Unlock Grab Rewards Your Way
Updated: 24 Sept 2025
Apply for select credit cards through SingSaver and score up to $500 Grab vouchers as your exclusive sign-up gift! Redeem rides, food deliveries, or even shopping vouchers, anything that you want! Limited-time offer, only when you sign up here.
Card | Hot Reward Pick | SingSaver Reward | Reward Elsewhere | Earn Rate & Perks | Monthly Spend Required | |||
|---|---|---|---|---|---|---|---|---|
 | Citi PremierMiles Card | S$999 | S$589 | 2.2 mpd (FCY), 1.2 mpd (Local) | None | |||
 | OCBC INFINITY Cashback Credit Card | S$1,100 | S$150 | 1.6% cashback | None | |||
 | Citi Rewards Card | S$999 | S$589 | 4 mpd (10X points) | None | |||
 | OCBC 365 Credit Card | S$1,000 | S$150 | 6% on fuel | S$800 | |||
 | Citi Cash Back+ Card | S$999 | S$589 | 1.6% cashback | None | |||
 | OCBC Rewards Credit Card | S$1,000 | S$150 | 4 mpd / 2.78% cashback on eligible spend | - | |||
 | Standard Chartered Simply Cash Credit Card | S$999 | S$350 | 2% unlimited cashback | None | |||
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | S$600 | S$180 | 3 mpd on select categories | S$0 | |||
 | OCBC 90°N Visa Card | S$1,000 | S$150 | 1.3 - 7 miles / dollar | S$0 | |||
 | Citi SMRT Card | S$999 | S$589 | 0.3 - 5 % cashback | S$500 | |||
 | Citi Cash Back Card | S$999 | S$589 | - | S$800 | |||
 | Citi M1 Platinum Visa Card | S$999 | S$589 | 0.3 - 10 % cashback | None | |||
 | Standard Chartered Smart Credit Card | S$269 | S$499 | 10% unlimited cashback | S$0 | |||
 | Standard Chartered Rewards+ Credit Card | S$269 | S$499 | 1 - 10 points / dollar | None |
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.2 miles / dollarAirmiles (Travel)
Up to 10 miles / dollarAirport Lounge Access
2 visits per year*Apply through SingSaver and choose from 11 premium rewards:
- 1.2 miles per S$1 spent locally.
- 2.2 miles per S$1 spent in foreign currency.
- Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
- Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
- 2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
1.6 %Cashback Bonus Cap
No capMonthly Spend Required
NoneAnnual Fee Waiver
1 yearApply through SingSaver and choose from 12 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- 1.6% unlimited cashback on all eligible spending with no min. spend and no cap
- Cashback automatically credited to cardholder's OCBC INFINITY Account
- 1 year annual fee waiver
- Read our review of the OCBC INFINITY Cashback Card.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Citi Rewards Card
rating
4.4/ 5
Rewards Points (Shopping)
Up to 10 points / dollarRewards Points (Baseline)
1 point / dollarAirmiles (Shopping)
Up to 4 miles / dollarRewards Points Cap
9,000 ThankYou Points / monthApply through SingSaver and choose from 11 premium rewards:
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Pair with amaze card to turn offline transactions into online transactions.
- No cap on base rewards points.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus rewards points capped at 9,000 points per statement month
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Petrol)
6 %Cashback (Dining)
5 %Cashback (Baseline)
0.25 %Monthly Spend Required
S$ 800Apply through SingSaver and choose from 12 premium rewards:
- 6% cashback on fuel spend at all other petrol stations.
- 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
- 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
- 3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
- 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
- 3% cashback on recurring telco and electricity bills.
- S$160 monthly cashback cap (up from S$80).
- Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Interest on Purchase: 27.78 %
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
Up to 3.25 %Cashback Cap
No capMonthly Spend Required
NoneAnnual Fee
S$ 196.20Apply through SingSaver and choose from 11 premium rewards:
- 1.6% cashback on all eligible spending with no minimum spend and no cap.
- Cashback earned does not expire.
- Redeem cashback instantly via SMS. Terms and Conditions here.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to 17% discount at Caltex, Esso and Shell petrol stations.
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Rewards Points (Online Shopping)
15 OCBC$ / dollarRewards Points (Contactless Spend)
10 OCBC$ / dollarRewards Points (Baseline)
1 OCBC$ / dollarRewards Points Cap
10,000 OCBC$Apply through SingSaver and choose from 12 premium rewards:
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback
2 %Cashback (Baseline)
1.5 %Monthly Spend Required
NoneAnnual Fee Waiver
1 yearApply through SingSaver and choose from 6 premium rewards:
- Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.
- 1.5% unlimited cashback rate with no min. spend.
- Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
- First year annual fee waiver.
- Cannot be used for EZ-Reload.
Repayment Details
Minimum Payment: S$50
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 days
Late Payment Charge: S$100
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Transport)
3 miles / dollarAirmiles (Local)
1.2 miles / dollarFree Lounge Access
2 visits per year*Annual Fee
S$ 196.20Apply through SingSaver and choose from 4 premium rewards:
- Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
- Earn 2 miles for every S$1 on foreign currency transactions.
- Earn 1.2 miles for every S$1 spent locally.
- 2 complimentary visits to Priority Pass lounges around the world each year.
- Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
- Rewards points do not expire.
- Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 22 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Overseas)
2.1 miles / dollarAirmiles (Local)
1.3 miles / dollarAirmiles (Hotel Booking)
Up to 7 miles / dollarCashback (Overseas)
2.1 %Apply through SingSaver and choose from 12 premium rewards:
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90°N Credit Card.
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Monthly Spend Required: S$0
Citi SMRT Card
rating
3.7/ 5
Cashback (Ride Sharing)
5 %Cashback (Transport)
5 %Cashback (Baseline)
0.3 %Monthly Spend Required
S$ 500Apply through SingSaver and choose from 11 premium rewards:
- 5% savings on online purchases.
- 5% savings at all supermarkets & grocery stores.
- 5% savings on taxi & public transport rides.
- Minimum monthly spend of S$500 required to get higher cashback rates.
Repayment Details
Minimum Payment: 2 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: 8 %
Eligibility
Monthly Spend Required: S$500
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Citi Cash Back Card
rating
3/ 5
Cashback (Petrol)
Up to 8 %Cashback (Dining)
6 %Cashback Cap
S$ 80 / monthMonthly Spend Required
S$ 800Apply through SingSaver and choose from 11 premium rewards:
- 6% cashback on dining and grocery spending (local & overseas).
- 8% cashback on petrol and private commute (local & overseas).
- Up to 23.64% savings at Caltex, Esso and Shell, inclusive of 8% cashback for petrol spending.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back Card will be updated to end on 31 March 2026. For more information, please click here.
- 0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Retail)
4.7 %Cashback (Department Stores)
Up to 2.7 %Cashback (Baseline)
0.3 %Apply through SingSaver and choose from 11 premium rewards:
- Earn up to 4.7% Citi M1 rebate on eligible Entertainment spend and 2.7% Citi M1 rebate on M1 Telco Bill spending.
- Enjoy up to 2.7% Citi M1 Rebate on purchases at M1 stores.
- Citi M1 rebate does not expire.
- 0.3% cash rebate on eligible retail purchases.
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Local)
Up to 10 %Cashback (Dining)
Up to 10 %Cashback (Overseas)
Up to 10 %Apply through SingSaver and choose from 3 premium rewards:
- Earn up to 10% cashback for spends above S$1,500 on selected merchants.
- Earn up to 8% cashback for spends above S$800 on selected merchants.
- Enjoy 0.5% cashback for all base spends with no monthly cashback cap.
- Enjoy peace of mind when your flight is delayed with Visa SmartDelay™, which offers complimentary access to over 1,700 airport lounges and travel experiences.
- Interest-free instalments with SC Easy Pay.
- No cash advance fee.
- No annual fee.
- No cashback cap.
- Cashback awarded in the form of 360° Rewards Points.
- Points expire after 3 years.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 23.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 3 Months
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback (Overseas)
2.48 %Cashback (Dining)
1.24 %Airmiles (Travel)
6 miles / dollarAirmiles (Overseas)
2.9 miles / dollarApply through SingSaver and choose from 3 premium rewards:
- Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
- Up to 5X reward points for every S$1 spent on dining transactions.
- 1 reward point for every S$1 spent on all eligible spend.
- No min. spend required, 1 year annual fee waiver.
- Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
- Read our full review of the Standard Chartered Rewards+ Credit Card.
- Additional reward points are capped at 20,000 points per year.
- Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Frequently asked questions about best credit cards
-
Rewards cards: These offer cashback, miles, or points for your spending, making them suitable for those who spend regularly and pay their balances in full.
-
Interest-saving cards: These come with low interest rates or balance transfer options, ideal for those who carry a balance or need to manage debt. Some also offer zero percent introductory periods for balance transfers or purchases.
-
Credit-building cards: These are designed for individuals with limited or no credit history, helping them establish a credit score.
There's no one-size-fits-all answer regarding the "best" credit card in Singapore. The ideal choice depends on your individual spending habits, financial goals, and credit profile.
Consider your needs and compare features to find the best fit.
Generally, secured credit cards are easier to obtain in Singapore, especially for those with limited or no credit history. These cards require a security deposit that serves as collateral, reducing the risk for the issuer. Some banks also offer credit cards specifically designed for students or individuals with no credit history.
Choosing the "best" credit card company is subjective and depends on individual preferences and experiences. Different companies excel in different areas, such as customer service, rewards programmes, or fees. For example, American Express is often recognised for its strong customer service and premium travel rewards. Research and compare various companies to find one that aligns with your needs and priorities. You can also read online reviews and compare credit card offers to gain insights into different companies' strengths and weaknesses.