Best Visa Credit Cards in Singapore 2026
Updated: 31 Dec 2025
Choosing the right credit card is a crucial financial decision. With so many options available, finding the perfect card that aligns with your spending habits and financial goals can be overwhelming. SingSaver simplifies this process by providing comprehensive comparison tools and in-depth reviews of the best credit cards in Singapore. Our team of experts meticulously evaluates various credit card offers, considering factors like rewards programmes, interest rates, fees, and perks, to help you make informed decisions and find the best credit card deals Singapore has to offer.
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Reward Elsewhere | Earn Rate & Perks | Monthly Spend Required | ||
|---|---|---|---|---|---|---|---|
 | HSBC Revolution Credit Card | S$799 | - | 4 mpd / 2.5% cashback | S$0 | ||
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | S$600 | S$180 | 3 mpd on select categories | S$0 | ||
 | OCBC 365 Credit Card | S$799 | S$150 | 6% on fuel | S$800 | ||
 | HSBC Live+ Credit Card | S$799 | - | 8% cashback + dining | S$600 - S$1000 | ||
 | Standard Chartered Smart Credit Card | - | - | S$499 | 10% unlimited cashback | S$0 | |
 | OCBC 90°N Visa Card | S$799 | S$150 | 1.3 - 7 miles / dollar | S$0 | ||
 | Standard Chartered Visa Infinite Credit Card | - | - | S$429 | 3 mpd (overseas); 1.4 mpd (local) | S$2,000 | |
 | HSBC Advance Credit Card | 22,000 Max Miles by HeyMax (worth S$396) | S$799 | - | 1.5-2.5% Cashback | S$2,000 | |
 | Standard Chartered Rewards+ Credit Card | - | - | S$499 | 1 - 10 points / dollar | None | |
 | Citi SMRT Card | S$799 | - | 0.3 - 5 % cashback | S$500 | ||
 | Citi M1 Platinum Visa Card | S$799 | - | 0.3 - 10 % cashback | None | ||
 | UOB One Card | S$799 | S$50 | 3.33% cashback | Tiered S$600 + |
Don’t miss out on these great deals:
💰 Highest Reward Ever! 💰
Apply for select OCBC Credit cards via SingSaver and get sign-up rewards including S$400 Cash and other rewards worth up to S$799!
Apply by May 03, 2026 to claim your reward
Participating Products:
OCBC 365 Credit Card
:
For Cashback Chasers
OCBC 90°N Mastercard
:
For Miles Lovers
OCBC 90°N Visa Card
:
For Miles Lovers
OCBC Rewards Credit Card
:
For Reward Chasers
OCBC INFINITY Cashback Credit Card
:
For Luxury Perks
How to Qualify?
- Apply for OCBC credit cards through SingSaver by 3 May 2026
- Submit the SingSaver Reward Redemption form
- Activate your card and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward
- Promotion is valid for new OCBC credit cardmembers only
- Promotion does not stack with other welcome offers from OCBC unless otherwise specified
- Terms and Conditions apply.
Apply by May 03, 2026 to claim your reward
Points (Shopping)
10 points / dollarPoints (Baseline)
1 point / dollarAirmiles (Shopping)
4 miles / dollarBonus Cap
13,500 bonus pointsApply through SingSaver and choose from 10 premium rewards
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 10X Points (equivalent to 4 mpd) on online and contactless spending, capped at 13,500 bonus points per month. Keep earning beyond 31 March 2026.
- 20X Points (equivalent to 8 mpd) on online and contactless spending for cardholders who maintain at least S$50,000 average daily balance in their HSBC EGA (SGD Account)
- 1X reward point for all other spending.
- No minimum spend required.
- No annual fee.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
- Up to 16% and 14% off petrol at Caltex and Shell respectively.
- Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details.
- Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
- Compatible with Apple Pay, Google Pay, and Visa PayWave.
- Can convert between cashback, miles, or reward points flexibly.
- Great for individuals who prefer flexibility to redeem Reward points to categories such as miles, cashback & more
- Read our review of the HSBC Revolution Credit Card.
- Online shopping rebate
- Travel rebate
- No Annual Fee
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 13,500 bonus reward points per calendar month on eligible purchases. Original cap at 9,000 reward points.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 Days
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$65,000
Minimum Age: 21 years old
Airmiles (Transport)
3 miles / dollarAirmiles (Local)
1.2 miles / dollarAirmiles (overseas)
2 miles / dollarFree lounge Access
2 visits per year*Apply 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.
- SC Shop and Earn - Book your holidays and earn up to 28.75% Cashback at over 40 travel partners like Agoda, Klook, Trip.com. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Bonus air miles
- No expiry air miles
- Airport lounge
- Travel insurance
- 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$30,000
Minimum Age: 21 years old
Cashback (Petrol)
6 %Cashback (Dining)
5 %Cashback (Baseline)
0.25 %Monthly Spend Required
S$ S$
800Apply through SingSaver and choose from 10 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 .
- Petrol rebate
- Dining rebate
- 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.
- Monthly spend required
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
5 - 8%Cashback (Baseline)
0.3 %Monthly Spend Required
S$600 - S$1000Bonus Cap
S$ S$
250 / quarterApply through SingSaver and choose from 10 premium rewards
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 8% cashback* on dining, entertainment, and shopping spend (both local and overseas).
- 5% cashback* on fuel spending at Caltex and Shell stations in Singapore.
- 0.3% cashback* on all other qualifying spend.
- First year annual fee waived.
- Dining rebate
- Entertainment rebate
- Petrol rebate
- Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.
- Cashback* capped at S$250 per calendar quarter.
- Cash rebates* are credited quarterly instead of monthly.
- *Min. spend and other terms & conditions apply. Valid till 31 Dec 2024.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$600 - S$1000
Min. Annual Income: S$65,000
Minimum Age: 21 years old
Cashback (Dining)
Up to 10 %Cashback (Baseline)
0.5 %Cashback Cap
No cap- 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.
- Flexible redemption options for miles, cashback or shopping vouchers
- Streaming, dining and commuting
- Interest-free Installments with SC Easy Pay
- No Annual Fee
- 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$30,000
Minimum Age: 21 years old
Airmiles (Overseas)
2.1 miles / dollarAirmiles (Local)
1.3 miles / dollarAirmiles (Hotel Booking)
Up to 7 miles / dollarMonthly Spend Required
S$ S$
0Apply through SingSaver and choose from 11 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.
- Unlimited air miles
- No expiry air miles
- Bonus air miles
- 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$0
Airmiles (Oversaes)
3 miles / dollarAirmiles (Local)
1.4 miles / dollarMonthly Spend Required
S$ S$
2,000Minimum Annual Income
S$ S$
150,000- Earn up to 3 miles per dollar in every statement cycle where a min. eligible spend of S$2,000 is made.
- Complimentary Priority Pass membership with 6 lounge visits a year.
- Receive complimentary travel insurance coverage of up to S$1 million when you charge your full travel fare to this card.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Earn rewards points on education, rental, insurance, and tax payments via SC EasyBill.
- Local spend: 3.5 rewards points (1.4 miles per S$1)
- Miles do not expire.
- Airport lounge
- Travel insurance
- Bonus air miles
- Base earn rate of 1 mile per S$1.
- A S$26.75 transfer fee is levied for every mileage transfer rewards code redeemed.
- Annual fee is strictly non-waivable.
- Monthly spend required
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest Free Period: 22 days
Interest on Cash Advance: 29.9 %
Fees
Annual Fee: S$599.50
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$150,000
Minimum Age: 21 years old
HSBC Advance Credit Card
rating
3.9/ 5
Cashback (Bonus)
2.5 %Cashback (Baseline)
1.5 %Monthly Spend Required
S$ S$
2,000Cashback Cap
S$ S$
70 / monthApply through SingSaver and choose from 10 premium rewards
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Read our full review of the HSBC Advance Credit Card.
- No monthly spend required
- Travel insurance
- Annual Fee waiver
- Cashback is capped at S$70 per calendar month.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$40
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$65,000
Minimum Age: 21 years old
Rewards Points (Overseas)
10 points / dollarRewards Points (Dining)
5 points / dollarRewards Points (Baseline)
1 point / dollarRewards Points Cap
20,000 360° Reward Points- 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.
- SC Shop and Earn - Upgrade your home and earn up to 8.05% Cashback. Shop top home and electronics brands like Dyson, Heavenluxe, Samsung, Xiaomi and many more. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- 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.
- Overseas rebate
- No monthly spend required
- Travel insurance
- 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.
- Rebate cap applied
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$30,000
Minimum Age: 21 years old
Citi SMRT Card
rating
3.7/ 5
Cashback (Ride Sharing)
5 %Cashback (Transport)
5 %Cashback (Baseline)
0.3 %Monthly Spend Required
S$ 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.
- Public transportation
- Grab/taxi rebate
- Online shopping rebate
- Minimum monthly spend of S$500 required to get higher cashback rates.
- Monthly spend required
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
Cashback (Retail)
4.7 %Cashback (M1 Telco Bills)
2.7 %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.
- Retail rebate
- No expiry air miles
- 0.3% cash rebate on eligible retail purchases.
- Monthly spend required
- Rebate cap applied
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$30,000
Minimum Age: 21 years old
Cashback (Fast Food)
Up to 10 %Cashback (Supermarket)
Up to 8 %Monthly Spend Required
Tiered S$ 600 +Cashback Bonus Cap
S$ S$
200 / quarterApply through SingSaver and choose from 3 premium rewards
- Up to 10% cashback on daily spend at McDonald's, Grab, SimplyGo (bus/train rides) and Shopee.
- Up to 8% cashback on all grocery spend.
- Up to 4.33% on SP utilities bill.
- Up to 3.33% cashback on all retail spend.
- Petrol savings of up to 22.66% at Shell and SPC.
- Greater savings with up to 5.3% p.a. interest with UOB One Account+.
- Supermarket rebate
- Grab/taxi rebate
- Spend at least $600 monthly based on your qualifying quarter to enjoy up to 10% cashback.
- Awarding of cash rebate only comes every quarter.
- Qualifying monthly spend for cash rebate has to be spread out across min. 10 different purchases.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Monthly spend required
- Rebate cap applied
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: Tiered S$600 +
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.