Best Visa Credit Cards in Singapore June 2025
Updated: 19 Jun 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.
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Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Reward Elsewhere | Earn Rate & Perks | Monthly Spend Required | |||
|---|---|---|---|---|---|---|---|---|
 | HSBC Revolution Credit Card | S$999 | S$589 | 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$369 | S$150 | 6% on fuel | S$800 | |||
 | HSBC Live+ Credit Card | S$999 | S$589 | 8% cashback + dining | S$600 - S$1000 | |||
 | Standard Chartered Smart Credit Card | S$659 | S$499 | 10% unlimited cashback | S$0 | |||
 | OCBC 90°N Visa Card | S$369 | S$150 | 1.3 - 7 miles / dollar | S$0 | |||
 | Standard Chartered Visa Infinite Credit Card | S$700 | S$429 | 3 mpd (overseas); 1.4 mpd (local) | S$2,000 | |||
 | HSBC Advance Credit Card | S$999 | S$589 | 1.5-2.5% Cashback | S$2,000 | |||
 | Standard Chartered Rewards+ Credit Card | S$659 | S$499 | 1 - 10 points / dollar | None | |||
 | Citi SMRT Card | S$999 | S$589 | 0.3 - 5 % cashback | S$500 | |||
 | Citi M1 Platinum Visa Card | S$999 | S$589 | 0.3 - 10 % cashback | None | |||
 | UOB One Card | - | S$350 | S$50 | 3.33% cashback | Tiered S$600 + |
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Apply for select HSBC Credit cards via SingSaver and get a Dyson WashG1™ and other rewards worth up to S$769!
Apply by Jun 30, 2025 to claim your reward
Participating Products:
HSBC Live+ Credit Card
:
For Cashback Chasers
HSBC Revolution Credit Card
:
For Online Shoppers
HSBC Advance Credit Card
:
For All-Around Cashback
HSBC TravelOne Credit Card
:
For Jetsetters
How to Qualify?
- Apply for eligible HSBC Credit Cards through SingSaver by 30 June 2025
- Submit the SingSaver Reward Redemption form
- Activate your card and spend a minimum of
S$800S$500 by the end of the following month from card approval date to be eligible for reward - Apply now and be eligible for the VISA Concert Presale happening 11 June!
- Promotion is valid for new HSBC credit cardmembers only
- Promotion does not stack with other welcome offers from HSBC
- Terms and Conditions apply
Apply by Jun 30, 2025 to claim your reward
Points (Shopping)
10 points / dollarPoints (Baseline)
1 point / dollarAirmiles (Shopping)
4 miles / dollarBonus Cap
13500 bonus pointsApply through SingSaver and choose from 6 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. Valid till 31 Oct 2025.
- 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.
- 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 (valid till 31 Oct 2025). Original cap at 9,000 reward points.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months.
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$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore
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:
You’ll also receive the following welcome gift(s) directly from the bank:
- 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$30,000
Minimum Age: 21 years old
Cashback (Petrol)
6 %Cashback (Dining)
5 %Cashback (Baseline)
0.25 %Monthly Spend Required
S$ 800Apply through SingSaver and choose from 4 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
5 - 8%Cashback (Baseline)
0.3 %Monthly Spend Required
S$600 - S$1000Bonus Cap
S$ 250 / quarterApply through SingSaver and choose from 6 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.
- 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.
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$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore
Minimum Age: 21 years old
Standard Chartered Smart Credit Card
rating
3.7/ 5
Cashback (Dining)
Up to 10 %Cashback (Baseline)
0.5 %Cashback Cap
No capApply through SingSaver and choose from 4 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- 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$30,000
Minimum Age: 21 years old
Airmiles (Overseas)
2.1 miles / dollarAirmiles (Local)
1.3 miles / dollarAirmiles (Hotel Booking)
Up to 7 miles / dollarMonthly Spend Required
S$ 0Apply through SingSaver and choose from 4 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$0
Airmiles (Oversaes)
3 miles / dollarAirmiles (Local)
1.4 miles / dollarMonthly Spend Required
S$ 2000Minimum Annual Income
S$ 150000Apply through SingSaver and choose from 4 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- 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.
- 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.
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$150,000
Minimum Age: 21 years old
HSBC Advance Credit Card
rating
3.9/ 5
Cashback (Bonus)
2.5 %Cashback (Baseline)
1.5 %Monthly Spend Required
S$ 2000Cashback Cap
S$ 70 / monthApply through SingSaver and choose from 6 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.
- Cashback is capped at S$70 per calendar month.
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$30,000 for Singapore citizen or Permanent residents; S$40,000 for self-employed or commission-based Singapore Citizen or Permanent Resident; S$60,000 for foreigner residing in Singapore
Minimum Age: 21 years old
Standard Chartered Rewards+ Credit Card
rating
5/ 5
Rewards Points (Overseas)
10 points / dollarRewards Points (Dining)
5 points / dollarRewards Points (Baseline)
1 point / dollarRewards Points Cap
20000 360° Reward PointsApply through SingSaver and choose from 4 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- 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$30,000
Minimum Age: 21 years old
Citi SMRT Card
rating
3.7/ 5
Cashback (Ride Sharing)
5 %Cashback (Transport)
5 %Cashback (Baseline)
0.3 %Monthly Spend Required
S$ 500Apply through SingSaver and choose from 10 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
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 10 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$30,000
Minimum Age: 21 years old
UOB One Card
rating
4.1/ 5
Cashback (Fast Food)
Up to 10 %Cashback (Supermarket)
Up to 8 %Monthly Spend Required
Tiered S$ 600 +Cashback Bonus Cap
S$ 200 / quarterYou’ll also receive the following welcome gift(s) directly from the bank:
- 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+.
- 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.
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.