Best Cashback Credit Cards of April 2025
Updated: 28 Apr 2025
Card | Hot Reward Pick | SingSaver Reward | Reward Elsewhere | Card Highlight | Monthly Spend Required | ||
|---|---|---|---|---|---|---|---|
 | HSBC Advance Credit Card | S$ 799 | S$ 589 | 1.5 - 2.5% | None | ||
 | Standard Chartered Simply Cash Credit Card | S$ 769 | S$ 519 | 1.5 - 2% uncapped cashback | S$ 800 | ||
 | Citi Cash Back Card | S$ 1,749 | S$ 589 | 0.2 - 8% cashback | S$ 800 per month | ||
 | HSBC Live+ Credit Card | S$ 799 | S$ 589 | 0.3 - 8% cashback | S$ 600 per month | ||
 | American Express True Cashback Card | S$ 319 | S$ 299 | 1.5 - 3% cashback | None | ||
 | Citi Cash Back+ Card | S$ 1,749 | S$ 589 | 1.60% cashback | None | ||
 | UOB Absolute Cashback Card | S$ 350 | N/A | Up to 1.7% limitless cashback | None | ||
 | POSB Everyday Card | S$ 549 | S$ 0 | 0.30 - 10% cashback | S$ 800 per month | ||
 | OCBC 365 Credit Card | S$ 199 | S$ 150 | 0.25 - 6% cashback | S$ 800 per month | ||
 | Maybank Family & Friends Card | N/A | N/A | N/A | 0.3 - 8% cashback | S$ 800 per month |
Best offers of 2025
Best for all-around cashback: HSBC Advance Credit Card
HSBC Advance Credit Card
| Annual Fee | S$ 196.2 |
|---|---|
| Cashback Local | 2.5% |
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Product details
Best for unlimited cashback: Standard Chartered Simply Cash Credit Card
Standard Chartered Simply Cash Credit Card
| Annual Fee | S$ 196.2 |
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| Cashback Local | 1.5% |
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Product details
Best for families & households : Groceries and petrol: Citi Cash Back Card
Citi Cash Back Card
| Annual Fee | S$ 196.2 |
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| Cashback Local | Up to 8% |
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Product details
Best for going out - dining and entertainment: HSBC Live+ Credit Card
HSBC Live+ Credit Card
| Annual Fee | S$ 196.2 |
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| Cashback Local | Up to 8% |
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Product details
Best for flat-rate cashback on all purchases: American Express True Cashback Card
Product details
Best for big ticket purchases: Citi Cash Back+ Card
Citi Cash Back+ Card
| Annual Fee | S$ 196.2 |
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| Cashback Local | Up to 3.25% |
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Product details
Best for simplicity + high earn rate: UOB Absolute Cashback Card
Product details
Best for staying in - Groceries, food delivery and online shopping: POSB Everyday Card
POSB Everyday Card
| Annual Fee | S$ 196.2 |
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| Cashback Local | Up to 10% |
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Product details
Simplicity + 0% Balance Transfer: OCBC 365 Credit Card
Product details
Best for popular 8-10% bonus categories: Maybank Family & Friends Card
Maybank Family & Friends Card
| Annual Fee | S$ 196.2 |
|---|---|
| Cashback Local | 8% |
Product details
Rewards breakdown
Up to 2.5% 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.
Card details
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Earn 1.5% cashback on all purchases with no minimum spend.
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Increase cashback to 2.5% on all local and overseas purchases when spending exceeds S$2,000.
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Gain complimentary access to the ENTERTAINER with HSBC app, featuring over 1,000 1-for-1 deals on dining, lifestyle, and travel worldwide.
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Cashback is capped at S$70 per calendar month.
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No monthly spend required for the base rate.
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Travel insurance included.
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First-year annual fee waiver.
SingSaver’s take
Designed for those with a discerning lifestyle, the HSBC Advance Credit Card offers a streamlined approach to maximising rewards. By enrolling in the HSBC Everyday+ Rewards Programme, cardholders can earn up to 3.5% cashback. Even without the program, a generous 2.5% cashback is awarded for monthly spending exceeding S$2,000, significantly above the standard 1.5% on all local and international transactions. Additionally, enjoy complimentary access to the ENTERTAINER app for a wealth of 1-for-1 deals, and a waived annual fee in the first year.
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Pros ✅ The HSBC Advance Credit Card offers a tiered cashback system, rewarding higher spending with a better rate, provides complimentary ENTERTAINER access, and offers a lower base cashback rate with no minimum spend. |
Cons ❌ Cashback is capped at S$70 per calendar month, and there's an annual fee after the first year. |
Rewards breakdown
3% cashback up to spending of S$5,000 for the first 6 months.
1.5% unlimited cashback on all subsequent purchases with no minimum spend.
Card details
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Enjoy unlimited and immediate cashback, with no minimum spend and no cap.
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Receive cashback credited in the same statement month.
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Complimentary travel insurance.
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First-year annual fee waiver.
SingSaver’s take
Perfect for substantial expenditures, the American Express True Cashback Card, operating as a charge card, provides a substantial 3% cashback on all qualifying purchases, capped at S$5,000 within the initial six months.
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Pros ✅ Offering a strong introductory cashback rate for the first six months, the American Express True Cashback Card provides an easy, uncapped cashback system, with credits applied to your statement each month. |
Cons ❌ The 3% cashback rate is limited to the first 6 months and up to S$5000 spend. There's also an annual fee after the first year. |
Rewards breakdown
1.6% cashback on eligible spend all year round.
Card details
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Enjoy uncapped cashback with no minimum spend.
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Redeem cashback instantly via SMS.
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Earn 0.4% bonus cashback if you are a Citi Plus customer with a Citi Interest Booster Account.
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Travel insurance included.
SingSaver’s take
For those who prefer straightforward rewards, the Citi Cash Back+ Card delivers an effortless, unlimited cashback experience. Enjoy a flat 1.6% cashback on every spend, with no minimum requirement and no earning cap, making it ideal for high-volume transactions.
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Pros ✅ The Citi Cash Back+ Card offers a straightforward, uncapped cashback structure and offers easy instant redemption. |
Cons ❌ The 1.6% cashback is not as competitive compared to some other cards, and there's an annual fee after the first year. |
Rewards breakdown
10% cashback on daily essentials.
4.33% cashback on Singapore Power utilities bill.
3.33% cashback on all retail spend.
Card details
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Petrol savings of up to 24% at Shell and SPC.
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Greater savings with up to 6.0% p.a. interest with UOB One Account+.
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Min. spend of S$500 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earn additional cashback.
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Awarding of cash rebates only comes every quarter.
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Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
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First-year annual fee waiver.
SingSaver’s take
Offering a potentially market-leading 10% cashback on everyday purchases, the UOB One Card presents a compelling opportunity for significant savings. Its tiered cashback structure rewards you generously for spending at popular outlets like Grab, DFI Retail Group, and McDonald's, alongside a solid 3.33% on other qualifying transactions.
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Pros ✅ The UOB One Card offers generous cashback rates on a wide range of daily spending categories and petrol savings at Shell and SPC, and the link to the UOB One Account+ also offers additional interest earnings. |
Cons ❌ To earn the highest cashback rate, you must meet a high minimum spend of S$2,000 per month and make a minimum of five purchases per month. However, there is a lower minimum spend of S$500 if you don’t want to earn the highest cashback. Additionally, cashback is credited quarterly. |
Rewards breakdown
8% cashback on private commute and petrol spend worldwide.
6% cashback on dining and groceries spend worldwide.
Card details
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Up to 23.64% fuel savings at Caltex, Esso, and Shell (inclusive of 8% cashback).
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Citi World Privileges: Deals and discounts locally.
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Citi PayLite: Turn big purchases into small payments.
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Citi FlexiBill: Convert credit card statement balance into instalments.
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Citi Quick Cash: Instant cash access.
SingSaver’s take
The Citi Cash Back Card is a strong contender for those seeking high cashback across a wide range of daily spending categories. Its generous rebates on petrol, private commutes, dining, and groceries, coupled with fuel savings and flexible payment options, make it a versatile choice. However, to maximise the cashback, a minimum monthly spend of S$800 is required.
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Pros ✅ This card excels with strong cashback on daily expenses, notable fuel savings, and flexible payment plans, offering significant value for everyday spending. |
Cons ❌ Achieving full benefits requires a substantial monthly spend, and overall cashback is limited, which might not suit high-volume spenders. |
Rewards breakdown
8% cashback on dining, shopping, and entertainment.
5% cashback on petrol.
0.3% cashback on all other eligible purchases.
Card details
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15% discount at over 200 restaurants across Asia (Live+ Dining Programme).
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Discounts on movie tickets at Golden Village.
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Savings on streaming subscriptions (Disney+, Netflix, Spotify).
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Up to 17% fuel savings and 5% cashback at Caltex and Shell.
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ENTERTAINER with HSBC 1-for-1 dining offers.
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Complimentary online purchase protection.
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Visa Signature privileges.
SingSaver’s take
The HSBC Live+ Credit Card is tailored for lifestyle-focused individuals, offering generous cashback on dining, shopping, and entertainment. Its strong focus on these categories, along with fuel savings and dining discounts, makes it attractive for those who enjoy experiences. The card's perks are well-suited for urban living.
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Pros ✅ Excellent cashback rates for dining, entertainment, and shopping, with added perks for fuel and lifestyle experiences. |
Cons ❌ While cashback is strong in specific categories, the general 0.3% rate on other purchases is relatively low. |
Rewards breakdown
10X Rewards points (2.5% cashback or 4 miles equivalent) on online spending.
1X Rewards point on all other spending.
Card details
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No minimum spend required for 10X points.
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Redeem rewards for gifts, lifestyle experiences, or statement credits.
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Option to split purchases into monthly instalments.
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Earn points on supplementary cards (up to 5, no fee).
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Rewards on fitness and wellness online purchases.
SingSaver’s take
The HSBC Revolution Credit Card is an excellent choice for those who frequently shop online and seek flexibility. Its no-annual-fee structure and generous rewards on online spending, coupled with the absence of a minimum spend requirement, make it accessible to a wide range of users. The ability to redeem points for various rewards and split purchases into instalments adds to its appeal.
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Pros ✅ No annual fee, high rewards on online spending, and no minimum spend requirement, making it ideal for budget-conscious online shoppers. |
Cons ❌ Rewards on non-online spending are relatively low, limiting its appeal for those who prefer physical retail or non-digital transactions. |
Rewards breakdown
10% cashback on online shopping, groceries, beauty & wellness, pet shops, and cruises.
0.2% unlimited cashback on all other retail purchases.
Card details
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Travel insurance coverage up to S$500,000.
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Visa Signature exclusive deals and discounts.
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No annual fee.
SingSaver’s take
The CIMB Visa Signature Card stands out for its generous 10% cashback across a diverse range of categories, making it ideal for those who frequently shop online and enjoy lifestyle spending. The card’s no-annual-fee structure and travel insurance coverage also add to its appeal. However, the requirement of a minimum monthly spend to unlock the higher cashback tier should be considered.
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Pros ✅ High cashback rates on online shopping and lifestyle categories, coupled with no annual fee and travel insurance. |
Cons ❌ Requires a minimum monthly spend of S$800 to enjoy the 10% cashback, and the 0.2% cashback on other purchases is relatively low. |
Rewards breakdown
5% savings at supermarkets & grocery stores.
5% savings on online purchases.
5% savings on taxi & public transport rides (including SimplyGo).
Card details
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Citi World Privileges: Deals and discounts.
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Citi PayLite: Turn big purchases into small payments.
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Citi FlexiBill: Convert credit card statement balance into instalments.
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Citi Quick Cash: Instant cash access.
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SimplyGo integration for seamless public transport payments.
SingSaver’s take
The Citi SMRT Card is tailored for commuters and everyday shoppers, offering consistent savings on essential categories like groceries, online purchases, and transport. Its integration with SimplyGo and flexible payment options make it a convenient choice for daily use, particularly for those who prioritise public transport and online shopping.
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Pros ✅ Consistent savings on daily essentials and commuting, with seamless integration with SimplyGo and flexible payment options. |
Cons ❌ Savings are limited to specific categories, and there's no mention of rewards outside of these categories. |
Rewards breakdown
Up to 18% cashback or 10 miles per S$1 at participating yuu merchants (Cold Storage, Giant, foodpanda, Gojek, etc.) with S$600 monthly spend.
5% cashback or 2.8 miles per S$1 with no minimum spend.
Card details
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S$2 off eggs and rice monthly at Cold Storage and Giant.
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Flexibility to redeem rewards as cash rebates or miles via the yuu app.
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Rewards are available in a wide range of everyday spending categories.
SingSaver’s take
The DBS yuu Card offers a unique proposition with its dual rewards system, allowing users to choose between cashback and miles. Its high reward rates at partner merchants, particularly for those who meet the monthly spend requirement, make it attractive for everyday spending. The flexibility to switch between cash rebates and miles adds a layer of customization.
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Pros ✅ High reward rates at partner merchants, flexibility to choose between cashback and miles, and rewards on a wide range of everyday spending categories. |
Cons ❌ Maximum rewards require a significant monthly spend, and the base reward rate is relatively low without hitting the spend threshold. |
Rewards breakdown
8% cashback on five chosen categories from a list including dining, groceries, online shopping, transport, and more.
Card details
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Customisable card design.
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Diamond Sky Fuel Card savings at Caltex.
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Dining and shopping deals.
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Regional TREATS privileges.
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GRAB ride-hail and food delivery deals.
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Maybank Family Plus savings account benefits.
SingSaver’s take
The Maybank Family & Friends Card offers a unique level of personalisation, allowing users to select their preferred cashback categories. Its high cashback rate and wide range of eligible categories make it a versatile choice for various lifestyles. The added perks, such as fuel savings and regional privileges, enhance its value.
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Pros ✅ High cashback rate with customisable categories, fuel savings, and regional privileges, catering to diverse spending habits. |
Cons ❌ Requires a minimum monthly spend of S$800 to qualify for highest cashback rates. |
Rewards breakdown
1.7% cashback on all purchases with no exclusions.
0.3% cashback on transactions typically excluded by other cards.
Card details
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No minimum spend required.
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Cashback on a wide range of purchases, including travel, luxury, insurance, and utilities.
SingSaver’s take
The UOB Absolute Cashback Card stands out for its simplicity and universality, offering a flat cashback rate on all purchases without any exclusions or minimum spend requirements. This makes it a straightforward choice for those seeking hassle-free cashback on everything from daily essentials to big-ticket items.
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Pros ✅ High flat cashback rate on all purchases, no minimum spend, and no exclusions, offering unparalleled simplicity and versatility. |
Cons ❌ The 0.3% cashback rate on typically excluded transactions is relatively low compared to the standard 1.7%. |
Rewards breakdown
10% cashback on online food delivery, 5% on online shopping (with S$800 min. spend).
5% cashback at Sheng Siong (no min. spend).
Up to 3% cashback on utilities (no min. spend).
6% cashback at SPC, 3% at Pet Lovers Centre.
Card details
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Family attraction discounts at Mandai Wildlife Reserve and Kiztopia.
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Daily$ rewards system (1 Daily$ = S$1 cashback).
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Cashback on dining, online shopping, telco, groceries, utilities, fuel, and pet supplies.
SingSaver’s take
The POSB Everyday Card is designed for families and everyday spenders, offering a wide range of cashback categories, including groceries, dining, online shopping, and utilities. Its Daily$ rewards system and family-friendly perks make it a versatile choice for managing household expenses.
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Pros ✅ Wide range of cashback categories, rewards on essential spending, and family-oriented perks. |
Cons ❌ Higher cashback rates require a minimum monthly spend of S$800, and cashback caps can limit rewards for high spenders in specific categories. |
Rewards breakdown
6% cashback on petrol.
5% cashback on dining and food delivery.
3% cashback on groceries, land transport, Watsons, streaming, EV charging, and utilities.
Card details
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Cashback capped at S$160 per month.
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0.25% cashback if monthly spend is below S$800.
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Fuel discounts at Caltex, Esso, and Sinopec.
SingSaver’s take
The OCBC 365 Credit Card is designed for everyday spending, offering strong cashback rates on essential categories like petrol, dining, and groceries. Its high cashback cap and wide range of eligible categories make it a valuable card for managing daily expenses. However, the minimum spend requirement for enhanced cashback should be considered.
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Pros ✅ High cashback rates on essential categories, generous cashback cap, and fuel discounts. |
Cons ❌ Requires a minimum monthly spend of S$800 to qualify for the enhanced cashback rates. |
How SingSaver rates cashback credit cards
At SingSaver, we use a comprehensive rating system to evaluate cashback credit cards and help you make informed decisions. Our ratings are based on a variety of factors. By considering these factors, we provide a comprehensive view of each card's overall benefits and help you choose the best cashback credit card for your needs.
What the ratings mean
Ratings indicate value, not perfection. A 5-star card offers broad appeal, while lower ratings suggest niche suitability. Your ideal card depends on your unique spending habits, not just star rankings.
Rewards structure
We evaluate the rewards structure of each card, considering whether it offers flat cashback rates, tiered rates, or bonus categories.
Bonus categories
We also assess, if applicable, the bonus categories offered by each card, looking for cards that provide enhanced rewards in popular spending categories like dining, groceries, or online shopping.
Fees, perks, and more
We take into account the annual fees, foreign transaction fees, interest rates, and other perks associated with each card.
Ask Reddit: What’s the best cashback credit card in Singapore?
Reddit is a treasure trove of opinions, and when it comes to cashback credit cards in Singapore, the discussions are lively and diverse. A common thread across these discussions is that the "best" card truly depends on your individual spending habits and financial goals.
Singaporean Redditors often highlight cards that excel in specific categories:
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For everyday expenses: The Citi Cash Back Card is frequently praised for its flat-rate cashback and simplicity.
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For dining and entertainment: The UOB One Card often takes the spotlight with its high cashback rates for dining and entertainment expenses.
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For groceries and petrol: Cards like the POSB Everyday Card and OCBC 365 Card are popular choices for their bonus cashback in these essential categories.
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For online shopping: The DBS Live Fresh Card is a favourite for its enhanced cashback on online purchases and contactless payments.
The key takeaway from these Reddit discussions is that there's no single "best" card for everyone. It's crucial to analyse your spending patterns and identify the categories where you spend the most. Then, choose a card that offers the highest cashback rates or rewards in those specific categories. Don't be afraid to combine multiple cards to maximise your cashback across different spending areas. After all, the goal is to make your money work smarter for you, and a strategic approach to cashback credit cards can help you achieve just that.
Most popular cashback credit cards in Singapore
At SingSaver, we've evaluated hundreds of credit cards. These cashback credit card review pages are our most visited as of March 2025:
Frequently asked questions
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Does cashback expire?
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Why do credit cards give cashback?
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.