Best Credit Cards in Singapore 2026
Updated: 1 Jan 2026
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.
Card | Hot Reward Pick | SingSaver Reward | Card benefit | Min. Annual Income | Monthly Spend Required | Annual Fee | ||
|---|---|---|---|---|---|---|---|---|
 | Citi PremierMiles Card | S$1,798 | 1.2 - 10 | S$30,000 | None | S$196.20 | ||
 | HSBC Live+ Credit Card | S$849 | 0.3 - 8 % | S$65,000 | S$600 - S$1000 | S$196.20 | ||
 | Standard Chartered Simply Cash Credit Card | S$699 | 1.5 % | S$30,000 | None | S$196.20 | ||
 | OCBC 365 Credit Card | S$799 | 0.25 - 6 % | S$30,000 | S$800 | S$196.20 | ||
 | HSBC Revolution Credit Card | S$849 | 0.4 - 4 | S$65,000 | S$0 | No Annual Fee | ||
 | Citi Rewards Card | S$1,798 | 1 - 10 | S$30,000 | None | S$196.20 | ||
 | HSBC TravelOne Credit Card | S$849 | 1.2 - 2.4 | S$65,000 | S$0 | S$196.20 | ||
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | S$699 | 1.2 - 3 | S$30,000 | S$0 | S$196.20 | ||
 | OCBC INFINITY Cashback Credit Card | S$799 | 1.6 % | S$30,000 | None | S$196.20 | ||
 | Citi Prestige Card | - | - | 3.25 - 5 | S$120,000 | S$0 | S$651.82 |
Best credit card offers of 2026
Best for unlimited miles with broad airline transfer options: Citi PremierMiles Card
Airmiles Local
1.2 miles / dollarAirmiles Overseas
2.2 miles / dollarAirmiles Travel
Up to 10 miles / dollarFree Lounge Access
2 visits per year*Apply through SingSaver and choose from 12 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 participating 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.
- No expiry air miles
- Airport lounge
- Travel rebate
- Gift: Apple product
- 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
Best for families who love dining, shopping, and leisure: HSBC Live+ Credit Card
Cashback (Bonus)
5 - 8%Cashback (Petrol)
Up to 8 %Monthly Spend Required
S$600 - S$1000Apply through SingSaver and choose from 12 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
Best for no-fuss unlimited cashback on all spend: Standard Chartered Simply Cash Credit Card
Base Cashback
1.5 %Cashback Cap
-Monthly Spend Required
NoneApply through SingSaver and choose from 8 premium rewards
- 1.5% unlimited cashback rate with no min. spend.
- Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
- SC Shop and Earn - Enjoy up to 23% Cashback when you shop at your favourite brands – Decathlon, Nike, Zalora 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.
- First year annual fee waiver.
- 1.5% unlimited cashback
- No rebate cap
- No monthly spend required
- 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$30,000
Minimum Age: 21 years old
Best for cashback on dining, groceries, and recurring bills: OCBC 365 Credit Card
Cashback Petrol
6 %Cashback Dining
5 %Monthly Spend Required
S$ S$
800Apply through SingSaver and choose from 11 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
Best for rewards on online shopping and dining: HSBC Revolution Credit Card
HSBC Revolution Credit Card
rating
3.4/ 5
Rewards Points (Online Shopping)
10 points / dollarRewards Points (Baseline)
1 point / dollarAirmiles (Online Shopping)
4 miles / dollarApply through SingSaver and choose from 12 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
Best for rewards on entertainment and shopping: Citi Rewards Card
Citi Rewards Card
rating
4.4/ 5
Reward Points (Online Shopping)
Up to 10 points / dollarReward Points (Baseline)
1 point / dollarApply through SingSaver and choose from 12 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 air miles
- Travel insurance
- Annual Fee waiver
- High-value gift
- Bonus rewards points capped at 9,000 points per statement month.
- Can no longer convert Citi ThankYou Points into miles (as of February 2026).
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
Best for earning miles on travel and overseas spend: HSBC TravelOne Credit Card
Airmiles (Local)
1.2 miles / dollarAirmiles (Overseas)
2.4 miles / dollarFree Lounge Access
4 visits per year*Apply through SingSaver and choose from 12 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.
- Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
- Accelerated earn rate: up to 2.4 miles for your spending.
- No conversion fee for air miles or hotel points until 31 January 2025.
- Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
- Unlimited air miles
- Airport lounge
- Travel insurance
- Bonus air miles
- 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: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: None
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$65,000
Minimum Age: 21 years old
Best for earning miles on both local and overseas spend: Standard Chartered Journey Credit card
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 8 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
Best for unlimited cashback on all spend with no restrictions: OCBC INFINITY Cashback Credit Card
Cashback
1.6 %Monthly Spend Required
NoneApply through SingSaver and choose from 11 premium rewards
- 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.
- No rebate cap
- No monthly spend required
- Annual fee waiver
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
Best for luxury travel - lounge access, limousine rides & free hotel flights: Citi Prestige Card
- 5 ThankYou Points per dollar on overseas spend.
- 3.25 ThankYou Points per dollar on local spend.
- Points earned do not expire and have no cap.
- Twelve (12) complimentary lounge visits per calendar year to over 1,700 airport lounges and experiences in cities around the world through Priority Pass membership.
- Complimentary night stays when you book a minimum consecutive four-night stay at any hotel or resort.
- Up to 30% more ThankYou Points for your relationship with Citibank.
- Six complimentary golf games locally and overseas.
- Read our full review of the Citi Prestige Card.
- Airport lounge
- Dining Benefits
- Complimentary Hotel Night Stay
- Complimentary Limo Rides
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$651.82 (incl. GST).
- Can no longer convert Citi ThankYou Points into miles (as of February 2026).
Repayment Details
Minimum Payment: 1 %
Late Payment Charge: S$100
Interest on Purchase: Up to27.9 %
Interest on Cash Advance: Up to27.9 %
Interest Free Period: 25 days
Fees
Annual Fee: S$651.82
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: 8 %
Eligibility
Monthly Spend Required: S$0
Min. Annual Income: S$120,000
Minimum Age: 21 years old