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Credit Card FAQs

Rewards are an incentive programme utilised by credit card providers where you earn points for every dollar you spend on the card. These points can then be redeemed for gifts, discounts, vouchers, and even air miles. Credit card companies offer this type of credit cards to those who spend regularly on retail or dining.

Rewards credit cards allow you to collect and accumulate rewards points that can be traded for a range of benefits, such as vouchers and discounts.

Rewards points are credited to your account when you spend on your card. The methods of acquiring points varies between banks. Typical examples are 1 point for every $5 spent, or 2 points per S$1 spent at a selected store.

Some rewards cards offer accelerated points when you spend at certain stores or certain items. For example, Citi Rewards Card gives 10 points per S$1 spent on clothes, shoes, or bags. HSBC Revolution Card awards 5 points for S$1 spent at restaurants.

You can redeem your rewards points for a variety of items or vouchers. Some banks also allow you to use your points to pay for your card's annual fee or to offset payments for the next billing cycle.

To see the available rewards, take a look at bank's reward catalogue. In most cases, you will be able to log on to a given website to spend your points. Instructions on points redemption will be included with the credit card terms and conditions.

Some rewards credit cards give you bonus points when spending on certain types of purchases. These bonus points can be as high as 10 times the normal amount of points you'll get. As you can imagine, spending on purchases that give you bonus points will allow you to quickly accumulate rewards points, which you can then redeem for discounts or other privileges.

To maximise your rewards points earn rate, choose a rewards card that gives you bonus points on items that you regularly spend the most money on. Use our free comparison tool to easily find out which rewards cards give you the most bonus points.

The reward programmes of some banks have an evergreen feature, wherein points issued never expire. In others, there is a limit on how long you can keep your rewards point.

You should check whether your rewards points expire, and the conditions under which they do, so as not to miss out on eligible benefits. Take note that evergreen rewards points, once converted to other benefits - such as air miles, for example - may inherit an expiry date.

Notwithstanding the above, rewards points will expire upon cancellation of the card, so be sure to check if there are any rewards points you can redeem before you cancel your card.

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