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Best Rewards Credit Cards With No Minimum Spend in Singapore 2024

In Singapore, the top Rewards Credit Cards with No Minimum Spend offer effortless rewards accumulation without spending thresholds. These cards are versatile, catering to varying spending patterns and providing consistent benefits. With diverse redemption options and value from everyday expenses, they suit frequent spenders and those seeking efficient rewards.

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See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

Maybank Manchester United Platinum Visa Credit Card

Maybank Manchester United Platinum Visa Credit Card

Rewards Points Baseline
Up to 25  TREATS Points per S$5 spent
info
Cashback Base Rate
Up to 3  %
info
Annual Fee
S$ 87.2
info

2 Offers Available

SingSaver Exclusive Offer
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

16 August 2024

SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Xiaomi Smart Air Purifier 4 (worth S$275)

Valid until

16 August 2024

SingSaver Exclusive Offer
S$180 eCapitaVoucher
S$180 eCapitaVoucher

Valid until

16 August 2024

For Foreigners
Application for Foreigners
Application for Foreigners

Valid until

16 August 2024

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Travel insurance

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

Rewards Points Baseline
10  TREATS Points per S$5
info
Cashback Base Rate
1.6  %
info
Annual Fee
S$ 130.8
info

2 Offers Available

SingSaver Exclusive Offer
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

16 August 2024

SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Xiaomi Smart Air Purifier 4 (worth S$275)

Valid until

16 August 2024

SingSaver Exclusive Offer
S$180 eCapitaVoucher
S$180 eCapitaVoucher

Valid until

16 August 2024

For Foreigners
Application for Foreigners
Application for Foreigners

Valid until

16 August 2024

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

Maybank World Mastercard

Maybank World Mastercard

Rewards Points Baseline
5  TREATS Points per S$5 spent
Cashback Base Rate
0.27  %
info
Annual Fee
S$ 261.6
info

2 Offers Available

SingSaver Exclusive Offer
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

16 August 2024

SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Xiaomi Smart Air Purifier 4 (worth S$275)

Valid until

16 August 2024

SingSaver Exclusive Offer
S$180 eCapitaVoucher
S$180 eCapitaVoucher

Valid until

16 August 2024

For Foreigners
Application for Foreigners
Application for Foreigners

Valid until

16 August 2024

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

Maybank DUO Platinum Mastercard

Maybank DUO Platinum Mastercard

Rewards Points Baseline
5  TREATS Points per S$5 spent
info
Cashback Base Rate
0.27  %
info
Annual Fee
S$ 130.8
info

2 Offers Available

SingSaver Exclusive Offer
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

16 August 2024

SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Xiaomi Smart Air Purifier 4 (worth S$275)

Valid until

16 August 2024

SingSaver Exclusive Offer
S$180 eCapitaVoucher
S$180 eCapitaVoucher

Valid until

16 August 2024

For Foreigners
Application for Foreigners
Application for Foreigners

Valid until

16 August 2024

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

American Express Platinum Card

American Express Platinum Card

Rewards Points Baseline
2  points per dollar
info
Cashback Base Rate
0.6  %
info
Annual Fee
S$ 1,744

Offer Available

AMEX 30 Million Miles Giveaway
Up to 141,000 Membership Rewards® points
Up to 141,000 Membership Rewards® points

Valid until

30 September 2024

Things to consider for this product:

check

Bonus air miles

check

Dining savings

check

Airport lounge

remove

Annual Fee required

American Express Platinum Credit Card

American Express Platinum Credit Card

Rewards Points Baseline
2  points per dollar
info
Cashback Base Rate
0.6  %
info
Annual Fee
S$ 327

Offer Available

Welcome Offer
S$300 Statement Credits + 1,250 Membership Rewards® points
Up to S$300 Statement Credits + 1,250 Membership Rewards® points

Valid until

31 July 2024

Things to consider for this product:

check

Unlimited air miles

check

Dining savings

remove

Annual Fee required

Lower min. spends
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Rewards Points Baseline
1.6  points per dollar
info
Cashback Base Rate
0.5  %
info
Annual Fee
No Annual Fee
info

3 Offers Available

SingSaver Flash Deal
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Get a chance to win an iPhone 15 128GB (worth S$1,311)

Valid until

31 July 2024

Upgrade Your Rewards with a Simple Top-Up
Save S$208.30 on an Apple iPad 9th Gen WiFi 64GB (worth S$508.30) by upgrading your reward with a top up
Save S$208.30 on an Apple iPad 9th Gen WiFi 64GB (worth S$508.30) by upgrading your reward with a top up

+ 3 other gift options

Valid until

31 July 2024

Richest Offer in the Market
Dyson AM07 Tower Fan (worth S$459)
Dyson AM07 Tower Fan (worth S$459)

Valid until

31 July 2024

Richest Offer in the Market
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)

Valid until

31 July 2024

Richest Offer in the Market
S$300 eCapitaVoucher
S$300 eCapitaVoucher

Valid until

31 July 2024

Richest Offer in the Market
S$280 cash via PayNow
S$280 cash via PayNow

Valid until

31 July 2024

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Fastest Rewards Fulfilment
Citi Rewards Card

Citi Rewards Card

Rewards Points Baseline
1  point per dollar
Annual Fee
S$ 196.2
info

2 Offers Available

Upgrade Your Rewards with a Simple Top-Up
Save S$464.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up
Save S$464.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up

+ 4 other gift options

Valid until

31 July 2024

Richest Offer in the Market
Apple iPad 10th Gen WiFi 64GB (worth S$529)
Apple iPad 10th Gen WiFi 64GB (worth S$529)

Valid until

31 July 2024

Richest Offer in the Market
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 July 2024

Richest Offer in the Market
Dyson Micro 1.5kg (worth S$599)
Dyson Micro 1.5kg (worth S$599)

Valid until

31 July 2024

Richest Offer in the Market
S$300 cash via PayNow + S$150 Shopee voucher
S$300 cash via PayNow + S$150 Shopee voucher

Valid until

31 July 2024

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

DBS Woman's Card

DBS Woman's Card

Rewards Points Baseline
1  DBS Point per S$5
info
Cashback Base Rate
0.17  %
info
Annual Fee
S$ 163.5
info

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

DBS Woman's World Card

DBS Woman's World Card

Rewards Points Baseline
1  DBS Point per S$5
info
Cashback Base Rate
0.17  %
info
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

Lower min. spends
Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

Rewards Points Baseline
1  point per dollar
info
Cashback Base Rate
0.25  %
info
Annual Fee
S$ 196.2
info

3 Offers Available

SingSaver Flash Deal
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Get a chance to win an iPhone 15 128GB (worth S$1,311)

Valid until

31 July 2024

Upgrade Your Rewards with a Simple Top-Up
Save S$208.30 on an Apple iPad 9th Gen WiFi 64GB (worth S$508.30) by upgrading your reward with a top up
Save S$208.30 on an Apple iPad 9th Gen WiFi 64GB (worth S$508.30) by upgrading your reward with a top up

+ 3 other gift options

Valid until

31 July 2024

Richest Offer in the Market
Dyson AM07 Tower Fan (worth S$459)
Dyson AM07 Tower Fan (worth S$459)

Valid until

31 July 2024

Richest Offer in the Market
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)

Valid until

31 July 2024

Richest Offer in the Market
S$300 eCapitaVoucher
S$300 eCapitaVoucher

Valid until

31 July 2024

Richest Offer in the Market
S$280 cash via PayNow
S$280 cash via PayNow

Valid until

31 July 2024

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

UOB Lady's Solitaire Card

UOB Lady's Solitaire Card

Rewards Points Baseline
UNI$ 1
Cashback Base Rate
0.2  %
info
Annual Fee
S$ 414.2
info

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 July 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

HSBC Revolution Credit Card

HSBC Revolution Credit Card

Rewards Points Baseline
1  point per dollar
info
Cashback Base Rate
0.25  %
info
Annual Fee
No Annual Fee

Offer Available

Welcome Offer
Up to S$1,800 cashback
Up to S$1,800 cashback

Valid until

31 August 2024

Things to consider for this product:

check

Mobile contactless rebate

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

OCBC Rewards Credit Card

OCBC Rewards Credit Card

Rewards Points Baseline
1  OCBC$ per dollar
info
Cashback Base Rate
0.28  %
info
Annual Fee
S$ 196.2
info

2 Offers Available

Upgrade Your Rewards with a Simple Top-Up
Save S$228.30 on an Apple iPad 9th Gen WiFi 64GB (worth S$508.30) by upgrading your reward with a top up
Save S$228.30 on an Apple iPad 9th Gen WiFi 64GB (worth S$508.30) by upgrading your reward with a top up

+ 3 other gift options

Valid until

14 August 2024

SingSaver Exclusive Offer - New Cardmembers Only
Samsonite Volant Spinner 68/25 EXP + 1x Apple AirTag bundle (worth S$525.40)
Samsonite Volant Spinner 68/25 EXP + 1x Apple AirTag bundle (worth S$525.40)

Valid until

14 August 2024

SingSaver Exclusive Offer - New Cardmembers Only
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

14 August 2024

SingSaver Exclusive Offer - New Cardmembers Only
S$220 eCapitaVoucher
S$220 eCapitaVoucher

Valid until

14 August 2024

SingSaver Exclusive Offer - New Cardmembers Only
S$200 Cash via PayNow
S$200 Cash via PayNow

Valid until

14 August 2024

Things to consider for this product:

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

check

No monthly spend required

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

Rewards Points Baseline
1  point per dollar
Cashback Base Rate
5  %
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
Up to S$1,800 cashback
Up to S$1,800 cashback

Valid until

31 August 2024

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

Petrol rebate

remove

Rebate cap applied

UOB Lady's Card

UOB Lady's Card

Rewards Points Baseline
UNI$ 1
Cashback Base Rate
0.2  %
info
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 July 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

Maybank Business Platinum Mastercard

Maybank Business Platinum Mastercard

Rewards Points Baseline
1  TREATS Points per S$1 spent
Cashback Base Rate
0.29  %
info
Annual Fee
S$ 181.67
info

Things to consider for this product:

check

Travel insurance

check

Annual Fee waiver

check

Installment

check

No monthly spend required

EXCLUSIVE DEAL THAT YOU WON'T FIND ELSEWHERE
HSBC Live+ Credit Card

HSBC Live+ Credit Card

Cashback Base Rate
0.3  %
info
Annual Fee
S$ 196.2
info

5 Offers Available

Upgrade Your Rewards with a Simple Top-Up
Save S$565.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up
Save S$565.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up

+ 5 other gift options

Valid until

31 July 2024

Richest Offer in the Market
Flujo SmarTrax Standing Desk (worth S$699)
Flujo SmarTrax Standing Desk (worth S$699)

Valid until

31 July 2024

Richest Offer in the Market
Dyson AM07 Tower Fan (worth S$459)
Dyson AM07 Tower Fan (worth S$459)

Valid until

31 July 2024

Richest Offer in the Market
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)

Valid until

31 July 2024

Richest Offer in the Market
S$300 e-Voucher & up to S$600 worth of benefits
S$300 e-Voucher & up to S$600 worth of benefits

Valid until

31 July 2024

Welcome Offer
Up to S$1,800 cashback
Up to S$1,800 cashback

Valid until

31 August 2024

Welcome Offer
1x Mercedes-Benz EQB or 90x Round-trip Economy Class Tickets to Paris
1x Mercedes-Benz EQB or 90x Round-trip Economy Class Tickets to Paris

Valid until

23 September 2024

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

How does a Rewards Credit Card With No Minimum Spend work?

A Rewards Credit Card with No Minimum Spend allows you to earn rewards points for each purchase, up to a certain spend or bonus point threshold. Thereafter, these points can be redeemed for various other forms of rebates like miles or cashback. If not, they can also be redeemed directly for gifts (e.g. shopping vouchers) or experiences (e.g. travel deals). 

 

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How to best use a Rewards Credit Card With No Minimum Spend

To make the most of a rewards credit card with no minimum spend requirement, follow these strategies:

 

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Who should use a Rewards Credit Card With No Minimum Spend?

A Rewards Credit Card with No Minimum Spend is an excellent choice for a variety of individuals, depending on their spending habits, financial goals, and preferences. This type of card is particularly well-suited for these types of users:

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Things to look out for when choosing a Rewards Credit Card With No Minimum Spend

When selecting a rewards credit card with no minimum spend requirement, consider these factors to ensure you're making a well-informed choice:

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Frequently asked questions for Rewards Credit Cards With No Minimum Spend

Do all rewards credit cards come with no minimum spend?

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No, not all rewards credit cards in Singapore have no minimum spend requirements. Some cards may require reaching a specific spending threshold to earn rewards, while others offer rewards on every eligible transaction regardless of spending. For the latter, this typically refers to the base rewards points earned on all other regular spend that’s outside of the bonus categories.

In any case, always review your credit card terms thoroughly to understand how rewards are earned and if minimum spend is required.

What happens if you don’t hit the minimum spend on a rewards credit card?

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Not hitting the minimum spend on a rewards credit card in Singapore could mean missing bonus rewards or sign-up offers tied to that requirement. However, you'll still earn standard rewards or cashback based on the card's regular earning rate for eligible transactions outside of bonus categories. While no penalties apply, you might not qualify for certain promotions requiring specific spending criteria. 

Consider cards with flexible rewards structures if meeting minimum spending becomes difficult.