No Minimum Spend Required All Rewards Cards

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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.

Search by Rewards types

No Minimum Spend Required All Rewards Cards

Maybank Manchester United Platinum Visa Credit Card

Rewards Points Baseline

Up to 25 TREATS Points / S$5 spent

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When Manchester United wins a Premier League Match, otherwise earn 5 TREATS Points per S$5 spent.

Cashback Base Rate

Up to 3 %

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Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback. Bonus cashback capped at S$20 per match day win.

Annual Fee

S$ 87.2

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First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum

Things to consider for this product:

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Local spending rebate

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No monthly spend required

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No rebate cap

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Travel insurance

Maybank FC Barcelona Visa Signature Card

Rewards Points Baseline

10 TREATS Points / S$5

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For foreign currency spend only.

Cashback Base Rate

1.6 %

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Unlimited cashback

Annual Fee

S$ 130.8

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First 2 Years Waived, thereafter can be waived if min spend of $10K is hit per annum

Things to consider for this product:

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Annual Fee waiver

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No monthly spend required

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No rebate cap

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Overseas rebate

Maybank World Mastercard

Rewards Points Baseline

5 TREATS Points / S$5 spent

Cashback Base Rate

0.27 %

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(Indirect cashback) S$1 = 1 TREATS Point 18,500 TREATS Point = S$50 cash credit, equivalent to 0.27% cashback.

Annual Fee

S$ 261.6

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First Year Waived

Things to consider for this product:

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Dining rebate

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Retail rebate

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Petrol rebate

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Airport lounge

Maybank DUO Platinum Mastercard

Rewards Points Baseline

5 TREATS Points per S$5 spent

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Excluding petrol transactions

Cashback Base Rate

0.27 %

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(Indirect cashback) S$5 = 5 TREATS Points 18,500 points = S$50 cash credit, equivalent to 0.27% cashback.

Annual Fee

S$ 130.8

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First Three Years Waived

Things to consider for this product:

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Petrol rebate

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Overseas rebate

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Travel insurance

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Annual Fee waiver

American Express Platinum Card

Rewards Points Baseline

2 points / dollar

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Base rate

Cashback Base Rate

0.6 %

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(Indirect Cashback) S$1.60 spend = 2 Membership Rewards points. 1,000 points redeemed = S$4.80 cash credit (Pay With Points), equivalent to 0.6% cashback.

Annual Fee

S$ 1,744

2 Offers Available

Welcome Offer (New-to-AMEX Card Members)

90,000 Membership Rewards® points

Valid until

30 September 2025

Welcome Offer (Existing AMEX Card Members)

48,750 Membership Rewards® points

Valid until

30 September 2025

Things to consider for this product:

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Bonus air miles

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Dining savings

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Airport lounge

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Annual Fee required

Receive more than S$1,000 in travel, dining and lifestyle statement credits.
Indulge In Fine Hotels + Resorts Benefits Worth S$800.
Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges.
Gain instant status to higher tiers of leading hotel loyalty programs.
Complimentary Access into Tower Club.
Membership Rewards Points never expire.
Up to 50% savings at premium dining locations with Love Dining.
Enjoy up to S$400 every year to use at over 2,000 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.

Gift Options

90,000 Membership Rewards® points

Gift Options

48,750 Membership Rewards® points

American Express Platinum Credit Card

Rewards Points Baseline

2 points / dollar

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Base rate

Cashback Base Rate

0.6 %

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(Indirect Cashback) S$1.60 spend = 2 Membership Rewards points. 1,000 points redeemed = S$4.80 cash credit (Pay With Points), equivalent to 0.6% cashback.

Annual Fee

S$ 327

Offer Available

Welcome Offer

25,000 Membership Rewards® points

Valid until

30 September 2025

Things to consider for this product:

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Unlimited air miles

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Dining savings

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Annual Fee required

Standard Chartered Smart Credit Card

Rewards Points Baseline

1.6 points / dollar

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S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit.

Cashback Base Rate

0.5 %

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S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.

Annual Fee

No Annual Fee

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Waived Perpetually

Offer Available

SingSaver Exclusive Offer

Apple AirPods Gen 4 with Active Noise Cancelling (worth S$249)

Valid until

31 August 2025

SingSaver Exclusive Offer

Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$250 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$230 Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

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Flexible redemption options for miles, cashback or shopping vouchers

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Streaming, dining and commuting

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Interest-free Installments with SC Easy Pay

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No Annual Fee

(Dobin Exclusive) Standard Chartered Smart Credit Card

Rewards Points Baseline

1.6 points / dollar

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Base rate

Cashback Base Rate

0.5 %

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S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.

Annual Fee

No Annual Fee

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Waived Perpetually

Offer Available

Dobin Exclusive Offer

1,800 Dobin$

Valid until

30 September 2025

Things to consider for this product:

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Bonus air miles

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Public transportation

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Installment

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No Annual Fee

(Heymax Exclusive) Standard Chartered Smart Credit Card

Rewards Points Baseline

1.6 points / dollar

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Base rate

Cashback Base Rate

0.5 %

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S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.

Annual Fee

No Annual Fee

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Waived Perpetually

Offer Available

Heymax Exclusive Offer

8,000 Max Miles

Valid until

01 October 2025

Things to consider for this product:

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Bonus air miles

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Public transportation

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Installment

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No Annual Fee

(Fast Track Reward) Standard Chartered Smart Credit Card

Rewards Points Baseline

1.6 points / dollar

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S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit.

Cashback Base Rate

0.5 %

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S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.

Annual Fee

No Annual Fee

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Waived Perpetually

Offer Available

SingSaver Fast Track Reward

[Fast Track Eligible] S$200 Shopee Voucher

Valid until

29 August 2025

Things to consider for this product:

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Flexible redemption options for miles, cashback or shopping vouchers

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Streaming, dining and commuting

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Interest-free Installments with SC Easy Pay

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No Annual Fee

Citi Rewards Card

Rewards Points Baseline

1 point / dollar

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)

Valid until

31 August 2025

SingSaver Exclusive Offer

Nintendo Switch 2 (worth S$719) (Top up S$300)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airwrap™ Origin multi-styler and dryer (worth S$549)

Valid until

31 August 2025

SingSaver Exclusive Offer

Xiaomi Robot Vacuum X20 Pro (worth S$579)

Valid until

31 August 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$430 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$360 Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

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 rewards points capped at 9,000 points per statement month

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$100); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549); or
Xiaomi Robot Vacuum X20 Pro (worth S$579); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
S$430 Grab Vouchers; or
S$360 Cash via PayNow

HSBC Visa Platinum Credit Card

Rewards Points Baseline

1 point / dollar

Cashback Base Rate

5 %

Annual Fee

S$ 196.2

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First Two Years Waived

Things to consider for this product:

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Dining rebate

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Supermarket rebate

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Petrol rebate

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Rebate cap applied

UOB Lady's Card

Rewards Points Baseline

UNI$ 1

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

SingSaver Flash Deal

Apple AirPods Pro 2nd Gen (worth S$349)

Valid until

31 August 2025

SingSaver Flash Deal

Samsonite Straren Spinner 67/24 (worth S$600)

Valid until

31 August 2025

SingSaver Flash Deal

S$300 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$60 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$70 Grab Voucher

Valid until

31 August 2025

Things to consider for this product:

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Local & Overseas spending rewards

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Installment

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No monthly spend required

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Monthly rewards cap applies.

Gift Options

Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow

Gift Options

S$60 Cash via PayNow; or
S$70 Grab Voucher

(Dobin Exclusive) Citi Rewards Card

Rewards Points Baseline

1 point / dollar

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

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Annual Fee waiver

check

High-value gift

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 rewards points capped at 9,000 points per statement month

(Dobin Exclusive) Standard Chartered Rewards+ Credit Card

Rewards Points Baseline

1 point / dollar

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Base rate

Cashback Base Rate

0.25 %

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Based on conversion rate of 40,350 points = $100.

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Dobin Exclusive Offer

1,800 Dobin$

Valid until

30 September 2025

Things to consider for this product:

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

(CapitaStar Exclusive) Citi Rewards Card

Rewards Points Baseline

1 point / dollar

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

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 rewards points capped at 9,000 points per statement month

DBS Woman's Card

Rewards Points Baseline

1 DBS Point / S$5

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Or 0.4 miles per dollar per S$1.

Cashback Base Rate

0.17 %

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S$5 spend = 1 point. 1200 points = S$10 cash credit, equivalent to 0.17% cashback.

Annual Fee

S$ 163.5

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

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Installment

remove

Rebate cap applied

DBS Woman's World Card

Rewards Points Baseline

1 DBS Point / S$5

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1X DBS Points per S$5

Cashback Base Rate

0.17 %

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S$5 spend = 1 point. 1200 points = S$10 cash credit, equivalent to 0.17% cashback.

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

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Installment

remove

Rebate cap applied

Fastest Cash Fulfillment

Standard Chartered Rewards+ Credit Card

Rewards Points Baseline

1 point / dollar

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Base rate

Cashback Base Rate

0.25 %

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Based on conversion rate of 40,350 points = $100.

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

SingSaver Exclusive Offer

Apple AirPods Gen 4 with Active Noise Cancelling (worth S$249)

Valid until

31 August 2025

SingSaver Exclusive Offer

Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$250 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$230 Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

UOB Lady's Solitaire Card

Rewards Points Baseline

UNI$ 1

Cashback Base Rate

0.2 %

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(Indirect Cashback) S$5 local spend = UNI$1 point on all other spend. 2000 points redeemed = S$20 Cash Credit. Equivalent to 0.2% cashback.

Annual Fee

S$ 414.2

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First Year Waived

Things to consider for this product:

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Local spending rebate

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Installment

check

No monthly spend required

remove

Rebate cap applied

HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

On all other spend.

Cashback Base Rate

0.25 %

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S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)

Valid until

31 August 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson OnTrac™ headphones (worth S$699)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$480 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$450 Upsized Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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.

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$100); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$480 Grab Vouchers; or
S$450 Upsized Cash via PayNow

OCBC Rewards Credit Card

Rewards Points Baseline

1 OCBC$ / dollar

info

Base rate

Cashback Base Rate

0.28 %

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S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

Annual Fee

S$ 196.2

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

2 Offers Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$150)

+ 9 other gift options

Valid until

31 August 2025

Stackable Welcome Offer

Stitch Charm

Valid until

12 September 2025

Things to consider for this product:

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Retail rebate

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Online shopping rebate

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Gift: Apple product

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No monthly spend required

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$150); or
Dyson Airstrait™ hair straightener (worth S$799) (Top up S$140); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$120); or
Dyson Supersonic™ hair dryer (worth S$599) (Top up S$100); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$140); or
Hinomi Q2 Ergonomic Office Chair (worth S$499); or
Dyson Cool™ AM07 Tower Fan (worth S$499); or
S$320 Grab Vouchers; or
10,000 Max Miles by Heymax; or
S$280 Cash via PayNow

Gift Options

Stitch Charm

Maybank Business Platinum Mastercard

Rewards Points Baseline

1 TREATS Points per S$1 spent

Cashback Base Rate

0.29 %

info

S$1 = 1 TREATS Point. 2,900 TREATS Points = $10 cash credit, equivalent to 0.29% cashback.

Annual Fee

S$ 181.67

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First Two Years Waived

Things to consider for this product:

check

Travel insurance

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Annual Fee waiver

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Installment

check

No monthly spend required

(Creatory Exclusive) HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

Base rate

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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 reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).
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.
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 homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
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 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

(Creatory Exclusive) Citi Rewards Card

Rewards Points Baseline

1 point / dollar

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

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 rewards points capped at 9,000 points per statement month

HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

On all other spend.

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)

Valid until

31 August 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson OnTrac™ headphones (worth S$699)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$420 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$450 Upsized Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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.

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$100); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$420 Grab Vouchers; or
S$450 Upsized Cash via PayNow

OCBC Rewards Credit Card

Rewards Points Baseline

1 OCBC$ / dollar

info

Base rate

Cashback Base Rate

0.28 %

info

S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

Annual Fee

S$ 196.2

info

First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

2 Offers Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$150)

+ 8 other gift options

Valid until

31 August 2025

Stackable Welcome Offer

Stitch Charm

Valid until

12 September 2025

Things to consider for this product:

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

check

No monthly spend required

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$150); or
Dyson Airstrait™ hair straightener (worth S$799) (Top up S$140); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$120); or
Dyson Supersonic™ hair dryer (worth S$599) (Top up S$100); or
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429); or
Hinomi Q2 Ergonomic Office Chair (worth S$499); or
S$320 Grab Vouchers; or
S$300 Cash via PayNow; or
10,000 Max Miles

Gift Options

Stitch Charm

(Heymax Exclusive) Citi Rewards Card

Rewards Points Baseline

1 point / dollar

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

13,600 Max Miles by Heymax

Valid until

30 September 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

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 rewards points capped at 9,000 points per statement month

(Dobin Exclusive) HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

On all other spend.

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

Dobin Exclusive Offer

2,160 Dobin$

Valid until

30 September 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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.

(Heymax Exclusive) Standard Chartered Rewards+ Credit Card

Rewards Points Baseline

1 point / dollar

info

Base rate

Cashback Base Rate

0.25 %

info

Based on conversion rate of 40,350 points = $100.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

8,000 Max Miles

Valid until

01 October 2025

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

(Heymax Exclusive) HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

On all other spend.

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

Heymax Exclusive Offer

9,600 Max Miles

Valid until

30 September 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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.

(Heymax Exclusive) Citi Rewards Card

Rewards Points Baseline

1 point / dollar

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

13,600 Max Miles

Valid until

30 September 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

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 rewards points capped at 9,000 points per statement month

(Heymax Exclusive) HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

On all other spend.

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

Heymax Exclusive Offer

9,600 Max Miles

Valid until

30 September 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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.

Citi Rewards Card

Rewards Points Baseline

1 point / dollar

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100)

+ 8 other gift options

Valid until

31 August 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

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 rewards points capped at 9,000 points per statement month

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$80); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549); or
Xiaomi Robot Vacuum X20 Pro (worth S$579); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
S$430 Grab Vouchers; or
S$360 Cash via PayNow

HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

On all other spend.

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

SingSaver Exclusive Offer

S$450 Upsized Cash via PayNow

+ 7 other gift options

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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.

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$80); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$30); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$480 Grab Vouchers; or
S$450 Upsized Cash via PayNow

(Fast Track Reward) Standard Chartered Rewards+ Credit Card

Rewards Points Baseline

1 point / dollar

info

Base rate

Cashback Base Rate

0.25 %

info

Based on conversion rate of 40,350 points = $100.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Fast Track Reward

[Fast Track Eligible] S$200 Shopee Voucher

Valid until

29 August 2025

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

Citi Rewards Card

Rewards Points Baseline

1 point / dollar

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100)

+ 8 other gift options

Valid until

31 August 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

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 rewards points capped at 9,000 points per statement month

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$80); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549); or
Xiaomi Robot Vacuum X20 Pro (worth S$579); or
S$410 Grab Vouchers; or
S$370 Cash via PayNow

HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

On all other spend.

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)

Valid until

31 August 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson OnTrac™ headphones (worth S$699)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$420 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$390 Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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.

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$100); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$420 Grab Vouchers; or
S$390 Cash via PayNow

HSBC Revolution Credit Card

Rewards Points Baseline

1 point / dollar

info

On all other spend.

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

SingSaver Exclusive Offer

S$450 Upsized Cash via PayNow

+ 7 other gift options

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

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.

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$80); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$30); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$420 Grab Vouchers; or
S$450 Upsized Cash via PayNow

HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend after cash back cap

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)

Valid until

31 August 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson OnTrac™ headphones (worth S$699)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$480 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$450 Upsized Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$100); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$480 Grab Vouchers; or
S$450 Upsized Cash via PayNow

(Dobin Exclusive) HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Dobin Exclusive Offer

2,160 Dobin$

Valid until

30 September 2025

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

(Creatory Exclusive) HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend.

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

(Heymax Exclusive) HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend after cash back cap

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

9,600 Max Miles

Valid until

30 September 2025

Things to consider for this product:

check

Dining rebate

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Entertainment rebate

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Petrol rebate

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Rebate cap applied

HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend after cash back cap

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50)

Valid until

31 August 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson OnTrac™ headphones (worth S$699)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$420 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$450 Upsized Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$100); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$50); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$420 Grab Vouchers; or
S$450 Upsized Cash via PayNow

(Heymax Exclusive) HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend after cash back cap

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

9,600 Max Miles

Valid until

30 September 2025

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend after cash back cap

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

S$450 Upsized Cash via PayNow

+ 7 other gift options

Valid until

31 August 2025

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$80); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$30); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$480 Grab Vouchers; or
S$450 Upsized Cash via PayNow

HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend after cash back cap

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

S$450 Upsized Cash via PayNow

+ 7 other gift options

Valid until

31 August 2025

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$80); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$30); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson OnTrac™ headphones (worth S$699); or
S$420 Grab Vouchers; or
S$450 Upsized Cash via PayNow

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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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.

Best Rewards Credit Cards With No Minimum Spend in Singapore 2024

Maybank Manchester United Platinum Visa Credit Card

Things to consider for this product:

Quick Facts

Maybank FC Barcelona Visa Signature Card

Things to consider for this product:

Quick Facts

Maybank World Mastercard

Things to consider for this product:

Quick Facts

Maybank DUO Platinum Mastercard

Things to consider for this product:

Quick Facts

American Express Platinum Card

2 Offers Available

Things to consider for this product:

Quick Facts

American Express Platinum Credit Card

Offer Available

Things to consider for this product:

Quick Facts

Standard Chartered Smart Credit Card

Offer Available

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Standard Chartered Smart Credit Card

Offer Available

Things to consider for this product:

Quick Facts

(Heymax Exclusive) Standard Chartered Smart Credit Card

Offer Available

Things to consider for this product:

Quick Facts

(Fast Track Reward) Standard Chartered Smart Credit Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

HSBC Visa Platinum Credit Card

Things to consider for this product:

Quick Facts

UOB Lady's Card

2 Offers Available

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Citi Rewards Card

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Standard Chartered Rewards+ Credit Card

Offer Available

Things to consider for this product:

Quick Facts

(CapitaStar Exclusive) Citi Rewards Card

Things to consider for this product:

Quick Facts

DBS Woman's Card

Things to consider for this product:

Quick Facts

DBS Woman's World Card

Things to consider for this product:

Quick Facts

Standard Chartered Rewards+ Credit Card

Offer Available

Things to consider for this product:

Quick Facts

UOB Lady's Solitaire Card

Things to consider for this product:

Quick Facts

HSBC Revolution Credit Card

Offer Available

Things to consider for this product:

Quick Facts

OCBC Rewards Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Maybank Business Platinum Mastercard