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.
Maybank Manchester United Platinum Visa Credit Card
Rewards Points Baseline
Up to 25 TREATS Points per S$5 spent
info
When Manchester United wins a Premier League Match, otherwise earn 5 TREATS Points per S$5 spent.
Cashback Base Rate
Up to 3 %
info
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
info
First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum
2 Offers Available
SingSaver Exclusive Offer
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)
Valid until
16 August 2024
SingSaver Exclusive Offer
S$180 eCapitaVoucher
Valid until
16 August 2024
For Foreigners
Application for Foreigners
Valid until
16 August 2024
chevron_left
chevron_right
Things to consider for this product:
check
Local spending rebate
check
No monthly spend required
check
No rebate cap
check
Travel insurance
Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
Earn up to 3% cashback and 5X TREATS Points when Manchester United Wins a Premier League match.
No minimum spend and no cashback cap.
Stand a chance to win a trip for 2 to watch Manchester United live every football season.
Complimentary travel insurance coverage of up to S$300,000.
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
SingSaver Exclusive Offer
Gift Options
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Xiaomi Smart Air Purifier 4 (worth S$275); or
S$180 eCapitaVoucher
Promotion is valid until 16 August 2024.
Promotion is valid for new Maybank credit cardmembers only.
Apply for participating Maybank credit cards with marketing consent provided and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from Maybank.
First 2 Years Waived, thereafter can be waived if min spend of $10K is hit per annum
2 Offers Available
SingSaver Exclusive Offer
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)
Valid until
16 August 2024
SingSaver Exclusive Offer
S$180 eCapitaVoucher
Valid until
16 August 2024
For Foreigners
Application for Foreigners
Valid until
16 August 2024
chevron_left
chevron_right
Things to consider for this product:
check
Annual Fee waiver
check
No monthly spend required
check
No rebate cap
check
Overseas rebate
Get 1.6% unlimited cashback on all your local spend.
No minimum spend and no cashback cap.
Earn 10 TREATS Points for every S$5 spent on foreign currency transactions.
Stand a chance to win a trip for 2 to watch FC Barcelona live every football season.
Complimentary travel insurance coverage of up to S$300,000.
Overseas spend only earns you 0.8 miles per S$10.
SingSaver Exclusive Offer
Gift Options
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Xiaomi Smart Air Purifier 4 (worth S$275); or
S$180 eCapitaVoucher
Promotion is valid until 16 August 2024.
Promotion is valid for new Maybank credit cardmembers only.
Apply for participating Maybank credit cards with marketing consent provided and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from Maybank.
(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
info
First Year Waived
2 Offers Available
SingSaver Exclusive Offer
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)
Valid until
16 August 2024
SingSaver Exclusive Offer
S$180 eCapitaVoucher
Valid until
16 August 2024
For Foreigners
Application for Foreigners
Valid until
16 August 2024
chevron_left
chevron_right
Things to consider for this product:
check
Dining rebate
check
Retail rebate
check
Petrol rebate
check
Airport lounge
Earn 10X TREATS Points (4 miles) per S$1 spent at specially selected retail stores, restaurants, and all petrol stations islandwide+.
Get up to 20.05% savings on petrol.
Complimentary green fees at world-class golf fairways.
Complimentary enrolment into Rewards Infinite Programme: TREATS Points never expire.
Free air miles conversion
Complimentary Plaza Premium airport lounge access with a minimum charge of S$1,000 in a single retail transaction.
Complimentary travel insurance coverage of up to S$1,000,000 when air tickets/travel packages are charged in full to the card.
TREATS Points awarded calculated based on blocks of S$5.
Annual income requirement: S$80,000.
Annual fee: S$240 (waived for first year only)
SingSaver Exclusive Offer
Gift Options
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Xiaomi Smart Air Purifier 4 (worth S$275); or
S$180 eCapitaVoucher
Promotion is valid until 16 August 2024.
Promotion is valid for new Maybank credit cardmembers only.
Apply for participating Maybank credit cards with marketing consent provided and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from Maybank.
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)
Valid until
16 August 2024
SingSaver Exclusive Offer
S$180 eCapitaVoucher
Valid until
16 August 2024
For Foreigners
Application for Foreigners
Valid until
16 August 2024
chevron_left
chevron_right
Things to consider for this product:
check
Petrol rebate
check
Overseas rebate
check
Travel insurance
check
Annual Fee waiver
5% cashback on petrol in Singapore and Malaysia.
1.5% cashback in foreign currency.
5 TREATS Points per $5 spent in local currency.
Complimentary Supplementary Cards for your loved ones.
Complimentary travel insurance coverage of up to S$500,000.
TREATS Points awarded calculated based on blocks of S$5.
Min. spend of S$300 each calendar month to qualify for bonus TREATS Points, capped at 30,000 bonus TREATS.
SingSaver Exclusive Offer
Gift Options
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Xiaomi Smart Air Purifier 4 (worth S$275); or
S$180 eCapitaVoucher
Promotion is valid until 16 August 2024.
Promotion is valid for new Maybank credit cardmembers only.
Apply for participating Maybank credit cards with marketing consent provided and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from Maybank.
Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion 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 such as the Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status.
Complimentary Access into Tower Club.
Complimentary Weekend Parking at Great World City.
Membership Rewards Points never expire.
Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others.
Up to 50% savings with Love Dining at selected restaurants such as Lawry’s, Sen of Japan, and Peach Garden among others.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).
AMEX 30 Million Miles Giveaway
Gift Options
Up to 141,000 Membership Rewards® points
Promotion is valid for new and existing American Express Card Members
Apply for the The Platinum Card® by AMEX through SingSaver, make a min. spend of S$8,000 within 60 days of card approval date, and pay the annual fee (S$1,744 incl. GST) to be eligible for reward
New to American Express Card Members
Welcome Offer: Receive 88,000 Membership Rewards® points upon fulfillment of reward criteria
Earn 10,000 Membership Rewards® points based on the S$8,000 spent (based on 2 Membership Rewards® points) per S$1.60 spent
Amex 30 Million Miles Giveaway*: Grab your additional 43,000 Membership Rewards® points (equivalent to 26,750 KrisFlyer miles) upon fulfillment of reward criteria
Existing American Express Card Members
Welcome Offer: Receive 88,000 Membership Rewards® points upon fulfillment of reward criteria
Earn 10,000 Membership Rewards® points based on the S$8,000 spent (based on 2 Membership Rewards® points) per S$1.60 spent
Amex 30 Million Miles Giveaway*: Grab your additional 32,000 Membership Rewards® points (equivalent to 20,000 KrisFlyer miles) upon fulfillment of reward criteria
*Should pool of miles run out before 30 September 2024, new and existing American Express Card Members will receive the welcome offer only.
Promotion is valid for new and existing American Express credit cardmembers
Apply for the AMEX Platinum Credit Card, pay the annual fee (S$327 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for rewards
New Cardmembers: Receive S$300 Statement Credits from fulfillment of reward criteria
Existing Cardmembers: Receive S$200 Statement Credits from fulfillment of reward criteria
Receive 1,250 Membership Rewards® points based on the S$1,000 spent (based on 2 Membership Rewards® points per S$1.60 spent)
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
info
Waived Perpetually
3 Offers Available
SingSaver Flash Deal
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
+ 3 other gift options
Valid until
31 July 2024
Richest Offer in the Market
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)
Valid until
31 July 2024
Richest Offer in the Market
S$300 eCapitaVoucher
Valid until
31 July 2024
Richest Offer in the Market
S$280 cash via PayNow
Valid until
31 July 2024
chevron_left
chevron_right
Things to consider for this product:
check
Bonus air miles
check
Public transportation
check
Installment
check
No Annual Fee
No cash advance fee.
No annual fee.
Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required.
Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap.
Enjoy 0% interest rates with 3-month EasyPay instalment tenure with no processing fee.
Cashback capped at 14,400 reward points, approximately S$45, on selected merchants.
Points expire after 3 years.
SingSaver Flash Deal
Gift Options
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply and get approved for participating Standard Chartered credit cards and fulfill the minimum spend criteria to get a chance to win an Apple iPhone 15 128GB (worth S$1,311).
Flash Deal reward will be received on top of existing SingSaver Exclusive reward.
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429); or
S$300 eCapitaVoucher; or
S$280 cash via PayNow
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
10X DBS points (20 miles) for every S$5 spent on online purchases.
3X DBS points (6 miles) for every S$5 spent on overseas purchases.
1X DBS points (2 miles) for every S$5 spent on other purchases.
Complimentary e-commerce protection for online purchases.
Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
Both women and men can apply.
DBS points are only awarded for every S$5 spent.
10X DBS points are only applicable for the first S$1,500 online spend per calendar month.
Minimum income requirement for Singaporeans/PRs: S$80,000.
Minimum income requirement for foreigners: S$80,000.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 80000
Lower min. spends
Standard Chartered Rewards+ Credit Card
Rewards Points Baseline
1 point per 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
3 Offers Available
SingSaver Flash Deal
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
+ 3 other gift options
Valid until
31 July 2024
Richest Offer in the Market
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)
Valid until
31 July 2024
Richest Offer in the Market
S$300 eCapitaVoucher
Valid until
31 July 2024
Richest Offer in the Market
S$280 cash via PayNow
Valid until
31 July 2024
chevron_left
chevron_right
Things to consider for this product:
check
Overseas rebate
check
No monthly spend required
check
Travel insurance
remove
Rebate cap applied
Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
Up to 5X reward points for every S$1 spent on dining transactions.
1 reward point for every S$1 spent on all eligible spend.
No min. spend required, 1 year annual fee waiver.
Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
Read our full review of the Standard Chartered Rewards+ Credit Card.
Additional reward points are capped at 20,000 points per year.
Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
SingSaver Flash Deal
Gift Options
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply and get approved for participating Standard Chartered credit cards and fulfill the minimum spend criteria to get a chance to win an Apple iPhone 15 128GB (worth S$1,311).
Flash Deal reward will be received on top of existing SingSaver Exclusive reward.
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429); or
S$300 eCapitaVoucher; or
S$280 cash via PayNow
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
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
Welcome Offer
Up to S$1,800 cashback
Valid until
31 August 2024
chevron_left
chevron_right
Things to consider for this product:
check
Mobile contactless rebate
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 and contactless payments (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 & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; 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.
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).
Welcome Offer
Gift Options
Up to S$1,800 cashback
Promotion is valid until 31 August 2024.
Promotion is valid for new and existing HSBC credit cardmembers.
Apply for a new Cash Instalment Plan with a min. loan amount of S$10,000 and tenure of 3 years with marketing consent, text CIPSS <space> last 4 digits of your HSBC credit card to 74722 and get approved by 30 September 2024 to be eligible for reward.
Cashback received is based on 1% of the approved loan principal amount, capped at S$1,800.
Samsonite Volant Spinner 68/25 EXP + 1x Apple AirTag bundle (worth S$525.40); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$220 eCapitaVoucher; or
S$200 Cash via PayNow
Promotion is valid until 14 August 2024.
Valid for new OCBC credit cardmembers only.
Apply for the OCBC 365 Credit Card or the 90°N Visa Card through SingSaver and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
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.
5% cash rebate on local dining and groceries (including food deliveries and online groceries).
Up to 17% instant discount plus 5% cash rebate on fuel spending at Caltex and Shell stations.
1X reward point per dollar spent.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Min. spending of S$600 per month, for all 3 months in a quarter, required to earn 5% cash rebate.
Cashback capped at S$250 per quarter.
Cash rebates are credited quarterly instead of monthly.
Welcome Offer
Gift Options
Up to S$1,800 cashback
Promotion is valid until 31 August 2024.
Promotion is valid for new and existing HSBC credit cardmembers.
Apply for a new Cash Instalment Plan with a min. loan amount of S$10,000 and tenure of 3 years with marketing consent, text CIPSS <space> last 4 digits of your HSBC credit card to 74722 and get approved by 30 September 2024 to be eligible for reward.
Cashback received is based on 1% of the approved loan principal amount, capped at S$1,800.
S$5 local spend = UNI$15 on all enrolled category/ies. 2000 points redeemed = S$20 cash credit, equivalent to 2.8% cashback.
Annual Fee
S$ 196.2
info
First Year Waived
Offer Available
Welcome Offer
S$350 cash credit
Valid until
31 July 2024
chevron_left
chevron_right
Things to consider for this product:
check
Local spending rebate
check
Installment
check
No monthly spend required
remove
Rebate cap applied
Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
Complimentary e-Commerce protection on your online purchases.
Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
You can only choose 1 rewards category out of 7 for the 25X UNI$ (10 miles per S$1) earn rate. It can’t be changed until next quarter.
You must apply for and use UOB Lady's Savings Account to unlock additional 15X UNI$ (6 miles per S$1) earn rate on selected rewards category.
Welcome Offer
Gift Options
S$350 cash credit
Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
Enjoy up to 51 days of interest-free credit on purchases.
Auto PayBIlls Programme that let's you earn TREATS Points for any charges.
Flexible Credit Limits based on the company's profitability, unaffected by personal card limits.
Complimentary business logo printing
2-year Annual Fee Waiver
Low interest rate of 20% p.a.
Global Concierge Services
TREATS Points for every dollar spent.
Complimentary Travel Insurance
Worldwide withdrawal services
Strict requirements for business owners.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: Conditional
EXCLUSIVE DEAL THAT YOU WON'T FIND ELSEWHERE
HSBC Live+ Credit Card
Cashback Base Rate
0.3 %
info
On all qualifying spend.
Annual Fee
S$ 196.2
info
First Year Waived
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
+ 5 other gift options
Valid until
31 July 2024
Richest Offer in the Market
Flujo SmarTrax Standing Desk (worth S$699)
Valid until
31 July 2024
Richest Offer in the Market
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)
Valid until
31 July 2024
Richest Offer in the Market
S$300 e-Voucher & up to S$600 worth of benefits
Valid until
31 July 2024
Welcome Offer
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
Valid until
23 September 2024
chevron_left
chevron_right
Things to consider for this product:
check
Dining rebate
check
Entertainment rebate
check
Petrol rebate
remove
Rebate cap applied
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 sations in Singapore.
0.3% cashback* on all other qualifying spend.
First year annual fee waived.
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.
Upgrade Your Rewards with a Simple Top-Up
Gift Options
Save S$565.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up; or
Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up; or
Save S$621 on a Sony ZV-1M2 Vlog Camera (worth S$1,209) by upgrading your reward with a top up; or
Save S$569 on a Sony HT-AX7 Portable Theatre System (worth S$769) by upgrading your reward with a top up; or
Save S$354.50 on an Apple Watch Series 9 GPS 41mm (worth S$604.50) by upgrading your reward with a top up; or
Save S$429 on an Apple iPad 10th Gen WiFi 64GB (worth S$529) by upgrading your reward with a top up
Promotion is valid until 31 July 2024.
Valid for new HSBC credit cardmembers only.
Apply for select HSBC credit cards, provide your marketing consent to HSBC, and make a min. spend of S$500 by the end of the following month from card approval date.
The Reward Upgrade will replace SingSaver Exclusive promotional reward.
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)
Promotion is valid for new HSBC credit cardmembers only
Apply for the HSBC Live+ Credit Card, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for reward
Promotion is stackable with HSBC Live+ Welcome Offer (T&Cs apply):
Make at least 1 qualifying transaction with your HSBC Live+ Credit Card by the end of the following month from card approval date to receive S$100 cashback
Promotion is valid for new HSBC credit cardmembers only
Apply for the HSBC Live+ Credit Card, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for reward
Promotion is stackable with HSBC Live+ Welcome Offer: Get up to S$900 worth of benefits with Live+
Receive S$300 e-Voucher from SingSaver Exclusive Offer reward selection
Vouchers include eCapitaLand, Food Panda, Sephora, Grab Food, Grab Ride etc, and can be selected through SingSaver’s voucher redemption partner. Voucher types are subject to availability.
Receive S$100 cashback from HSBC when you make at least 1 qualifying transaction with your HSBC Live+ Credit Card by the end of the following month from card approval date (T&Cs apply)
Spend $600 in eligible purchases each month for 6 months to receive S$500 cashback from your Live+ card
Promotion is valid for new and existing HSBC credit cardmembers.
Apply for a new Cash Instalment Plan with a min. loan amount of S$10,000 and tenure of 3 years with marketing consent, text CIPSS <space> last 4 digits of your HSBC credit card to 74722 and get approved by 30 September 2024 to be eligible for reward.
Cashback received is based on 1% of the approved loan principal amount, capped at S$1,800.
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).
Moreover, because they don’t have a minimum spend, you start accumulating bonus rewards points from your first eligible transaction onwards.
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:
Maximise bonus categories This should come as a no-brainer, but you should take advantage of bonus category(ies) spend on your rewards credit card. These bonus categories differ from card to card.
The typical rewards credit card allows you to earn bonus rewards points on selected categories predetermined by the bank. For example, the DBS Woman’s World Card earns you 10X DBS Points per S$5 on online local spend, 8X DBS Points per S$5 spend on online overseas spend, and 3X DBS Points on overseas spend. Essentially, any eligible spend falling within these categories will boost your points earned accordingly.
Another type of rewards credit card that allows you to choose your preferred categories are the UOB Lady’s / Lady’s Solitaire Cards. They offer 15X UNI$ per S$5 spend on one or two enrolled categories respectively: - Beauty & Wellness - Family - Dining - Fashion - Transport - Travel - Entertainment You’ll be able to earn points at an accelerated rate depending on your enrolled category for the quarter. Meanwhile, all other spend will only garner you a measly 1X UNI$ per S$5 spend. Use it for everyday purchases All rewards credit cards offer a base point earn rate for “all other purchases”, and this typically refers to all other retail spend that’s not a bonus category. For instance, the HSBC Revolution Card offers 10X Rewards Points on online and mobile contactless spend, but also offers 1X Reward Point on all other spend regardless.
Thus, you should utilise your card for your routine expenses like groceries, dining, bills, and shopping to accumulate rewards with each transaction.
Check options for redemptions Explore the redemption options available, including travel experiences, cashback, or rewards and gift cards. Choose options that align with your preferences and maximise the value of your points earned. Also, do take note of the card’s minimum point redemption blocks if applicable.
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:
Diverse & infrequent spenders If your spending patterns fluctuate and you don't consistently meet minimum spend thresholds, a no-minimum spend card ensures you still earn rewards on all transactions.
For everyday spend Individuals who use their credit cards for everyday expenses like groceries, bills, and dining can benefit from earning rewards on routine purchases. Just make sure that the rewards credit card actually offers bonus rewards points on your everyday spend categories, otherwise, you won’t be accumulating points effectively.
Make small transactions count If you frequently make smaller transactions, a no-minimum spend card allows you to earn rewards on these without needing to reach a certain spending amount.
Budget-conscious spenders Those who prefer to stick to a strict budget will appreciate the ability to earn rewards without feeling pressured to overspend.
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:
Rewards structure Understand the rewards program and how points are earned. Thereafter, learn what’s the minimum redemption block to convert them into miles or your preferred gifts or experiences. Also, find out which spending categories offer higher reward point rates specific to your rewards credit card.
The Citi Rewards Card earns 10X ThankYou Points on most online spend and retail shopping, meanwhile, the Maybank Horizon Visa Signature Card earns 8X TREATS Points on local dining, transport, petrol, and eligible Agoda hotel bookings only. So evidently, the bonus category(ies) eligible for boosted reward point rates vary from card to card.
Redemption options Review the available redemption options, such as travel experiences, cash rebate, gift cards and vouchers, or more to ensure they align with your preferences.
Point conversion rates If the card offers points, check how easily they can be converted into tangible rewards. Make sure the conversion ratios offer good value. For example, 3,200 360° Rewards Points is worth S$10 cash rebate with the Standard Chartered Smart Credit Card.
Rewards expiry Find out if your credit card’s rewards points have an expiry. For example, the points earned on the HSBC Revolution Card expire after 37 months if not redeemed for rewards or converted into miles. Choose a card with rewards that you can use within a reasonable timeframe.
Frequently asked questions for Rewards Credit Cards With No Minimum Spend
Do all rewards credit cards come with no minimum spend?
expand_more
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?
expand_more
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.