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Citi Rewards Visa Card

SingSaver's Exclusive OfferFeatured
SingSaver's Exclusive Offer:
Free S$200 vouchers for new customers. S$30 for existing customers.

Features

SingSaver Exclusive: Get S$200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. Promo ends 30 June 2019. Terms and Conditions apply.
SingSaver Exclusive: Get S$30 NTUC FairPrice vouchers upon approval for existing customers. Promo ends 30 June 2019. Apply here for existing customers .
Earn 10X Rewards (10 Points or 4 Miles for every S$1 spent) on all your online purchases (except travel related transactions). Terms and Conditions apply.
Earn 10X Rewards (10 Points or 4 Miles for every S$1 spent) on your shopping spend made locally and overseas. Terms and Conditions apply.
Earn 1X Rewards Point for every S$1 spent on all other spending
No minimum spend required
10X Rewards is capped at 10,000 Points per statement month. After the cap is reached, continue to earn 1X Reward for every S$1 spent.
Redemption illustration: 4,400 points = S$10 Cash Rebate. 25,000 points = 10,000 Miles
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$42,000

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive S$200 vouchers

$200 Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. 

  • Get $30 NTUC FairPrice vouchers upon approval for existing customers.
  • Terms and Conditions apply.
  • Promotion valid till 30 June 2019.

APR/Fees

APR
Minimum Payment
1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
26.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
25 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver)
Foreign Currency Transaction Fee
3.0%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

Standard Chartered Rewards+ Credit Card

SingSaver's Exclusive OfferFeatured
SingSaver's Exclusive Offer:
$220 cash and cashback for new customers. Receive up to $90 cash and cashback for existing customers.

Features

SingSaver Exclusive: Get S$100 cash when your card is activated - for new customers only! Existing customers get $50 cash. Promotion is valid till 30 June 2019. Terms and Conditions apply.
Get S$100 cash back for new customers & S$20 cash back for existing customers! This promotion ends 30 June 2019. Terms and Conditions apply.
NEW! Receive your digital card instantly with MyInfo. Receive a S$20 cashback when you are instantly approved, activate your virtual card and make at least one Eligible Retail Transaction within 3 days of the date of instant approval. Promotion valid till 30 June 2019. Terms and Conditions apply.
Get up to 10X rewards points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions
Get up to 5X rewards points for every S$1 spent on dining transactions
Get 1 rewards point for every S$1 spent, on all eligible spend. No minimum spend required.
Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes and Enjoy up to 50% off à la carte dining at The Fullerton Hotel and The Fullerton Bay Hotel Singapore. Terms and Conditions apply.
Have a peace of mind when you travel with complimentary travel insurance coverage of up to S$500,000. Simply charge your full travel fare to your card before you go abroad. Terms and conditions apply.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$60,000

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive up to S$100 cash

Receive S$100 cash when your card is approved and activated for new customers. 

Welcome Offer
OFFER 1
$100 cashback for new customers, $20 cashback for existing customers

Get $100 cash back for new customers & $20 cash back for existing customers! 


OFFER 2
$20 cashback when you apply for a digital card

NEW!S$20 cashback when you are instantly approved via MyInfo, activate your virtual card and make at least one Eligible Retail Transaction within 3 days of the date of instant approval. 


APR/Fees

APR
Minimum Payment
S$50 or 1% of principal plus interest, fees and charges; plus any overlimit amount and past due amount.
Late payment charge
S$80 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
26.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
22 Days
Fees
Annual fee
S$192.60 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
3.5%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

Maybank World MasterCard

Welcome Gift

Features

Get S$100 cash credit with Maybank Credit Cards and Creditable. Simply apply for 2 new Maybank Credit Cards and CreditAble and charge to your card or withdraw from CreditAble Account a min of S$800 within first two months of approval. Terms and Conditions apply.
Earn 10X TREATS Points per S$1 spent at specially selected retail, dining restaurants and all petrol stations islandwide
Get up to 19.1% savings on petrol
Complimentary access to JetQuay, the five-star private terminal at Singapore Changi Airport.
Enjoy complimentary green fees for golf at 86 world-class fairways across 18 countries
Receive a S$50 Escentials gift voucher during Principle cardmember's birthday month.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$60,000

Promotions and Terms and Conditions

Welcome Offer
Receive S$100 cashback
  • Get S$100 cash credit, simply apply for 2 new Maybank Credit Cards and CreditAble and charge to your card or withdraw from CreditAble Account a minimum of S$800 within first two months of approval.
  • Terms and Conditions apply.
  • Promotion valid till 31 Jul 2019

APR/Fees

APR
Minimum Payment
3% of outstanding balance or S$20, whichever is higher.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$80 will be levied.
Interest On Purchases
25.9%
Interest On Cash Advance
25.9%
Interest Free Repayment Period
20 Days
Fees
Annual fee
S$240.00 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.75%

Eligibility

Minimum Age
21
Min. Annual Income
S$80,000

OCBC Titanium Rewards Credit Card - Blue Card Face

Welcome Gift
Welcome Gift:
Receive S$50 cash rebate upon approval for new OCBC credit card applications
Receive your digital card instantly when you apply with MyInfo
Receive your digital card instantly when you apply with MyInfo

Features

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications. Promotion valid till 31 July 2019. Terms and Conditions apply.
Valid for these categories: Clothes, shoes and bags, Department stores, Electronics and gadgets, Babies' and children's wear and Personal Care
Comes with e-commerce protection which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you
Earn 2% Cash Rebate when you spend at BEST Denki, on top of the existing 10 OCBC$ (worth 4 Miles) OCBC Titanium Rewards Cardmembers earn on a usual basis.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000

Promotions and Terms and Conditions

Welcome Offer
Receive $50 cash credit

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications.


APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases
25.92%
Interest On Cash Advance
28.92%
Interest Free Repayment Period
23 Days
Fees
Annual fee
S$192.60 (Automatic waivers of annual fee if you spend at least S$10,000 by each anniversary date.)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

American Express CapitaCard

SingSaver's Exclusive Offer
SingSaver's Exclusive Offer:
S$60 CapitaVoucher upon S$1,500 spend and S$20 CapitaVouchers when you apply via MyInfo. Receive an American Tourister Luggage (worth S$200). T&Cs apply.

Features

Apply via MyInfo and get S$20 Capitavouchers. Promotion ends 30 June 2019. Terms and Conditions apply.
Receive S$60 CapitaVoucher when you spend S$1,500 in your first 3 months (awarded in STAR$®).
Receive an American Tourister Erie 67/24 Luggage (worth S$200) when you spend an additional S$1,500 within the first 3 months upon Card approval.
Earn 5 STAR$® for every S$1 spent on eligible purchases.
Earn 3X STAR$® when you spend in CapitaLand Malls.
Enjoy Complimentary 3-hour parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 in a calendar month.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$60,000

Promotions and Terms and Conditions

Welcome Offer
OFFER 1
Receive S$60 CapitaVouchers
  • Spend S$1,500 on eligible purchases of goods or services within the first 3 months upon Card approval and receive 60,000 Bonus STAR$ (equivalent of S$60 CapitaVouchers)
  • Terms and Conditions apply.

OFFER 2
Receive an American Tourister Erie 67/24 Luggage (worth S$200)
  • Spend an additional S$1,500 (total spend of S$3,000) on eligible purchases of goods and services within the first 3 months upon Card approval and receive an American Tourister Erie 67/24 Spinner Exp TSA luggage bag.
  • Terms and Conditions apply.

OFFER 3
Receive S$20 CapitaVouchers with MyInfo

Receive S$20 CapitaVouchers upon Card approval when you use MyInfo to pre-fill your application.


APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
S$90 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
25.90%
Interest On Cash Advance
25.90%
Interest Free Repayment Period
22 Days
Fees
Annual fee
S$171.2 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.5%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

HSBC Revolution Credit Card

SingSaver's Exclusive Offer
SingSaver's Exclusive Offer:
S$150 cashback or Samsonite T5 Spinner for new customers and S$30 cashback for existing customers.

Features

Sign Up gift for New Cardholder: S$150 cash back or Samsonite T5 Spinner with built-in scale worth S$560
Sign Up gift Existing Cardholder: S$30 cash back
To qualify for the sign up gift, Cardholder will have to spend a minimum of S$800 within a month of card approval for sign up gift. Promotion is valid from till 31 July 2019. Terms and Conditions apply.
Earn 5x rewards points per S$1 spent online, on local dining, and entertainment. All other spend earns 1 reward point. No min. spend required. No cap on rewards point.
Enjoy up to an additional 16% instant petrol discount at all Caltex and Shell stations.
Redemption illustration: 20,000 Reward Points = S$50 cash credit or 8,000 KrisFlyer/Asia Miles.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$40,000

Promotions and Terms and Conditions

Welcome Offer
Receive up to S$150 cashback
  • Choice of S$150 cashback or Samsonite T5 Spinner worth S$560 for new cardholders
  • Existing cardholders will receive S$30 cashback
  • To qualify, cardholder will have to spend a minimum of S$800 in the first month after card approval
  • Promotion valid till 31 July 2019
  • Terms & Conditions apply.

APR/Fees

APR
Minimum Payment
3% of statement balance or S$50.
Late payment charge
S$50 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
25.90%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
20 Days
Fees
Annual fee
S$160.50 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

OCBC NTUC Plus! Credit Card

Welcome Gift
Welcome Gift:
Receive S$50 cash rebate upon approval for new OCBC credit card applications
Receive your digital card instantly when you apply with MyInfo
Receive your digital card instantly when you apply with MyInfo

Features

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications. Promotion valid till 31 July 2019. Terms and Conditions apply.
Enjoy up to 12% off at FairPrice Stores and Warehouse Club, and up to 8% off at FairPrice Online.
Enjoy 18.5% fuel savings + earn 2.4% Smiles Points at Esso.
Enjoy instant 18% off all fuel grades and 0.2% LinkPoints rebate at Caltex.
Enjoy 3% off everything at Unity, Popular and Cheers.
1% LinkPoints reward on M1, Starhub & Singtel recurring bills.
Earn 0.22% LinkPoints rewards on all Visa spendings.
Min. spend of S$400 worth of Visa transactions outside FairPrice, FairPrice Online, Warehouse Club and Unity required.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000
Prevailing NTUC membership fees apply.

Promotions and Terms and Conditions

Welcome Offer
Receive $50 cash credit

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications.


APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases
25.92%
Interest On Cash Advance
28.92%
Interest Free Repayment Period
23 Days
Fees
Annual fee
Free for Life
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend

OCBC Plus! Credit card

Welcome Gift
Welcome Gift:
Receive S$50 cash rebate upon approval for new OCBC credit card applications
Receive your digital card instantly when you apply with MyInfo
Receive your digital card instantly when you apply with MyInfo

Features

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications. Promotion valid till 31 July 2019. Terms and Conditions apply.
Enjoy up to 7% off at FairPrice Stores and Warehouse Club, and up to 3% off at FairPrice Online.
Enjoy 18.5% fuel savings + earn 2.4% Smiles Points at Esso.
Enjoy instant 18% off all fuel grades and 0.2% LinkPoints rebate at Caltex.
Enjoy 3% off everything at Unity, Popular and Cheers.
1% LinkPoints reward on M1, Starhub & Singtel recurring bills.
Earn 0.22% LinkPoints rewards on all Visa spendings.
Min. spend of S$500 worth of Visa transactions outside FairPrice, FairPrice Online, Warehouse Club and Unity required.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000
Automatic fee waiver from the 2nd year onwards with a min. spend of S$2,500 per annum.

Promotions and Terms and Conditions

Welcome Offer
Receive $50 cash credit

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications.


APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases
25.92%
Interest On Cash Advance
28.92%
Interest Free Repayment Period
23 Days
Fees
Annual fee
S$107.0 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend

Maybank FC Barcelona Visa Signature Card

Welcome Gift
Welcome Gift:
Receive S$100 cash credit. Terms and Conditions apply.

Features

Get S$100 cash credit with Maybank Credit Cards and Creditable. Simply apply for 2 new Maybank Credit Cards and CreditAble and charge to your card or withdraw from CreditAble Account a min of S$800 within first two months of approval. Terms and Conditions apply.
Get 1.6% unlimited cash rebates on all your local spend
No minimum spend and no cashback cap
Earn 2X TREATS Points with every dollar spent on foreign currency transactions
Stand a chance to win a trip for 2 to watch FC Barcelona live every football season. Earn 5 chances with every S$50 on local spend and 10 chances with every S$50 equivalent of foreign spend.
Get 10% discount on the FC Barcelona Online Store Asia Pacific.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$60,000

Promotions and Terms and Conditions

Welcome Offer
Receive S$100 cashback
  • Get S$100 cash credit, simply apply for 2 new Maybank Credit Cards and CreditAble and charge to your card or withdraw from CreditAble Account a minimum of S$800 within first two months of approval.
  • Terms and Conditions apply.
  • Promotion valid till 31 Jul 2019

APR/Fees

APR
Minimum Payment
3% of outstanding balance or S$20, whichever is higher.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$80 will be levied.
Interest On Purchases
25.9%
Interest On Cash Advance
25.9%
Interest Free Repayment Period
20 Days
Fees
Annual fee
S$120.00 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
2.75%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

UOB Lady's Card

Welcome Gift
Welcome Gift:
Free S$50 cash upon card approval + up to S$150 cash credit for new cardholders.

Features

SingSaver Exclusive: Get S$50 cash reward when your card is approved! Promotion ends 30 June 2019. Terms and Conditions apply.
Receive up to S$150 cash credit for new credit card holders who charge a minimum of S$1,500 within first 30 days. Promotion valid till 31 Oct 2019. Terms and Conditions apply.
Earn 10x UNI$ (20 miles) per S$5 spend when you choose from 7 categories: Beauty and wellness, Fashion, Dining, Family, Travel, Transport and Entertainment. Terms and Conditions apply.
Lady’s LuxePay Plan – Put your new luxury purchase (shoes and bags) worth S$500 or more (local, online or overseas) on a 6 or 12-month instalment payment plan, absolutely free. Terms and Conditions apply.
Shop with peace of mind. e-Commerce protection provides coverage for your online purchases. Click here for details.
Terms & Conditions apply for all aforementioned privileges
Get same day delivery of card upon approval. Terms and Conditions apply.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$40,000
Only open to females

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive up to S$50 cash

Receive S$50 cash when your card is approved and activated for new and existing customers. 

Welcome Offer
Receive S$150 cash credit
  • Spend a minimum of S$1,500 in the first 30 days of card approval.
  • Only applicable for new customers only
  • Terms and Conditions apply.
  • Promotion valid till 31 Oct 2019.

APR/Fees

APR
Minimum Payment
3% of current balance or S$50, whichever is higher, plus any overdue amounts.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
25.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
21 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

Need some help?

No worries, we've got you covered!

What is Rewards Credit Card?

These cards let you earn reward points when you spend on your card. It is an incentive to make you charge your purchases to your credit card instead of paying by cash or other cashless payment modes. These reward points can be accumulated and used to redeem a huge array of items. The types of credit card rewards include vouchers and discounts on dining, hotel stays, air miles, shopping, electronics, groceries and much more. Most cards have an expiry date for the reward points, so be sure to redeem them before they expire. The best rewards credit cards in Singapore, however, let you keep your rewards points for life. So, you can continue to accumulate rewards points and redeem a big-ticket item.

Types of Rewards Credit Card

The two popular types of rewards credit cards are air miles credit cards and cashback credit cards. Air miles credit cards, also known as frequent flyer miles, are part of a loyalty program by airlines and credit card companies. Miles are accumulated as you spend on your credit card, and you can claim the cost of your flights in the miles you have clocked.

Cashback credit cards offer cash rewards when you make purchases. The more you spend, the more cash rewards you accumulate. The interest rate for the rewards differs from each card and can differ depending on your category of expenses, i.e. shopping or bills. Cashback credit cards tend to be suitable for people with fixed expenses each month.

While air miles and cashback credit cards are the common credit card rewards, there are also cards with specialised incentives for shopping, gas or hotel stays when you charge to it.

Tiered Versus Flat Rewards

A tiered reward system is a rewards-earning calculation that rewards card users for spending more. As you spend more in a tiered system, the percentage of your rewards increases, up to a maximum. For example, a tiered reward offer might offer you 1 percent cash back for the first $500 spent and 2 percent for the next $500 spent, up to a maximum. Some cards also allow you to unlock additional rewards when you hit a certain amount of spending in specific categories. For flat reward systems, card users typically get a fixed reward offer regardless of the amount and type of purchases made.

How can I use my credit card rewards?

For most airmiles card users, users can choose to accumulate points to claim a big-ticket item of a higher value. Rewards miles can usually be redeemed with travel site partners. However, it’s good to note the terms of redemption as there may be travel restrictions like blackout dates, or changing mileage conversion rates between the time you earned the points and the time you spend the points.

Cashback rewards are usually credited back to your credit card as rebates on a monthly basis. Most credit cards do not require to do anything extra after making your purchases. As long as you fulfil the requirements to meet the cashback rewards, it will be automatically credited to your account.

Confused about credit card terms?

Glossary terms to know for first-time credit card users