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Best Shopping Credit Cards in Singapore (2021)

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DBS Live Fresh Card

DBS Live Fresh Card

Welcome GiftFeatured
DBS Live Fresh Card
S$30,000
Min. Annual Income
No Cashback
Cashback on dining
No Cashback
Cashback Retail
Welcome Gift:
Enjoy S$200 cashback when you key in the promo code 200CASH upon application. Valid till 30 Sep 2021. T&Cs apply.
OCBC 365 Credit Card

OCBC 365 Credit Card

Welcome GiftFeatured
OCBC 365 Credit Card
S$30,000
Min. Annual Income
6%
Cashback on dining
With minimum spending of $800/month.
0.3%
Cashback Retail
0.3% cashback on all other purchases. Cashback amount is capped at S$80 per calendar month.
Welcome Gift:
Enjoy up to S$250 cashback when you make a min. monthly spend of S$1,000 for two consecutive months following card approval. Valid till 30 Jun 2021. T&Cs apply.
OCBC Frank Card

OCBC Frank Card

Welcome GiftFeatured
OCBC Frank Card
S$30,000
Min. Annual Income
6%
Cashback on diningwhen payment is made via Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, or Garmin Pay
6%
Cashback Retailon in-store mobile payments and in-store foreign currency spend
Welcome Gift:
Score S$50 cashback when you make two transactions by the end of the following month after card approval. Valid till 31 Aug 2021. T&Cs apply.
Citi Rewards Card

Citi Rewards Card

SingSaver's Exclusive OfferFeatured
Citi Rewards Card
S$30,000
Min. Annual Income
0.23%
Cashback on diningStandard Cash back
(Non-direct Cashback) S$1 local spend = 1 point on all other spend. 4200 points redeemed = S$10 cash credit. Equivalent to 0.23% cashback.
2.27%
Cashback Retailon shopping and online purchases
(Non-direct Cashback) S$1 local spend = 1 point on all other spend. 4200 points redeemed = S$10 cash credit. Equivalent to 2.27% cashback.
SingSaver's Exclusive Offer:
Get rewarded with an Apple Watch SE (worth S$419) or S$350 via PayNow when you make a min. spend of S$200 within 30 days of card approval. Valid till 15 Jun 2021. T&Cs apply.
CIMB Visa Signature Card

CIMB Visa Signature Card

Welcome Gift
CIMB Visa Signature Card
S$30,000
Min. Annual Income
0.2%
Cashback on dining
10%
Cashback Retailon online shopping
minimum spend of S$800 in same statement month, and capped at S$20 per category
Welcome Gift:
Receive S$120 cash credit when you make a min. spend of S$500 for two consecutive 30-day periods following card approval. Valid till 31 Jul 2021. T&Cs apply.
American Express CapitaCard

American Express CapitaCard

Welcome Gift
American Express CapitaCard
S$30,000
Min. Annual Income
6.5%
Cashback on diningat STAR$ XTRA merchants
at STAR$® XTRA participating merchants. Receive 65 STAR$ per S$1 spent, equivalent to 6.5% cashback
6.5%
Cashback Retailat STAR$ XTRA merchants
at STAR$® XTRA participating merchants. Receive 65 STAR$ per S$1 spent, equivalent to 6.5% cashback
Welcome Gift:
Get rewarded with 120,000 STAR$ when you make a min. spend of S$2,400 within 2 months of card approval. Valid till 30 Jun 2021. T&Cs apply.

Receive a S$20 Dairy Farm Group voucher when you apply via SingPass MyInfo and make one spend. Valid till 30 Jun 2021. T&Cs apply.
DBS Black American Express Card

DBS Black American Express Card

DBS Black American Express Card
S$30,000
Min. Annual Income
6%
Cashback on dining
minimum spend of S$600 for New Cardmembers or S$800 for Existing Cardmembers each calendar month, valid till 30 April 2019.
6%
Cashback Retailon shopping
minimum spend of S$600 for New Cardmembers or S$800 for Existing Cardmembers each calendar month, valid till 30 April 2019.
DBS Black Visa Card

DBS Black Visa Card

DBS Black Visa Card
S$30,000
Min. Annual Income
6%
Cashback on dining
minimum spend of S$600 for New Cardmembers or S$800 for Existing Cardmembers each calendar month, valid till 30 April 2019.
6%
Cashback Retailon shopping
minimum spend of S$600 for New Cardmembers or S$800 for Existing Cardmembers each calendar month, valid till 30 April 2019.
Maybank Platinum Visa Card

Maybank Platinum Visa Card

Welcome Gift
Maybank Platinum Visa Card
S$30,000
Min. Annual Income
3.33%
Cashback on diningon local and foreign spend
3.33% cashback on local dining with a minimum spend of $1000/month.
3.33%
Cashback Retailon online and retail shopping
3.33% cash back on all local spend. minimum spend of S$300 per month each quarter. Cashback cap of S$100 per quarter
Welcome Gift:
Score S$100 cash credit when you apply for this card and a CreditAble account plus make a min. spend or withdrawal of S$250 for the first two consecutive months upon card approval. Valid till 30 Jun 2021. T&Cs apply.
Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

SingSaver's Exclusive Offer
Standard Chartered Rewards+ Credit Card
S$30,000
Min. Annual Income
1.56%
Cashback on diningon local dining
(Indirect Cashback) S$1 = 1 point, 32,000 points = S$100 cash credit, equivalent to 1.56% cash back
3.13%
Cashback Retailon online spends in foreign currency
Based on conversion rate of 32,000 points = $100 cash rebate
SingSaver's Exclusive Offer:
Get a set of Apple AirPods Pro (worth S$379), or Sennheiser Momentum True Wireless 2 (worth S$449), or S$300 cash when you make a min. spend of S$300 within 30 days of card approval. Valid till 15 Jun 2021. T&Cs apply.

Best Credit Cards For Shopping In Singapore 2020

Product Name

Cashback on shopping

Monthly cashback cap

CIMB Visa Signature Card
10%
S$100
OCBC Frank Card
6%
S$75
DBS Live Fresh Card
5%
No Cap
Citi Rewards Card
2.27%
No Cap
OCBC Titanium Rewards Credit Card
2.78%
No Cap

Why get a shopping credit card?
A shopping credit card can reward you with perks such as additional miles, cashback or reward points for your shopping. As online purchases become more common, having a go-to credit card for your online shopping will come in handy as you go about your retail therapy.

Who should get a shopping credit card?
If you find yourself partaking in regular shopping sprees, be it online, retail stores or seasonal sales, consider a shopping credit card. Choose wisely; get one that rewards you with additional benefits at selected merchants that you frequent the most.

What counts as ‘shopping’ for a shopping credit card?
For many credit cards these days, the criteria to earn additional rewards involves ‘online purchases’, ‘online shopping’ or ‘online spend’. This could go beyond your usual clothing, bags and shoes to include electronic gadgets, fitness apparels, beauty products and more. There are some credit cards that specify the types of stores that will earn bonus rewards.

Are there shopping credit cards just for ladies?
Yes, there are a few credit cards made for the ladies. These include:

  • UOB Lady’s Card: Earn 4 miles per S$1 spent on one selected category
  • UOB Lady’s Solitaire Card: Earn 4 miles per S$1 spent on two selected categories
  • DBS Woman’s World Card: Earn 10 DBS Points per S$5 spent on online purchases (men can also apply for this card)
Need some help?
No worries, we've got you covered!
What are online shopping credit cards? How do I use it?

Online shopping credit cards refer to credit cards that offer rewards for your online purchases. To enjoy the reward offered by the credit card, simply pay for your purchase on the online store with the credit card. You can even save your credit card information into the application or your online account for ease of purchase in the future.

What credit card rewards do I get for shopping online?

Credit cards give rewards such as cashback, miles or rewards points for your online purchases. Some online shopping credit cards also offer additional perks such as e-commerce protection. E-commerce protection can reimburse you for incomplete delivery, delivery of wrong items, physical damage or non-delivery of purchase.

Which kinds of transactions will be categorised as online shopping?

Online shopping usually encompasses purchases made online on e-commerce sites. This includes the likes of Shopee, Lazada, Zalora, Qoo10, Amazon, blog shops and more. Beyond retail shopping spend, some credit cards have wider definitions when it comes to online shopping. This means you could get rewarded for any transactions made across various categories (e.g. dining, grocery, food delivery), as long as they are purchased online. 

How a credit card provider determines the eligibility for the reward ultimately depends on the Merchant Category Code (MCC). Do check the terms and conditions of the credit card before applying or before making your online purchase.

Are online shopping credit card offers only applicable to designated online merchants?

Online shopping credit card offers are applicable to all online spending in local or foreign currency. The earning of rewards on your credit card is not limited to specific online merchants. 

However, online merchants could partner up with specific credit card providers to offer special promotions, so you can keep a lookout for that. Although spending in foreign currency may earn you additional rewards, you may be charged dynamic currency conversion fees if your credit card transactions are processed on overseas-based websites and charged in foreign currency.

What else should I look out for when getting an online shopping credit card?

Besides knowing what you can earn on your credit card when spending online, you should also look out for other features such as: 

  • Minimum monthly spend required 
  • Cashback cap 
  • Additional perks (e.g. e-commerce protection, free travel insurance) 
  • Rewards for spending on other categories (e.g. mobile contactless transactions, in-store retail purchases)
What is the best credit card for online shopping?

The best credit card depends on your online spending habits. For example, it is advisable to use a credit card with a minimum spend that matches your monthly expenditure. You can read this article to find the best online shopping credit cards in Singapore. For mile chasers, read this to find out how you can earn miles while shopping.

Miles, rewards or cashback: Which is best for online shoppers?

There are online shopping credit cards for each of these credit card types. You can read this article to find out which of the three types of credit cards is the best for you, before narrowing your selection within the credit card type to apply for one that rewards you for online shopping.

How can I get the most out of my online shopping credit card?

Besides getting a credit card that rewards you for online shopping, you should find out if the online shopping store gives additional promotions for specific credit card providers. Keep aYou should also actively look out for promo codes that can get you an additional discount. 

Refer to these articles that contain the latest promo codes for Lazada, Shopee and Zalora.

What are the charges of an online shopping credit card?

Online shopping credit cards may charge annual fees and late payment fees. However, these fees are similar across all types of credit cards, rather than being a charge specific to online shopping credit cards.

What are the requirements for applying for an online shopping credit card?

You will have to meet the minimum income requirements to apply for the card. Some online shopping credit cards, such as the DBS Woman’s World card and the UOB Lady’s Solitaire card, also impose a higher minimum income requirement. 

Online shopping credit cards can also be gender specific, such as the UOB Lady’s Card that is only available for females. Do keep in mind that while some credit cards such as the DBS Woman’s World Card are named as such, they do not require you to be a female to apply for the card.

Will I lose my rewards if I return my online purchase?

You can earn online shopping rewards only with eligible transactions. When you return your online purchase for a refund, this refund will be returned to the same credit card you made the purchase with. Most credit cards' terms and conditions state that all returned, refunded and exchanged transactions are not eligible for rewards, and all falsified, cancelled and indemnified transactions are not entitled to earn rewards either.

Do I save more money shopping online or going directly to the store?

Some merchants offer different promotions online compared to their brick-and-mortar stores. These promotions could make online shopping more attractive by offering more discounts, especially with the use of promo codes. Shopping online can also save time and gives you added convenience. However, there is a chance that shopping online could end up more expensive because of shipping charges. 

Brick-and-mortar stores, on the other hand, give you the chance to try on and inspect your product before purchase. This could save you the hassle of getting product exchanges and refunds.

How do I make sure my online shopping transaction is safe?

When making online purchases with the credit card of your choice, you're usually required to supply your name as shown on the card, your credit card number, expiry date, and a three-digit code that can be found at the back of the card (or in the case of American Express, the four-digit code found in front). Your online purchase will only be processed by the vendor when these details are provided.

  You should also check that the website you’re on is secure before entering your credit card details at the checkout page. Once you confirm payment, a final approval is usually required via an additional security check. Examples include 2-factor authentication on your mobile phone or a ‘Verified by Visa’ page. You should also keep a copy of your payment confirmation for your reference. 

You can also read this article for tips to prevent cyber attacks.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

SingSaver

© 2015 - 2021 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at 89 Neil Road, #03-01, Singapore 088849.

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