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Best Shopping Credit Cards in Singapore (2020)

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OCBC 365 Credit Card

OCBC 365 Credit Card

SingSaver's Exclusive OfferFeatured
OCBC 365 Credit Card
S$30,000
Min. Annual Income
SingSaver's Exclusive Offer:
Receive up to S$100 GrabFood vouchers upon card approval. Valid till 31 Oct 2020. T&Cs apply.
OCBC Frank Card

OCBC Frank Card

SingSaver's Exclusive OfferFeatured
OCBC Frank Card
S$30,000
Min. Annual Income
5%
Cashback on dining
6%
Cashback Retailon in-store mobile payments and in-store foreign currency spend
SingSaver's Exclusive Offer:
Get S$50 Grab vouchers and up to S$50 cashback when you apply. Valid till 31 Dec 2020. T&Cs apply.
Citi Rewards Card

Citi Rewards Card

Welcome GiftFeatured
Citi Rewards Card
S$30,000
Min. Annual Income
Welcome Gift:
Get S$200 cash via PayNow when you apply and make a qualifying spend with your card. Valid till 31 Oct 2020. 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
Welcome Gift:
Get $100 cash credit when you apply. Valid till 31 Oct 2020. T&Cs apply.

[Lucky Draw] Stand to get 6 months' worth of credit card bills paid for, just by spending on your CIMB card! A monthly cash prize of S$1,000 will also be given out. Valid till 28 Feb 2021. T&Cs apply.
UOB YOLO Card

UOB YOLO Card

Welcome Gift
UOB YOLO Card
S$30,000
Min. Annual Income
Welcome Gift:
Get S$150 cash credit when you apply and make a min. spend of S$1,500. Valid till 31 Oct 2020. T&Cs apply.
American Express CapitaCard

American Express CapitaCard

Welcome Gift
American Express CapitaCard
S$30,000
Min. Annual Income
Welcome Gift:
Receive a set of Sennheiser CX350BT Wireless In-Ear Headphones (worth S$149) when you spend S$3,000 in your first 3 months. Valid till 30 Nov 2020. T&Cs apply.

Black Friday Offer: Get S$150 Agoda vouchers OR S$150 CapitaVouchers with min. spend of S$1,000 within the first month of card approval. Valid till 2 Nov 2020. T&Cs apply.
DBS Black American Express Card

DBS Black American Express Card

DBS Black American Express Card
S$30,000
Min. Annual Income
DBS Black Visa Card

DBS Black Visa Card

DBS Black Visa Card
S$30,000
Min. Annual Income
OCBC Robinson Group Credit Card

OCBC Robinson Group Credit Card

Popular
OCBC Robinson Group Credit Card
S$30,000
Min. Annual Income
0.31%
Cashback on dining
5%
Cashback Retailon selected merchants
DBS Live Fresh Card

DBS Live Fresh Card

Welcome Gift
DBS Live Fresh Card
S$30,000
Min. Annual Income
0.3%
Cashback on dining
Welcome Gift:
Get rewarded S$150 cashback by entering the promo code 150CASH in your application. Valid till 31 Jan 2021. T&Cs apply.

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

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