Best Cashback Credit Cards with no Minimum Spend in Singapore 2024
Having difficulty hitting the minimum spend requirements for your cashback credit card? If you answered “yes”, these no-frills credit cards offer effortless cashback on all eligible transactions without minimum spending requirements.
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
Earn up to 10% cashback for spends above S$1,500 on selected merchants.
Earn up to 8% cashback for spends above S$800 on selected merchants.
Enjoy 0.5% cashback for all base spends with no monthly cashback cap.
Enjoy peace of mind when your flight is delayed with Visa SmartDelay™, which offers complimentary access to over 1,700 airport lounges and travel experiences.
Interest-free instalments with SC Easy Pay.
No cash advance fee.
No annual fee.
No cashback cap.
Cashback awarded in the form of 360° Rewards Points.
Points expire after 3 years.
SingSaver Exclusive Offer
Gift Options
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249); or
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659) ; or
S$250 Shopee voucher; or
S$200 Cash via PayNow
SingSaver Exclusive Offer promotion is valid until 31 July 2025.
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$800 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
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 Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to 17% discount at Caltex, Esso and Shell petrol stations.
SingSaver Exclusive Offer
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); or
S$450 Shopee Vouchers; or
S$400 Cash via PayNow
SingSaver Exclusive Offer promotion is valid until 6 July 2025.
Promotion is valid for new Citi credit cardmembers only.
Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
Promotion does not stack with other welcome offers from Citibank.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to 17% discount at Caltex, Esso and Shell petrol stations.
Terms and Conditions :
Installment Processing Fee: From 0.5 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
(Dobin Exclusive) Citi Cash Back+ Card
Cashback Local
Up to 3.25 %
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3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.
Cashback Overseas
1.6 %
Annual Fee
S$ 196.2
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First Year Waived
Offer Available
Dobin Exclusive Offer
3,200 Dobin$
Valid until
31 July 2025
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Things to consider for this product:
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No rebate cap
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No monthly spend required
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Annual Fee waiver
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High-value gift
1.6% cashback on all eligible spending with no minimum spend and no cap.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to 17% discount at Caltex, Esso and Shell petrol stations.
Dobin Exclusive Offer
Gift Options
3,200 Dobin$
Dobin Exclusive Offer promotion is valid until 31 July 2025.
Promotion is valid for new Citi credit cardmembers only.
Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with SingSaver Exclusive Offer.
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 Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to 17% discount at Caltex, Esso and Shell petrol stations.
Heymax Exclusive Offer
Gift Options
17,000 Max Miles
Heymax Exclusive Offer promotion is valid until 30 April 2025.
Promotion is valid for new Citi credit cardmembers only.
Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with SingSaver Exclusive Offer.
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 Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to 17% discount at Caltex, Esso and Shell petrol stations.
SingSaver x CapitaStar Exclusive Offer
Gift Options
S$260 eCapitaVouchers
SingSaver x CapitaStar Exclusive Offer promotion is valid until 10 July 2025.
Promotion is valid for new Citi credit cardmembers only.
Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion does not stack with SingSaver Exclusive Offer.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Up to 17% discount at Caltex, Esso and Shell petrol stations.
Terms and Conditions :
Installment Processing Fee: From 0.5 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
Maybank Manchester United Platinum Visa Credit Card
Cashback Local
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.
Cashback Overseas
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
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$5.
TREATS Points expire after one year.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DCS Ultimate Platinum UnionPay Card
Cashback Local
2 %
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No minimum spend; cashback is capped at S$200 per calendar month.
Cashback Overseas
2 %
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No minimum spend; cashback is capped at S$200 per calendar month.
Annual Fee
S$ 196.2
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First Year Waived
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Online shopping rebate
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Travel insurance
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No monthly spend required
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Rebate cap applied
Get up to 2% cashback on all purchases with no minimum spend.
Free Insurance Coverage of up to S$1,000,000.
Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
DCS Ultimate Platinum Mastercard
Cashback Local
2 %
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No minimum spend; cashback is capped at S$200 per calendar month.
Cashback Overseas
2 %
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Card transactions made in foreign currencies will be converted to Singapore Dollars based on a retail rate by DCS plus a conversion commission.
Annual Fee
S$ 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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Travel insurance
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No monthly spend required
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Rebate cap applied
Get up to 2% cashback on all purchases with no minimum spend.
Free Insurance Coverage of up to S$1,000,000.
Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: S$ 30000
Standard Chartered Simply Cash Credit Card
Cashback Local
2 %
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Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.
Cashback Overseas
2 %
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Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.
Annual Fee
S$ 196.2
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First Year Waived
2 Offers Available
SingSaver Exclusive Offer
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)
Valid until
31 July 2025
SingSaver Exclusive Offer
Dyson Airstrait™ straightener (worth S$799) (Top up S$100)
Valid until
31 July 2025
SingSaver Exclusive Offer
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)
Valid until
31 July 2025
SingSaver Exclusive Offer
Dyson Supersonic™ hair dryer (worth S$599) (Top up S$50)
Valid until
31 July 2025
SingSaver Exclusive Offer
S$360 Cash via PayNow
Valid until
31 July 2025
Standard Chartered Pinball Sure-Win Promotion
Win a Paris Getaway for Two!
Valid until
31 July 2025
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Things to consider for this product:
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2% Upsized Cashback (Limited Time Only)
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No rebate cap
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No monthly spend required
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First year annual Fee waiver
Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.
1.5% unlimited cashback rate with no min. spend.
Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
First year annual fee waiver.
Cannot be used for EZ-Reload.
SingSaver Exclusive Offer
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 Supersonic™ hair dryer (worth S$599) (Top up S$50); or
S$360 Cash via PayNow
SingSaver Exclusive Offer promotion is valid until 31 July 2025.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from Standard Chartered.
1.7% cashback on all your purchases including travel, home furnishings, weddings, luxury purchases and more.
0.3% cashback on local transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab wallet top-ups.
No minimum spend.
No cashback cap.
Cashback earned in current statement period is automatically used to offset the following month's bill.
Mobile contactless payment methods not supported.
Welcome Offer
Gift Options
5% Cashback (Capped at S$50)
Welcome Offer promotion is valid from 19 June 2025 to 31 July 2025.
Promotion is valid for new-to-UOB credit card customers only.
Be one of the first 60 customers to apply and get approved for the UOB EVOL card, register for the promotion, and take the least total number of days to spend a min. of S$800 per month for 2 consecutive months from the card approval date to be eligible for reward.
SMS EVOLGIFT <space> Last 4 alphanumeric characters of your NRIC to 77862 using your Singapore mobile number registered with UOB to participate in the promotion.
Promotion is not stackable with other promotions from UOB or SingSaver unless otherwise indicated.
1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.
Cashback Overseas
1.8 %
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1.8% cash rebate on qualifying overseas spend, with no minimum spend and cap.
Annual Fee
S$ 374.5
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First Two Year Waived
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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Airport lounge
1.6% cash rebate on all qualifying local spend and 1.8% cash rebate on all qualifying overseas spend.
No minimum spend and earn cap.
1.8% cash rebate on selected green merchants and electrical vehicle charging.
0.3% cash rebate on selected insurance and education spend.
4X complimentary access to participating Plaza Premium lounges annually.
Personalised concierge services with Visa Concierge.
S$120,000 annual income
S$378 annual fee
Terms and Conditions :
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
Maybank FC Barcelona Visa Signature Card
Cashback Local
1.6 %
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Unlimited cashback, no minimum spend.
Cashback Overseas
1.6 %
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Unlimited cashback, no minimum spend.
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
Get 1.6% unlimited cashback on your local and foreign spend.
No minimum spend and no cashback cap.
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$300,000.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
ICBC Chinese Zodiac Credit Card
Cashback Local
1.6 %
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No minimum spend and no cap on cashback earned.
Cashback Overseas
1.6 %
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No minimum spend and no cap on cashback earned.
Annual Fee
S$ 150
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First Three Years Waived
Things to consider for this product:
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Overseas rebate
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No rebate cap
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No monthly spend required
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Local spending rebate
1.6% unlimited cashback on local and overseas spend with no minimum spend.
3-year annual fee waiver.
12 different card designs to choose from.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
American Express True Cashback Card
Cashback Local
1.5 %
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No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.
Cashback Overseas
1.5 %
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No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.
Annual Fee
S$ 174.4
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First Year Waived
Offer Available
Welcome Offer
Apple AirPods Gen 4 (worth S$199)
Valid until
30 July 2025
Welcome Offer
S$120 eCapitaVoucher
Valid until
30 July 2025
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Things to consider for this product:
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No rebate cap
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No monthly spend required
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Travel insurance
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Annual fee waiver
1.5% unlimited cash rebate on all spend with no minimum spend.
3% Cashback up to a spending of $5,000 for first 6 months.
Complimentary travel insurance.
Cashback credited on the same statement month.
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
Welcome Offer
Gift Options
Apple AirPods Gen 4 (worth S$199); or
S$120 eCapitaVoucher
Welcome Offer promotion runs until 30 July 2025.
Promotion is valid for new American Express credit cardmembers only.
Apply for the American Express True Cashback Credit Card through SingSaver, receive approval by 30 June 2025 and make a min. qualifying spend of S$500 within the first month of card approval to be eligible for reward.
Promotion does not stack with other Welcome Offers from AMEX.
Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.
Things to consider for this product:
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Bonus air miles
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Local spending rebate
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Overseas rebate
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Airport lounge
1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Maximum Age: No Maximum
Minimum Annual Income: S$ 120000
UOB Regal Business Metal Card
Cashback Local
1.5 %
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No minimum spend required
Cashback Overseas
2 %
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No minimum spend required
Annual Fee
S$ 686.36
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Non-waivable
Things to consider for this product:
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Airport lounge
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Dining rebate
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Overseas rebate
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Annual Fee required
Unlimited access to over 1,300 airport lounges worldwide via DragonPass.
2% cash rebate on overseas spend.
1.5% cash rebate on local card spend.
Complimentary travel accident insurance of up to US$500,000 for you and your family members.
Exclusive dining, hotel, lifestyle, and medical perks.
Accor Plus membership with exclusive benefit of stay four nights for price of three nights and auto-enrolment to Silver membership status in Le Club AccorHotels loyalty programme.
0.3% cash rebate on utilities.
S$686.36 non-waivable annual fee
By invitation only
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: By invite only
Min. Annual Income: By invite only
(Creatory Exclusive) Standard Chartered Simply Cash Credit Card
Cashback Local
1.5 %
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On all eligible spends
Cashback Overseas
1.5 %
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On all eligible spends
Annual Fee
S$ 196.2
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First Year Waived
Things to consider for this product:
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No rebate cap
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No monthly spend required
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First year annual Fee waiver
1.5% cashback for all spend, no minimum spend and no cashback cap.
Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
First year annual fee waiver.
Read our full review of the Standard Chartered SimplyCash Credit Card.
Cannot be used for EZ-Reload.
Terms and Conditions :
Installment Processing Fee : From 0.1 %
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
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Gift Options
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See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
How does a Cashback Credit Card with no Minimum Spend Work?
A Cashback Credit Card with no minimum spend requirement provides cashback on all eligible transactions without the need to reach a minimum spending amount. You can earn cashback on all qualifying purchases, making it a straightforward and hassle-free way to enjoy cashback without meeting specific spending requirements.
How to best use a Cashback Credit Card with no Minimum Spend
To make the most of a Cashback Credit Card with no Minimum Spend, follow these effective strategies.
Use it for everyday expenses Use the card for everyday purchases like groceries, dining, transportation, and online shopping. Since there's no minimum spend, every qualifying transaction earns you cashback.
Explore promotions Keep an eye out for limited-time promotions or special cashback offers. Take advantage of these opportunities to boost your cashback earnings.
Combine with other cards If you have multiple cashback cards, strategically use them for specific spending categories to maximize your overall cashback rewards.
Check for caps and exclusions Review the card's terms to understand if there are any cashback caps or excluded spending categories. Adjust your spending accordingly.
Explore partnerships Some cashback cards partner with merchants, offering higher cashback rates or exclusive deals. Take advantage of these collaborations when shopping.
Who should use a Cashback Credit Card with no Minimum Spend?
A Cashback Credit Card with no Minimum Spend is ideal for these types of users:
Regular credit card users Individuals who frequently use credit cards for everyday expenses can benefit from earning cashback on all eligible transactions, regardless of the purchase amount.
Simplicity Seekers People who prefer a straightforward rewards system without the complexity of meeting minimum spending requirements will appreciate the ease of earning rewards with no minimum spend.
Users with varied spending patterns This card suits users with varying spending habits, allowing them to earn rewards on small and significant expenses without the need to reach a specific spending threshold. Those looking to avoid interest Those who consistently pay off their credit card bill in full and on time can fully enjoy the cashback benefits without incurring interest charges.
Convenience Lovers The simplicity of a no-minimum-spend cashback card appeals to individuals who want to earn rewards effortlessly without tracking specific spending thresholds.
Things to look out for when choosing a Cashback Credit Card with no Minimum Spend
When selecting a Cashback Credit Card with no Minimum Spend, consider the following factors to maximise your rewards and benefits:
Eligible transactions Ensure the card covers a wide range of eligible transactions. Look for exclusions or restrictions on certain types of spending that may not qualify for cashback. Examples include cash advance, insurance premiums, and tax payments.
Redemption options Review the redemption methods for your earned cashback. Choose a card with convenient and flexible options, such as direct statement credits or bank deposits.
Promotional offers Check for any introductory promotions or limited-time cashback boosts. Promotional offers can provide extra benefits for a specified period, increasing your cashback potential.
Cashback caps Be aware of any cashback limits or monthly caps. Some cards may have a maximum cashback amount you can earn, which could impact your overall rewards potential.
Merchant partnerships Some cards may partner with specific merchants, offering bonus cashback or discounts for spending at these establishments.
No, not all credit cards have a minimum spend requirement. While some credit cards have minimum spending requirements that cardholders must reach to qualify for bonus rewards or benefits, some credit cards offer cashback without any minimum spending obligation.
These no-minimum-spend credit cards provide the flexibility to earn rewards on all eligible transactions, regardless of the purchase amount. Users can enjoy cashback or other benefits from the very first dollar spent, making these cards suitable for individuals with varying spending patterns and preferences.
Exploring different credit card options is essential to find one that aligns with your spending habits and rewards preferences.