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Best Unlimited Cashback Credit Cards in Singapore 2024

Say goodbye to tedious cashback categories and caps, as these unlimited cashback cards will allow you to earn rebates on all your purchases. Whether you’re dining out, shopping, or planning your wedding, these unlimited cashback credit cards provide unmatched flexibility and convenience with no minimum spend or cap.

Maybank DUO Platinum Mastercard

Cashback Local

5 %

info

Cashback rate on petrol transactions in Singapore and Malaysia.

Cashback Overseas

1.5 %

info

No minimum spend and no cap.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 130.8

info

First Three Years Waived

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

Maybank DUO Platinum Mastercard

Cashback Local

5 %

info

Cashback rate on petrol transactions in Singapore and Malaysia.

Cashback Overseas

1.5 %

info

No minimum spend and no cap.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 130.8

info

First Three Years Waived

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

Maybank XL Cashback Card

Cashback Local

5 %

info

5% cashback (10X TREATS Points) on eligible spend categories (Dine, Shop, Travel, Play) with min. S$500 spend per calendar month. Bonus cashback capped at S$80. Base rate 0.2%.

Cashback Overseas

5 %

info

5% cashback (10X TREATS Points) on foreign currency spend overseas with min. S$500 spend per calendar month. Bonus cashback capped at S$80. Base rate 0.2%.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 87.2

info

First 2 Years Waived; Subsequent annual fee will be automatically waived with a minimum spend of S$6,000 yearly.

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

S$380 Cash via PayNow

Valid until

03 May 2026

SingSaver Exclusive Offer

22,000 Max Miles by HeyMax (worth S$396)

Valid until

03 May 2026

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799)

Valid until

03 May 2026

SingSaver Exclusive Offer

Samsung Galaxy Buds4 Pro + S$150 eCapitaVoucher (total worth S$499)

Valid until

03 May 2026

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$60)

Valid until

03 May 2026

SingSaver Exclusive Offer

Dyson Airwrap™ multi-styler and dryer (worth S$799) (top up S$100)

Valid until

03 May 2026

SingSaver Exclusive Offer

Nintendo Switch 2 (worth S$719) (Top up S$300)

Valid until

03 May 2026

SingSaver Exclusive Offer

Apple MacBook Neo 256GB w/ Magic Keyboard (worth S$849, top up S$450)

Valid until

03 May 2026

SingSaver Exclusive Offer

Apple iPad Air (M4) 11" 128GB WiFi (worth S$899) (Top up S$500)

Valid until

03 May 2026

SingSaver Exclusive Offer

Apple Watch Ultra 3 Titanium 49mm GPS+Cellular (worth S$1,199, top up S$800)

Valid until

03 May 2026

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Gift Options

S$380 Cash via PayNow; or
22,000 Max Miles by HeyMax (worth S$396); or
Dyson Airstrait™ straightener (worth S$799); or
Samsung Galaxy Buds4 Pro + S$150 eCapitaVoucher (total worth S$499); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$60); or
Dyson Airwrap™ multi-styler and dryer (worth S$799) (top up S$100); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Apple MacBook Neo 256GB w/ Magic Keyboard (worth S$849, top up S$450); or
Apple iPad Air (M4) 11" 128GB WiFi (worth S$899) (Top up S$500); or
Apple Watch Ultra 3 Titanium 49mm GPS+Cellular (worth S$1,199, top up S$800)

(Dobin Exclusive) Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(CapitaStar Exclusive) Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Creatory Exclusive) Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Heymax Exclusive) Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

13,600 Max Miles by Heymax

Valid until

30 June 2026

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$80)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50)

Valid until

31 August 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80)

Valid until

31 August 2025

SingSaver Exclusive Offer

Nintendo Switch 2 (worth S$719) (Top up S$300)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airwrap™ Origin multi-styler and dryer (worth S$549)

Valid until

31 August 2025

SingSaver Exclusive Offer

Xiaomi Robot Vacuum X20 Pro (worth S$579)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$410 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$370 Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

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
Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549); or
Xiaomi Robot Vacuum X20 Pro (worth S$579); or
S$410 Grab Vouchers; or
S$370 Cash via PayNow

(CapitaStar Exclusive) Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Dobin Exclusive) Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Creatory Exclusive) Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Heymax Exclusive) Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

13,600 Max Miles

Valid until

30 September 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100)

+ 8 other gift options

Valid until

31 August 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

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
Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549); or
Xiaomi Robot Vacuum X20 Pro (worth S$579); or
S$410 Grab Vouchers; or
S$370 Cash via PayNow

Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Citi Cash Back+ Card

Cashback Local

Up to 3.25 %

info

3.25% FX spend on select countries (valid until 28 Feb 2025). Base rate 1.6%.

Cashback Overseas

1.6 %

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Maybank Manchester United Platinum Visa Credit Card

Cashback Local

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.

Cashback Overseas

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.

Minimum Annual Income

S$ 30,000

info

S$30,000 (Singaporean & PR) S$45,000 (Malaysian Citizen) S$60,000 (Foreigner).

Annual Fee

S$ 87.2

info

First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Travel insurance

Maybank Manchester United Platinum Visa Credit Card

Cashback Local

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.

Cashback Overseas

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.

Minimum Annual Income

S$ 30,000

info

S$30,000 (Singaporean & PR) S$45,000 (Malaysian Citizen) S$60,000 (Foreigner).

Annual Fee

S$ 87.2

info

First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Travel insurance

(Dobin Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local

2 %

info

On all eligible spends

Cashback Overseas

2 %

info

On all eligible spends

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Dobin Exclusive Offer

1,350 Dobin$

Valid until

30 June 2026

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

CIMB World Mastercard

Cashback Local

2 %

info

2% cashback on dining, entertainment, luxury goods and taxi with $1,000 min. spend posted in the same statement month. No cap.

Cashback Overseas

Up to 3 %

info

For a limited time, earn 3% on overseas foreign currency spend (valid till 31 Jan 2025). Base rate 1%.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

2 Offers Available

SingSaver Exclusive Offer

50CASH S$50 Cash via PayNow

Valid until

03 May 2026

Welcome Offer

Up to S$188 Cashback

Valid until

03 May 2026

Things to consider for this product:

check

No rebate cap

check

Food delivery

check

Annual Fee waiver

remove

Monthly spend required

CIMB Visa Infinite Card

Cashback Local

Unlimited 2 %

Cashback Overseas

Unlimited 3 %

info

For a limited time, earn 3% on overseas foreign currency spend (valid till 31 Jan 2025). 2% cashback on overseas and travel related spend. Charge a minimum of S$2,000 in month. No cashback cap.

Minimum Annual Income

S$ 120,000

Annual Fee

No Annual Fee

2 Offers Available

SingSaver Exclusive Offer

50CASH S$50 Cash via PayNow

Valid until

03 May 2026

Welcome Offer

Up to S$188 Cashback

Valid until

03 May 2026

Things to consider for this product:

check

No rebate cap

check

Airport lounge

check

Travel insurance

check

Annual Fee waiver

CIMB Visa Infinite Card

Cashback Local

Unlimited 2 %

Cashback Overseas

Unlimited 3 %

info

For a limited time, earn 3% on overseas foreign currency spend (valid till 31 Jan 2025). 2% cashback on overseas and travel related spend. Charge a minimum of S$2,000 in month. No cashback cap.

Minimum Annual Income

S$ 120,000

Annual Fee

No Annual Fee

2 Offers Available

SingSaver Exclusive Offer

50CASH+AIRTAG S$50 Cash via PayNow + Apple AirTag (total worth S$95)

Valid until

30 November 2025

Welcome Offer

Up to S$188 Cashback

Valid until

31 December 2025

Things to consider for this product:

check

No rebate cap

check

Airport lounge

check

Travel insurance

check

Annual Fee waiver

CIMB World Mastercard

Cashback Local

2 %

info

2% cashback on dining, entertainment, luxury goods and taxi with $1,000 min. spend posted in the same statement month. No cap.

Cashback Overseas

Up to 3 %

info

For a limited time, earn 3% on overseas foreign currency spend (valid till 31 Jan 2025). Base rate 1%.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

2 Offers Available

SingSaver Exclusive Offer

50CASH+AIRTAG S$50 Cash via PayNow + Apple AirTag (total worth S$95)

Valid until

30 November 2025

Welcome Offer

Up to S$188 Cashback

Valid until

31 December 2025

Things to consider for this product:

check

No rebate cap

check

Food delivery

check

Annual Fee waiver

remove

Monthly spend required

(Heymax Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local

2 %

info

On all eligible spends

Cashback Overseas

2 %

info

On all eligible spends

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

8,000 Max Miles by HeyMax (worth S$144)

Valid until

30 June 2026

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

(Dobin Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local

2 %

info

On all eligible spends

Cashback Overseas

2 %

info

On all eligible spends

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Dobin Exclusive Offer

2,250 Dobin$

Valid until

30 September 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

(Heymax Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local

2 %

info

On all eligible spends

Cashback Overseas

2 %

info

On all eligible spends

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

10,000 Max Miles

Valid until

01 October 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

Standard Chartered Simply Cash Credit Card

Cashback Local

2 %

info

Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.

Cashback Overseas

2 %

info

Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)

Valid until

31 August 2025

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$599) (Top up S$50)

Valid until

31 August 2025

SingSaver Exclusive Offer

S$370 Grab Vouchers

Valid until

31 August 2025

SingSaver Exclusive Offer

S$350 Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

check

2% Upsized Cashback (Limited Time Only)

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

CIMB World Mastercard

Cashback Local

2 %

info

2% cashback on dining, entertainment, luxury goods and taxi with $1,000 min. spend posted in the same statement month. No cap.

Cashback Overseas

Up to 3 %

info

For a limited time, earn 3% on overseas foreign currency spend (valid till 31 Jan 2025). Base rate 1%.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

2 Offers Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

31 August 2025

Welcome Offer

Up to S$188 Cashback

Valid until

31 August 2025

Things to consider for this product:

check

No rebate cap

check

Food delivery

check

Annual Fee waiver

remove

Monthly spend required

CIMB Visa Infinite Card

Cashback Local

Unlimited 2 %

Cashback Overseas

Unlimited 3 %

info

For a limited time, earn 3% on overseas foreign currency spend (valid till 31 Jan 2025). 2% cashback on overseas and travel related spend. Charge a minimum of S$2,000 in month. No cashback cap.

Minimum Annual Income

S$ 120,000

Annual Fee

No Annual Fee

2 Offers Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

31 August 2025

Welcome Offer

Up to S$188 Cashback

Valid until

31 August 2025

Things to consider for this product:

check

No rebate cap

check

Airport lounge

check

Travel insurance

check

Annual Fee waiver

(Fast Track Reward) Standard Chartered Simply Cash Credit Card

Cashback Local

2 %

info

Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.

Cashback Overseas

2 %

info

Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Fast Track Reward

[Fast Track Eligible] S$300 Shopee Voucher

Valid until

29 August 2025

Things to consider for this product:

check

2% Upsized Cashback (Limited Time Only)

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

Standard Chartered Simply Cash Credit Card

Cashback Local

2 %

info

1.5% unlimited cashback with no min. spend.

Cashback Overseas

2 %

info

1.5% unlimited cashback with no min. spend.

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

1.5% unlimited cashback

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

UOB Absolute Cashback Card

Cashback Local

Up to 1.7 %

Cashback Overseas

Up to 1.7 %

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Flash Deal

S$500 Cash via PayNow

Valid until

15 April 2026

SingSaver Flash Deal

Dyson Airstrait™ straightener (worth S$799)

Valid until

15 April 2026

SingSaver Flash Deal

S$90 Cash via PayNow

Valid until

15 April 2026

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

UOB Absolute Cashback Card

Cashback Local

Up to 1.7 %

Cashback Overseas

Up to 1.7 %

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Flash Deal

IP17 Apple iPhone 17 256GB (worth S$1,299)

Valid until

30 November 2025

SingSaver Flash Deal

60CASH S$60 Cash via PayNow

Valid until

30 November 2025

SingSaver Flash Deal

S$100 eCapitaVoucher

Valid until

30 November 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

UOB Absolute Cashback Card

Cashback Local

Up to 1.7 %

Cashback Overseas

Up to 1.7 %

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

SingSaver Flash Deal

Apple AirPods Pro 2nd Gen (worth S$349)

Valid until

31 August 2025

SingSaver Flash Deal

Samsonite Straren Spinner 67/24 (worth S$600)

Valid until

31 August 2025

SingSaver Flash Deal

S$300 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$60 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$70 Grab Voucher

Valid until

31 August 2025

Welcome Offer

10% Cashback

Valid until

31 August 2025

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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Insurance rebate

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Local spending rebate

Gift Options

Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow

Gift Options

S$60 Cash via PayNow; or
S$70 Grab Voucher

Gift Options

10% Cashback

ICBC Chinese Zodiac Credit Card

Cashback Local

1.6 %

info

No minimum spend and no cap on cashback earned.

Cashback Overseas

1.6 %

info

No minimum spend and no cap on cashback earned.

Min. Annual Income

S$ 30,000

Annual Fee

S$ 150

info

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

Maybank FC Barcelona Visa Signature Card

Cashback Local

1.6 %

info

Unlimited cashback, no minimum spend.

Cashback Overseas

1.6 %

info

Unlimited cashback, no minimum spend.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 130.8

info

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

Maybank FC Barcelona Visa Signature Card

Cashback Local

1.6 %

info

Unlimited cashback, no minimum spend.

Cashback Overseas

1.6 %

info

Unlimited cashback, no minimum spend.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 130.8

info

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

check

Overseas rebate

ICBC Chinese Zodiac Credit Card

Cashback Local

1.6 %

info

No minimum spend and no cap on cashback earned.

Cashback Overseas

1.6 %

info

No minimum spend and no cap on cashback earned.

Min. Annual Income

S$ 30,000

Annual Fee

S$ 150

info

First Three Years Waived

Things to consider for this product:

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Overseas rebate

check

No rebate cap

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No monthly spend required

check

Local spending rebate

Maybank FC Barcelona Visa Signature Card

Cashback Local

1.6 %

info

Unlimited cashback, no minimum spend.

Cashback Overseas

1.6 %

info

Unlimited cashback, no minimum spend.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 130.8

info

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

American Express True Cashback Card

Cashback Local

1.5 %

info

No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

Cashback Overseas

1.5 %

info

No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

Minimum Annual Income

Conditional

info

Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Annual Fee

S$ 174.4

info

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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Travel insurance

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Annual fee waiver

Standard Chartered Simply Cash Credit Card

Cashback Local

1.5 %

info

1.5% unlimited cashback with no min. spend.

Cashback Overseas

1.5 %

info

1.5% unlimited cashback with no min. spend.

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer: rewards applicable on applying for 2 products

S$350 Cash via PayNow

Valid until

03 May 2026

SingSaver Exclusive Offer: rewards applicable on applying for 2 products

S$370 Grab Vouchers

Valid until

03 May 2026

SingSaver Exclusive Offer: rewards applicable on applying for 2 products

Samsung Galaxy Buds4 Pro + S$100 eCapitaVoucher (total worth S$449)

Valid until

03 May 2026

SingSaver Exclusive Offer: rewards applicable on applying for 2 products

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

03 May 2026

SingSaver Exclusive Offer: rewards applicable on applying for 2 products

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$120)

Valid until

03 May 2026

SingSaver Exclusive Offer: rewards applicable on applying for 2 products

Apple MacBook Neo 256GB w/ Magic Keyboard (worth S$849, top up S$450)

Valid until

03 May 2026

SingSaver Exclusive Offer: rewards applicable on applying for 2 products

Apple iPad Air (M4) 11" 128GB WiFi (worth S$899) (Top up S$500)

Valid until

03 May 2026

SingSaver Exclusive Offer: rewards applicable on applying for 2 products

Apple Watch Ultra 3 Titanium 49mm GPS+Cellular (worth S$1,199, top up S$840)

Valid until

03 May 2026

Things to consider for this product:

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1.5% unlimited cashback

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No rebate cap

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No monthly spend required

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First year annual Fee waiver

Gift Options

S$350 Cash via PayNow; or
S$370 Grab Vouchers; or
Samsung Galaxy Buds4 Pro + S$100 eCapitaVoucher (total worth S$449); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$100); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$120); or
Apple MacBook Neo 256GB w/ Magic Keyboard (worth S$849, top up S$450); or
Apple iPad Air (M4) 11" 128GB WiFi (worth S$899) (Top up S$500); or
Apple Watch Ultra 3 Titanium 49mm GPS+Cellular (worth S$1,199, top up S$840)

DBS Vantage Visa Infinite Card

Cashback Local

1.5 %

info

S$1 local spend = 1.5% cashback

Cashback Overseas

2.2 %

info

S$1 overseas spend = 2.2% cashback

Minimum Annual Income

S$ 120,000

Annual Fee

S$ 599.5

info

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).

(Creatory Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local

1.5 %

info

On all eligible spends

Cashback Overseas

1.5 %

info

On all eligible spends

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

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No rebate cap

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No monthly spend required

check

First year annual Fee waiver

(Creatory Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local

1.5 %

info

On all eligible spends

Cashback Overseas

1.5 %

info

On all eligible spends

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

DBS Vantage Visa Infinite Card

Cashback Local

1.5 %

info

S$1 local spend = 1.5% cashback

Cashback Overseas

2.2 %

info

S$1 overseas spend = 2.2% cashback

Minimum Annual Income

S$ 120,000

Annual Fee

S$ 599.5

info

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:

check

Bonus air miles

check

Local spending rebate

check

Overseas rebate

check

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).

American Express True Cashback Card

Cashback Local

1.5 %

info

No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

Cashback Overseas

1.5 %

info

No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.

Minimum Annual Income

Conditional

info

Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Annual Fee

S$ 174.4

info

First Year Waived

Offer Available

Welcome Offer

S$160 eCapitaVoucher

Valid until

28 August 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Travel insurance

check

Annual fee waiver

Standard Chartered Simply Cash Credit Card

Cashback Local

1.5 %

Cashback Overseas

1.5 %

info

1.5% unlimited cashback with no min. spend and no cashback cap.

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

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1.5% unlimited cashback

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No rebate cap

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No monthly spend required

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First year annual Fee waiver

(Fast Track Reward) Standard Chartered Simply Cash Credit Card

Cashback Local

1.5 %

info

1.5% unlimited cashback with no min. spend.

Cashback Overseas

1.5 %

info

1.5% unlimited cashback with no min. spend.

Minimum Annual Income

S$ 30,000

info

Singaporeans and PRs: S$30,000. Foreigners: S$90,000.

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

1.5% unlimited cashback

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No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

(Creatory Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local

1.5 %

info

On all eligible spends

Cashback Overseas

1.5 %

info

On all eligible spends

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

DBS Vantage Visa Infinite Card

Cashback Local

1.5 %

info

S$1 local spend = 1.5% cashback

Cashback Overseas

2.2 %

info

S$1 overseas spend = 2.2% cashback

Minimum Annual Income

S$ 120,000

Annual Fee

S$ 599.5

info

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:

check

Bonus air miles

check

Local spending rebate

check

Overseas rebate

check

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).

Maybank XL Rewards Card

Cashback Overseas

4 miles / dollar

info

4 miles per dollar (10X TREATS Points) on foreign currency spend (overseas & online) with min. S$500 spend per calendar month. Capped at 10,000 bonus TREATS Points monthly (~4,000 miles). Base rate 0.4 mpd.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 87.2

info

First 2 Years Waived; Subsequent annual fee will be automatically waived with a minimum spend of S$6,000 yearly.

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

How does an Unlimited Cashback Credit Card Work?

An unlimited cashback credit card provides cashback on purchases without minimum spending or cap. Unlike other cashback cards that may have maximum cashback amounts or specific spending categories, these unlimited cashback credit cards allow you to earn cashback on all eligible transactions without any restrictions.

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How to best use an Unlimited Cashback Credit Card?

To make the most out of an Unlimited Cashback Credit Card and maximise your rewards, consider the following:

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Who should use an Unlimited Cashback Credit Card?

The unlimited cashback credit card is an excellent option for individuals seeking simplicity and flexibility in their rewards. It is well-suited for the following types of people:

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Things to look out for when choosing an Unlimited Cashback Credit Card

When selecting an unlimited cashback credit card, it's essential to consider several factors to ensure it aligns with your financial needs and goals. Here are some crucial things to look out for.

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Are unlimited credit cards actually unlimited?

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Despite the term "unlimited," unlimited credit cards have certain limitations. They offer cashback on all eligible transactions without spending categories or caps. However, not all transactions may qualify, and there might be restrictions on certain purchases, and other terms. Reviewing the card's terms and conditions to understand its limitations entirely is crucial.

What is the difference between a regular cashback card and an unlimited cashback card?

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The main difference between regular and unlimited cashback cards is the spending requirements and cashback cap.
You must typically meet a minimum spend requirement for a regular cashback credit card to unlock the maximum cashback rate. For example, you may be required to spend at least S$800 a month to earn 8% cashback on dining transactions. Failure to meet the minimum spend will result in a flat cashback rate (0.25%). Plus, there is usually a cashback cap in place. For example, a regular cashback credit card may have a monthly cap of S$100. This means the highest cashback amount you can earn is S$100, regardless of how much you spend.

As for an unlimited cashback credit card, you typically earn a flat cashback rate (from 1% to 1.7%) regardless of how much you spend. Although the cashback rate is much lower than a regular cashback credit card, there is no cashback cap. This means that is no limit to how much you can earn from your purchases, which is why an unlimited cashback credit card is perfect for big-ticket purchases.

Best Unlimited Cashback Credit Cards in Singapore 2024

Maybank DUO Platinum Mastercard

Things to consider for this product:

Quick Facts

Maybank DUO Platinum Mastercard

Things to consider for this product:

Quick Facts

Maybank XL Cashback Card

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

Offer Available

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

(CapitaStar Exclusive) Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

(Creatory Exclusive) Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

(Heymax Exclusive) Citi Cash Back+ Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

Offer Available

Things to consider for this product:

Quick Facts

(CapitaStar Exclusive) Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

(Creatory Exclusive) Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

(Heymax Exclusive) Citi Cash Back+ Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

Things to consider for this product:

Quick Facts

Maybank Manchester United Platinum Visa Credit Card

Things to consider for this product:

Quick Facts

Maybank Manchester United Platinum Visa Credit Card

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Standard Chartered Simply Cash Credit Card

Offer Available

Things to consider for this product:

Quick Facts

CIMB World Mastercard

2 Offers Available

Things to consider for this product:

Quick Facts

CIMB Visa Infinite Card

2 Offers Available

Things to consider for this product:

Quick Facts

CIMB Visa Infinite Card

2 Offers Available

Things to consider for this product:

Quick Facts

CIMB World Mastercard