In all likelihood, you got a new credit card not only for its perks, but its can’t-miss signup gift. Here’s a look at some of the best ones being offered by banks in Singapore.
Banks often use attractive welcome rewards as a means to entice consumers to snag a credit card, and also to stand out from the rest of the pack. But before you head off to sign up for the best credit card to get yourself that reward, let’s first examine when is the best time for you to get a credit card.
Table of contents
- When should you get a new credit card?
- Best miles credit card sign-up promos on SingSaver
- Best cashback credit card sign-up promos on SingSaver
SingSaver Exclusive Offer: Ready for your first credit card? 💳 Score top welcome gifts like Apple devices or Dyson favourites when you apply on SingSaver. T&Cs apply.
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You can also upgrade to a premium Apple device for less! Turn your reward into a sleek Apple tablet, headphones or laptop with a top-up starting from just S$130. Apply for select credit cards and take your pick. T&Cs apply.
When should you get a new credit card
- When you are new-to-bank
Being new to the bank is one of the main criteria to be eligible for a credit card’s sign-up reward. To be classified as a new-to-bank customer, you cannot have owned the bank’s credit card in the last 12 months. This means that fortunately, you are not limited to receiving just one sign-up bonus from the bank in your lifetime.
If you play your cards right, you can enjoy welcome gifts from the same bank every few years. If you are an existing customer, you will not be eligible for most of the bank’s welcome promotions. You can instead consider applying for credit cards from other banks to make the most of sign-up promotions.
- When you have a big spending coming up
Most credit card welcome bonuses require minimum spending within the first three to six months. It often ranges between S$500 to S$6,000.
If you know you have a big-ticket purchase coming up, such as home furniture, wedding expenses or multiple travel bookings, you can consider getting a new credit card beforehand. This allows you to hit the spending requirement with ease. From Apple Airpods to ErgoTune Chairs, keep your eyes peeled for SingSaver's slew of credit card welcome bonus rewards.
Check out our list of cards eligible for this promotion here.
Read more:
How to Maximise the Miles Earned on Big Ticket Spending
Money Confessions: We Blew Our Wedding Budget By S$30,000
Cost Guide to Weddings in Singapore
Best Credit Card Sign-up Promos in Singapore 2024
Credit card preferences also differ based on lifestyles. Some prefer to chase miles, while others might opt for monetary returns in the form of cashback. Here are the credit card welcome offers currently available.
Miles Credit Cards
For the globetrotters, having a miles card (or a wallet full of miles cards) is a given. Earning miles on all your spending can go towards paying for your next travel (whenever that will be). You can even earn yourself a luxurious experience by flying first class with your miles.
Here are the miles card for you to consider to help you get a headstart on your miles journey.
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Credit Card
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Welcome Offer
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Key highlights of card
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American Express Singapore Airlines KrisFlyer Ascend Credit Card
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1.1 mpd on local spend
3.1 mpd on Grab (capped at S$200 every month)
12,000 Bonus KrisFlyer miles or S$150 Statement Credit upon upgrade to KrisFlyer Ascend Credit Card
Receive S$80 Statement Credit when you successfully refer a friend
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📱Score a Super Smartphone Upgrade📱: Be the first eligible applicant at 3PM and 9PM to apply for Citi Credit Cards to score a reward upgrade to the latest smartphone worth over S$1,800! Valid till 28 September 2026. T&Cs apply.
💰Citi Credit Card + Banking Bundle Offer💰: Score upsized S$500 Cash via PayNow in place of exisiting rewards when you apply for a Citi Credit Card, make a minimum spend of S$500 and hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi PremierMiles Card: Receive S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle (worth S$660), 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait™ straightener (worth S$799), or Dyson V8 Cyclone Vacuum Cleaner (worth S$559) upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid till 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
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1.2 mpd on local spend
Earn 7 miles per S$1 on Agoda
Earn 10 miles per S$1 on Kaligo
Two complimentary visits every year to airport lounges worldwide
Citi Miles never expire
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📱Score a Super Smartphone Upgrade📱: Be the first eligible applicant at 3PM and 9PM to apply for Citi Credit Cards to score a reward upgrade to the latest smartphone worth over S$1,800! Valid till 28 September 2026. T&Cs apply.
💰Citi Credit Card + Banking Bundle Offer💰: Score upsized S$500 Cash via PayNow in place of exisiting rewards when you apply for a Citi Credit Card, make a minimum spend of S$500 and hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card: Receive S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle (worth S$660), 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait™ straightener (worth S$799), or Dyson V8 Cyclone Vacuum Cleaner (worth S$559) upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid till 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
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Earn 10X Rewards Points (4 mpd) on:
- Online and retail purchases
- Rides with Grab, Gojek etc.
- Online food delivery
- Online groceries
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a DBS Altitude Credit Card: Enjoy S$288 Cash, S$310 Grab Voucher, 18,000 HeyMax Miles (worth S$324), Morning Mini Bundle + 20 Capsules Bundle (worth S$425), or Samsonite STRAREN Spinner 67/24 (worth S$600) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$150. Valid till 30 September 2026. T&Cs apply.
Welcome Offer: Get up to S$200 cashback on Cashline when you select “Cashline” in your application on the DBS/POSB website (except foreigners) and have a minimum S$188 closing balance accumulated for Cashline withdrawals in the first two statement months upon account opening. Valid till 30 September 2026. T&Cs apply. |
1.2 mpd on local spend
2 mpd on overseas spend
3 mpd on online flight and hotel transactions
8mpd on flight and accommodation transactions at Expedia
10mpd on hotel transactions at Kaligo
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10X Reward points (4 mpd) on contactless payments and online purchases
1 Reward point (0.4mpd) for all other spends
Enjoy complimentary ENTERTAINER with HSBC access
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HSBC Visa Platinum Card
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5% cash rebate on family spend, including dining, groceries, and petrol
1 Reward Point per S$1 on all spend
Extra 1% cashback if you hold an HSBC Everyday Global Account and qualify for HSBC Everyday+
Enjoy complimentary ENTERTAINER with HSBC access
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Earn 2 Membership Rewards Points for every $1.60 spent
Up to 50% off your food bill at over 50 restaurants
Receive S$120 statement credit when you successfully refer a friend
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Standard Chartered Journey Card
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card: Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply. |
1.2 mpd on local spend
2 mpd on foreign spend
3 mpd on selected online transactions for transportation, grocery, and food delivery merchants (capped at S$1,000 per statement month)
2 complimentary Priority Pass lounge visits per year
360° Points never expire
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DBS Woman's Card
 DBS Woman's World Card 
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SingSaver Exclusive Offer: Get rewarded when you apply for select DBS/POSB Credit Cards via SingSaver! Enjoy S$288 Cash, S$310 Grab Voucher, 18,000 HeyMax Miles (worth S$324), Morning Mini Bundle + 20 Capsules Bundle (worth S$425), or Samsonite STRAREN Spinner 67/24 (worth S$600) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$150. Valid till 30 September 2026. T&Cs apply.
Welcome Offer: Get up to S$200 cashback on Cashline when you select “Cashline” in your application on the DBS/POSB website (except foreigners) and have a minimum S$188 closing balance accumulated for Cashline withdrawals in the first two statement months upon account opening. Valid till 30 September 2026. T&Cs apply. |
e-Commerce protection on all online purchases
Extra 5% cashback on overseas shopping and dining
DBS Woman's Card
2 mpd on online spend
0.4 mpd on all other spend
2 mpd rate capped at S$1,000 spend per month
DBS Woman's World Card
4 mpd on online spend
1.2 mpd on overseas spend
0.4 mpd on all other spend
4 mpd rate capped at S$1,500 spend per month
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UOB PRVI Miles AMEX Card
 UOB PRVI Miles Visa Card 
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SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver! Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply. UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
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1.4 mpd on local spend
2.4 mpd on overseas spend (including online shopping on overseas website)
6 mpd on major airlines, hotel bookings on Agoda, Expedia, and UOB Travel
1 mpd on monthly bills, rent, taxes, and one-time big-ticket purchases (with UOB PRVI Miles Payment Facility)
Up to S$500,000 complimentary travel insurance coverage
UOB AMEX only: 2 complimentary airport transfers per quarter ✈️🌍 with min. S$1,000 overseas spend within same quarter
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UOB Lady's Card
 UOB Lady's Solitaire Card 
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SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver! Get S$400 cash via PayNow or Dyson Airstrait (worth S$799) when you are one of the first 3 eligible applicants at 2pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 31 August 2026. T&Cs apply. UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 31 August 2026. T&Cs apply. |
UOB Lady's Card
6 mpd on preferred category (Beauty & Wellness, Fashion, Dining, Family, Travel, Transport, Entertainment)
0.4 mpd on all other spend
e-Commerce protection on purchases
UOB Lady's Solitaire Card
6 mpd on two preferred categories (Refer to above)
0.4 mpd on all other spend
Up to S$100,000 complimentary travel insurance coverage
e-Commerce protection on purchases
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If you have plans to spend close to S$5,000 over the next few months, you can consider the American Express cards. However, if you aren't a big spender, you can instead consider the KrisFlyer UOB or the Citi Rewards card.
Cashback Credit Cards
The most generous welcome gifts tend to be offered for miles cards, in the form of miles or reward points. However, if you prefer receiving cashback or cash rebate to go towards offsetting your credit card bills and the such, here are a few that do offer welcome gifts.
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Credit Card
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Welcome Offer
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Key highlights of card
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DBS Live Fresh Card
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a POSB Everyday Card: Enjoy S$288 Cash, S$310 Grab Voucher, 18,000 HeyMax Miles (worth S$324), Morning Mini Bundle + 20 Capsules Bundle (worth S$425), or Samsonite STRAREN Spinner 67/24 (worth S$600) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$150. Valid till 30 September 2026. T&Cs apply.
Welcome Offer: Get up to S$200 cashback on Cashline when you select “Cashline” in your application on the DBS/POSB website (except foreigners) and have a minimum S$188 closing balance accumulated for Cashline withdrawals in the first two statement months upon account opening. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a DBS Live Fresh Card: Enjoy S$288 Cash, S$310 Grab Voucher, 18,000 HeyMax Miles (worth S$324), Morning Mini Bundle + 20 Capsules Bundle (worth S$425), or Samsonite STRAREN Spinner 67/24 (worth S$600) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$150. Valid till 30 September 2026. T&Cs apply.
Welcome Offer: Get up to S$200 cashback on Cashline when you select “Cashline” in your application on the DBS/POSB website (except foreigners) and have a minimum S$188 closing balance accumulated for Cashline withdrawals in the first two statement months upon account opening. Valid till 30 September 2026. T&Cs apply. |
Up to 6% cashback on local and overseas shopping spend and transport spend
0.3% unlimited cashback on all other spend
Min. S$800 monthly spend, capped at S$70 cashback:
- S$50 on shopping spend
- S$20 on transport spend
No cashback cap on all other spend
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a POSB Everyday Card: Enjoy S$288 Cash, S$310 Grab Voucher, 18,000 HeyMax Miles (worth S$324), Morning Mini Bundle + 20 Capsules Bundle (worth S$425), or Samsonite STRAREN Spinner 67/24 (worth S$600) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$150. Valid till 30 September 2026. T&Cs apply.
Welcome Offer: Get up to S$200 cashback on Cashline when you select “Cashline” in your application on the DBS/POSB website (except foreigners) and have a minimum S$188 closing balance accumulated for Cashline withdrawals in the first two statement months upon account opening. Valid till 30 September 2026. T&Cs apply. |
No min. spend
5% cash rebates on Sheng Siong groceries, utility bills, and public transport via SimplyGO
3% cash rebates at Watsons, Pet Lovers Centre
0.3% cash rebates on all other spend
10% cash rebates on food delivery
3% cash rebates on dining
5% cash rebates on online shopping
8% cash rebates at POPULAR physical and online stores
3% cash rebates on phone bills
Bonus: Up to 20.1% fuel savings at SPC and extra 2% fuel savings at SPC
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Min. S$800 monthly spend, capped at S$80 cashback per month
6% cashback on food delivery & dining, and all petrol
3% cashback on groceries, private hire rides, utility bills, online travel transactions
0.3% cashback on all other spend
Bonus: Up to 22.92% fuel savings at Caltex, and up to 21.04% fuel savings at Esso
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HSBC Visa Platinum Card
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5% cash rebate on family spend, including dining, groceries, and petrol
1 Reward Point per S$1 on all spend
Extra 1% cashback if you hold an HSBC Everyday Global Account and qualify for HSBC Everyday+
Enjoy complimentary ENTERTAINER with HSBC access
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📱Score a Super Smartphone Upgrade📱: Be the first eligible applicant at 3PM and 9PM to apply for Citi Credit Cards to score a reward upgrade to the latest smartphone worth over S$1,800! Valid till 28 September 2026. T&Cs apply.
💰Citi Credit Card + Banking Bundle Offer💰: Score upsized S$500 Cash via PayNow in place of exisiting rewards when you apply for a Citi Credit Card, make a minimum spend of S$500 and hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi Cashback+ Card: Receive S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle (worth S$660), 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait™ straightener (worth S$799), or Dyson V8 Cyclone Vacuum Cleaner (worth S$559) upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid till 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
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1.6% cashback on all spend
No min. spend required, no cap
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SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC Advance Credit Card. Get S$450 Upsized Cash, Dyson Airstrait (worth S$799), Dyson V8 Cyclone cordless vacuum (worth S$559), 28,000 Max Miles by HeyMax (worth S$504), or an ECOVACS DEEBOT MINI 2 (worth S$499) upon activating and spending min. S$500 by end of the following calendar month from the card account opening date. Valid until 30 September 2026. T&Cs apply. Or, upgrade your rewards when you top up as low as S$50. Valid till 30 September 2026. T&Cs apply.
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1.5% cashback on all purchases (if you spend S$2,000 or less)
Up to 2.5% cashback (if you spend more than S$2,000)
1% bonus cashback if you're an HSBC Everyday Global Account holder and meet the monthly criteria
Enjoy ENTERTAINER with HSBC perks
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8% cashback on foreign currency, online, and mobile contactless spend
Extra 2% cashback on select eco-friendly merchants
You can read our review of the OCBC FRANK's revamp here
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The American Express True Cashback, Citi Cash Back+, and HSBC Advance cards have competitive offers but act fast because these all end later in the month. The cards' cashback rates are nothing to scoff at either and might prove to be more valuable than air miles in this environment.
Read more:
Credit Card Comparison: AMEX True Cashback vs Citi Cash Back+ vs SCB SimplyCash
Best Unlimited Cashback Cards in Singapore
Best HSBC Credit Card Promos: HSBC Revolution vs HSBC Advance vs HSBC Visa Platinum Comparison Review
Exclusive SingSaver promotions
On top of these welcome gifts, SingSaver also offers exclusive promotions from time to time. You can earn yourself items such as wireless earbuds, Grab vouchers or cash via PayNow. Check out the current promotions available for the different banks below.
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