High Cash Back Cards All Cash Back Cards No Minimum Spend Required Unlimited Cash Back Go to: Overseas

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Best High Cashback Credit Cards in Singapore 2024

Uncover the top options for high cashback credit cards in Singapore and maximize your savings!

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High Cash Back Cards All Cash Back Cards No Minimum Spend Required Unlimited Cash Back Go to: Overseas

DBS yuu Visa Card

Cashback Local

Up to 18 %

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36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.

Cashback Overseas

0.5 %

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1x yuu Point per S$1

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

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Supermarket rebate

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Dining rebate

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Rebate cap applied

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Monthly spend required

DBS yuu American Express Card

Cashback Local

Up to 18 %

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36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.

Cashback Overseas

0.5 %

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1x yuu Point per S$1

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

Welcome Offer

S$388 cashback

Valid until

31 May 2024

Welcome Offer

S$60 cashback

Valid until

31 May 2024

Things to consider for this product:

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Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

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Monthly spend required

UOB One Card

Cashback Local

10 %

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Up to 10% cashback on eligible spend.

Cashback Overseas

0.03 %

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No minimum spend required.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

S$350 cash credit

Valid until

31 May 2024

Things to consider for this product:

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Supermarket rebate

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Grab/taxi rebate

remove

Monthly spend required

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Rebate cap applied

POSB Everyday Card

Cashback Local

Up to 10 %

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On daily essentials. Minimum spend of S$800 required.

Cashback Overseas

0.3 %

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No minimum spend or capped. Cashback awarded in Daily$.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

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Food delivery

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Online shopping rebate

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Rebate cap applied

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Monthly spend required

Earn 10% cash rebates on food delivery via foodpanda, Deliveroo and WhyQ.
3% cash rebate granted for dining spend (excluding fast food spend).
Enjoy 8% cash rebates on Shopee, Lazada, Amazon.sg, Qoo10, RedMart, iHerb, Taobao and Popular Online Store.
Get 5% cash rebates at Sheng Siong supermarkets.
Up to 3% cash rebates on your utilities and telecommunication payments.
Earn 6% cash rebates at SPC and 0.3% cash rebates at Watson.
0.3% cash rebates on all other transactions.
Cash rebates never expire.
Read our full review of the POSB Everyday Card.
Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
S$15 monthly cash rebate cap for dining and online spending categories respectively.
S$30 monthly cash rebate cap for groceries.

CIMB Visa Signature Card

Cashback Local

10 %

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With minimum spending of S$600. On Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Veterinary Services and Cruises only. Capped at $100 per statement month.

Cashback Overseas

0.2 %

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Unlimited 0.2% cashback on all other spends.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

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For all Principal and Supplementary cards.

Offer Available

Welcome Offer

Up to S$188 Cashback

Valid until

31 July 2024

Things to consider for this product:

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Online shopping rebate

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Supermarket rebate

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Annual Fee waiver

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Rebate cap applied

ICBC Visa Dual Currency Credit Card

Cashback Local

Up to 8 %

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For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.

Cashback Overseas

Up to 8 %

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For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 30

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First Three Years Waived

Things to consider for this product:

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Local spending rebate

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Overseas rebate

remove

Monthly spend required

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Rebate cap applied

ICBC UnionPay Dual Currency Credit Card

Cashback Local

Up to 8 %

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For all qualifying spend above S$500.

Cashback Overseas

Up to 8 %

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For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.

Min. Annual Income

S$ 30,000

Annual Fee

S$ 30

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First Three Years Waived

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

remove

Monthly spend required

remove

Rebate cap applied

UOB EVOL Card

Cashback Local

8 %

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Capped at S$60 per statement month, S$20 per category.

Cashback Overseas

0.3 %

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Capped at S$20 per statement month.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Fee Waived. Subsequent years waived with min. 3 transactions every month.

Offer Available

Welcome Offer

S$350 cash credit

Valid until

31 May 2024

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

remove

Monthly spend required

remove

Rebate cap applied

Citi Cash Back Card

Cashback Local

Up to 8 %

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8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories

Cashback Overseas

6 %

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8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$2,128

+ 3 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

15 May 2024

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

15 May 2024

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until

15 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

15 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

15 May 2024

Things to consider for this product:

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Dining rebate

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Supermarket rebate

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High-value gift

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Rebate cap applied

Gift Options

Receive premium rewards worth up to S$2,128; or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25); or
Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128)

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Dyson V8 Slim Fluffy (worth S$509); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

DBS Live Fresh Card

Cashback Local

Up to 6 %

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On Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.

Cashback Overseas

Up to 6 %

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On Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Welcome Offer

S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

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Online Rebate

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Shopping

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Public transportation

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Rebate cap applied

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Monthly spend required

OCBC 365 Credit Card

Cashback Local

Up to 6 %

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With minimum spending of S$800 or S$1,600 per calendar month. Cashback capped at S$80 or S$160, depending on minimum spend.

Cashback Overseas

0.25 %

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Things to consider for this product:

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Petrol rebate

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Dining rebate

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Gift: Apple product

remove

Monthly spend required

6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
S$160 monthly cashback cap (up from S$80).
Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
2-year annual fee waiver.
Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
Read our full review of the OCBC 365 Credit Card.
High min. spend of either S$800 or S$1,600 per calendar month
Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
S$80 monthly cashback cap with minium spend of $800.
S$160 monthly cashback cap with mininum spend of $1,600.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.

BOC Zaobao Credit Card

Cashback Local

1.5 %

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No minimum spend and no cap on cashback earned.

Cashback Overseas

1.5 %

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On retail spend

Min. Annual Income

S$ 30,000

Annual Fee

S$ 205.2

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First Two Years Waived

Things to consider for this product:

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No rebate cap

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Local spending rebate

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Overseas rebate

check

Dining rebate

BOC Family Card

Cashback Local

0.3 %

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With minimum monthly spend of S$800.

Cashback Overseas

0.3 %

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With minimum monthly spend of S$800.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 205.2

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First Year Waived

Things to consider for this product:

check

Dining rebate

check

Public transportation

remove

Monthly spend required

remove

Rebate cap applied

UOB Metro-UOB Card

Cashback Local

0.2 %

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(Indirect Cashback) S%5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.

Cashback Overseas

0.2 %

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(Indirect Cashback) S$5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Retail rebate

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Dining savings

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No monthly spend required

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No rebate cap

How to best use a Cashback Credit Card

To best use a high cashback credit card, focus on the following strategies to maximise your savings:

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Who should use a High Cashback Credit Card?

A credit card with a high cashback earn rate is specifically suited for these types of users:

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Things to look out for when choosing a High Cashback Credit Card

When choosing a high cashback credit card, pay close attention to the following specific factors:

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What is considered a high cashback rate?

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Generally, a high cashback rate for credit cards in Singapore typically hovers between 3% to 15%. However, rates can vary, so it's best to check with banks or comparison websites like us at SingSaver for the latest information.

What are commonly eligible categories that earn high cashback?

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You can expect categories like dining, food delivery, transport, groceries, offline and online shopping, mobile contactless spend, travel, utilities and other bills like petrol and phone bills where applicable.

Do all cashback credit cards require minimum spending?

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Yes, all high cashback credit cards demand a minimum spend every month (or sometimes per year) to qualify for their high cashback rates. Failure to satisfy these minimum spending will result in cardholders earning base cashback (e.g. 0.2%, 0.3%) instead of bonus cashback.

The only exception where minimum spend doesn’t apply is unlimited cashback credit cards.

What are some popular examples of high cashback credit cards?

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The UOB One Card, POSB Everyday Card, Maybank Family & Friends Card, CIMB Visa Signature Card, OCBC Frank Card, Citi Cash Back Card, OCBC 365 Card, DBS Live Fresh Card and the UOB EVOL Card are examples of high cashback credit cards.

Best High Cashback Credit Cards in Singapore 2024

DBS yuu Visa Card

Offer Available

Things to consider for this product:

Quick Facts

DBS yuu American Express Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB One Card

Offer Available

Things to consider for this product:

Quick Facts

POSB Everyday Card

Offer Available

Things to consider for this product:

Quick Facts

CIMB Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

ICBC Visa Dual Currency Credit Card

Things to consider for this product:

Quick Facts

ICBC UnionPay Dual Currency Credit Card

Things to consider for this product:

Quick Facts

UOB EVOL Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back Card

2 Offers Available

Things to consider for this product:

Quick Facts

DBS Live Fresh Card

Offer Available

Things to consider for this product:

Quick Facts

OCBC 365 Credit Card

Things to consider for this product:

Quick Facts

BOC Zaobao Credit Card

Things to consider for this product:

Quick Facts

BOC Family Card

Things to consider for this product:

Quick Facts

UOB Metro-UOB Card

Things to consider for this product:

Quick Facts

Quick Facts

How does a High Cashback Credit Card work?

How to best use a Cashback Credit Card

Who should use a High Cashback Credit Card?

Things to look out for when choosing a High Cashback Credit Card

Frequently asked questions for High Cashback Credit Cards

What is considered a high cashback rate?

What are commonly eligible categories that earn high cashback?

Do all cashback credit cards require minimum spending?

What are some popular examples of high cashback credit cards?