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

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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.

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Search by cashback benefit type

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

Standard Chartered Smart Credit Card

Cashback Local

6 %

Cashback Overseas

0.5 %

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S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.

Annual Fee

No Annual Fee

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Waived Perpetually

Offer Available

Best Deal Guarantee

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

Valid until

12 May 2024

Best Deal Guarantee

Nintendo Switch (Generation 2) (worth S$399)

Valid until

12 May 2024

Best Deal Guarantee

Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

12 May 2024

Best Deal Guarantee

Up to S$340

Valid until

12 May 2024

Things to consider for this product:

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Bonus air miles

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Public transportation

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Installment

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No Annual Fee

Maybank DUO Platinum MasterCard

Cashback Local

5 %

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Cashback rate on petrol transactions in Singapore and Malaysia.

Cashback Overseas

1.5 %

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No minimum spend and no cap.

Annual Fee

S$ 130.8

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First Three Years Waived

Things to consider for this product:

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Petrol rebate

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Overseas rebate

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Travel insurance

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Annual Fee waiver

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

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

Offer Available

Welcome Offer

2x GOTRIP luggage bags (worth S$500 total)

Valid until

31 May 2024

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

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

Offer Available

Welcome Offer

2x GOTRIP luggage bags (worth S$500 total)

Valid until

31 May 2024

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

UOB Absolute Cashback Card

Cashback Local

1.7 %

Cashback Overseas

1.7 %

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

Welcome Offer

10% cashback

Valid until

30 June 2024

Welcome Offer

S$350 cash credit

Valid until

31 May 2024

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

BOC Visa Infinite Card

Cashback Local

1.6 %

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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

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

Citi Cash Back+ Card

Cashback Local

1.6 %

Cashback Overseas

1.6 %

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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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

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

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

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

AMEX Flash Deal

S$150 Upsized Cash via PayNow

Valid until

15 May 2024

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

DBS Vantage Visa Infinite Card

Cashback Local

1.5 %

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S$1 local spend = 1.5% cashback

Cashback Overseas

2.2 %

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S$1 overseas spend = 2.2% cashback

Annual Fee

S$ 599.5

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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.

Offer Available

Welcome Offer

Up to 85,000 miles

Valid until

31 May 2024

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).

Standard Chartered Simply Cash Credit Card

Cashback Local

1.5 %

Cashback Overseas

1.5 %

Annual Fee

S$ 196.2

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First Two Years Waived

2 Offers Available

SingSaver Lightning Deal

Sony PlayStation® 5 Slim Disc Edition (worth S$799)

Valid until

12 May 2024

SingSaver Lightning Deal

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

12 May 2024

SingSaver Lightning Deal

S$500 eCapitaVoucher

Valid until

12 May 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

12 May 2024

Best Deal Guarantee

The Morning Machine + 20 Capsules Bundle (worth S$684)

Valid until

12 May 2024

Best Deal Guarantee

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

Valid until

12 May 2024

Best Deal Guarantee

Up to S$420

Valid until

12 May 2024

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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Installment

Gift Options

Sony PlayStation® 5 Slim Disc Edition (worth S$799); or
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$500 eCapitaVoucher

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
The Morning Machine + 20 Capsules Bundle (worth S$684); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Up to S$420

UOB Regal Business Metal Card

Cashback Local

1.5 %

info

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

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.

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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:

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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:

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Do all credit cards have minimum spend?

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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.

Best Cashback Credit Cards with no Minimum Spend in Singapore 2024

Standard Chartered Smart Credit Card

Offer Available

Things to consider for this product:

Quick Facts

Maybank DUO Platinum MasterCard

Things to consider for this product:

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Maybank Manchester United Platinum Visa Credit Card

Things to consider for this product:

Quick Facts

DCS Ultimate Platinum UnionPay Card

Offer Available

Things to consider for this product:

Quick Facts

DCS Ultimate Platinum Mastercard

Offer Available

Things to consider for this product:

Quick Facts

UOB Absolute Cashback Card

2 Offers Available

Things to consider for this product:

Quick Facts

BOC Visa Infinite Card

Things to consider for this product:

Quick Facts

Maybank FC Barcelona Visa Signature Card

Things to consider for this product:

Quick Facts

Citi Cash Back+ Card

2 Offers Available

Things to consider for this product:

Quick Facts

ICBC Chinese Zodiac Credit Card

Things to consider for this product:

Quick Facts

American Express True Cashback Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Vantage Visa Infinite Card

Offer Available

Things to consider for this product:

Quick Facts

Standard Chartered Simply Cash Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB Regal Business Metal Card

Things to consider for this product:

Quick Facts

Quick Facts

How does a Cashback Credit Card with no Minimum Spend Work?

How to best use a Cashback Credit Card with no Minimum Spend

Who should use a Cashback Credit Card with no Minimum Spend?

Things to look out for when choosing a Cashback Credit Card with no Minimum Spend

Frequently Asked Questions

Do all credit cards have minimum spend?