No Minimum Spend Required All Rewards Cards

chevron_left

chevron_right

chevron_left

chevron_right

Best Rewards Credit Cards With No Minimum Spend in Singapore 2024

In Singapore, the top Rewards Credit Cards with No Minimum Spend offer effortless rewards accumulation without spending thresholds. These cards are versatile, catering to varying spending patterns and providing consistent benefits. With diverse redemption options and value from everyday expenses, they suit frequent spenders and those seeking efficient rewards.

See Moreexpand_more

Search by Rewards types

No Minimum Spend Required All Rewards Cards

Maybank Manchester United Platinum Visa Credit Card

Rewards Points Baseline

Up to 25 TREATS Points per S$5 spent

info

When Manchester United wins a Premier League Match, otherwise earn 5 TREATS Points per S$5 spent.

Cashback Base Rate

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.

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 FC Barcelona Visa Signature Card

Rewards Points Baseline

10 TREATS Points per S$5

info

For foreign currency spend only.

Cashback Base Rate

1.6 %

info

Unlimited cashback

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:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

Maybank World MasterCard

Rewards Points Baseline

5 TREATS Points per S$5 spent

Cashback Base Rate

0.27 %

info

(Indirect cashback) S$1 = 1 TREATS Point 18,500 TREATS Point = S$50 cash credit, equivalent to 0.27% cashback.

Annual Fee

S$ 261.6

info

First Year Waived

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

Maybank DUO Platinum MasterCard

Rewards Points Baseline

5 TREATS Points per S$5 spent

info

Excluding petrol transactions

Cashback Base Rate

0.27 %

info

(Indirect cashback) S$5 = 5 TREATS Points 18,500 points = S$50 cash credit, equivalent to 0.27% cashback.

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

American Express Platinum Card

Rewards Points Baseline

2 points per dollar

info

Base rate

Cashback Base Rate

0.6 %

info

(Indirect Cashback) S$1.60 spend = 2 Membership Rewards points. 1,000 points redeemed = S$4.80 cash credit (Pay With Points), equivalent to 0.6% cashback.

Annual Fee

S$ 1,744

2 Offers Available

Welcome Offer

Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)

Valid until

30 April 2024

Welcome Offer

135,000 Membership Rewards® points (Upsized for Existing Cardmembers)

Valid until

30 April 2024

Things to consider for this product:

check

Bonus air miles

check

Dining savings

check

Airport lounge

remove

Annual Fee required

Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion credits.
Indulge In Fine Hotels + Resorts Benefits Worth S$800.
Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges.
Gain instant status to higher tiers of leading hotel loyalty programs such as the Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status.
Complimentary Access into Tower Club.
Complimentary Weekend Parking at Great World City.
Membership Rewards Points never expire.
Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others.
Up to 50% savings with Love Dining at selected restaurants such as Lawry’s, Sen of Japan, and Peach Garden among others.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).

Gift Options

Complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590)

Gift Options

135,000 Membership Rewards® points (Upsized for Existing Cardmembers)

American Express Platinum Credit Card

Rewards Points Baseline

2 points per dollar

info

Base rate

Cashback Base Rate

0.6 %

info

(Indirect Cashback) S$1.60 spend = 2 Membership Rewards points. 1,000 points redeemed = S$4.80 cash credit (Pay With Points), equivalent to 0.6% cashback.

Annual Fee

S$ 327

2 Offers Available

Welcome Offer

Get up to 60,000 Membership Rewards® points

Valid until

30 April 2024

Welcome Offer

Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points

Valid until

30 April 2024

Things to consider for this product:

check

Unlimited air miles

check

Dining savings

remove

Annual Fee required

Gift Options

Get up to 60,000 Membership Rewards® points

Gift Options

Up to S$400 eCapitaVoucher + 1,250 Membership Rewards® Points

Standard Chartered Smart Credit Card

Rewards Points Baseline

1.6 points per dollar

info

Base rate

Cashback Base Rate

0.5 %

info

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

info

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:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Citi Rewards Card

Rewards Points Baseline

1 point per dollar

Cashback Base Rate

0.23 %

info

S$1 local spend = 1X point. 4,400X Points redeemed = S$10 cash credit. Equivalent to 0.23% cashback.

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

SingSaver Lightning Deal

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

Valid until

02 May 2024

SingSaver Lightning Deal

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

Valid until

02 May 2024

SingSaver Lightning Deal

S$500 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

02 May 2024

Best Deal Guarantee

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

Valid until

02 May 2024

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until

02 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

02 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

02 May 2024

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.
Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.
Pair with amaze card to turn offline transactions into online transactions.
10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
1X reward point for every S$1 on all other spending.
No min. spend required.
Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles.
Rewards are rounded up to the nearest 10 points on all purchases.
Sign Up Bonus of 40,000 Citi ThankYou Points.
Read our full review of the Citi Rewards Card.
10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.
10X rewards excludes travel purchases online and non-fashion purchases offline.

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
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 Woman's Card

Rewards Points Baseline

1 DBS Point per S$5

info

Or 0.4 miles per dollar per S$1.

Cashback Base Rate

0.17 %

info

S$5 spend = 1 point. 1200 points = S$10 cash credit, equivalent to 0.17% cashback.

Annual Fee

S$ 163.5

info

First Year Waived

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

DBS Woman's World Card

Rewards Points Baseline

1 DBS Point per S$5

info

1X DBS Points per S$5

Cashback Base Rate

0.17 %

info

S$5 spend = 1 point. 1200 points = S$10 cash credit, equivalent to 0.17% cashback.

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

Standard Chartered Rewards+ Credit Card

Rewards Points Baseline

1 point per dollar

info

Base rate

Cashback Base Rate

0.25 %

info

Based on conversion rate of 40,350 points = $100.

Annual Fee

S$ 196.2

info

First Year Waived

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:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

UOB Lady's Solitaire Card

Rewards Points Baseline

UNI$ 1

Cashback Base Rate

0.2 %

info

(Indirect Cashback) S$5 local spend = UNI$1 point on all other spend. 2000 points redeemed = S$20 Cash Credit. Equivalent to 0.2% cashback.

Annual Fee

S$ 414.2

info

First Year Waived

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

HSBC Revolution Credit Card

Rewards Points Baseline

1 point per dollar

info

Base rate

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

14 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

14 May 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

14 May 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

14 May 2024

Things to consider for this product:

check

Mobile contactless rebate

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases and contactless payments (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our full review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

OCBC Rewards Credit Card

Rewards Points Baseline

1 OCBC$ per dollar

info

Base rate

Cashback Base Rate

0.28 %

info

S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

Annual Fee

S$ 196.2

info

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:

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

check

No monthly spend required

HSBC Visa Platinum Credit Card

Rewards Points Baseline

1 point per dollar

Cashback Base Rate

5 %

Annual Fee

S$ 196.2

info

First Two Years Waived

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

14 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

14 May 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

14 May 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

14 May 2024

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

Petrol rebate

remove

Rebate cap applied

UOB Lady's Card

Rewards Points Baseline

UNI$ 1

Cashback Base Rate

0.2 %

info

S$5 local spend = UNI$15 on all enrolled category/ies. 2000 points redeemed = S$20 cash credit, equivalent to 2.8% cashback.

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Welcome Offer

Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)

Valid until

30 June 2024

Welcome Offer

Jo Malone Cologne 30ml (worth S$120)

Valid until

30 April 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

Maybank Business Platinum Mastercard

Rewards Points Baseline

1 TREATS Points per S$1 spent

Cashback Base Rate

0.29 %

info

S$1 = 1 TREATS Point. 2,900 TREATS Points = $10 cash credit, equivalent to 0.29% cashback.

Annual Fee

S$ 181.67

info

First Two Years Waived

Things to consider for this product:

check

Travel insurance

check

Annual Fee waiver

check

Installment

check

No monthly spend required

How does a Rewards Credit Card With No Minimum Spend work?

A Rewards Credit Card with No Minimum Spend allows you to earn rewards points for each purchase, up to a certain spend or bonus point threshold. Thereafter, these points can be redeemed for various other forms of rebates like miles or cashback. If not, they can also be redeemed directly for gifts (e.g. shopping vouchers) or experiences (e.g. travel deals).

See Moreexpand_more

How to best use a Rewards Credit Card With No Minimum Spend

To make the most of a rewards credit card with no minimum spend requirement, follow these strategies:

See Moreexpand_more

Who should use a Rewards Credit Card With No Minimum Spend?

A Rewards Credit Card with No Minimum Spend is an excellent choice for a variety of individuals, depending on their spending habits, financial goals, and preferences. This type of card is particularly well-suited for these types of users:

See Moreexpand_more

Things to look out for when choosing a Rewards Credit Card With No Minimum Spend

When selecting a rewards credit card with no minimum spend requirement, consider these factors to ensure you're making a well-informed choice:

See Moreexpand_more

Do all rewards credit cards come with no minimum spend?

expand_more

No, not all rewards credit cards in Singapore have no minimum spend requirements. Some cards may require reaching a specific spending threshold to earn rewards, while others offer rewards on every eligible transaction regardless of spending. For the latter, this typically refers to the base rewards points earned on all other regular spend that’s outside of the bonus categories.

In any case, always review your credit card terms thoroughly to understand how rewards are earned and if minimum spend is required.

What happens if you don’t hit the minimum spend on a rewards credit card?

expand_more

Not hitting the minimum spend on a rewards credit card in Singapore could mean missing bonus rewards or sign-up offers tied to that requirement. However, you'll still earn standard rewards or cashback based on the card's regular earning rate for eligible transactions outside of bonus categories. While no penalties apply, you might not qualify for certain promotions requiring specific spending criteria.

Consider cards with flexible rewards structures if meeting minimum spending becomes difficult.

Best Rewards Credit Cards With No Minimum Spend in Singapore 2024

Maybank Manchester United Platinum Visa Credit Card

Things to consider for this product:

Quick Facts

Maybank FC Barcelona Visa Signature Card

Things to consider for this product:

Quick Facts

Maybank World MasterCard

Things to consider for this product:

Quick Facts

Maybank DUO Platinum MasterCard

Things to consider for this product:

Quick Facts

American Express Platinum Card

2 Offers Available

Things to consider for this product:

Quick Facts

American Express Platinum Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Smart Credit Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Rewards Card

2 Offers Available

Things to consider for this product:

Quick Facts

DBS Woman's Card

Things to consider for this product:

Quick Facts

DBS Woman's World Card

Things to consider for this product:

Quick Facts

Standard Chartered Rewards+ Credit Card

Offer Available

Things to consider for this product:

Quick Facts

UOB Lady's Solitaire Card

Things to consider for this product:

Quick Facts

HSBC Revolution Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

OCBC Rewards Credit Card

Things to consider for this product:

Quick Facts

HSBC Visa Platinum Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB Lady's Card

2 Offers Available

Things to consider for this product:

Quick Facts

Maybank Business Platinum Mastercard

Things to consider for this product:

Quick Facts

Quick Facts

How does a Rewards Credit Card With No Minimum Spend work?

How to best use a Rewards Credit Card With No Minimum Spend

Who should use a Rewards Credit Card With No Minimum Spend?

Things to look out for when choosing a Rewards Credit Card With No Minimum Spend

Frequently asked questions for Rewards Credit Cards With No Minimum Spend

Do all rewards credit cards come with no minimum spend?

What happens if you don’t hit the minimum spend on a rewards credit card?