Best Cards For

• Get up to S$30 Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval + an exclusive S$50 Shopee Voucher Pack when you use on Instant Checkout on Shopee
• Must be a new-to-bank customer
• Valid until 31 December 2026
• Read Terms and Conditions here

Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

• Earn 1.5% Unlimited Shopee Coins with Mari Credit Card Instant Checkout 
• Earn 1.5% Unlimited Cashback on eligible card spend in SGD
• Earn 1.5% Cashback on foreign currency transactions up to S$1,500 per calendar month
• No minimum monthly spend requirement and no maximum cashback cap
• No FX fees

Annual Fee

• None

Income Requirement

• S$30,000 (Singaporeans or PR)

When is Cashback Credited

• It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

1.5% Cashback Terms and Conditions

1.5% Overseas Spend

1.5% Shopee Coins

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• First eligible applicant at 2pm and 10pm daily to claim the below reward:
  • 16 – 30 April 2026
    • 2PM – Apple iPhone 17 256G (worth S$1,299)
    • 10PM – 44k MaxMiles by HeyMax (worth S$792) 
• Remaining Customers: S$90 Cash via PayNow
• Must spend S$500 within the first 30 days from card approval
• Valid for New-to-Bank Cardholders
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email and complete the registration to secure your reward!

• Earn 12% cashback on Singtel/GOMO spend
• Earn 10% cashback on Local Online and Mobile Contactless spend (Apple Pay, Samsung Pay, Google Pay)
• Earn 0.3% cashback on all other local and overseas spend
• Minimum spend of S$800 each statement month
• Total Cashback of S$80
  • Singtel/GOMO spend – S$30
  • Local Online and Mobile Contactless spend – S$30
  • All other spends – S$20
• At your max hack level, you will need around S$250 worth of spending on Singtel/GOMO Spend and S$300 worth of spending on Local online and mobile contactless spend as well as another S$250 spend on other types of spend to receive the max effective cashback of 7.59%.
• Get up to 20% fuel savings at SPC
• No foreign currency fees on overseas spends
• Get up to S$300 Singtel Vouchers when you spend locally
  • S$24,000 spend/year = S$300 voucher
  • S$12,000/year = S$100 voucher

• Get up to 14,000 KrisFlyer Miles when you spend a minimum of S$1,000  and pay annual fee of S$397.85 within the first 2 months of card approval
  • 7,900 bonus miles
  • 5,000 miles (first-time Singapore Airlines Credit Card applicants only)
  • 1,100 miles from eligible spend
• Only for new-to-bank card holders
• Valid until 31 March 2026
• Read Terms and Conditions here

• 1.2 miles per dollar on local and overseas spend
• 2 miles per dollar on Singapore Airlines, Scoot, and KrisShop spend
• 2 miles per dollar on Grab transactions, capped at S$200 per calendar month
• No conversion fees
• Get Accelerated to KrisFlyer Elite Gold Status
• One Complimentary Night’s Stay at Hilton Hotel
• Complimentary Travel Insurance

Annual Fee

• S$397.85

Income Requirement

• Not specified

Terms and Conditions

• First eligible applicant at 2pm and 10pm daily to claim the below reward:
  • 16 – 30 April 2026
    • 2PM – Apple iPhone 17 256G (worth S$1,299)
    • 10PM – 44k MaxMiles by HeyMax (worth S$792) 
• Remaining Customers: S$90 Cash via PayNow
• Must spend S$500 within the first 30 days from card approval
• Valid for New-to-Bank Cardholders
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email and complete the registration to secure your reward!

• Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
• Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
• Spending Cap:
  • Until 1 August 2025 Statement:
    • Combined cap of S$2,000 per statement month
  • From 1 September 2025 Statement – Split into 2 categories:

    • Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month

    • Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month

      Note: Categories 1 and 2’s cap are separate — you can meet just one or both.

Annual Fee

• S$218 first year waived

Income Requirement

• S$50,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

• UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

Terms and Conditions

Read Full Review

NIL

• Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,200 per calendar month
  • Spend caps will be divided into 2 categories:
    • 1st category – Mobile Contactless Payment (S$600 spend cap)
    • 2nd Category – Selected Online Transactions (S$600 spend cap)
• Earn 0.4 miles per dollar on other spending
• Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
  • Apple Pay
  • Google Pay
  • Samsung Pay (excluding MST)

Annual Fee

• S$196.20, first year waived
  

Income Requirement

• S$30,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

• UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

Know what this card is best for:

• Best Cards for Kris+ – Dining & Shopping Spends

Terms and Conditions

Read Full Review

• Get 1-year Disney+ Premium subscription (worth S$189.98) when you credit at least S$1,800 monthly salary to your account via GIRO or FAST/PayNow by the following month of account opening
• Valid until 30 June 2026
• Read Terms and Conditions here

OCBC 360 Account is a high-yield savings account that rewards you with bonus interest for crediting your salary, saving, and spending on OCBC cards. You can also purchase insurance or investment products. It’s ideal for working adults who can consistently meet these criteria to maximize their interest earnings.

Comes with 3 Main Requirements:

• Salary Crediting: Your salary must be deposited from a corporate account with the purpose of payment being “SALARY” to qualify for the full interest rate.
• Savings Increase: You need to increase your balance by S$500 monthly for bonus interest, with potential “resets” impacting your ROI. Check the OCBC app under “Money Insights” > “Total Balance” to see if you meet this criteria.
• Spend S$500 a month on one of these OCBC Credit Cards: OCBC 365, OCBC Infinity Cashback, OCBC NXT, OCBC 90N or OCBC Rewards.

Promo Details:

• Get up to S$168 cashback (consists of S$138 welcome cashback + S$30 when you apply using my code: DBF6F) when you deposit and maintain S$50,000 in fresh funds.

• How to qualify:

  1. Apply for a Bonus$aver Account and Bonus$aver World Mastercard Credit Card (as main account/principal cardholder).

  2. Deposit S$50,000 fresh funds.

  3. Keep the deposit until the end of the calendar month after account opening.

• Who can apply:

  • New Bonus$aver accountholders, or existing Standard Chartered customers who don’t have a Bonus$aver account yet.

• Read Terms and Conditions here
• Valid until 31 May 2026

Additional Tips to Maximise Sign Up Gifts:

• Apply for a Standard Chartered credit card first if you are new to SC credit card holder (with sign-up bonus) before joining this promo. I personally recommend these two:

The Standard Chartered Bonus$aver Account offers up to 8.05% p.a. interest on the first S$$100,000 when you credit salary, spend on the linked card, and opt for investment or insurance products. Salary and card spend alone can earn around 3.05% p.a. 

To Achieve 3.05% p.a. Interest:

• Credit a salary of at least S$3,000/month via FAST, GIRO, or PayNow. There are no hacks for this at the moment.
• Spend at least S$1,000/month on your linked Bonus$aver credit or debit card.

To Achieve an Additional 2.5% p.a. Interest:

• You can do either below:
  • Subscribe, through SC, and settle a trade for an eligible unit trust with a minimum single subscription amount of S$20,000; OR
  • Trade a minimum of S$20,000 in cumulative buy trades for eligible Online Equities via SC Online Trading within a calendar month

Direct Bank Reward:

• Get Samsonite MODUS Spinner 25” (worth S$610) and S$100 cashback when you spend S$800 within 60 days of your card approval
• Valid until 30 June 2026
• Read Terms and Conditions here

Singsaver Reward:

• Get S$350 Cash via PayNow or S$370 Grab Voucher or Samsung Galaxy Buds4 Pro + S$100 eCapitaVoucher (worth S$449) when you spend a minimum of S$800 within 30 days of card approval and apply for one of the bonus products within 60 days of card approval (must apply via Singsaver):
  
  • EasyPay (can be applied directly (not via SingSaver) and will still be eligible if conditions are met)
    • Complete 3 retail credit card transactions of min. S$150 each (Min. tenure: 12 months

• • Bonus$aver Account
    • Open account with min. S$3,000 deposit
  • CashOne Personal Loan
    • Min. approved loan: S$1,000 (Min. tenure: 12 months)
  • Credit Card Funds Transfer (CCFT)
    • Min. approved amount: S$1,000 (Min. tenure: 3 months)
• Note: After card approval, Singsaver will email you the link where you can apply for a bonus product, you MUST apply through that link only to secure the reward. Applying on the direct bank website will not be valid.

• Promotion is valid for new to bank credit card holders
• Valid until 03 May 2026
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email and complete the registration to secure your reward!

• Earn a flat 1.5% cashback rate, with no minimum spend requirement, and no cashback cap. This card can be used in basically anything and everything spending! This can be an ultimate card to use when paying for wedding banquet venues!

Annual Fee

• S$196.20 (including 9% GST), waived for the first two years

Income Requirement

• S$30,000 (locals/PRs); S$60,000 (foreigners)

Know what this card is best for:

• Best Cards for Wedding Banquets

Terms and Conditions

Full Review

Singsaver Reward:

• Get 12,000 Max Miles by HeyMax (worth a roundtrip to Kuala Lumpur with a travel value of S$210+) or Samsonite Straren Spinner 67/24 (worth S$600) or Apple Airpods 4 (without Active Noise Cancellation) (worth S$199) or S$180 Cash via PayNow when you spend S$800 within 60 days of card approval and apply for one of the bonus products within 60 days of card approval (must apply visa Singsaver):
  • EasyPay (can be applied directly (not via SingSaver) and will still be eligible if conditions are met)
    • Complete 3 retail credit card transactions of min. S$150 each (Min. tenure: 12 months
  • Bonus$aver Account
    • Open account with min. S$3,000 deposit 
  • CashOne Personal Loan
    • Min. approved loan: S$1,000 (Min. tenure: 12 months)
  • Credit Card Funds Transfer (CCFT)
    • Min. approved amount: S$1,000 (Min. tenure: 3 months)
• Note: After card approval, Singsaver will email you the link where you can apply for a bonus product, you MUST apply through that link only to secure the reward. Applying on the direct bank website will not be valid.

• Valid until 03 May 2026
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email to secure your rewards after you have applied!

Stackable with Direct Bank Rewards:

• Receive up to 30,000 miles
• Receive 10,000 miles when you pay the annual fee under “Fee Paying” option
• Receive 20,000 miles when you make a min. spend of S$800 within 60 days of card approval (This is available for both fee paying and fee waiver option)
• Therefore, fee paying option earns 30K miles, fee waiver option earns 20K miles, if requirements are met
• Promotion is valid until 30 June 2026
• Read Terms and Conditions here

My thoughts: If you were going to apply for this card, you should choose the fee waiver option as the cost per mile is 196.20/10,000 miles = 1.96 cents per mile, which is quite expensive.

• Earn up to 3 miles per dollar on selected bonus categories in SGD; 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. All with no minimum monthly spending required. This card is best for those who spend a lot on the bonus online categories such as transportation, grocery and food delivery with a spending cap of S$1,000 per statement month
• This comes with 2 complimentary airport lounge passes

Terms and Conditions

Full Review