Best Cards For

Option 1: Direct Bank Promotion

• Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
• Valid til 4 May 2026
• Read Terms and Conditions here
•  

Option 2: Singsaver Promotion

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get 25,000 HeyMax Miles (worth S$600) or Dyson Airstrait™ straightener (worth S$799) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth $389) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
• Valid until 31 March 2026
• Promotion is valid for new to bank credit card holders
• 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!
•  

Annual Fee

Know what this card is best for:

• Best Cards for Kris+
• Best Cards for EV Charging
• Best Cards for Telco
• Best Cards for Ride Hailing Apps
• Best Cards for Petrol 
• Best Cards for Food Delivery
• Best Cards for Grocery Shopping
• Best Cards for Restaurant
• Best Cards for Online Shopping
• Best Cards for Hospital
• Best Cards for Electronics
• Best Cards with No Min Spend
• Best Card to Pair with Amaze
• Best Cards for Wedding Banquet

Terms and Conditions

Read Full Review

Option 1: Direct Bank Promotion

• Receive 8,000 bonus Citi Miles (with no annual fee paid) or 30,000 bonus Citi Miles (with annual fee paid) when you spend S$800 in the first 2 months of card approval.
• Valid til 4 May 2026
• Read Terms and Conditions here

Option 2: Singsaver Promotion

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get 25,000 HeyMax Miles (worth S$600) or Dyson Airstrait™ straightener (worth S$799) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth $389) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
• Valid until 31 March 2026
• Promotion is valid for new to bank credit card holders
• 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 uncapped 1.2 miles for every dollar spent in Singapore dollars and 2 miles for every dollar spent overseas. Even though the earn rate is quite low, the miles never expire. This may be useful for those starting out on their miles accumulation journey with low spending.

• Citibank credit cards have one of the widest variety of transfer partners, which makes the miles very flexible for miles redemption.

• The principal card entitles you to 2 free Priority Pass airport lounge visits per calendar year!

Terms and Conditions

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Option 1: Direct Bank Promotion

• Get S$400 cashback when you spend S$800 within 2 months from card approval
• Valid til 28 February 2026
• Read Terms and Conditions here

Option 2: Singsaver Promotion

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get 25,000 HeyMax Miles (worth S$600) or Dyson Airstrait™ straightener (worth S$799) or Dji Osmo Action 5 Pro Standard Combo (worth S$489) or S$420 Cash via PayNow or S$450 eCapitaVoucher upon activating and spending a min. S$500 within 30 days of card approval
• Valid until 31 March 2026
• Promotion is valid for new to bank credit card holders
• 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 5% cashback on groceries, online shopping, taxi rides (including private hire operators) and SimplyGo. This card is best used for those who need to make big purchases online may it be per month or in a single transaction because of its high spending cap in a year! Although you can use it on SimplyGo rides, it would not be practical to use it unless you are sure that you can hit S$500 monthly minimum spend.

• This has a minimum spend of S$500 per month and spending cap of $12,000 per year, cashback is capped at 600SMRT$ per year, giving you $600 cashback – Since every S$1 spent gives you 1 SMRT$

• Earn 0.3% cashback on other retail spend island-wide

Know what this card is best for:

• Best Cards for Online Shopping
• Best Cards for Hospital Bills
• Best Cards for Electronics

Terms and Conditions

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Option 1: Direct Bank Promotion

• Receive 8% cash back Welcome Offer for up to S$4,000 spend in the first 2 months of card approval
• Valid til 4 May 2026
• Read Terms and Conditions here

• Earn up to 1.6% cashback on all eligible spending with no minimum spend and no cap
• Since there’s no maximum spending limit, you can make a one-time payment using this card on Hospital Bills

Annual Fee

• S$196.20 (incl. 9% GST)

Income Requirement

• S$30,000 (locals/PRs); S$42,000 (foreigners)

When/How is Cashback Credited

• You must redeem cash rebate via SMS and you must have at least S$10 in your Card account

Know what this card is best for:

• Best Cards for Hospital Bills
• Best Cards for Wedding Banquet

Terms and Conditions

Read Full Review

Option 1: Direct Bank Promotion

• Receive S$300 cashback Welcome Offer when you spend S$800 in the first 2 months upon card approval
• Valid til 4 May 2026
• Read Terms and Conditions here

Option 2: Singsaver Promotion

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get 25,000 HeyMax Miles (worth S$600) or Dyson Airstrait™ straightener (worth S$799) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth $389) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
• Valid until 31 March 2026
• Promotion is valid for new to bank credit card holders
• 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 8% cashback on Petrol and local private hire/taxi, 6% cashback on Dining at restaurants and cafes daily, worldwide, 6% cashback on groceries at supermarkets and grocery stores daily, worldwide.
• Up to 20.88% fuel savings at Esso and Shell & 23.64% savings at Caltex
• There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month. 
• Get 0.2% base cashback for other spends

Tip: You don’t have to meet the minimum monthly spend requirement every month. If you can’t hit S$800 for the month, you can buy supermarket vouchers in store (and get 6% cashback) to use in the next few months.

Annual Fee

• S$196.20 (incl. 9% GST), first year waived

Income Requirement

• S$30,000 (locals/PRs); S$42,000 (foreigners)

When is Cashback Credited

• Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of $10. S$50 is the minimum cash back withdrawal amount (after that, multiples of S$10). When your cashback total reaches S$50, it will be automatically credited to your credit card statement. Through the Citi Mobile App, you will also be able to monitor the cashback you have earned.

Know what this card is best for:

• Best Cards for Kris+ – Dining Spend
• Best Cards for Ride Hailing Apps
• Best Cards for Petrol 
• Best Cards for Grocery Shopping
• Best Cards for Restaurant

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get Apple Watch SE Gen 3 40mm (GPS+Cell) (worth S$419) or Dyson Airstrait™ straightener (worth S$799) or 25,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
• Valid until 31 March 2026
• Available for New HSBC Cardholders
  
  • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

• 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!

For Existing HSBC Cardholders:

• Get S$50 cashback when you spend S$500 by the end of the following month
• Valid until 05 March 2026
• Available for Existing HSBC Cardholders
  • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
  • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
• Read Terms and Conditions here
• Must provide marketing consent to HSBC
• This gift will be fulfilled directly by HSBC

• Best Cards for Restaurant
• Best Cards for Online Shopping
• Best Cards for Electronics

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get Apple Watch SE Gen 3 40mm (GPS+Cell) (worth S$419) or Dyson Airstrait™ straightener (worth S$799) or 25,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
• Valid until 31 March 2026
• Available for New HSBC Cardholders
  
  • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

• 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!
  
  

For Existing HSBC Cardholders:

• Get S$50 cashback when you spend S$500 by the end of the following month
• Valid until 05 March 2026
• Available for Existing HSBC Cardholders
  • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
  • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
• Read Terms and Conditions here
• Must provide marketing consent to HSBC
• This gift will be fulfilled directly by HSBC

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get Apple Watch SE Gen 3 40mm (GPS+Cell) (worth S$419) or Dyson Airstrait™ straightener (worth S$799) or 25,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
• Valid until 31 March 2026
• Available for New HSBC Cardholders
  
  • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

• 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!

For Existing HSBC Cardholders:

• Get S$50 cashback when you spend S$500 by the end of the following month
• Valid until 05 March 2026
• Available for Existing HSBC Cardholders
  • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
  • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
• Read Terms and Conditions here
• Must provide marketing consent to HSBC
• This gift will be fulfilled directly by HSBC

• Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month (until 28 February 31 March 2026)
• The categories include:
  • Department Stores and Retail Stores
  • Dining (excluding hotel dining)
  • Transportation & Membership Clubs
  • Travel-Related 
• You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,500 per calendar month.
• The rewards points conversion fee is waived indefinitely— transferring your points is completely free!
• Note: Contactless payment, upsized cap of S$1,500, and travel-related category will only be available until 31 March 2026. 

Special hack: 

Even though you may not be able to use the card for flights or hotel bookings directly, you can actually use atome to make your bookings via agoda or trip.com and pay via atome platform. Atome’s MCC is 5999 which falls under 4 mile per dollar category. In addition, spreading your travel spending across 3 months instalments can help you keep within the S$1,000 spending cap. However, you will not be able to earn extra cashback on platforms like Shopback or Azgo.

If you are new to Atome, you can sign up here to receive points that is equivalent to S$10 off your first transaction. 

Transfer Partners

• Japan Airlines, Air Canada Aeroplan, Fortune Wings Club, Qatar Airlines, Turkish Airlines, Mileage Plus, Krisflyer, Thai Royal Orchid Plus, Flying Blue, Air Asia, British Airways, Asia Miles, Etihad, EVA Air, Qantas, Vietnam Airlines

Know what this card is best for:

• Best Cards for Kris+ – Dining & Shopping Spends
• Best Cards for Flights
• Best Cards for Ride Hailing Apps
• Best Cards for Online Shopping
• Best Cards with No Min Spend
• Best Cards for Electronics

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get Dyson Airstrait (worth S$799) or 25,000 HeyMax Miles (worth $600) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth S$389) or S$370 Cash via PayNow when you S$400 within 30 days from card approval

• Valid until 31 March 2026

• 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!

• Get 1.6% cashback on all of your purchases, whether they are transacted local, online, in stores, and overseas with no minimum monthly spending required and no maximum spending cap

Annual Fee

• S$196.20 (first year waived)

Income Requirement

• S$30,000 (locals/PRs); S$45,000 (foreigners)

When is Cashback Credited

• Cashback will be automatically credited to your OCBC Infinity card account by the end of the following calendar month. Cashback will be automatically offset against that month’s billed amount.

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get 50,000 OCBC$ (worth a round trip to Bali) or 25,000 HeyMax Miles (worth $600) or Dyson Airstrait (worth S$799) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth S$389) or S$370 Cash via PayNow when you S$400 within 30 days from card approval

• Valid until 31 March 2026

• 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 6 miles per dollar on Watsons, Lazada, Shopee (except Shopee Pay transactions), Tiktok Shop, and Taobao (until 31 March 2026). Capped at S$1,000 per calendar month
• Earn 4 miles per dollar on Eligible Online and Offline Spends, capped at S$1,110 per calendar month
• Pair with Amaze for converting offline overseas retail spending to earn 4 miles per dollar

Annual Fee

• S$196.20 (including GST), waived for the first 2 years

Income Requirement

• S$30,000 (locals/PRs); S$45,000 (foreigners)

Points Expiry

• OCBC$ expires every 2 years and can pool across cards that earn OCBC$, but not with OCBC’s other rewards currencies (Travel$, VOYAGE Miles) – This means if you have other OCBC$ earning cards (eg. OCBC Rewards Blue and Pink), you can transfer the miles together from both card at one shot with a single transfer fee.

Know what this card is best for

• Best Cards for Kris+ – Shopping Spend
• Best Cards for No Min Spend
• Best Cards to Pair With Amaze
• Best Cards for Online Shopping

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get Dyson Airstrait (worth S$799) or 25,000 HeyMax Miles (worth $600) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth S$389) or S$370 Cash via PayNow or 20,000 90°N Miles (worth a round trip to Bali) when you S$400 within 30 days from card approval

• Valid until 31 March 2026

• 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 1.3 miles per dollar on local spend (6.5 miles per S$5) and 2.1 miles per dollar on overseas spend (10.5 miles per S$5) with no minimum monthly spending required
• Best used on Agoda bookings to earn 7 miles per dollar on this designated website www.agoda.com/90n
• Utilize the complimentary 3x 1GB 5-Day global data roaming by Flexiroam per calendar year exclusively for the mastercard version + 15% discount on all subsequent Flexiroam data plans
• Best used with Cardup to pay for insurance, mortgage, renovation, etc

Annual Fee

Income Requirement

• S$30,000 (locals/PRs); S$45,000 (foreigners)

Points Expiry

• No expiry

Transfer Partners

• Krisflyer, Air France, British Airways, Cathay Pacific, United Mileage Plus; Accor Live Limitless, IHG One Rewards, Marriot Bonvoy, Etihad Guest

Know what this card is best for

• Must be paired with CardUp/iPayMy
  • Best Cards for Insurance
  • Best Cards for Renovation, MCST, Donations, Tax, Rent

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get Dyson Airstrait (worth S$799) or 25,000 HeyMax Miles (worth $600) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth S$389) or S$370 Cash via PayNow when you S$400 within 30 days from card approval

• Valid until 31 March 2026

• 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 6% cashback on Petrol, 5% cashback on Dining, and 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities.
• This has 2 tiers of spend requirement and cap respectively:
  • Tier 1: S$800;S$80
  • Tier 2: S$1,600; S$160
• Best paired with OCBC 360 Savings Account as it offers the highest ROI with a minimum spend of S$800 on your first S$100,000 when you credit your salary, make purchases with an eligible OCBC credit card, and save regularly.

Annual Fee

• S$196.20 (including GST), waived for the first 2 years. 

Income Requirement

• S$30,000 (locals/PRs); S$45,000 (foreigners

How is Cashback Credited

• Cashback will be automatically offset against the month’s billed amount

Know what this card is best for

• Best Cards for Kris+ – Dining Spend
• Best Cards for EV Charging
• Best Cards for Restaurant
• Best Cards for Petrol
• Best Cards for Food Delivery

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get S$340 eCapitaVoucher or 21K HeyMax Miles (worth S$320) or Apple Airpods Pro 3 (worth S$349) or Samsonite STRAREN SPINNER 67/24 (worth S$600) S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval 
• Valid for New to DBS/POSB Customers only
• Valid until 31 March 2026
• Read Terms and Conditions here

• Enjoy base award of 10 yuu points per dollar spent (equivalent to 5% rebates or 2.78 miles per dollar) at yuu merchants with no minimum spend and no cap

• Enjoy additional bonus award of 26 yuu points per dollar spent (equivalent to 13% rebates or 7.22 miles per dollar) at yuu merchants when you hit S$800 total qualified spend in a calendar month, capped at 28,800 points per calendar month. This means the spending cap for the bonus earn rate is at S$800. 

• Earn 0.5 yuu point per dollar spent (equivalent to 0.25% rebates or 0.14 miles per dollar) at all other non-yuu merchants

• yuu Points awarded can only be tracked on yuu Rewards app

  • Use my referral code (KWMLISBL) when you sign up on the app to receive 2,000 yuu points.

• AMEX version offers special discounts like 30% off hotel reservations, free trials on PressReader, and 15% off Bloomingdale’s.

Annual Fee

• S$196.20, first year waived
  

Income Requirement

• S$30,000 (locals/PRs); S$45,000 (foreigners)

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get S$340 eCapitaVoucher or 21K HeyMax Miles (worth S$320) or Apple Airpods Pro 3 (worth S$349) or Samsonite STRAREN SPINNER 67/24 (worth S$600) S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval 
• Valid for New to DBS/POSB Customers only
• Valid until 31 March 2026
• Read Terms and Conditions here

• Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
• This comes with two complimentary lounge passes per 12-month membership period

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get S$340 eCapitaVoucher or 21K HeyMax Miles (worth S$320) or Apple Airpods Pro 3 (worth S$349) or Samsonite STRAREN SPINNER 67/24 (worth S$600) S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval 
• Valid for New to DBS/POSB Customers only
• Valid until 31 March 2026
• Read Terms and Conditions here

• Earn 6% cashback on shopping and transport when you spend S$800 per calendar month

Annual Fee

• S$196.20 (including GST), waived for the first year

Income Requirement

• S$30,000 (locals/PRs); S$45,000 (foreigners)

When is Cashback Credited

Terms and Conditions

Read Full Review

FLASH DEAL:

• Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
  • Blind Box 1: Ultimate Tech Vault
  • Blind Box 2: Home Luxe Edit
  • Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

• Get S$340 eCapitaVoucher or 21K HeyMax Miles (worth S$320) or Apple Airpods Pro 3 (worth S$349) or Samsonite STRAREN SPINNER 67/24 (worth S$600) S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval 
• Valid for New to DBS/POSB Customers only
• Valid until 31 March 2026
• Read Terms and Conditions here

S$800 Minimum Spend:

• 10% cash rebates on online food delivery from foodpanda and Deliveroo
• 3% cash rebates on other dining spends
• 5% cash rebates on Malaysia Ringgit spend every Saturday and Sunday
• 5% cash rebates on Online Shopping at selected merchants
• up to 3% cash rebates on Telco Bills
• 8% cash rebates at Popular Bookstores

No Minimum Spend:

• 3% cash rebates on Pet Lovers Centre (Min. S$15 Spend on regular-priced items)
• 5% cash rebates on Sheng Siong
• up to 22.93% on fuel savings when you use it on SPC petrol stations islandwide.
• up to 3% cash rebates on utility bills with selected electricity retailers

Annual Fee

S$196.20 (incl. of GST), waived for the first year.

Income Requirement

S$30,000 and above per annum (locals & PRs); S$45,000 and above per annum (Foreigner)

Where do I redeem my Daily$

You can redeem you Daily$ using various options:

• • Instants Daily$ redemption:
    • Use your Daily$ to offset your purchase instantly in-stores at participating merchants: Sheng Siong, SPC, Watsons, Pet Lovers Centre
  • DBS PayLah!
    • Offset any of your purchases with Daily$ anytime, anywhere. Find out more here
  • Digibank Online
    • Offset your credit card bills or redeem Krisflyer miles. Find out more here
  • Participating Merchants’ Website or Mobile App
    • Use Daily$ to offset your online purchases instantly at participating merchants’ website or mobile app:
      • DBS Apple Rewards Store
      • Shopee
      • Zalora
      • AXS

Know what this card is best for

• Best Cards for Food Delivery
• Best Cards for Petrol 
• Best Cards for Grocery

Terms and Condition

Full Review

• Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
• Remaining applicants will get S$70 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 31 March 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!

• Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

  • Base cashback:
    • S$600/S$1,000: 3.33% cashback (capped at S$60/100 per quarter)
  • Additional cashback (capped at S$120 per statement month):
    • Selected Partners: 5%
    • Grocery (MCC 5411): 2.67% – only for Tier 2

• Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

  • Base cashback: 3.33% cashback (capped at S$200 per quarter)
  • Additional cashback (capped at S$120 per statement month):
    • Selected Partners: 6.67%
    • Grocery (MCC 5411): 4.67%

• Earn up to 22.66% fuel savings at Shell and SPC
• Earn 4.33% cashback on Singapore Power utilities bills

Know what this card is best for:

• Best Cards for Grocery – must be under MCC 5411
• Best Cards for EV Charging – Shell Recharge or SP Group only
• Best Cards for Utilities
• Best Cards for BUS/MRT
• Best Cards for Wedding Banquet
• Best Cards for Petrol
• Best Cards for Food Delivery
• Best Cards for Hospital

Terms and Conditions

Read Full Review

• Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
• Remaining applicants will get S$70 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 31 March 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 1.4 miles per dollar for local spending
• Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
  • 3 miles per dollar on selected currencies:
    • Malaysian Ringgit
    • Indonesian Rupiah
    • Thai Baht
    • Vietnamese Dong
  • 2.4 miles per dollar on other currencies
• Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
• One-way Airport Transfer Service for AMEX Version only
• S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

Annual Fee

• S$261.60, first year waived

Income Requirement

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

Points Expiry

• UNI$ expire two (2) years after the last day of the quarter in which they were earned.

Know what this card is best for

• Best Cards for Airport Lounge
• Best Cards for Flights
• Best Cards for Hotel
• Must be paired with CardUp/iPayMy
  • Best Cards for Insurance
  • Best Cards for Renovations, MCST, donations, Tax, Rent

Terms and Conditions

Read Full Review

• Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
• Remaining applicants will get S$70 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 31 March 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 10% cashback on all online and mobile contactless spend (Apple Pay, Samsung Pay, Fitbit Pay)
• Earn 10% cashback on Selected Gym, Telco, and Streaming Services (NEW!)
• Earn 1% cashback on ALL Overseas Foreign Currency Spends (until 31 December 2025)
• 0.3% cashback for all other spends
• Minimum spend of S$800 each statement month
• S$100 total cashback cap (until 31 December 2025) per statement month, capped at:
  
  • S$30 – online & mobile contactless
  • S$20 – selected gym, telco, and streaming services
  • S$20 – all overseas foreign currency spend
  • S$30 – other spends

• Max possible cashback of 6.4% earned (not 10%)

Annual Fee

• S$196.20 (incl. GST), waived with 3 monthly transactions for 12 consecutive months

Income Requirement

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

Know what this card is best for:

• Best Cards for Kris+
• Best Cards for EV Charging

Terms and Conditions

Read Full Review

• Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
• Remaining applicants will get S$70 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 31 March 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 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

• Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
• Remaining applicants will get S$70 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 31 March 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 1.7% cashback with no minimum spend requirement, no cashback cap, and no spend exclusions
• You can get 0.3% cashback on Grab Top-Up, this is the only card that still give rewards for GarbPay

Annual Fee

• S$196.20 (incl. GST), waived for first year

Income Requirements

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

When is Cashback Credited

• Cashback earned in current statement period is automatically used to offset the following month’s bill

Know what this card is best for

• Best Cards for Education
• Best Cards for Wedding Banquet (Ultimate Card for all Venues)

Terms and Conditions

Read Full Review

• Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
• Remaining applicants will get S$70 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 31 March 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 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
• Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
• No minimum monthly spending required
• Spending Cap:

• • Classic Card: S$1,000
  • Solitaire & Above Card: S$1,500 — spending cap of S$750 per category

Depending on what your planned usage is, you can change the categories every quarter. 

Annual Fee

• S$196.20 (incl. GST), waived for first year

Income Requirement

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

Points Expiry

• They expire 2 years after the final day of each periodic quarter in which they were earned

Know what this cards is best for

• Best Cards for Kris+: Choose Dining or Fashion
• Best Cards for EV Charging: Choose Transport
• Best Cards for Ride-Hailing/Taxi: Choose Transport
• Best Cards for Flights: Choose Travel
• Best Cards for Hotels: Choose Travel
• Best Cards for Online Shopping on Taobao & Lazada (not Shopee): Choose Fashion

Terms and Conditions

Read Full Review

• Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
• Remaining applicants will get S$70 Cash via PayNow 
• Valid for New-to-Bank Cardholders
• Valid from 02 – 31 March 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 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 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
• 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

Read Full Review

• Get up to 31,000 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
  • 24,800 bonus miles
  • 5,000 miles (first-time Singapore Airlines Credit Card applicants only)
  • 1,200 miles from eligible spend
• Only for new-to-bank card holders
• Valid until 11 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

1. S$60 Cashback Bonus
Apply for a new Maybank XL Cashback Card or Maybank XL Rewards Card and get S$60 cashback when you make just one transaction (limited to first 2,000 eligible cardmembers), for the subsequent customers, you’ll get S$10 cashback. The cashback will be credited automatically to your card account.
⚠️ Maybank does not provide visibility on whether you’re within this cap.

2. Complimentary Etiqa Travel Insurance
Get 12 months of Etiqa insurance coverage for overseas medical expenses (including adventurous activities) up to S$5,000. Coverage applies only to accidental injuries and illnesses during leisure trips.

• Valid until 31 July 2026
• ⚠️ Limited to the first 15,000 new XL card applicants.

Read Terms and Conditions

How to Maximise Your Rewards

The XL card’s welcome gift is only S$10 cashback. If you’re new to Maybank and want better sign-up rewards, consider this strategy:

• If you planned to get the XL Cashback Card, apply for the Maybank Family & Friends Card instead (also a cashback card).

• If you planned to get the XL Rewards Card, apply for the Maybank World Mastercard instead (a miles card).

As a new-to-bank customer, applying for another Maybank credit card first could unlock bigger gifts, such as a Samsonite Interlace Spinner 67/24 luggage (worth S$570) when you spend a minimum of S$1,300 in the first two months.

On top of that, the Maybank World Mastercard also makes your miles non-expiring—so you’re building a stronger rewards foundation right from the start.

• Maybank XL Rewards:

  • Earn 4 miles per dollar on bonus categories such as

    • Local currency spend: dining, travel, shopping, play

    • All foreign currency spending

  • Earn 0.4 miles per dollar on other spends

  • Minimum spend of S$500 and a spending cap of S$1,000 per calendar month

• Maybank XL Cashback:

  • Earn 5% cashback on bonus categories such as

    • Local currency spend: dining, travel, shopping, play

    • All foreign currency spending

  • Earn 0.2% cashback on other spends

  • Minimum spend of S$500, spending capped at S$1,600; cashback capped at S$80 per calendar month. Yes, the spending cap is higher than the miles version.

  • Only for Maybank XL Cashback card— Cardmembers who hold a Maybank DUO Platinum Mastercard before 1 August 2025 will receive 5% cashback on petrol transactions in Singapore and Malaysia, with no minimum spend required, as long as their card account is in good standing.

    • Eligible petrol transactions include those made at petrol stations classified under MCC 5541 and 5542, as well as fuel purchases charged to a Diamond Sky Fuel Card (linked to the Mastercard) under MCC 8699.

Annual Fee

• S$87.20 (waived for the first 2 years), can be waived when you perform an annual spend of S$6,000

Age Requirement: 

• 21 to 39 years old

Income Requirement

• S$30,000 (Singaporeans/PRs), S$45,000 (Malaysian), S$60,000 (Foreigners)

Terms and Conditions:

• XL Rewards Card
• XL Cashback Card

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

Promo Details:

• Get up to S$218 cashback (consists of S$188 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 March 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

• 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 31 March 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.

• Receive 200 Max Miles when you sign up, complete phone verification and make 1 confirmed transaction via HeyMax (within 180 days since account creation)

• HeyMax is a Singapore-based rewards platform that lets you earn Max Miles on top of your regular credit card rewards when you spend with linked Visa cards. You can redeem these miles for flights, hotel stays, or cash back through its FlyAnywhere feature.

• The app helps you identify which card gives the best rewards for each merchant, allowing you to maximise every transaction. 

• Receive Samsonite Interlace Spinner 67/24 as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
• Fill up this google form after signing up to qualify for rewards
• Read Terms and Conditions here

• Earn 6% or 8% cashback for five (5) of your chosen spend categories across ten (10) options.
  • Each category has a cashback cap of S$120 or S$180 (which would max out at S$333.33 or S$375 of spending per category)
• Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
• Minimum spend of S$800 (Effective 01 January 2026, these changes will take effect):

• Earn unlimited 0.22% cash rebates on all spends below S$800

Annual Fee

• S$180 (First 3 years free)

Income Requirement

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

How to choose my Categories

• To choose your desired Categories, the Cardmember needs to download the Maybank TREATS SG mobile app, then select and confirm the categories on the Benefit Selection page. This choice will apply to the first Lock-In Period (3 months), and no changes can be made once confirmed; You can change the categories quarterly and you may choose depending on your spending needs. The categories will take effect the following month.

Know what this card is best for

• Best Cards for Kris+ – must choose dining and/or online shopping category
• Best Cards for EV Charging – must choose transport category
• Best Cards for Bus/MRT
• Best Cards for Ride Hailing
• Best Cards for Telco
• Best Cards to pair with Amaze
• Best Cards for Petrol 
• Best Cards for Food Delivery
• Best Cards for Public Transport
• Best Cards for Grocery
• Best Cards for Restaurant

Terms and Conditions

Read Full Review

• Receive Samsonite Interlace Spinner 67/24 as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
• Fill up this google form after signing up to qualify for rewards
• Read Terms and Conditions here

• Earn 4 miles per dollar (10X TREATS Points per S$5) spent at specially selected retail stores, restaurants, and all petrol stations islandwide
• Earn up to 3.2 miles per dollar on foreign currency spend with no cap (3.25% foreign currency fee applies)
  • Earn 3.2 miles per dollar when you spend a minimum of S$4,000
  • Earn 2.8 miles per dollar when you spend a minimum of S$800
  • Earn 0.4 miles per dollar when you spend below S$800
• Earn 0.4 miles per dollar (10X TREATS Points per S$5) on local spend

This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)

Annual Fee

• S$240, waived for the first year

Income Requirement

• S$80,000 (locals/PRs)

Know what this card is best for

• Best Cards for Flights
• Best Cards for Hotel (FCY)
• Best Cards for Petrol 

Terms and Conditions

Read Full Review

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 31 March 2026
• Read Terms and Conditions here

Singsaver Reward:

• Get S$350 Cash via PayNow or S$370 Grab Voucher 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 31 March 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 01 March 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 31 March 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