Best Cards For

• 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

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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