With the latest promotions now live, here are my top credit card sign-up deals for October 2026.
This month is a little different from August and September. The headline gift values are still strong — with several banks offering gifts worth up to S$799 — but October has become much more interesting if you’re willing to chase flash deals.
I’ve broken down the current offers by bank, including the minimum spending requirement, maximum gift value, flash promotions and any useful ways to stack the deal.
If you’re deciding which credit card to apply for this month, here’s my ranking.
OCBC — Best Overall Deal
ENDS 31 OCT 2026 · 19 DAYS LEFT
OCBC4 cards
Choose 1 GiftSelection form emailed after application
Dyson Airstrait
Retail S$799
An all-in-one hair straightener that dries and straightens hair using powerful airflow with no hot plates.
Dyson V8 Cyclone cordless vacuum
Worth S$559
A lightweight cordless vacuum with powerful suction for everyday whole-home cleaning.
25,000 MaxMiles by HeyMax
Worth S$450 in travel value
Convert to airline miles or retail vouchers with HeyMax
S$400 Shopee Voucher
Worth S$440
extra savings on your next Shopee purchase
S$380 eCapitaVoucher
No bank details needed
Requirements (tap to expand)
- You qualify if: you have no OCBC credit card right now, AND haven't cancelled any OCBC credit card in the last 12 months
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Choose your card
Valid till 31 Oct 2026
Why I Like It
- One of the highest reward values available (up to S$799)
- Lowest spending requirement among the top offers (S$400)
- Straightforward qualification within 30 days
- Selected cards can stack with the OCBC 360 Account, giving you additional upside beyond the sign-up gift
How To Choose
- 365 — 6% on petrol, 5% on dining and 3% on groceries and transport, but needs at least S$800 a month in spend (cap S$80). The everyday all-rounder, and it pairs with the OCBC 360 Account.
- INFINITY — a flat 1.6% unlimited cashback on everything, including overseas spend, with no cap and no minimum. Set-and-forget if you don’t want to track categories.
- 90°N — 1.3 miles per dollar local and 2.1 mpd overseas, no cap, no minimum, and the miles never expire.
- Rewards — 4 miles per dollar on fashion, department stores and platforms like Lazada, Shopee, Taobao and TikTok Shop (cap roughly S$1,100 of spend a month). Best if your spend is concentrated on online shopping.
Citi — Strong All-Round Option
ENDS 15 OCT 2026 · 3 DAYS LEFT
Citi6 cards
Direct
Want a different reward? Apply via Citi Direct below — note: not stackable with the SingSaver gift above (choose one).
Prestige CardSeparate offer — different reward & rules
Requirements (tap to expand)
- Must spend S$14,000 within 2 months from card approval date
Valid till 30 Nov 2026
Why I Like It
- Competitive reward value of up to S$799
- Reasonable spending requirement of S$500 within 30 days
- Wide range of eligible cards covering miles, cashback and everyday spending
How To Choose
- Rewards — 4 mpd on online shopping and department stores (plus online groceries, food delivery and ride-hailing), capped at S$1,000 of spend a month, with no minimum spend. The standout for online spenders.
- PremierMiles — 1.2 mpd local and 2.2 mpd overseas, no cap, no minimum, plus 2 free airport lounge access yearly. The simple flat-rate miles card for travellers.
- Cash Back — 8% on petrol and ride-hailing, 6% on dining and groceries, but needs S$800 a month in spend (cap S$80). For households with large dining and grocery spend.
- Cash Back+ — a flat 1.6% unlimited with no minimum and no cap. The effortless option if you don’t want categories.
- SMRT — 5% on groceries, online shopping, transport and rides, unlocked at just S$500 a month with no monthly cap (only an annual one). Good for lower spenders.
- Prestige — 1.3 mpd local and 2.0 mpd overseas, but the real draw is the 4th Night Free on hotel stays. The annual fee is S$651.82 and generally not waivable, so it only makes sense for frequent hotel bookers.
HSBC - High Value Rewards
ENDS 18 OCT 2026 · 6 DAYS LEFT
HSBC4 cards
Choose 1 GiftSelection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
Dyson Clean+Wash Hygiene hard floor cleaner
Worth S$729
vacuums, washes and removes wet and dry messes in one go
Sony WH-1000XM6 Earphone
Worth S$649
wireless noise-cancelling headphones with premium sound, powerful noise cancellation
28,000 Max Miles by Heymax
Worth S$504
Earns you miles redeemable for flights, hotels, and perks · at HeyMax's published FlyAnywhere rate of 1.8 cents per mile
S$500 Cash
Worth S$450
via PayNow
Requirements (tap to expand)
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Spend min. S$500 by the end of the month after you're approved. Example: approved in May → spend by 30 June.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Choose your card
Currently hold a HSBC credit card issued over 12 months ago? HSBC gives eligible existing cardholders S$50 cashback directly. Please complete the Rewards Redemption Form sent to your email so your application is properly recorded.
If you cancelled a HSBC credit card in the past 12 months, you don't qualify for either reward.
Valid till 18 Oct 2026
Why I Like It
- One of the highest reward values available (up to S$799)
- Low spending requirement of S$500
- Multiple gift choices, including Dyson, Sony, Max Miles and cash
- Longer qualifying period — you have until the end of the following calendar month to hit the spending requirement
How To Choose
- Live+ — up to 8% cashback on dining, shopping and entertainment, but capped at S$250 per quarter and you need to spend at least S$600 a month to unlock it. Best if you have steady dining and shopping spend.
- Revolution — 4 mpd (miles per dollar) on local online and contactless spend on selected MCCs, capped at S$1,000 a month, with no minimum spend and no annual fee.
- TravelOne — 1.2 mpd local and 2.4 mpd on foreign currency, so it’s the one to pick if you spend overseas. Plan to use up the 4 free airport lounge passes yearly.
- Advance — a flat 1.5% on everything (2.5% if you spend over S$2,000 a month), capped at S$70 a month. Simple cashback, best if you already bank with HSBC.
UOB - Fastest Fingers First
ENDS 31 OCT 2026 · 19 DAYS LEFT
UOB7 cards
Choose 1 GiftSelection form emailed after application
S$80 Cash
worth S$80
via PayNow
Requirements (tap to expand)
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Choose your card
Valid till 31 Oct 2026
Why I Like It
- Potential to get up to S$599 in flash rewards
- Reasonable S$500 spending requirement
- Five flash winners every day at 10PM, giving you multiple chances throughout the month
- Multiple eligible UOB cards across miles, cashback and everyday spending
How to Choose
- One — up to 10% cashback on selected everyday spending; requires S$600 monthly spend and 10 transactions.
- Lady’s Card — up to 10 mpd on your chosen bonus category with the UOB Lady’s Savings Account; otherwise up to 4 mpd.
- Visa Signature — up to 4 mpd on eligible overseas, petrol and contactless spend; requires S$1,000 per statement period.
- EVOL — up to 10% cashback on selected online and contactless spending; good for digital and everyday spend.
- Absolute Cashback — 1.7% unlimited cashback, with no minimum spend or cashback cap; simplest cashback option.
- KrisFlyer — up to 3 mpd on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago; ideal for KrisFlyer earners.
- PRVI Miles — 1.4 mpd local, 2.4 mpd overseas, and up to 3 mpd in selected Southeast Asian countries; strong all-round travel card.
DBS/POSB - Rare Deal
ENDS 15 OCT 2026 · 3 DAYS LEFT
DBS/POSB4 cards
Choose 1 GiftSelection form emailed after application
Dyson Cool™ AM07 Tower Fan
Worth S$499
powerful airflow, quiet operation and bladeless design for comfortable cooling
Morning Mini Coffee Machine + 20 Capsules Bundle
Worth S$425
Compact capsule coffee machine with a starter bundle
22,000 Max Miles by HeyMax
Worth S$396
Earns you miles redeemable for flights, hotels, and perks · at HeyMax's published FlyAnywhere rate of 1.8 cents per mile
S$350 Shopee Voucher
Worth S$350
extra savings on your next Shopee purchase
S$320 Cash
Worth S$320
via PayNow
Requirements (tap to expand)
- You qualify if: you have no DBS/POSB credit card right now, AND haven't cancelled any DBS/POSB credit card in the last 12 months
- Enter promo code SINGSAVER during application
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Choose your card
Valid till 15 Oct 2026
No sign-up promo right now.
Why I Like It
- High-value gift options, including the Dyson AM07 Tower Fan worth S$499
- Reasonable S$500 spending requirement
- Multiple gift options including Dyson, Max Miles, Shopee vouchers and cash
- A good range of cards covering miles, cashback and everyday spending
How To Choose
- yuu — up to 18% cashback or 10 mpd at partner merchants like Cold Storage, Giant and Foodpanda, but you need S$800 a month across at least four yuu merchants.
- Altitude — a flat 1.3 mpd local and 2.2 mpd overseas, no cap, no minimum.
- Live Fresh — up to 6% on online shopping and transport, needs S$800 a month. For online shoppers who reliably hit the spend.
- POSB Everyday — The broad everyday card for bills and household spend.
Quick Comparison Table
| Bank | Max Reward | Min Spend | Qualifying Period | Notes |
|---|---|---|---|---|
| OCBC | S$799 | S$400 | 30 days | Lowest spending requirement. Selected cards unlock the Dyson V8 gift option. |
| Citi | S$799 | S$500 | 30 days | Widest card variety across miles, cashback and shopping categories. |
| HSBC | S$799 | S$500 | End of following calendar month | TravelOne: S$196.20 annual fee payable. Must opt in to marketing messages. |
| UOB | S$599 | S$500 | 30 days | S$80 guaranteed, with daily 10PM flash deals for higher-value rewards. |
| DBS | S$599 | S$500 | 30 days | Enter promo code SINGSAVER during application. |
Bottom Line
For the best overall sign-up offer, OCBC leads the pack, thanks to its S$799 maximum reward and the lowest S$400 minimum spend, making it the easiest offer to qualify for while still offering premium gift options such as the Dyson V8.
If you prefer variety and flexibility, Citi is a strong second choice, with a S$799 maximum reward and the widest range of card options across miles, cashback and shopping categories.
Meanwhile, HSBC remains a compelling option with a S$799 reward and a longer spending window, UOB and DBS round out the options with decent rewards and straightforward S$500 spending requirements.
💳 Credit cards change their T&Cs every so often and it’s difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates.
