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Best Cards With No Minimum Spend Required

Updated August 13, 2026

Miles Cards

ENDS 31 AUG 2026 · 18 DAYS LEFT
Rewards Card
Citi Rewards Card
Direct (Citi)
40,000 Bonus Citi ThankYou Points
Requirements
  • Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
  • Spend S$800 in the first 2 months of card approval
Read full fine print →
Valid till 30 Sep 2026
Via SingSaver
🎁 Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
S$440 Grab Voucher
worth S$440
Use on Grab rides, GrabFood, GrabMart, and other Grab services.
S$400 Cash via PayNow
No bank details needed
Requirements
  • You qualify if: you have no Citibank credit card right now AND haven't cancelled any Citi credit card in the last 12 months
  • 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.
Read full fine print →
Valid till 31 Aug 2026
Why pick this card
4 mpd on any online transaction + offline fashion & department stores. No minimum spend.
Woman's World Mastercard
DBS Woman's World Mastercard
Why pick this card
10X DBS Points (4 mpd) on all online spending (cap S$1,000/month).
ENDS 31 AUG 2026 · 18 DAYS LEFT
Lady's Card
UOB Lady's Card
🎁 Choose 1 Gift Selection form emailed after application
S$95 Cash
worth S$95
via PayNow
💡 The first 3 eligible applicants at 2PM daily will get S$400 Cash via Paynow or Dyson Airstrait Straightener worth S$799
Valid till 31 Aug 2026
Requirements
  • 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.
Read full fine print →
Why pick this card
4 mpd on your chosen category. Bonus 2-6 mpd when paired with UOB Lady's Savings Account.
ENDS 31 AUG 2026 · 18 DAYS LEFT
Rewards Card
OCBC Rewards Card
🎁 Choose 1 Gift Selection 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.
25,000 MaxMiles by HeyMax
Worth S$600 in travel value
Convert to airline miles or retail vouchers with HeyMax
Dyson V8 Cyclone cordless vacuum
Worth S$559
A lightweight cordless vacuum with powerful suction for everyday whole-home cleaning.
Sony WF-1000XM6 (Earbuds) + S$50 eCapitaVoucher
Worth S$529
Great gadget and voucher bundle
S$400 Cash via PayNow
No bank details needed
💡 The first 5 eligible applicants at 2PM, 8PM, and 10PM will receive additional S$61 cash on top of the chosen gift! Running from 4-11 August only!
Valid till 31 Aug 2026
Requirements
  • 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.
Read full fine print →
Why pick this card
6 mpd on Watsons, Lazada, Shopee, Taobao & Tiktok Shop (until 30 Jun 2026).
ENDS 31 AUG 2026 · 18 DAYS LEFT
Journey Credit Card
Standard Chartered Journey Credit Card
🎁 Choose 1 Gift Selection form emailed after application
Samsonite Straren Spinner 67/24
Retail S$600
Hardside spinner luggage (medium)
Samsung Galaxy Buds4 Pro
Retail S$349
Wireless earbuds
12,000 Max Miles by HeyMax
Worth S$210+
Convert to airline miles — roughly a KL roundtrip
S$180 Cash via PayNow
No bank details needed
💡 Earn extra KrisFlyer miles from SCB directly — on top of the SingSaver gift above. The amount depends on which Apply button you choose:
Fee Waiver → 20,000 KrisFlyer miles (spend S$800 within 60 days)
Fee Paying (S$196.20 annual fee) → 30,000 KrisFlyer miles (spend S$800 within 60 days)
Valid till 31 Aug 2026
Requirements
  • You qualify if: you have no SCB credit card right now, AND haven't cancelled any SCB credit card in the last 12 months
  • Spend min. S$800 within 30 days of card approval
  • Also apply for 1 additional Standard Chartered product — choose from: a Bonus$aver savings account, a CashOne personal loan, an EasyPay 6-month instalment plan, or a CCFT (Credit Card Funds Transfer). Any one counts.
  • 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.
Read full fine print →
Why pick this card
Up to 3 mpd on online transport, food delivery & groceries. 2 free Priority Pass lounge visits yearly.
ENDS 16 AUG 2026 · 3 DAYS LEFT
Revolution Credit Card
HSBC Revolution Credit Card
🎁 Choose 1 Gift Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
Sony WF-1000XM6 (Earbuds) + S$50 eCapitaVoucher Bundle
Worth S$529
Amazing earbuds and voucher bundle
S$461 Cash
Worth S$461
via PayNow
Valid till 16 Aug 2026
Requirements
  • 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.
Read full fine print →
Why pick this card
4 mpd on contactless, travel & online spend. Up to 8 mpd for HSBC EGA customers (S$50K ADB).
Currently hold a HSBC credit card issued over 12 months ago? Apply here → 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.

Cashback Cards

True Cashback Card
AMEX True Cashback Card
Why pick this card
Flat 1.5% unlimited cashback on almost all spend.
Ultimate Platinum Card
DCS Ultimate Platinum Card
Why pick this card
Earn rates on qualifying spend.

💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.

💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

author avatar
Audz

Audz, your lobang sis - sharing personal finance to achieve happiness, prosperity and progress for us all.

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Prestige Card
CitiPrestige Card

4th Night Free hotel + complimentary limo rides + 12 Priority Pass lounges yearly. S$120k income, S$651.82 annual fee.

🎁 Direct Bank Reward

  • Get up to 112,500 ThankYou points
Apply Now →
📅 Valid till 30 Nov 2026
Krisflyer Credit Card
UOBKrisflyer Credit Card

Up to 3 KrisFlyer miles per S$1 on SIA/Scoot/KrisShop.

🎁 Choose 1 Gift

  • S$95 Cash
The first 3 eligible applicants at 2PM daily will get S$400 Cash via Paynow or Dyson Airstrait Straightener worth S$799
Apply Now →
📅 Valid till 31 Aug 2026
Rewards Card
CitiRewards Card

4 mpd on any online transaction + offline fashion & department stores. No minimum spend.

🎁 Choose 1 Gift

  • Dyson Airstrait™ Straightener
  • 25,000 Max Miles by Heymax
  • Dyson V8 Cyclone Vacuum Cleaner
  • Galaxy Buds 4 Pro + S$150 eCapitaVoucher
  • S$480 Cash via PayNow
Apply Now →
📅 Valid till 31 Aug 2026

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

🎁 29 deals