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Best Cards With No Minimum Spend Required

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Miles Cards

Citi Rewards Card

Apply Here - Direct Bank
Apply Here - Singsaver

Earn 4 miles per dollar on online spend and selected retail

sign-up-deal
card-summary

DBS Woman's World Card

Apply Here

Earn 4 miles per dollar on online spend

sign-up-deal
card-summary
UOB Lady Cardface

UOB Lady's Card

Apply Here

Earn 4 miles per dollar on 1 or 2 chosen categories


sign-up-deal
card-summary

OCBC Rewards Card

Apply Here

Earn 6 miles per dollar on Watsons, Lazada, Shopee, Tiktok Shop, and Taobao (until 31 December 2025) and 4 miles per dollar on Eligible Online and Offline Spends

sign-up-deal
card-summary

Standard Chartered Journey Card

Apply Here - Fee Waiver
Apply Here - Fee Paying

Earn 1.2 miles per dollar on local spend, 2 miles per dollar on foreign currency spend, 3 miles per dollar on selected bonus categories

2 Priority Pass visits per membership year

sign-up-deal
card-summary

HSBC Revolution Card

Apply Here

Earn 4 miles per dollar on selected online and contactless spend (until 31 October 2025)

sign-up-deal
card-summary

Cashback Cards

AMEX True Cashback Card

Apply Here

Earn 1.5% unlimited cashback on almost everything

sign-up-deal
card-summary

DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

sign-up-deal
card-summary

💳 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.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

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

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CREDIT CARDS SIGN UP DEALS

APPLY NOW

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 31, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 31, 2025

APPLY NOW

FILL OUT GOOGLE FORM

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2026

APPLY NOW

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

View all deals

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.

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Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 31, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 31, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2026

APPLY NOW

FILL OUT GOOGLE FORM

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

APPLY NOW

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Copyright @lobangsis @ijusttrylah 2025

Citi Rewards Card

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 31 July 2025
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

  • Get Dyson Airwrap Origin (worth S$549) or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid from 10 July to 31 July 2025
  • 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!
  •  

Citi Rewards Card

  • Earn 4 miles per dollar on online spending, with no minimum spend and a spending cap of S$1,000 per statement month.
  • You can use this card for any online spending inclusive of ride-hailing apps or taxis.
  • Pro tip: Pair this card to Amaze for Overseas Offline Spending
  • Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)

  • Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
    This is on top of 4 miles per dollar on Citi Rewards + Amaze.

 

Annual Fee
  • S$194.40 (First year waived)

 

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

 

Points Expiry
  • After 60 months (5 years) from the date the card is opened (i.e. not from the transaction date)., reward points will expire.

 

Transfer Partners
  • Krisflyer, Flying Blue, British Airways, Thai Royal Orchid, Etihad, Asia Miles, EVA Air, IHG, Qatar Airways, Turkish Airlines, Qantas

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

DBS Woman’s World Card

This card doesn’t offer any sign-up promotions. To make the most of your sign-up rewards, consider applying for the DBS Altitude card first. This is because you can combine points from both DBS cards, and the DBS Altitude card also includes two complimentary airport lounge passes.

DBS Altitude Card

Apply Here - Miles (Visa)
Apply Here - Miles (AMEX)
Apply Here - Physical Gifts

Earn 1.3 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

2 Priority Pass visits per membership year (Visa version only)

sign-up-deal
card-summary

DBS Woman’s World Card

  • Earn 4 miles per dollar (10X DBS points per S$5) spent online, regardless of local or foreign currency. Capped at S$1,500 spending per calendar month
  • Earn 1.2 miles per dollar (3X DBS Points per S$5) spent abroad in-store 
  • No minimum monthly spending required
  • Best used for online or in-app spend (e.g Kris+) locally

 

Annual Fee
  • S$196.20, (First year waived)

 

Income Requirement
  • S$80,000/year (The income requirement is arbitrary – I was approved for the card even though I didn’t meet that income threshold.)

 

Points Expiry
  • 1 year from transaction (therefore you need to be able to earn miles fast or have multiple DBS points earning credit cards). Minimum redemption is 5,000 points (10,000 miles), leaving smaller amounts unusable (you can redeem mall vouchers, if you really need to.)

 

Transfer Partners
  • KrisFlyer, Asia Miles, Qantas Frequent Flyer

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

UOB Lady Cardface

UOB Lady’s Card

NIL

UOB Lady Cardface

UOB Lady’s Card

    • 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$2,000 (wef 1 August 2025, this will be revised to S$1,500. Also, there will be a S$750 spending cap 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

     

    Terms and Conditions

    Read Full Review

    OCBC Rewards Card

      • Receive an Apple Airpods 4 (worth S$199) or Stryv Airflex 2.0 (worth S$369) or S$200 Shopee Voucher or S$160 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
      • Valid from 01 July to 31 July 2025
      • 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!

      OCBC Rewards Card

      • Earn 6 miles per dollar on Watsons, Lazada, Shopee (except Shopee Pay transactions), Tiktok Shop, and Taobao (until 31 December 2025). 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

       

      Terms and Conditions

      Read Full Review

      Standard Chartered Journey Card

        • Receive Samsonite Straren Spinner 67/24 (worth S$600) or 7K Max Miles or S$250 Shopee Voucher or S$180 Cash via PayNow when you spend S$800 within 30 days of card approval
        • Valid from 01 July to 31 July 2025
        • Read Terms and Conditions here
        • Promotion is valid for new to bank credit card holders
        • 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:

        My thoughts: If you were going to apply for this card, you would probably get the better value from choosing the annual fee paying option as you would get extra 20,000 miles for S$196.20, making your cost per mile to be 0.9 cents per mile. Do take note of the minimum spend criteria within 2 months of card approval as well as spending on eligible transactions for your qualifying spend to maximise the sign up rewards.

        Standard Chartered Journey Card

        • 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

         

        Annual Fee
        • S$196.20 (incl. 9% GST), should be waivable

         

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

         

        Points Expiry
        • The points never expire

         

        Transfer Partners
        • Krisflyer & Cathay Pacific Asia Miles
         
        Know what this card is best for:

         

        Terms and Conditions

        Full Review

        HSBC Revolution Card

        • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
        • Valid from from 01 July to 31 July 2025
        • 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.

         

        For Existing HSBC Cardholders:

        • Get S$50 cashback when you spend S$500 by the end of the following month
        • Valid until 31 August 2025
        • 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

        HSBC Revolution Card

        • Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month
        • The categories include:
          • Department Stores and Retail Stores
          • Dining (excluding hotel dining)
          • Transportation & Membership Clubs
          • Travel-Related (until 31 October 2025 only)
        • You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,000 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 October 2025. 

         

        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. 

         

        Annual Fee
        • None

         

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

         

        Points Expiry
        • 37-month period, starting from the month after the month in which the points were acquired

         
        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:

         

        Terms and Conditions

        Read Full Review

        AMEX True Cashback Card

            • Receive Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval
            • Valid from 21 April to 30 July 2025
            • Promotion is valid for new to bank credit card holders
            • Read Terms and Conditions here
            • Must fulfill spending requirement to receive gift confirmation

            AMEX True Cashback Card

            • Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap
            • Best used on commonly excluded merchants
             
            Annual Fee
            • S$174.40 (incl. of 9% GST) waived for the first year
             
            Income Requirement
            • S$30,000 (locals/PRs); S$45,000 (foreigners)
             
            When is Cashback Credited
            • Receive cashback in the same month’s statement
             
            Know what this card is best for

            Terms and Conditions

            Read Full Review

            DCS Ultimate Platinum Card

            NIL

            DCS Ultimate Platinum Card

            • Earn 2% cashback with no minimum spend required and a maximum monthly spend of S$10,000 per calendar month
             
            Annual Fee
            • S$196.20 (inclusive of GST), first year waived
             
            Income Requirement
            • S$30,000 or S$15,000— age 55 & above (locals/PRs); S$60,000 (foreigners)
             
            Know what this card is best for

            Terms and Conditions

            Read Full Review

            maybank xl cardface

            Maybank XL Rewards/Cashback Card

            To maximize perks, consider doing this strategy of applying to other Maybank cards first. Apply for the Maybank Family & Friends Card (if you’re eyeing the XL Cashback) or the Maybank World Mastercard (for XL Rewards). These unlock stronger sign-up bonuses and complementary benefits later on.

            • Receive a Samsonite ENOW Spinner (worth S$570) when you spend S$1,300 (or S$1,200 with CreditAble application) within two months on your first card—then apply for your chosen XL card to get 12 months of complimentary travel insurance.
            • Read Terms and Conditions here
            • Fill up this google form after signing up to qualify for rewards

             

            Apply for a Different Card First: If you’re eyeing the XL card, consider starting with another Maybank card to make the most of your sign-up bonus. Going for the Maybank World Mastercard or the Family & Friends Card first can unlock more valuable perks—like non-expiring miles through Rewards Infinite Membership or higher everyday cashback. It’s a smart way to maximise your rewards right from the start.

              Maybank Family & Friends Card

              Step 1: Apply Now
              Step 2: Google Form

              Earn 8% cashback for five of your chosen categories.


              sign-up-deal
              card-summary

              Maybank World Mastercard

              Step 1: Apply Now
              Step 2: Google Form

              Earn 4 miles per dollar on selected petrol stations islandwide and up to 3.2 miles per dollar on foreign currency spend 

              sign-up-deal
              card-summary
              maybank xl cardface

              Maybank XL Rewards/Cashback Card

                • 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:

                 

                Read Full Review

                DCS Flex Card

                NIL

                DCS Flex Card

                • You can choose from three (3) reward options: Miles, Cash Rebates, or Investment
                • Earn up to 2.4 miles per dollar
                • Earn up to 8% cash rebates
                • Earn up to 8% investment credits
                • Minimum monthly spend of S$600
                • Capped at:
                  • Miles: 750 miles per category; total 3,000 miles for all 4 categories
                  • Cash Rebates: S$25 per category, total S$100 for all 4 categories
                  • Investment Credits: S$25 per category, total S$100 for all 4 categories

                 

                Annual Fee
                • Monthly service fee of S$15, (first year waived; afterwhich, you can perform minimum 5 transactions per month to waive the monthly fee) – effective 1 July 2025, this will be decreased to S$10

                 

                Income Requirement
                • S$30,000 (locals/PRs) or S$15,000 (aged 56 and above); S$60,000 (foreigners)

                 

                Where and how will I receive the miles/cashback/investment credits
                • Miles are credited to your Miles holding account and can be transferred to your Krisflyer account in multiple of 5,000 miles. A conversion fee of S$25 (subject to GST) applies for each redemption request and the process make take up to 15 working days.
                  • Here’s how to redeem:
                    • Open the DCS Cards App and go to the Rewards Tracker screen
                    • Tap “Redeem” or “Redeem Miles” on the Benefit History screen
                    • Choose a redemption amount or enter a custom amount in multiples of 5,000 miles, then tap “Confirm.”
                • Cash Rebates will be credited on your card account in the following statement, applied to offset the billed amount.
                • Investment Credits will be deposited to your designated iFast account on the following month.
                 
                Know what this card is best for


                Terms and Conditions
                Read Full Review

                UOB Evol Card

                • Get S$140 Cash via PayNow or S$160 Shopee Vouchers when you spend S$500 on overseas spend in foreign currency (including online) in the first month from card approval date
                • Valid from 22 July to 31 July 2025
                • 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!

                 

                Stackable with Direct Bank Rewards:

                • Get Apple Watch SE 2nd Gen (worth S$382.50)
                • Valid for new-to-UOB credit card customers only.
                • Be one of the first 60 customers to apply and get approved, register for the promo via SMS, and make a min. spend of S$800 per month for 2 consecutive months from card approval date
                  • SMS Registration: EVOLGIFT<space>Last 4 alphanumeric characters of your NRIC send to 77862
                • Read Terms and Conditions here

                UOB Evol Card

                • 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

                 

                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:

                 

                Terms and Conditions

                Read Full Review

                UOB Krisflyer Card

                NIL

                UOB Krisflyer Card

                • Earn uncapped 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 
                • Earn 2.4 miles per dollar on eligible everyday spends with a minimum spend of S$1,000 on SIA-related spends in a card membership year
                • Earn 1.2 miles per dollar on all other purchases

                 

                Annual Fee
                • S$194.40 (incl. GST), waived for first year

                 

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

                 

                Know what this card is best for

                 

                Terms and Conditions

                Read Full Review

                Maybank Family & Friends Card

                • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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

                Maybank Family & Friends Card

                • Earn 8% cashback for five (5) of your chosen spend categories across ten (10) options.
                  • Each category has a cashback cap of S$25 (which would max out at S$312.50 of spending per category)
                • Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
                • Minimum spend of S$800
                • Each category has a cashback cap of S$25 (total of S$125 for 5 categories)
                • Earn unlimited 0.3% 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

                 

                Terms and Conditions

                Read Full Review

                Citi Cashback Card

                Option 1: Direct Bank Promotion

                • Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval
                • Valid til 31 July 2025
                • Read Terms and Conditions here

                 

                Option 2: Singsaver Promotion

                • Get Dyson Airwrap Origin (worth S$549) or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
                • Valid from 10 July to 31 July 2025
                • 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!
                •  

                Citi Cashback Card

                • 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:

                Terms and Conditions

                Read Full Review

                OCBC 365 Card

                  • Receive an Apple Airpods 4 (worth S$199) or Stryv Airflex 2.0 (worth S$369) or S$200 Shopee Voucher or S$160 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
                  • Valid from 01 July to 31 July 2025
                  • 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!

                  OCBC 365 Card

                  • 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
                   
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                  Terms and Conditions

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                  uob ppv cardface

                  UOB Preferred Platinum Visa

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                  uob ppv cardface

                  UOB Preferred Platinum Visa Card

                    • Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,110 per calendar month
                    • Earn 0.4 miles per dollar on other spendings
                    • 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.

                     

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                    CIMB Visa Signature Card

                    • Get S$50 Cash via PayNow when you spend a minimum of S$108 within 30 days of card approval
                    • Valid from 01 July to 31 July 2025
                    • 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!

                     

                    Stackable with Direct Bank Rewards:

                    • Receive Up to S$188 Cashback
                    • Apply for select CIMB credit cards and make minimum spends to be eligible for reward:
                      • Make a minimum spend of S$108 within 30 days of card approval date to receive S$88 Cashback
                      • Make a minimum spend of S$988 within 60 days of card approval date to receive additional S$100 Cashback (S$188 total)
                    • Promotion is valid until 31 July 2025
                    • Promotion is valid for new CIMB credit cardmembers only
                    • Read Terms and Conditions here

                    CIMB Visa Signature

                    • Earn 10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises with a minimum spend of S$800, capped at S$100 per statement month (S$20 per category)
                    • Earn 0.2% cashback on all other spend with no minimum spend
                    Annual Fee
                    • Free for life for all Principal and Supplementary cards
                     
                    Income Requirement
                    • S$30,000 (locals/PRs & Foreigners)
                     
                    When is Cashback Credited
                    • Cashback will be credited to the cardmember’s account on a monthly basis in the following statement month
                     
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                    DBS Altitude Card

                    Miles:
                    • Get 38,000 miles when you use the promo code: ALT38, pay the annual fee, and spend S$800 within 60 days from card approval date. 
                    • Get 28,000 miles when you use the promo code: ALTW28, choose not to pay the annual fee, but must spend S$800 within 60 days from card approval
                    • Valid until 31 August 2025
                    • Read Terms and Conditions here
                     
                    Physical Gifts:
                    • Get one of these gifts when you apply with the promo code and spend S$500 within 30 days from card approval:
                    Gift
                    Promo Code
                    ErgoTune Vesby (worth S$899)
                    SSJUL1
                    Sony PlayStation® 5 Digital Slim (worth S$669)
                    SSJUL2
                    Dyson Digital Slim Submarine™ (worth S$699)
                    SSJUL3
                    Apple iPad 11″ (A16) Wi-Fi 256GB (worth S$649)
                    SSJUL4
                    S$500 eCapitaVoucher
                    SSJUL5

                    DBS Altitude Card

                    • 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

                     

                    Annual Fee
                    • S$196.20 (inclusive of GST), first year waived

                     

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

                     

                    Points Expiry
                    • No expiry

                     

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                    Maybank World Mastercard

                    • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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

                    Maybank World Mastercard

                    • 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)

                     

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