Inside a modern airport terminal with shops large windows and travelers walking

Best Cards For Airport Lounges Passes

Miles Cards

Citi Prestige Cardface

Citi Prestige Card

Earn 1.3 miles per dollar on local spend and 2 miles per dollar on foreign currency spend

12 Priority Pass visits per calendar year

DBS Vantage Cardface

DBS Vantage Card

Earn 1.5 miles per dollar (or 1.5% cashback) on local spend, 2.2 miles per dollar (or 2.2% cashback) on foreign currency spend

10 Priority Pass visits per membership year

HSBC TravelOne Card

Earn 1.2 miles per dollar on local spend and 2.4 miles per dollar for foreign currency spend

4 Dragon Pass visits per calendar year

UOB PRVI Card

UOB PRVI Card

Earn 1.4 miles per dollar on local spend and up to 3 miles per dollar on foreign currency spend

4 Priority Pass visits per calendar year

DBS Altitude Card

DBS Altitude Card

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)

Standard Chartered Journey Card

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

Citi PremierMiles Card

Citi PremierMiles Card

Earn 1.2 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

2 Priority Pass visits per calendar year

💳 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.

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lobangsis

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lobangsis

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

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Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstraitâ„¢ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 2026

OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

HSBC Revolution

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstraitâ„¢ straightener or 22k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: May 3, 2026

Citi Cashback

Get 22,000 HeyMax Miles or Dyson Airstraitâ„¢ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 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.

Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstraitâ„¢ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 2026

ocbc infinity

OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

HSBC Revolution

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstraitâ„¢ straightener or 22k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: May 3, 2026

Citi Cashback

Get 22,000 HeyMax Miles or Dyson Airstraitâ„¢ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 2026

Citi Prestige Card

Direct Bank Promotion

    • Receive up to 112,500 ThankYou Points in Welcome Gift when you pay annual fee upon card approval & spend S$14,000 in the first 2 months of card approval
    • Read Terms and Conditions here
    • Valid until 27 January – 30 June 2026
    • Eligible for new main Citi Prestige Card members (if you hold other Citibank cards but have not held a Citi Prestige card over the last 12 months, you are considered new to Citi Prestige)

     

     

    Citi Prestige Card

    • Earn up to 2 miles per dollar (5 Citi ThankYou Points) spend overseas and 1.3 miles per dollar (3.25 Citi ThankYou Points) locally. You can also access exclusive benefits such as 4th night complimentary night stay, 12 priority visits per calendar year, 6 complimentary golf games, and dining experiences. The earn rate is enhanced with bonus ThankYou Points when you hold a Citi bank account for a period of time.
    • Points has no cap and expiry

     

    Annual Fee
    • S$651.82 (Non-Waivable)

     

    Income Requirement
    • S$120,000 (locals/PRs & foreigners)

     

    Points Expiry
    • ThankYou points do not expire

     
    Transfer Partners
    • Singapore Airlines, 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 Vantage

    NIL

    DBS Vantage Card

    • Earn 1.5 miles or 1.5% cashback per dollar; 3.75 DBS Points for every S$5 spent locally, such as groceries, shopping and more  and 2.2 miles or 2.2% cashback per dollar; 5.5 DBS Points for every S$5 spent on overseas purchases in foreign currency

    • This comes with ten (10) free airport lounge visits per membership year

    • This is also best used with CardUp to pay for expenses that typically don’t earn miles, you basically pay a service fee to charge those payments to your DBS Vantage card and accumulate rewards. This is similar to “buying” miles.

     

    Annual Fee
    • S$599.50 (incl. of GST)
    • The first year’s fee is non-waivable. Subsequent years’ fees can be waived if cardholders spend at least S$60,000 per membership year.


    Income Requirement
    • S$120,000 (locals/PRs & foreigners)


    When is Points Credited
    • This usually credits when the transaction posted, usually takes 24 hrs or in some, it could take 2-3 days.

     

    Transfer Partners
    • Krisflyer, Cathay Pacific Asia Miles, Qantas, Air Asia

     

    Know what this card is best for:


    Terms and Conditions

    Read Full Review

    HSBC TravelOne Card

    • Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstraitâ„¢ straightener (worth S$799) or 22,000 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 03 May 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.

     

    For Existing HSBC Cardholders:

    • Get Up to 24,000 miles when you pay the annual fee and spend S$1,000 by the end of the following month
    • Valid until 03 May 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 Live+ Card and you apply for HSBC TravelOne, 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 TravelOne Card

    • Earn 2.4 miles per dollar on foreign currency spend, and 1.2 miles per dollar on local spend. This card is best for travelers due to the fact that it has twice more than the usual lounge passes that you can acquire in other similar earn rate entry level credit cards; you are entitled to 4 free airport lounge visits (via DragonPass) per calendar year! Plus, it has an extensive list of transfer partners allowing flexibility.
     
    Annual Fee
    • S$196.20 (inclusive of GST), first year free waiver
     
    Income Requirement

    • The amount of Total Relationship Balance—combined value of your deposits, investments, and insurance with HSBC, based on average monthly balance over the last 3 months— will determine the income requirement
      • Less than S$50,000 TRB 
        • Salaried (locals/PRs): S$65,000 
        • Self-Employed/Commission-based (locals/PRs): S$65,000
        • Foreigners: S$65,000
      • S$50,000 and above TRB
        • Salaried (locals/PRs): S$30,000 
        • Self-Employed/Commission-based (locals/PRs): S$40,000
        • Foreigners: S$65,000
           
    Points Expiry
    • After 37 months
     
    Transfer Partners
    • Asia Miles, Vietnam Airlines, British Airways, EVA Air, Qantas, Air Asia, Flying Blue, Krisflyer, Fortune Wings Club, Turkish Airlines, United Mileage Plus, Air Canada, Qatar Airways, Japan Airlines
     
    Know what this card is best for:

    Terms and Conditions

    Read Full Review

    UOB PRVI Card

    • First eligible applicant at 2pm and 10pm daily to claim the below reward:
      • 01 – 15 April 2026
        • 2PM – S$500 Cash via PayNow  
        • 10PM – Dyson Airstrait (cost S$400, worth S$799)
      • 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!

    UOB PRVI Card

    • 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

     

    Terms and Conditions

    Read Full Review

    DBS Altitude Card

    • Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval 
    • Valid for New to DBS/POSB Customers only
    • Valid until 15 April 2026
    • Read Terms and Conditions here

    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

     

    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review

    Standard Chartered Journey Card

      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 03 May 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 30 June 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.

      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

      Citi PremierMiles Card

      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

          • Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstraitâ„¢ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$450 Grab Voucher or S$420 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
          • Valid until 12 April 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!

          Citi PremierMiles Card

          • 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!

           

          Annual Fee
          • S$196.20, waived for the first year

           

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

           

          Points Expiry
          • The Citi Miles never expire

           

          Transfer Partners
          • Singapore Airlines, Flying Blue, British Airways, Thair Airways, Etihad, Asia Miles, EVA Air, Qantas, Qatar Airways, Turkish Airlines, IHG

           

          Know what this card is best for:

           

          Terms and Conditions

          Read Full Review

          UOB Lady Cardface

          UOB Lady’s Card

          • First eligible applicant at 2pm and 10pm daily to claim the below reward:
            • 01 – 15 April 2026
              • 2PM – S$500 Cash via PayNow  
              • 10PM – Dyson Airstrait (cost S$400, worth S$799)
            • 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!
          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$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

             

            Terms and Conditions

            Read Full Review

            UOB Visa Signature Cardface

            UOB Visa Signature

            • First eligible applicant at 2pm and 10pm daily to claim the below reward:
              • 01 – 15 April 2026
                • 2PM – S$500 Cash via PayNow  
                • 10PM – Dyson Airstrait (cost S$400, worth S$799)
              • 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!
            UOB Visa Signature Cardface

            UOB Visa Signature

              • 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

              uob ppv cardface

              UOB Preferred Platinum Visa

              NIL

              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$1,200 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:

                 

                Terms and Conditions

                Read Full Review

                Maybank Family & Friends Card

                • 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

                Maybank Family & Friends Card

                • 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):
                Tier
                Minimum Spend
                Cap per Category
                Tier 1 – 6% cashback
                S$800 per calendar month
                S$20 (max S$333.33 spend)
                Tier 2 – 8% cashback
                S$1,600 per calendar month
                S$30 (max S$375 spend)
                Base cashback will also drop from 0.3% to 0.22% for all other spend.
                • 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

                 

                Terms and Conditions

                Read Full Review

                Citi Cashback Card

                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

                • Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstraitâ„¢ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$450 Grab Voucher or S$420 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
                • Valid until 12 April 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!

                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

                • Get Dyson Airstrait (worth S$799) or 22,000 HeyMax Miles (worth $600) or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle (worth S$529) or S$400 Cash via PayNow when you S$400 within 30 days from card approval
                • Valid until 03 May 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!

                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
                 
                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

                DBS Altitude Card

                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)

                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$1,000 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

                 

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                Terms and Conditions

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                UOB One Card

                • First eligible applicant at 2pm and 10pm daily to claim the below reward:
                  • 01 – 15 April 2026
                    • 2PM – S$500 Cash via PayNow  
                    • 10PM – Dyson Airstrait (cost S$400, worth S$799)
                  • 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!

                UOB One Card

                • 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%

                Tier 1
                Tier 2
                Tier 3
                Minimum Spend
                S$600
                S$1,000
                S$2,000
                Minimum Transaction Count
                10
                10
                10
                Base Cashback per quarter
                3.33% (S$60 cashback)
                3.33% (S$100 cashback)
                3.33% (S$200 cashback)
                Additional Cashback on Selected Spends
                5%
                5%
                6.67%
                Additional Cashback on Grocery Spend New
                2.67%
                4.67%
                Total
                up to 8.33%
                up to 8.33%
                up to 10%
                These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025)
                • Earn up to 22.66% fuel savings at Shell and SPC
                • Earn 4.33% cashback on Singapore Power utilities bills

                 

                Annual Fee
                • S$196.20, waived for the first year

                 

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

                 

                When Cashback is Credited
                • The Quarterly Cashback for a given a quarter will be credited to the card account in the next statement month following the end of that quarter.

                 

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                POSB Everyday Card

                • Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval 
                • Valid for New to DBS/POSB Customers only
                • Valid until 15 April 2026
                • Read Terms and Conditions here

                POSB Everyday Card

                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

                 

                 

                Terms and Condition

                Full Review

                HSBC Live+ Card

                • Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstraitâ„¢ straightener (worth S$799) or 22,000 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 03 May 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.

                 

                For Existing HSBC Cardholders:

                • Get S$50 cashback when you spend S$500 by the end of the following month
                • Valid until 03 May 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

                HSBC Live+ Card

                • Earn 5% cashback capped at S$3,125 spending on dining, entertainment, and shopping categories.
                • There is a minimum spend required monthly of S$600 in each quarter, per calendar month but it is easy to hit the amount of spending with just one category. This means that you could spend S$600 on dining category in Jul, S$600 in shopping category in Aug, S$600 in entertainment category in Sept and receive your full 5% cashback.

                Pro-tip: You can buy vouchers via heymax to clock the minimum spending or for large electronic purchases at Courts, Best Denki or furniture purchases at IKEA.

                 

                Annual Fee
                • S$196.20 (first year waived) (For subsequent years, you can request for a waiver)

                 

                Income Requirement

                • The amount of  Total Relationship Balance—combined value of your deposits, investments, and insurance with HSBC, based on average monthly balance over the last 3 months— will determine the income requirement
                  • Less than S$50,000 TRB 
                    • Salaried (locals/PRs): S$65,000 
                    • Self-Employed/Commission-based (locals/PRs): S$65,000
                    • Foreigners: S$65,000
                  • S$50,000 and above TRB
                    • Salaried (locals/PRs): S$30,000 
                    • Self-Employed/Commission-based (locals/PRs): S$40,000
                    • Foreigners: S$65,000
                       
                When is Cashback Credited
                • It will be credited within 2 months, after the end of each calendar quarter.

                 

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                Terms and Conditions

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