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Best Cards For Bus/Mrt Rides

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Miles Cards

UOB Lady Cardface

UOB Lady's Card

Apply Here

Earn 4 miles per dollar on 1 or 2 chosen categories


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card-summary

UOB Krisflyer Card

Apply Here

Earn uncapped 3 miles per dollar on SIA group spend and 2.4 miles per dollar on dining, online shopping, transport & select travel with min. S$1,000 SIA spend/year.

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card-summary
UOB Visa Signature Cardface

UOB Visa Signature Card

Apply Here

Earn 4 miles per dollar on Overseas, Petrol, and Contactless Transactions (including SimplyGo)

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card-summary
uob ppv cardface

UOB Preferred Platinum Visa Card

Apply Here

Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment

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card-summary

Cashback Cards

UOB One Card

Apply Here

Earn at least up to 10% cashback on most local spend

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card-summary

Maybank Family & Friends Card

Step 1: Apply Now
Step 2: Google Form

Earn 8% cashback for five of your chosen categories.


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card-summary

DCS Flex Card

Apply Here

Earn up to 8% cash rebates (best value), 2.4 miles per dollar, or 8% investment credits

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card-summary

DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

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card-summary
dbs yuu new cardface

DBS yuu Card

Apply Here - New to Bank (Visa)
Apply Here - New to Bank (AMEX)
Apply Here - Existing DBS/POSB Cardholders (Visa)
Apply Here - Existing DBS/POSB Cardholders (AMEX)

Earn up to 18% cash rebate or 10 miles per dollar at yuu merchants 

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card-summary

UOB Evol Card

Apply Here

Earn max possible 6.4% cashback on all online and mobile contactless spend and gym, telco, and streaming services

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card-summary

POSB Everyday Card

Apply Here

Earn up to 10% cash rebates on selected categories on local spend

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card-summary

DBS Live Fresh Card

Apply Here

Earn 6% cashback on shopping and transport

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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

HSBC Revolution

Get S$100 eCapitaVoucher + AirPods Pro 3 or Apple iPad (A16) 11" Wi-Fi 128GB or S$500 eCapitaVoucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: November 21, 2025

dbs yuu cardface

APPLY NOW - VISA

APPLY NOW - AMEX

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: DBSYUU) when you spend S$800 within 60 days of card approval + have a PayLah! acct. within the qualifying period

Valid till: December 31, 2025

APPLY NOW

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Shark EVOPOWER SYSTEM IQ Cordless Vacuum or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$500 eCapitaVoucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: November 21, 2025

APPLY NOW

HSBC Live+

Get S$100 eCapitaVoucher + AirPods Pro 3 or Apple iPad (A16) 11" Wi-Fi 128GB or S$500 eCapitaVoucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: November 21, 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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HSBC Revolution

Get S$100 eCapitaVoucher + AirPods Pro 3 or Apple iPad (A16) 11" Wi-Fi 128GB or S$500 eCapitaVoucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: November 21, 2025

APPLY NOW

dbs yuu cardface

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: DBSYUU) when you spend S$800 within 60 days of card approval + have a PayLah! acct. within the qualifying period

Valid till: December 31, 2025

APPLY NOW - VISA

APPLY NOW - AMEX

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Shark EVOPOWER SYSTEM IQ Cordless Vacuum or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$500 eCapitaVoucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: November 21, 2025

APPLY NOW

HSBC Live+

Get S$100 eCapitaVoucher + AirPods Pro 3 or Apple iPad (A16) 11" Wi-Fi 128GB or S$500 eCapitaVoucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: November 21, 2025

APPLY NOW

UOB Lady Cardface

UOB Lady’s Card

Flash Deal:

  • Get Apple iPhone 17 256 GB (Worth S$1,299) when your are the first successful new-to-bank cardholders at 12PM daily and spend S$500 within 30 days of card approval
  • Remaining applicants will receive the existing rewards
  • Valid until 30 November 2025

 

Existing Rewards:

  • Get S$60 Cash via PayNow when you spend S$500 in the first 30 days from card approval date
  • Valid until 30 November 2025
  • Valid for New-to-Bank Cardholders
  • Read Terms and Conditions here
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 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

    UOB Visa Signature Cardface

    UOB Visa Signature

    • Get S$350 cash credit when you successfully apply, part of the first 200 new-to-UOB credit card customer and spend S$1,000 per month for 2 consecutive months
    • Valid until 31 August 2025
    • Read Terms and Conditions here
    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

        UOB One Card

        Flash Deal:

        • Get Apple iPhone 17 256 GB (Worth S$1,299) when your are the first successful new-to-bank cardholders at 12PM daily and spend S$500 within 30 days of card approval
        • Remaining applicants will receive the existing rewards
        • Valid until 30 November 2025

         

        Existing Rewards:

        • Get S$60 Cash via PayNow when you spend S$500 in the first 30 days from card approval date
        • Valid until 30 November 2025
        • Valid for New-to-Bank Cardholders
        • Read Terms and Conditions here

        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.

         

        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 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

        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

        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

        dbs yuu new cardface

        DBS yuu Card

        • Get S$300 cashback + S$80 Esso Fuel Discount Voucher when you apply with promo code: DBSYUU and spend atleast S$800 within 60 days from card approval + have a valid DBS PayLah! account by the end of the qualifying spend period
        • Valid until 31 December 2025
        • Read Terms and Conditions here
         
        Existing Cardholders:
        •  Get S$80 Esso Fuel Discount Voucher with no minimum spend and promo code
        • Valid until 31 December 2025
        • What counts as Existing Cardholders:
          • Customers who currently have a Principal DBS/POSB Credit Card or have cancelled any Principal DBS/POSB Credit Card within the last 12 months.
        • Read Terms and Conditions here
        DBS Yuu Cardfdace

        DBS yuu Card

        • Enjoy base award of 10 yuu points per dollar spent (equivalent to 5% rebates or 2.78 miles per dollar) at yuu merchants with no minimum spend and no cap

        • Enjoy additional bonus award of 26 yuu points per dollar spent (equivalent to 13% rebates or 7.22 miles per dollar) at yuu merchants when you hit S$800 total qualified spend in a calendar month, capped at 28,800 points per calendar month. This means the spending cap for the bonus earn rate is at S$800. 

        • Earn 0.5 yuu point per dollar spent (equivalent to 0.25% rebates or 0.14 miles per dollar) at all other non-yuu merchants

        • yuu Points awarded can only be tracked on yuu Rewards app

          • Use my referral code (KWMLISBL) when you sign up on the app to receive 2,000 yuu points.

        • AMEX version offers special discounts like 30% off hotel reservations, free trials on PressReader, and 15% off Bloomingdale’s.

         

        Annual Fee
        • S$196.20, first year waived

         

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

         

        When are the DBS Points credited
        • This usually credits when the transaction posted, usually takes 24 hrs or in some, it could take 2-3 days.
         
        Know what this card is best for:

         

        Terms and Conditions

        Read Full Review

        UOB Evol Card

        Flash Deal:

        • Get Apple iPhone 17 256 GB (Worth S$1,299) when your are the first successful new-to-bank cardholders at 12PM daily and spend S$500 within 30 days of card approval
        • Remaining applicants will receive the existing rewards
        • Valid until 30 November 2025

         

        Existing Rewards:

        • Get S$60 Cash via PayNow when you spend S$500 in the first 30 days from card approval date
        • Valid until 30 November 2025
        • Valid for New-to-Bank Cardholders
        • 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
        • Max possible cashback of 6.4% earned (not 10%)
        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

        POSB Everyday Card

        • Get S$388 cashback when you spend S$800 within 60 days from card approval date, use the promo code: PED388, and have a valid DBS PayLah! account
        • Valid until 28 February 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

        DBS Live Fresh Card

        • Get S$300 cashback when you use the promo code: LFC300, and spend S$800 and have a valid DBS PayLah! account within 60 days from card approval date
        • Valid until 28 February 2026
        • Read Terms and Conditions here

        DBS Live Fresh Card

        • Earn 6% cashback on shopping and transport when you spend S$800 per calendar month
         
        Annual Fee
        • S$196.20 (including GST), waived for the first year
         
        Income Requirement
        • S$30,000 (locals/PRs); S$45,000 (foreigners)
         
        When is Cashback Credited
        • Cashback will be awarded to the account (that is of good standing) by the end of the following calendar month.
        • Cashback awarded will be reflected in the monthly Card Account statement. Cashback will automatically be applied to pay part of the billed amount for that statement month.

        Terms and Conditions

        Read Full Review

        trust card cardface

        Trust Cashback Card

        Get one (1) scratch card worth up to S$1,888 in cashback when you use the code: FYS31XY4

        trust card cardface

        Trust Cashback Card

        • Earn unlimited 1% cashback on overseas spending.
        • A great option for overseas transactions.
        • No need to transfer money like a multi-currency card when tapping at a payment terminal or making online purchases abroad.

        Mari Credit Card

        • Get up to 10% Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval
        • You must be among the first 500,000 New Mari Credit Card Holders
        • Must be a new-to-bank customer
        • Valid until 31 December 2025
        • Read Terms and Conditions here

        Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

        Mari Credit Card

        • Earn 3% Unlimited Shopee Coins with Mari Credit Card Instant Checkout (until 31 December 2025 only)
        • Earn 1.7% Unlimited Cashback on eligible card spend
        • No minimum monthly spend requirement and no maximum cashback cap

         

        Annual Fee
        • None

         

        Income Requirement
        • S$30,000 (Singaporeans or PR)

         

        When is Cashback Credited
        • It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

         

        1.7% Cashback Terms and Conditions

        3% Shopee Coins

        3% Overseas Spend

        Read Full Review

        choc visa debit card cardface

        Chocolate Finance

        Currently, there is no sign-up bonus, but you can earn 250 Max Miles when you register for a HeyMax account.

        choc visa debit card cardface

        Chocolate Finance

        • Earn 1 Max Miles per dollar on the first S$1,000 spent each month
        • Earn 0.4 Max Miles per S$1 after S$1,000 spend
        • Bill payments will continue to earn miles, but will be capped at 100 miles per month
        • Earn miles on insurance payments, charity donations, utilities, education fees, and AXS Bill payments
        • Zero foreign exchange fees — Visa’s exchange rates are passed directly to you with no hidden fees or markups

         

        Know what this card is best for

        wise logo

        Wise

        • Get a free  wise card OR zero fees on a transfer up to S$900 when you use the link

        wise logo

        Wise

        The Wise Card is known for offering some of the best foreign exchange rates in Singapore—often beating banks and even Visa/Mastercard rates. But its advantage shrinks once you factor in Wise’s conversion fee, which isn’t included in the displayed FX rate. With no cashback or rewards, the card is best used for money transfers rather than day-to-day spending.

        Key points:

        • Excellent FX rates

        • Conversion fee applies (not always shown in quoted rate)

        • No rewards, cashback, or miles

        • Great for overseas transfers or paying freelancers

        • Cashback/miles cards usually give better value for shopping or travel

        • Supports 50+ currencies with strong in-app controls

        youtrip cardface

        Youtrip

        • Get 2% cashback on all foreign currency spend — capped at S$30
        • At S$1,500 in foreign currency spend, that’s where you fully max out the S$30 cashback cap.
        • Bonus: 100 lucky users will win S$600 Trip.com hotel vouchers!
        • Valid from 12 Nov 2025 – 6 Jan 2026

         

        How to qualify:

        • Register in the YouTrip app → Perks > Join Now
        • Spend at least S$1,200 in foreign currency equivalent (non-SGD)
        • Be among the first 2,500 to qualify (there ****isn’t a way to track this)

         

        Excluded:

        • 6300: Insurance Sales, Underwriting and Premiums
        • 6381: Insurance – Premiums
        • 3429: Insurance Rent-A-Car
        • 5960: Direct Marketing Insurance Services

        youtrip cardface

        Youtrip

        YouTrip is still solid for quick, no-frills overseas spending. Use YouTrip if you want predictability and instant top-ups.

        • Use in 150+ currencies worldwide with the YouTrip Mastercard.

        • Instant top-ups 

        • Hold & exchange multiple currencies directly in-app
        amaze cardface

        Instarem Amaze

        How To Apply an Instarem Amaze Card:

        1: Download the Instarem app and create an account

        2: Link your mastercard to amaze

        3: Start using your card

        Receive bonus instapoints with code “Ac6aso“

        amaze cardface

        Instarem Amaze

        Amaze Card: Think of it as a smart hub for up to 5 Mastercards. Pay with just one card and still enjoy the rewards from your linked cards.

        • Earn card reward points (must use correctly).
        • Get lowered fx spread of 2+% instead of usual bank card’s FX markup of 3.25% to 3.75%
        • 1% fee on all SGD Spends

         

        Amaze Wallet: Like a digital travel wallet, it lets you store multiple currencies and lock in great exchange rates ahead of time—perfect for easy, cashless spending overseas.

        • Overseas ATM Withdrawals
        • Exchange and hold 11 currencies: SGD, MYR, THB, USD, EUR, CHF, NZD, CAD, AUD, GBP, JPY 
        • Wallet limit of S$15,000 per transaction, up to S$75,000 in calendar year
        • Transfer balance from amaze wallet directly to bank account
        • Set spend limits by daily or per-transaction for security
        • Earn 0.5 Instapoints per dollar on local or overseas spend, no cap
        • Fee-free on currency exchanges in wallet
        • 2% ATM withdrawal fee

         

        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 - Visa
        Apply Here - AMEX

        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$1,000 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

         

        Know what this card is best for:

         

        Terms and Conditions

        Read Full Review

        maybank xl cardface

        Maybank XL Rewards/Cashback Card

        1. S$60 Cashback Bonus
        Apply for a new Maybank XL Cashback Card or Maybank XL Rewards Card and get S$60 cashback when you make just one transaction (limited to first 2,000 eligible cardmembers), for the subsequent customers, you’ll get S$10 cashback. The cashback will be credited automatically to your card account.
        ⚠️ Maybank does not provide visibility on whether you’re within this cap.

        2. Complimentary Etiqa Travel Insurance
        Get 12 months of Etiqa insurance coverage for overseas medical expenses (including adventurous activities) up to S$5,000. Coverage applies only to accidental injuries and illnesses during leisure trips.

        • Valid until 31 July 2026
        • ⚠️ Limited to the first 15,000 new XL card applicants.

        Read Terms and Conditions

         

        How to Maximise Your Rewards

        The XL card’s welcome gift is only S$10 cashback. If you’re new to Maybank and want better sign-up rewards, consider this strategy:

        • If you planned to get the XL Cashback Card, apply for the Maybank Family & Friends Card instead (also a cashback card).

        • If you planned to get the XL Rewards Card, apply for the Maybank World Mastercard instead (a miles card).

        As a new-to-bank customer, applying for another Maybank credit card first could unlock bigger gifts, such as a Samsonite Interlace Spinner 67/24 luggage (worth S$570) when you spend a minimum of S$1,300 in the first two months.

        On top of that, the Maybank World Mastercard also makes your miles non-expiring—so you’re building a stronger rewards foundation 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

            HSBC Advance Card

            • Get S$100 eCapitaVoucher + AirPods Pro 3 (worth S$599) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$500 eCapitaVoucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
            • Valid from from 19 – 21 November 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 December 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 Advance Card

            • Earn 1.5% cashback on all local & overseas purchases with no minimum spend and 2.5% cashback on all local & overseas purchases if you spend more than S$2,000 in a calendar month. Cashback capped at S$70 per calendar month; maximum sweet spot spend is S$2,800
            • This card is best used when you have a large monthly spending of S$2,000 to S$2,800. Particularly best for wedding banquets.
             
            Annual Fee
            • S$196.20, first year waived
             
            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 appear on your card statement and be credited to your account before the end of the next calendar month.
             
            Know what this card is best for:

            Terms and Conditions

            Read Full Review

            HSBC Live+ Card

            • Get S$100 eCapitaVoucher + AirPods Pro 3 (worth S$599) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$500 eCapitaVoucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
            • Valid from from 19 – 21 November 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 December 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 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.

             

            Know what this card is best for:

             

            Terms and Conditions

            Read Full Review

            AMEX True Cashback Card

                • Get S$160 eCapitaVoucher when you spend S$500 within 30 days from card approval
                • Valid from 29 December 2025
                • Promotion is valid for new to bank credit card holders
                • Read Terms and Conditions here

                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

                DBS Altitude Card

                • Get 38,000 miles when you use the promo code: ALTP38, pay the annual fee, have a valid DBS PayLah! account, and spend S$800 within 60 days from card approval date. 
                • Get 28,000 miles when you use the promo code: ALTPW28, choose not to pay the annual fee, but must have a valid DBS PayLah! account and spend S$800 within 60 days from card approval
                • Valid until 30 November 2025
                • 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

                Maybank World Mastercard

                • 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 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)

                 

                Know what this card is best for

                 

                Terms and Conditions

                Read Full Review