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Best Cards For Bus/Mrt Rides

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Miles Cards

UOB Ladys Cardface

UOB Lady's Card

Apply Here

Earn 4 miles per dollar on 1 or 2 chosen categories


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UOB Krisflyer Card cardface

UOB Krisflyer Card

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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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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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UOB Preferred Platinum Visa 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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DBS Altitude Card

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)

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DCS Flex Cardface

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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Cashback Cards

UOB One Cardface

UOB One Card

Apply Here

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

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Maybank Family Friends Cardface

Maybank Family & Friends Card

Step 1: Apply Now
Step 2: Google Form

Earn 6% or 8% cashback for five of your chosen categories.

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card-summary
DCS Flex Cardface

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 cardface

DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

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DBS yuu Cardface

DBS yuu Card

Apply Here - Visa
Apply Here - AMEX

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

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UOB Evol Cardface

UOB Evol Card

Apply Here

Earn max possible 6.36% cashback on all online and mobile contactless spend and gym, telco, and streaming services

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POSB Everyday Cardface

POSB Everyday Card

Apply Here

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

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DBS Live Fresh Card cardface

DBS Live Fresh Card

Apply Here

Earn 6% cashback on shopping and transport

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Citi SMRT Cardface

Citi SMRT Card

Apply Here - Direct Bank
Apply Here - Singsaver

Earn 5% cashback on supermarkets, online shopping, taxi rides, and SimplyGo

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Trust Cashback Cardface

Trust Cashback Card

Apply Here - Trust Cashback Card

Use code: FYS31XY4

Earn 1% unlimited cashback on foreign currency spend

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Chocolate Visa Debit Card

Chocolate Visa Debit Card

Apply Here - HeyMax
Apply Here - Choc Visa

Earn 1 mile per dollar on almost everything — including Insurance, Utilities, & Hospital Bills.

Only Bill Payments are capped at 100 miles per month, everything else earns uncapped.

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💳 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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CREDIT CARDS SIGN UP DEALS

APPLY NOW

Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstrait™ 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

APPLY NOW

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

APPLY NOW

HSBC Revolution

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstrait™ 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

APPLY NOW

Citi Cashback

Get 22,000 HeyMax Miles or Dyson Airstrait™ 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

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 PremierMiles

Get 22,000 HeyMax Miles or Dyson Airstrait™ 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

APPLY NOW

HSBC Live+

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstrait™ 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

APPLY NOW

dbs yuu cardface

DBS YUU

Get S$340 eCapitaVoucher or 20k HeyMax miles or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher or Dyson TP10 or S$300 Cash via PayNow when you use code: SINGSAVER and spend S$500 within 30 days of card approval

Valid till: May 3, 2026

APPLY NOW - VISA

APPLY NOW - AMEX

OCBC 365

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

APPLY NOW

UOB Lady Cardface

UOB Lady’s Card

  • First eligible applicant at 2pm and 10pm daily to claim the below reward:
    • 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 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

    • First eligible applicant at 2pm and 10pm daily to claim the below reward:
      • 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

        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

        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$10, (first year waived; afterwhich, you can perform minimum 5 transactions per month to waive the monthly fee) 

         

        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 One Card

        • First eligible applicant at 2pm and 10pm daily to claim the below reward:
          • 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.

         

        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

        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$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 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

        • First eligible applicant at 2pm and 10pm daily to claim the below reward:
          • 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 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$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

        DBS Live Fresh 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 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

        Citi SMRT Card

        Option 1: Direct Bank Promotion

        • Get S$300 cashback when you spend S$800 within 2 months from card approval
        • Valid til 04 May 2026
        • Read Terms and Conditions here

         

        Option 2: Singsaver Promotion

        • Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstrait™ 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 SMRT Card

        • Earn 5% cashback on groceries, online shopping, taxi rides (including private hire operators) and SimplyGo. This card is best used for those who need to make big purchases online may it be per month or in a single transaction because of its high spending cap in a year! Although you can use it on SimplyGo rides, it would not be practical to use it unless you are sure that you can hit S$500 monthly minimum spend.

        • This has a minimum spend of S$500 per month and spending cap of $12,000 per year, cashback is capped at 600SMRT$ per year, giving you $600 cashback – Since every S$1 spent gives you 1 SMRT$

        • Earn 0.3% cashback on other retail spend island-wide

         

        Annual Fee
        • S$196.20, (First two years waived)

         

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

         

        When is Cashback Credited
        • SMRT$ will be calculated on the amount of qualifying spend made on a monthly basis. The accumulation of SMRT$ shall be specified in your monthly statement of account.

         

        Know what this card is best for:

         

        Terms and Conditions

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        Trust Cashback Card

        Get one (1) scratch card worth up to S$1,000 in cashback when you use the code: FYS31XY4

        Read T&Cs

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        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.
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        Chocolate Finance

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

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        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

        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 Airstrait™ 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.
         
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        Terms and Conditions

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        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
         
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        Terms and Conditions

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        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

        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)

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        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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        HSBC Live+ Card

        • Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstrait™ 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.

         

        Know what this card is best for:

         

        Terms and Conditions

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