Best Cards for Online Shopping

Overview:

If you are an avid online shopper, this guide will help you maximize your online spending with the best credit cards. I’ve ranked top cards based on cashback rewards, ease of use, and minimum spending requirements. Here’s the Best Cards for Online Shopping!

For example, while some cards offer high cashback rates, they might have strict spending conditions. Others may have lower rewards but more flexible terms, perfect for big-ticket items like electronics or furniture from platforms like Taobao.

I’ve broken down the details so you can choose the card that best suits your shopping habits.

Note: Standard exclusions like government services and insurance payments apply.

From now tiil 31st Dec 2024, HSBC Live+ actually offers a great 8% cashback for selected online shopping categories. Therefore, it ranks top because of the potential cashback. After 31st Dec 2024, HSBC Live+ will offer 5% cashback. You may choose a card like Citi SMRT which has a lower minimum spend required of S$500 and lower cashback of 5%, but you can basically use this in one single month for large online purchases of up to S$12,000 in a single year. This gives you a good S$600 cashback off your purchase. For example, you can buy electronics or furniture on Taobao and get 5% cashback without bursting any monthly cashback cap.

HSBC Live+ Card

Earn up to 5% cashback on dining, entertainment and shopping 

Citi SMRT Card

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

DCS Ultimate Platinum Card

Earn 2% cashback on almost everything

CIMB VIsa Signature Card

Earn 10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises


Citi Rewards Card

Earn 4 miles per dollar on online spend and selected retail

DBS Woman's World Card

Earn 4 miles per dollar on online spend

OCBC Rewards Card

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

HSBC Revolution Card

Earn 4 miles per dollar on selected online and contactless spend (until 28 February 2026)

UOB Lady Cardface

UOB Lady's Card

Earn 4 miles per dollar on 1 or 2 chosen categories


*keep in mind that sometimes, apple pay or google pay can count as “contactless spend” on some transactions

Conclusion:

The “best” card ultimately depends on your individual spending habits and priorities. I have just provided the options which I think are best in terms of its use and the cashback/miles you’ll get! For cashback, Citi SMRT will be good choice for reasonable cashback with unique proposition that can help you maximise your cashback or savings.

💳 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.

You may have missed…

credit card terminal
kris+ logo on phone

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Maybank Family & Friends

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: YUU380) when you spend S$800 within 60 days of card approval

Valid till: October 31, 2025

Maybank XL

Get S$60 cashback when you make one transaction (first 2,000 customers)

Valid till: May 1, 2025

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$450 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: October 31, 2025

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.

Maybank Family & Friends

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: YUU380) when you spend S$800 within 60 days of card approval

Valid till: October 31, 2025

maybank xl cardface

Maybank XL

Get S$60 cashback when you make one transaction (first 2,000 customers)

Valid till: May 1, 2025

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$450 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: October 31, 2025

HSBC Live+ Card

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Bose QuietComfort Wireless Noise Cancelling Headphones (worth S$499) or Dyson Supersonic Hair Dryer (worth S$559) or S$475 Grab Vouchers 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 10 October to 31 October 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

Citi SMRT Card

Option 1: Direct Bank Promotion

  • Get S$400 cashback when you spend S$800 within 2 months from card approval
  • Valid til 15 January 2026
  • Read Terms and Conditions here

 

Option 2: Singsaver Promotion

  • Get Dyson Airwrap Origin (worth S$549) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or S$450 Grab Voucher or S$360 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid until 31 October 2025
  • Promotion is valid for new to bank credit card holders
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email and complete the registration to secure your reward!

Citi 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

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

CIMB Visa Signature Card

  • Get S$50 Cash via PayNow when you spend a minimum of S$108 within 30 days of card approval
  • Valid from 01 October to 02 November 2025
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email and complete the registration to secure your reward!

 

Stackable with Direct Bank Rewards:

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

CIMB Visa Signature

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

Terms and Conditions

Read Full Review

Citi Rewards Card

Option 1: Direct Bank Promotion

  • Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
  • Valid til 28 February 2026
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

  • Get Dyson Airwrap Origin (worth S$549) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or S$450 Grab Voucher or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid until 31 October 2025
  • Promotion is valid for new to bank credit card holders
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email and complete the registration to secure your reward!
  •  

Citi Rewards Card

  • Earn 4 miles per dollar on online spending, with no minimum spend and a spending cap of S$1,000 per statement month.
  • You can use this card for any online spending inclusive of ride-hailing apps or taxis.
  • Pro tip: Pair this card to Amaze for Overseas Offline Spending
  • Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
  • Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
    This is on top of 4 miles per dollar on Citi Rewards + Amaze.

 

Annual Fee
  • S$194.40 (First year waived)

 

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

 

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

 

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

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

DBS Woman’s World Card

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

DBS Altitude Card

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

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

OCBC Rewards Card

  • Get AirPods Pro Gen 3 (worth S$349) or Dyson Supersonic™ (worth S$559) or 50,000 OCBC$ (worth a round trip to Bali) or S$380 Grab Vouchers or S$360 Cash via PayNow when you S$400 within 30 days from card approval
  • Valid until 14 October 2025
  • 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 Rewards Card

  • Earn 6 miles per dollar on Watsons, Lazada, Shopee (except Shopee Pay transactions), Tiktok Shop, and Taobao (until 31 December 2025). Capped at S$1,000 per calendar month
  • Earn 4 miles per dollar on Eligible Online and Offline Spends, capped at S$1,110 per calendar month
  • Pair with Amaze for converting offline overseas retail spending to earn 4 miles per dollar

 

Annual Fee
  • S$196.20 (including GST), waived for the first 2 years

 

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

 

Points Expiry
  • OCBC$ expires every 2 years and can pool across cards that earn OCBC$, but not with OCBC’s other rewards currencies (Travel$, VOYAGE Miles) – This means if you have other OCBC$ earning cards (eg. OCBC Rewards Blue and Pink), you can transfer the miles together from both card at one shot with a single transfer fee.

 

Know what this card is best for

 

Terms and Conditions

Read Full Review

HSBC Revolution Card

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Bose QuietComfort Wireless Noise Cancelling Headphones (worth S$499) or Dyson Supersonic Hair Dryer (worth S$559) or S$475 Grab Vouchers 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 10 October to 31 October 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 Revolution Card

  • Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month (until 28 February 2026)
  • The categories include:
    • Department Stores and Retail Stores
    • Dining (excluding hotel dining)
    • Transportation & Membership Clubs
    • Travel-Related 
  • You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,000 per calendar month.
  • The rewards points conversion fee is waived indefinitely— transferring your points is completely free!
  • Note: Contactless payment, upsized cap of S$1,500, and travel-related category will only be available until 28 February 2026. 

 

Special hack: 

Even though you may not be able to use the card for flights or hotel bookings directly, you can actually use atome to make your bookings via agoda or trip.com and pay via atome platform. Atome’s MCC is 5999 which falls under 4 mile per dollar category. In addition, spreading your travel spending across 3 months instalments can help you keep within the S$1,000 spending cap. However, you will not be able to earn extra cashback on platforms like Shopback or Azgo.

If you are new to Atome, you can sign up here to receive points that is equivalent to S$10 off your first transaction. 

 

Annual Fee
  • None

 

Income Requirement

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

 
Transfer Partners
  • Japan Airlines, Air Canada Aeroplan, Fortune Wings Club, Qatar Airlines, Turkish Airlines, Mileage Plus, Krisflyer, Thai Royal Orchid Plus, Flying Blue, Air Asia, British Airways, Asia Miles, Etihad, EVA Air, Qantas, Vietnam Airlines

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

UOB Lady Cardface

UOB Lady’s Card

Flash Deal:

  • Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) when your are among the first 3 successful new-to-bank cardholders at 12PM every day and spend S$500 within 30 days of card approval
  • Remaining applicants will receive the existing rewards
  • Valid until 14 October 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 14 October 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 Evol Card

    Flash Deal:

    • Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) when your are among the first 3 successful new-to-bank cardholders at 12PM every day and spend S$500 within 30 days of card approval
    • Remaining applicants will receive the existing rewards
    • Valid until 14 October 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 14 October 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

    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 31 October 2025
    • 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

    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

        UOB Absolute AMEX Card

        Flash Deal:

        • Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) when your are among the first 3 successful new-to-bank cardholders at 12PM every day and spend S$500 within 30 days of card approval
        • Remaining applicants will receive the existing rewards
        • Valid until 14 October 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 14 October 2025
        • Valid for New-to-Bank Cardholders
        • Read Terms and Conditions here

        UOB Absolute AMEX Card

        • Earn 1.7% cashback with no minimum spend requirement, no cashback cap, and no spend exclusions
        • You can get 0.3% cashback on Grab Top-Up, this is the only card that still give rewards for GarbPay
        Annual Fee
        • S$196.20 (incl. GST), waived for first year
         
        Income Requirements
        • S$30,000 (locals/PRs); S$40,000 (foreigners)
         
        When is Cashback Credited
        • Cashback earned in current statement period is automatically used to offset the following month’s bill
         
        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

        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

        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 28 February 2026
        • Read Terms and Conditions here

        Option 2: Singsaver Promotion

        • Get Dyson Airwrap Origin (worth S$549) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or S$450 Grab Voucher or S$360 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
        • Valid until 31 October 2025
        • Promotion is valid for new to bank credit card holders
        • Read Terms and Conditions here
        • Must fulfill spending requirement to receive gift confirmation
        • Remember to check for SingSaver email and complete the registration to secure your reward!

        Citi Cashback Card

        • Earn 8% cashback on Petrol and local private hire/taxi, 6% cashback on Dining at restaurants and cafes daily, worldwide, 6% cashback on groceries at supermarkets and grocery stores daily, worldwide.
        • Up to 20.88% fuel savings at Esso and Shell & 23.64% savings at Caltex
        • There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month. 
        • Get 0.2% base cashback for other spends

        Tip: You don’t have to meet the minimum monthly spend requirement every month. If you can’t hit S$800 for the month, you can buy supermarket vouchers in store (and get 6% cashback) to use in the next few months.

         
        Annual Fee
        • S$196.20 (incl. 9% GST), first year waived
         
        Income Requirement
        • S$30,000 (locals/PRs); S$42,000 (foreigners)
         
        When is Cashback Credited
        • Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of $10. S$50 is the minimum cash back withdrawal amount (after that, multiples of S$10). When your cashback total reaches S$50, it will be automatically credited to your credit card statement. Through the Citi Mobile App, you will also be able to monitor the cashback you have earned.
         
        Know what this card is best for:

        Terms and Conditions

        Read Full Review

        OCBC 365 Card

        • Get Dyson Supersonic™ (worth S$559) or AirPods Pro Gen 3 (worth S$349) or S$380 Grab Vouchers or S$360 Cash via PayNow when you S$400 within 30 days from card approval
        • Valid until 14 October 2025
        • 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

        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 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