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.
ENDS 15 SEP 2026 · 11 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
28,000 Max Miles by Heymax
Worth S$504
Earns you miles redeemable for flights, hotels, and perks
ECOVACS DEEBOT MINI 2
Worth S$499
compact robot vacuum and mop designed for effortless, hands-free everyday cleaning.
S$450 Cash
Worth S$450
via PayNow
Valid till 15 Sep 2026
Requirements
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Spend min. S$500 by the end of the month after you're approved. Example: approved in May → spend by 30 June.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
Up to 8% cashback on dining, shopping & fuel.
Currently hold a HSBC credit card issued over 12 months ago? Apply here → HSBC gives eligible existing cardholders S$50 cashback directly. Please complete the Rewards Redemption Form sent to your email so your application is properly recorded.
If you cancelled a HSBC credit card in the past 12 months, you don't qualify for either reward.
ENDS 30 SEP 2026 · 26 DAYS LEFT
Direct (Citi)
S$300 Cash Back
Requirements
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Valid till 30 Sep 2026
Via SingSaver
🎁 Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
S$470 Grab Voucher
Worth S$470
Use on Grab rides, GrabFood, GrabMart, and other Grab services.
S$430 Cash via PayNow
No bank details needed
Requirements
- You qualify if: you have no Citibank credit card right now AND haven't cancelled any Citi credit card in the last 12 months
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Valid till 30 Sep 2026
Why pick this card
5% cashback on big online purchases (up to S$12,000/year). No monthly cap.
ENDS 30 SEP 2026 · 26 DAYS LEFT
🎁 Tiered Stacked Rewards
Both tiers combine SingSaver cash + CIMB Reward
Samsonite Luggage
Retail S$1,150
Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage built for travel
S$50 Cash via PayNow
No bank details needed
Valid till 30 Sep 2026
Requirements
- You qualify if: you have no CIMB credit card right now, AND haven't cancelled any CIMB credit card in the last 12 months
- For the CIMB reward (Samsonite Luggage), spend S$2,000 within 60 days of card approval
- For the additional reward (S$50), automatically qualified with the same S$2,000 spend — no extra spending required
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
10% cashback on online shopping, groceries, beauty & wellness, pet services and cruises (S$800 min spend).
ENDS 30 SEP 2026 · 26 DAYS LEFT
Direct (Citi)
40,000 Bonus Citi ThankYou Points
Requirements
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Valid till 30 Sep 2026
Via SingSaver
🎁 Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
Morning Coffee Machine + 20 Capsules Bundle
worth S$660
a convenient coffee setup with a compact machine and 20 capsules to kickstart your mornings
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
S$400 Cash via PayNow
No bank details needed
Requirements
- You qualify if: you have no Citibank credit card right now AND haven't cancelled any Citi credit card in the last 12 months
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Valid till 30 Sep 2026
Why pick this card
4 mpd on any online transaction + offline fashion & department stores. No minimum spend.
Why pick this card
10X DBS Points (4 mpd) on all online spending (cap S$1,000/month).
ENDS 30 SEP 2026 · 26 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait
Retail S$799
An all-in-one hair straightener that dries and straightens hair using powerful airflow with no hot plates.
Dyson V8 Cyclone cordless vacuum
Worth S$559
A lightweight cordless vacuum with powerful suction for everyday whole-home cleaning.
25,000 MaxMiles by HeyMax
Worth S$450 in travel value
Convert to airline miles or retail vouchers with HeyMax
S$440 Grab Voucher
Worth S$440
Grab
S$400 Cash via PayNow
No bank details needed
Valid till 30 Sep 2026
Requirements
- You qualify if: you have no OCBC credit card right now, AND haven't cancelled any OCBC credit card in the last 12 months
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
6 mpd on Watsons, Lazada, Shopee, Taobao & Tiktok Shop (until 30 Jun 2026).
ENDS 15 SEP 2026 · 11 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
28,000 Max Miles by Heymax
Worth S$504
Earns you miles redeemable for flights, hotels, and perks
ECOVACS DEEBOT MINI 2
Worth S$499
compact robot vacuum and mop designed for effortless, hands-free everyday cleaning.
S$450 Cash
Worth S$450
via PayNow
Valid till 15 Sep 2026
Requirements
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Spend min. S$500 by the end of the month after you're approved. Example: approved in May → spend by 30 June.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
4 mpd on contactless, travel & online spend. Up to 8 mpd for HSBC EGA customers (S$50K ADB).
Currently hold a HSBC credit card issued over 12 months ago? Apply here → HSBC gives eligible existing cardholders S$50 cashback directly. Please complete the Rewards Redemption Form sent to your email so your application is properly recorded.
If you cancelled a HSBC credit card in the past 12 months, you don't qualify for either reward.
ENDS 30 SEP 2026 · 26 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
S$90 Cash
worth S$90
via PayNow
💡 The first 2 eligible applicants at 2 PM and 10 PM can choose either S$200 Cash via PayNow or a Samsonite Straren Spinner 67/24 (worth S$600) in place of the base reward.
Valid till 30 Sep 2026
Requirements
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
4 mpd on your chosen category. Bonus 2-6 mpd when paired with UOB Lady's Savings Account.
*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.
