Best Cards for Online Shopping

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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

Apply Here

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

sign-up-deal
card-summary

Citi SMRT Card

Apply Here - Direct Bank
Apply Here - Singsaver

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

sign-up-deal
card-summary

DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

sign-up-deal
card-summary

CIMB VIsa Signature Card

Apply Here

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


sign-up-deal
card-summary

Citi Rewards Card

Apply Here - Direct Bank
Apply Here - Singsaver

Earn 4 miles per dollar on online spend and selected retail

sign-up-deal
card-summary

DBS Woman's World Card

Apply Here

Earn 4 miles per dollar on online spend

sign-up-deal
card-summary

OCBC Rewards Card

Apply Here

Earn 6 miles per dollar on Watsons and MCC 5311 ’til 30 June 2025 and 4 miles per dollar on Eligible Online and Offline Spends

sign-up-deal
card-summary

HSBC Revolution Card

Apply Here

Earn 4 miles per dollar on selected online spend

sign-up-deal
card-summary

*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! Overall, if you value miles, you can consider Citi Rewards Card for its massive array of online categories with minimum exclusions, plus, you can pair it with Instarem Amaze as it converts your offline transaction into online, giving you the same rewards! 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.

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CREDIT CARDS SIGN UP DEALS

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Citi Rewards

Get Dyson Supersonic or Dyson V12 Origin or Apple iPad (A16) 11" Wi-Fi 128GB or Sony Camera (ZV-1F) or S$550 Shopee Vouchers or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 1, 2025

APPLY NOW

HSBC Live+

Get Sony Vlog Camera ZV-1F or Dyson Airstrait Straightener or Apple iPad (A16) 11" Wi-Fi 128GB or Dyson™ V12 Origin or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 1, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 1, 2025

Citi Rewards

Get Dyson Supersonic or Dyson V12 Origin or Apple iPad (A16) 11" Wi-Fi 128GB or Sony Camera (ZV-1F) or S$550 Shopee Vouchers or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 1, 2025

APPLY NOW

HSBC Live+

Get Sony Vlog Camera ZV-1F or Dyson Airstrait Straightener or Apple iPad (A16) 11" Wi-Fi 128GB or Dyson™ V12 Origin or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 1, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 1, 2025

APPLY NOW

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 Live+ Card

  • Get Sony Vlog Camera ZV-1F (worth S$769) or Dyson Airstrait Straightener (worth S$799) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson™ V12 Origin (worth S$749) or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
  • Valid from 13 May to 1 June 2025
  • Available for New HSBC Cardholders
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email to secure your rewards after you have applied!

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

 

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$300 cashback when you spend S$800 within 2 months from card approval
  • Valid til 30 June 2025
  • Read Terms and Conditions here

 

Option 2: SingSaver Promotion

  • Get Dyson Supersonic (worth S$599) or Dyson V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Sony Camera (ZV-1F) (worth $769) or S$550 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
  • Valid from 23 May (4:30PM) to 1 June 2025
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email to secure your rewards after you have applied!

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

  • Receive one (1) CATERPILLAR Industrial Plate Trunk worth S$320 when you apply for any 2 participating DCS Credit Cards and make a min. cumulative spend of S$350 per month for 2 consecutive months from card approval date
  • Valid for new and existing credit cardholders
  • Promo valid until 30 June 2025
  • Read Terms and Conditions here
  • Take note that first two consecutive months is calculated differently by DCS (See below). More accurately, it should be first and third month.

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 02 May to 01 June 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 July 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 31 July 2025
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

  • Get Dyson Supersonic (worth S$599) or Dyson V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Sony Camera (ZV-1F) (worth $769) or S$550 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
  • Valid from 23 May (4:30PM) May to 1 June 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

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$1,500 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

    • Receive an Apple Airpods 4 (worth S$199) or Apple HomePod mini (worth S$140.25) or S$180 Shopee Voucher or S$150 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
    • Valid from 2 May to 1 June 2025
    • Read Terms and Conditions here
    • Must fulfill spending requirement to receive gift confirmation
    • Remember to check for SingSaver email to secure your rewards after you have applied!

    OCBC Rewards Card

    • Earn 6 miles per dollar on Watsons and MCC 5311 (Department Stores) 30 June 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 Dyson Airstrait Straightener (worth S$799) or Dyson™ V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or GoPro Hero13 Black Action Camera (worth S$590) or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month from the card account opening date + provide marketing consent
    • Valid from 13 May to 1 June 2025
    • Available for New HSBC Cardholders
    • Read Terms and Conditions here
    • Must fulfill spending requirement to receive gift confirmation
    • Remember to check for SingSaver email to secure your rewards after you have applied!

    HSBC Revolution Card

    • Earn 4 miles per dollar on selected online spend categories both local and overseas, capped at S$1,000 per calendar month
    • The categories include:
      • Department Stores and Retail Stores
      • Dining (excluding hotel dining)
      • Transportation & Membership Clubs
    • 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!

     

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

     

    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

    Chocolate Finance

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

    Chocolate Finance

    • Earn 2 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
    • 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

    UOB One Card

    • Get S$350 Cashback (only for first 200 customers!!) when you spend S$1,000 per month for 2 consecutive months from card approval date
    • Valid from 01 May – 31 May 2025
    • Only for new-to-bank cardholders
    • Read Terms and Conditions here

    UOB One Card

    • Earn up to 20% total cashback when you charge at least 5 Card Transactions with a minimum spend of S$2,000, capped at S$200
      • Base cashback: 3.33%
      • Additional cashback: 6.67%
      • Enhanced cashback: 10% Cashback
    • Earn up to 10% total cashback when you charge at least 5 Card Transactions with a minimum spend of S$500 or S$1,000 for three consecutive months, capped at S$50 or S$100 respectively:
      • Base cashback: 3.33%
      • Additional cashback: 5%
      • Enhanced cashback: 5% Cashback

     

    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 Visa Platinum Card

    • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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 Visa Platinum Card

    • Get up to 3.33% cash rebate on all your local and foreign currency spend with a minimum monthly spend of S$300 per month for a quarter.
    • Can be used on Insurance payments up to a certain extent

     

    Annual Fee
    • Free
     
    Income Requirement
    • S$30,000 (locals/PRs); S$60,000 (foreigners)
     
    Can I earn cashback when I pay my Insurance
    • You may use Cardup/iPayMy to make payments. You should leverage the new user code/link for Cardup as well as iPayMy first.
      • For S$30 off your first payment, Cardup new user code: IJTLFREE
    • iPayMy new user sign up link: (Note that if you sign up directly, you will only get S$20 off your first payment)
     
    Know what this card is best for

     

    Terms and Conditions

    Read Full Review

    AMEX True Cashback Card

        • Receive Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval
        • Valid from 21 April to 30 June 2025
        • Promotion is valid for new to bank credit card holders
        • Read Terms and Conditions here
        • Must fulfill spending requirement to receive gift confirmation

        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

        Citi Prestige Card

        Option 1: Direct Bank Promotion – Higher Qualifying Spend

          • Receive 125,000 ThankYou Points in Welcome Gift when you pay annual fee upon card approval & spend S$2,000 in the first 2 months of card approval
          • Read Terms and Conditions here
          • Valid until 31 May 2025
          • Eligible for new main Citi Prestige Card members (if you hold other Citibank cards but have not held a Citi Prestige card over the last 12 months, you are considered new to Citi Prestige)2X Samsonite Straren Spinner 67/24 (worth S$1,200) [pair reward option for Valentine’s day]

           

          Option 2: Singsaver – Lower Qualifying Spend

            • Get 2D1N Banyan Tree – Mandai Rainforest Resort Staycation (worth S$645) or 10x Yunomori Onsen & Spa Vouchers (worth S$580) or Apple AirPods Max (worth S$749) or LOJEL Cubo Large (worth S$640) upon activating and spending a min. S$500 within 30 days of card approval.
            • Valid from 23 May (4:30PM) to 1 June 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 to secure your rewards after you have applied!

              Citi Prestige Card

              • Earn up to 2 miles per dollar (5 Citi ThankYou Points) spend overseas and 1.3 miles per dollar (3.25 Citi ThankYou Points) locally. You can also access exclusive benefits such as 4th night complimentary night stay, unlimited Priority Pass visits + one guest per membership year (will change to 12 priority visits per calendar year after 1 July 2025), 6 complimentary golf games, and dining experiences. The earn rate is enhanced with bonus ThankYou Points when you hold a Citi bank account for a period of time.
              • Points has no cap and expiry

               

              Annual Fee
              • S$545 (Non-Waivable) — will increase to S$651.82 after 1 July 2025

               

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

               

              Points Expiry
              • ThankYou points do not expire

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

               

              Know what this card is best for:

               

              Terms and Conditions

              Read Full Review

              DBS Vantage

              • Receive up to 60,000 miles when you spend S$4,000 + pay annual fee within 30 days of card approval to be eligible for reward
                • Pay the annual fee of S$599.50 (inclusive of GST) to receive 25,000 miles
                • Spend S$4,000 to receive 35,000 miles
              • Promotion is valid for new and existing DBS credit cardmember
              • Promotion is valid until 31 August 2025
              • Read Terms and Conditions here

              DBS Vantage Card

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

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

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

               

              Annual Fee
              • S$599.50 (incl. of GST)

              • The first year’s fee is non-waivable. Subsequent years’ fees can be waived if cardholders spend at least S$60,000 per membership year.


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


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

               

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

               

              Know what this card is best for:


              Terms and Conditions

              Read Full Review

              HSBC TravelOne Card

              • Get Dyson Airstrait Straightener (worth S$799) or Dyson™ V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or GoPro Hero13 Black Action Camera (worth S$590) or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month from the card account opening date + provide marketing consent + pay annual fee
              • Valid from from 13 May to 1 June 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.
              • Read Terms and Conditions here
              • Must fulfill spending requirement to receive gift confirmation
              • Remember to check for SingSaver email to secure your rewards after you have applied!

              HSBC TravelOne Card

              • Earn 2.4 miles per dollar on foreign currency spend, and 1.2 miles per dollar on local spend. This card is best for travelers due to the fact that it has twice more than the usual lounge passes that you can acquire in other similar earn rate entry level credit cards; you are entitled to 4 free airport lounge visits (via DragonPass) per calendar year! Plus, it has an extensive list of transfer partners allowing flexibility.
               
              Annual Fee
              • S$196.20 (inclusive of GST), first year free waiver
               
              Income Requirement
              • S$30,000 (locals/PRs); S$40,000 (foreigners)
               
              Points Expiry
              • After 37 months
               
              Transfer Partners
              • Asia Miles, Vietnam Airlines, British Airways, EVA Air, Qantas, Air Asia, Flying Blue, Krisflyer, Fortune Wings Club, Turkish Airlines, United Mileage Plus, Air Canada, Qatar Airways, Japan Airlines
               
              Know what this card is best for:

               

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              UOB PRVI Card

              NIL

              UOB PRVI Card

              • Earn 1.4 miles per dollar for local spending
              • Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
                • 3 miles per dollar on selected currencies:
                  • Malaysian Ringgit
                  • Indonesian Rupiah
                  • Thai Baht
                  • Vietnamese Dong
                • 2.4 miles per dollar on other currencies
              • Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
              • One-way Airport Transfer Service for AMEX Version only
              • S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

               

              Annual Fee
              • S$261.60, first year waived
               
              Income Requirement
              • S$30,000 (locals/PRs); S$40,000 (foreigners)
               
              Points Expiry
              • UNI$ expire two (2) years after the last day of the quarter in which they were earned.

               

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              DBS Altitude Card

              • Get up to 38,000 miles when you spend S$800 within 60 days from card approval
                • Promo Code: ALT38 – 38,000 miles when you pay the annual fee
                • Promo Code: ALTW28 – 28,000 miles (annual fee waived)
              • Valid for New to Bank Cardholders
              • Valid from 1 March until 31 August 2025
              • Read Terms and Conditions here

              Pro Tip: Choose the one with the annual fee waived 

              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

               

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              Terms and Conditions

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              Standard Chartered Journey Card

                • Receive Samsonite Straren Spinner 67/24 (worth S$600) or 12K Max Miles or S$250 Shopee Voucher or S$180 Cash via PayNow when you spend S$800 within 30 days of card approval
                • Valid from 5 May to 1 June 2025
                • Read Terms and Conditions here
                • Promotion is valid for new to bank credit card holders
                • Must fulfill spending requirement to receive gift confirmation
                • Remember to check for SingSaver email to secure your rewards after you have applied!

                Stackable with Direct Bank Rewards:

                My thoughts: If you were going to apply for this card, you would probably get the better value from choosing the annual fee paying option as you would get extra 20,000 miles for S$196.20, making your cost per mile to be 0.9 cents per mile. Do take note of the minimum spend criteria of S$3000 within 2 months of card approval as well as spending on eligible transactions for your qualifying spend to maximise the sign up rewards.

                Standard Chartered Journey Card

                • Earn up to 3 miles per dollar on selected bonus categories in SGD; 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. All with no minimum monthly spending required. This card is best for those who spend a lot on the bonus online categories such as transportation, grocery and food delivery with a spending cap of S$1,000 per statement month
                • This comes with 2 complimentary airport lounge passes

                 

                Annual Fee
                • S$196.20 (incl. 9% GST), should be waivable

                 

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

                 

                Points Expiry
                • The points never expire

                 

                Transfer Partners
                • Krisflyer & Cathay Pacific Asia Miles
                 
                Know what this card is best for:

                 

                Terms and Conditions

                Full Review

                Citi PremierMiles Card

                Option 1: Direct Bank Promotion

                    • Receive 8,000 bonus Citi Miles (with no annual fee paid) or 30,000 bonus Citi Miles (with annual fee paid) when you spend S$800 in the first 2 months of card approval.
                    • Valid til 31 July 2025
                    • Read Terms and Conditions here

                     

                    Option 2: Singsaver Promotion

                      • Get Dyson Supersonic (worth S$599) or Dyson V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Sony Camera (ZV-1F) (worth $769) or S$550 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
                      • Valid from 23 May (4:30PM) to 1 June 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 PremierMiles Card

                      • Earn uncapped 1.2 miles for every dollar spent in Singapore dollars and 2 miles for every dollar spent overseas. Even though the earn rate is quite low, the miles never expire. This may be useful for those starting out on their miles accumulation journey with low spending.

                      • Citibank credit cards have one of the widest variety of transfer partners, which makes the miles very flexible for miles redemption.

                      • The principal card entitles you to 2 free Priority Pass airport lounge visits per calendar year!

                       

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

                       

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

                       

                      Points Expiry
                      • The Citi Miles never expire

                       

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

                       

                      Know what this card is best for:

                       

                      Terms and Conditions

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