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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, Lazada, Shopee, Tiktok Shop, and Taobao (until 31 December 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 and contactless spend (until 28 February 2026)

sign-up-deal
card-summary
UOB Lady Cardface

UOB Lady's Card

Apply Here

Earn 4 miles per dollar on 1 or 2 chosen categories


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! 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.

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lobangsis
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Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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CREDIT CARDS SIGN UP DEALS

APPLY NOW

HSBC Revolution

Get S$75 eCapitaVoucher + AirPods Pro 3 or Apple iPad (A16) 11" Wi-Fi 128GB or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: December 4, 2025

dbs yuu cardface

APPLY NOW - VISA

APPLY NOW - AMEX

DBS YUU

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

Valid till: December 31, 2025

APPLY NOW

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Shark EVOPOWER SYSTEM IQ Cordless Vacuum or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: December 4, 2025

APPLY NOW

HSBC Live+

Get S$75 eCapitaVoucher + AirPods Pro 3 or Apple iPad (A16) 11" Wi-Fi 128GB or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: December 4, 2025

View all deals

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

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Maybank Platinum Visa

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

APPLY NOW

FILL OUT GOOGLE FORM

maybank fc barcelona cardface

Maybank FC Barcelona

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

APPLY NOW

FILL OUT GOOGLE FORM

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

APPLY NOW

FILL OUT GOOGLE FORM

maybank xl cardface

Maybank XL

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

Valid till: May 1, 2025

APPLY NOW

FILL OUT GOOGLE FORM

HSBC Live+ Card

Flash Deal:

  • Get Dyson V8 Slim Fluffy (worth $509) when you are among the first 5 successful applicants daily at 2PM & 8PM and when you spend S$500 by the end of the following calendar month
    • Pro-Tip: Set an alarm and click on the apply link at exactly 2PM or 8PM. Do not click before time!
  • This is on top of the usual rewards
  • Remaining applicants will get the usual rewards
  • Valid from from 28 November – 04 December 2025

 

Usual Rewards:

  • Get S$75 eCapitaVoucher + AirPods Pro 3 (worth S$599) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$430 Grab Voucher 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 28 November – 04 December 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

Flash Deal:

  • Get Sony WH-1000XM6 (worth S$649) when you are among the first 4 successful applicants at 2PM & 8PM daily and when you spend S$500 within 30 days of card approval
    • Pro-Tip: Set an alarm, click the apply link at exactly 2PM or 8PM. Do not click before time.
  • This will replace the usual rewards
  • Remaining applicants will get the usual rewards
  • Valid from 28 November – 04 December 2025

 

Usual Rewards:

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or Shark EVOPOWER SYSTEM IQ Cordless Vacuum – CS851SMBR (worth S$599) or  S$480 Grab Voucher or S$450 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid from 28 November – 04 December 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 – 07 December 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

Flash Deal:

  • Get Sony WH-1000XM6 (worth S$649) when you are among the first 4 successful applicants at 2PM & 8PM daily and when you spend S$500 within 30 days of card approval
    • Pro-Tip: Set an alarm, click the apply link at exactly 2PM or 8PM. Do not click before time.
  • This will replace the usual rewards
  • Remaining applicants will get the usual rewards
  • Valid from 28 November – 04 December 2025

 

Usual Rewards:

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or Shark EVOPOWER SYSTEM IQ Cordless Vacuum – CS851SMBR (worth S$599) or  S$430 Grab Voucher or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid from 28 November – 04 December 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$1,000 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

Flash Deal:

  • Get Nintendo Switch 2 (worth S$719) when you are among the first 3 successful applicants at 2PM & 8PM daily and when you spend S$400 within 30 days of card approval
    • Pro-Tip: Set an alarm, click the apply link at exactly 2PM or 8PM. Do not click before time.
  • This will replace the usual rewards
  • Remaining applicants will get the usual rewards
  • Valid from 28 November – 04 December 2025

 

Usual Rewards:

  • Get AirPods Pro Gen 3 (worth S$349) or Morning Coffee Machine + 20 Capsules Bundle (worth 684) or 50,000 OCBC$ (worth a round trip to Bali) or S$400 eCapitaVoucher or S$300 Cash via PayNow when you S$400 within 30 days from card approval
  • Valid from 28 November – 04 December 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

Flash Deal:

  • Get Dyson V8 Slim Fluffy (worth $509) when you are among the first 5 successful applicants daily at 2PM & 8PM and when you spend S$500 by the end of the following calendar month
    • Pro-Tip: Set an alarm and click on the apply link at exactly 2PM or 8PM. Do not click before time!
  • This is on top of the usual rewards
  • Remaining applicants will get the usual rewards
  • Valid from from 28 November – 04 December 2025

 

Usual Rewards:

  • Get S$75 eCapitaVoucher + AirPods Pro 3 (worth S$599) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$430 Grab Voucher 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 28 November – 04 December 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 S$120 Cash via PayNow when your are among the first 300 successful new-to-bank cardholders and spend S$500 within 30 days of card approval
  • This will be in place of the existing rewards
  • Remaining applicants will receive the existing rewards
  • Valid from 01 – 03 December 2025

 

Existing Rewards:

  • Get S$80 Cash via PayNow when you spend S$500 in the first 30 days from card approval date
  • Valid until 03 December 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

    trust card cardface

    Trust Cashback Card

    1. Get one (1) scratch card worth up to S$1,888 in cashback when you use the code: FYS31XY4
    • Valid from 11 – 30 November 2025
    • This is for a limited time only, the scratch card that you receive will give you a chance to win any of the following rewards S$8, S$18, S$28, S$188, S$288, S$1,888, in cashback.
    • T&Cs

     

    2. Lucky Draw: Get 3 chances to win XPENG G6 Electric Car when you apply for any trust card

    • Valid until 31 December 2025
    • Open to new and existing Trust customers as long as the account is of valid and good standing
    • T&Cs

    trust card cardface

    Trust Cashback Card

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

    Mari Credit Card

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

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

    Mari Credit Card

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

     

    Annual Fee
    • None

     

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

     

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

     

    1.7% Cashback Terms and Conditions

    3% Shopee Coins

    3% Overseas Spend

    Read Full Review

    choc visa debit card cardface

    Chocolate Finance

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

    choc visa debit card cardface

    Chocolate Finance

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

     

    Know what this card is best for

    wise logo

    Wise

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

    wise logo

    Wise

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

    Key points:

    • Excellent FX rates

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

    • No rewards, cashback, or miles

    • Great for overseas transfers or paying freelancers

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

    • Supports 50+ currencies with strong in-app controls

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    Youtrip

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

     

    How to qualify:

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

     

    Excluded:

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

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    Youtrip

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

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

    • Instant top-ups 

    • Hold & exchange multiple currencies directly in-app
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    Instarem Amaze

    How To Apply an Instarem Amaze Card:

    1: Download the Instarem app and create an account

    2: Link your mastercard to amaze

    3: Start using your card

    Receive bonus instapoints with code “Ac6aso“

    amaze cardface

    Instarem Amaze

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

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

     

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

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

     

    Full Review

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    UOB Preferred Platinum Visa

    NIL

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    UOB Preferred Platinum Visa Card

      • Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,200 per calendar month
        • Spend caps will be divided into 2 categories:
          • 1st category – Mobile Contactless Payment (S$600 spend cap)
          • 2nd Category – Selected Online Transactions (S$600 spend cap)
      • Earn 0.4 miles per dollar on other spending
      • Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
        • Apple Pay
        • Google Pay
        • Samsung Pay (excluding MST)

       
      Annual Fee
      • S$196.20, first year waived

       

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

       

      Points Expiry
      • UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

       

      Know what this card is best for:

       

      Terms and Conditions

      Read Full Review

      UOB Visa Signature Cardface

      UOB Visa Signature

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

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        Maybank XL Rewards/Cashback Card

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

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

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

        Read Terms and Conditions

         

        How to Maximise Your Rewards

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

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

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

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

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

          Maybank Family & Friends Card

          Step 1: Apply Now
          Step 2: Google Form

          Earn 8% cashback for five of your chosen categories.


          sign-up-deal
          card-summary

          Maybank World Mastercard

          Step 1: Apply Now
          Step 2: Google Form

          Earn 4 miles per dollar on selected petrol stations islandwide and up to 3.2 miles per dollar on foreign currency spend 

          sign-up-deal
          card-summary
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          Maybank XL Rewards/Cashback Card

            • Maybank XL Rewards:

              • Earn 4 miles per dollar on bonus categories such as

                • Local currency spend: dining, travel, shopping, play

                • All foreign currency spending

              • Earn 0.4 miles per dollar on other spends

              • Minimum spend of S$500 and a spending cap of S$1,000 per calendar month

            • Maybank XL Cashback:

              • Earn 5% cashback on bonus categories such as

                • Local currency spend: dining, travel, shopping, play

                • All foreign currency spending

              • Earn 0.2% cashback on other spends

              • Minimum spend of S$500, spending capped at S$1,600; cashback capped at S$80 per calendar month. Yes, the spending cap is higher than the miles version.

              • Only for Maybank XL Cashback card— Cardmembers who hold a Maybank DUO Platinum Mastercard before 1 August 2025 will receive 5% cashback on petrol transactions in Singapore and Malaysia, with no minimum spend required, as long as their card account is in good standing.

                • Eligible petrol transactions include those made at petrol stations classified under MCC 5541 and 5542, as well as fuel purchases charged to a Diamond Sky Fuel Card (linked to the Mastercard) under MCC 8699.

            Annual Fee
            • S$87.20 (waived for the first 2 years), can be waived when you perform an annual spend of S$6,000

             

            Age Requirement: 
            • 21 to 39 years old
             
            Income Requirement
            • S$30,000 (Singaporeans/PRs), S$45,000 (Malaysian), S$60,000 (Foreigners)

             

            Terms and Conditions:

             

            Read Full Review

            UOB Krisflyer Card

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            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

            HSBC Advance Card

            Flash Deal:

            • Get Dyson V8 Slim Fluffy (worth $509) when you are among the first 5 successful applicants daily at 2PM & 8PM and when you spend S$500 by the end of the following calendar month
              • Pro-Tip: Set an alarm and click on the apply link at exactly 2PM or 8PM. Do not click before time!
            • This is on top of the usual rewards
            • Remaining applicants will get the usual rewards
            • Valid from from 28 November – 04 December 2025

             

            Usual Rewards:

            • Get S$75 eCapitaVoucher + AirPods Pro 3 (worth S$599) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$430 Grab Voucher 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 28 November – 04 December 2025
            • Available for New HSBC Cardholders
              • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

            For Existing HSBC Cardholders:

            • Get S$50 cashback when you spend S$500 by the end of the following month
            • Valid until 31 December 2025
            • Available for Existing HSBC Cardholders
              • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
              • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
            • Read Terms and Conditions here
            • Must provide marketing consent to HSBC
            • This gift will be fulfilled directly by HSBC

            HSBC Advance Card

            • Earn 1.5% cashback on all local & overseas purchases with no minimum spend and 2.5% cashback on all local & overseas purchases if you spend more than S$2,000 in a calendar month. Cashback capped at S$70 per calendar month; maximum sweet spot spend is S$2,800
            • This card is best used when you have a large monthly spending of S$2,000 to S$2,800. Particularly best for wedding banquets.
             
            Annual Fee
            • S$196.20, first year waived
             
            Income Requirement
            • The amount of  Total Relationship Balance—combined value of your deposits, investments, and insurance with HSBC, based on average monthly balance over the last 3 months— will determine the income requirement
              • Less than S$50,000 TRB 
                • Salaried (locals/PRs): S$65,000 
                • Self-Employed/Commission-based (locals/PRs): S$65,000
                • Foreigners: S$65,000
              • S$50,000 and above TRB
                • Salaried (locals/PRs): S$30,000 
                • Self-Employed/Commission-based (locals/PRs): S$40,000
                • Foreigners: S$65,000
                   
             
            When is Cashback Credited
            • It will appear on your card statement and be credited to your account before the end of the next calendar month.
             
            Know what this card is best for:

            Terms and Conditions

            Read Full Review

            AMEX True Cashback Card

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

                AMEX True Cashback Card

                • Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap
                • Best used on commonly excluded merchants
                 
                Annual Fee
                • S$174.40 (incl. of 9% GST) waived for the first year
                 
                Income Requirement
                • S$30,000 (locals/PRs); S$45,000 (foreigners)
                 
                When is Cashback Credited
                • Receive cashback in the same month’s statement
                 
                Know what this card is best for

                Terms and Conditions

                Read Full Review

                DBS Altitude Card

                • Get 38,000 miles when you use the promo code: ALTP38, pay the annual fee, have a valid DBS PayLah! account, and spend S$800 within 60 days from card approval date. 
                • Get 28,000 miles when you use the promo code: ALTPW28, choose not to pay the annual fee, but must have a valid DBS PayLah! account and spend S$800 within 60 days from card approval
                • Valid until 01 February 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

                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

                Maybank World Mastercard

                • Receive Samsonite Interlace Spinner 67/24 as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
                • Fill up this google form after signing up to qualify for rewards
                • Read Terms and Conditions here

                Maybank World Mastercard

                • Earn 4 miles per dollar (10X TREATS Points per S$5) spent at specially selected retail stores, restaurants, and all petrol stations islandwide
                • Earn up to 3.2 miles per dollar on foreign currency spend with no cap (3.25% foreign currency fee applies)
                  • Earn 3.2 miles per dollar when you spend a minimum of S$4,000
                  • Earn 2.8 miles per dollar when you spend a minimum of S$800
                  • Earn 0.4 miles per dollar when you spend below S$800
                • Earn 0.4 miles per dollar (10X TREATS Points per S$5) on local spend

                This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)

                 

                Annual Fee
                • S$240, waived for the first year

                 

                Income Requirement
                • S$80,000 (locals/PRs)

                 

                Know what this card is best for

                 

                Terms and Conditions

                Read Full Review