• 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 March – 31 March 2025
• Read Terms and Conditions here

• 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

Know what this card is best for:

• Best Cards for Utilities
• Best Cards for BUS/MRT
• Best Cards for Wedding Banquet
• Best Cards for Petrol
• Best Cards for Food Delivery
• Best Cards for Grocery
• Best Cards for Hospital

Terms & Conditions

Full Review

Option 1: Direct Bank Promotion

• Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval

• Valid til 31 July 2025

• Read Terms and Conditions here

Option 2: SingSaver Promotion

• Get 2X Hinomi Q1 Ergonomic Office Chair (worth S$998) or Apple iPad 9th 10.2″” WiFi 64GB (worth S$479) or S$400 Shopee Vouchers or S$350 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.

• Valid until 31 March 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!

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

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

Annual Fee

S$196.20 (incl. 9% GST), first year waived

Income Requirement

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

When is Cashback Credited

Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of $10. S$50 is the minimum cash back withdrawal amount (after that, multiples of S$10). When your cashback total reaches S$50, it will be automatically credited to your credit card statement. Through the Citi Mobile App, you will also be able to monitor the cashback you have earned.

Know what this card is best for:

• Best Cards for Ride Hailing Apps
• Best Cards for Petrol 
• Best Cards for Grocery Shopping
• Best Cards for Restaurant

Terms and Conditions

Full Review

• Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 cashback 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

• 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)
• 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

• • 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 Card: S$2,000
• This card can be used on Ride Hailing apps as long as you choose the Transport Category

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 2X Hinomi Q1 Ergonomic Office Chair (worth S$998) orApple iPad 9th 10.2″” WiFi 64GB (worth S$479) orS$420 Shopee Vouchers or S$370 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
• Valid until 31 March 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!

Annual Fee

Know what this card is best for:

• Best Cards for Telco
• Best Cards for Ride Hailing Apps
• Best Cards for Petrol 
• Best Cards for Food Delivery
• Best Cards for Grocery Shopping
• Best Cards for Restaurant
• Best Cards for Online Shopping
• Best Cards for Hospital
• Best Cards for Electronics
• Best Cards with No Min Spend
• Best Card to Pair with Amaze
• Best Cards for Wedding Banquet

Terms & Conditions

Full Review

• Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 cashback 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

• 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

S$800 Minimum Spend:

• 10% cash rebates on online food delivery from foodpanda and Deliveroo
• 3% cash rebates on other dining spends
• 5% cash rebates on Malaysia Ringgit spend every Saturday and Sunday
• 5% cash rebates on Online Shopping at selected merchants
• up to 3% cash rebates on Telco Bills
• 8% cash rebates at Popular Bookstores

No Minimum Spend:

• 3% cash rebates on Pet Lovers Centre (Min. S$15 Spend on regular-priced items)
• 5% cash rebates on Sheng Siong
• up to 22.93% on fuel savings when you use it on SPC petrol stations islandwide.
• up to 3% cash rebates on utility bills with selected electricity retailers

• Receive an Apple Airpods 4 (worth S$199) or S$170 Shopee Voucher or S$150 Cash via PayNow or Stryv Colour+ Hair Dryer (worth S$129) when you make atleast one transaction with no minimum spend within 30 days of card approval
• Valid until 16 March 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!

• Earn 6% cashback on Petrol and Groceries, 5% cashback on Dining, and 3% cashback on Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities.
• This has 2 tiers of spend requirement and cap respectively:
  • Tier 1: S$800;S$80
  • Tier 2: S$1,600;S$160

• 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

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

• 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

• Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 cashback 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

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.

• 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 April 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.

Earn 2% cashback with no minimum spend required and a maximum monthly spend of S$10,000 per calendar month

• Get 3% Cashback when you spend up to S$5,000 on eligible spends within 6 months from card approval date
• Read Terms and Conditions here

Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap

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 2X Samsonite Straren Spinner 67/24 (worth S$1,200) or Apple iPad 9th 10.2″” WiFi 64GB (worth S$479) or S$450 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
• Valid until 31 March 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!

• 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, 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

Know what this card is best for:

• Best Cards for Airport Lounge
• Best Cards for Insurance
• Best Cards for Renovations, MCST, donations, Tax, Rent

Terms & Conditions

Full Review

• Receive up to 85,000 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 60,000 miles
• Promotion is valid for new and existing DBS credit cardmember
• Promotion is valid until 30 April 2025
• Read Terms and Conditions here

• 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.

Terms & Conditions

Full Review

• Get Dyson™ Supersonic (Worth S$659) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$479) or Dyson AM07 (worth S$499) or Apple Watch SE (GEN 2) GPS 40mm + Stryv – Pro Styler Bundle (worth S$518) or S$199 + S$200 Shopee Voucher when you spend S$800 by the end of the following calendar month from the card account opening date + provide marketing consent + pay annual fee
  • Get bonus S$100 Cash via PayNow on top of the physical gifts only (from 07 March – 13 March 2025 only)
• Valid from From 03 March, 5PM – 31 March 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!

• 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:

• Best Cards for Airport Lounge

Terms & Conditions

Full Review

• Receive 20,000 miles when you sms PMAF last 4 alphanumeric of NRIC/passport registered with UOB to 77862 to register by 30 April 2025
• Receive 26,000 miles if you are among the first 50 participants who spends min. S$2,000 per month for 2 consecutive months from card approval date AND with first year annual fee payment of S$261.60 (inclusive of 9% GST)
• Receive 5,600 to 12,000 miles when you spend a minimum of S$2,000 per month for 2 consecutive months. (Based on an Earn rate of 1.4 miles per dollar for local transactions and up to 3 miles per dollar for overseas spend)
• Valid until 31 March 2025
• Terms and conditions here

• 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 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

Terms & Conditions

Full Review

• 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$500 within 30 days of card approval
• Valid until 31 March 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:

• Receive up to 45,000 miles
• Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval
• Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval [Recommended]\
• Promotion is valid until 31 March 2025
• Read Terms and Conditions here

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.

• 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

Terms & Conditions

Full Review

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 2X Samsonite Straren Spinner 67/24 (worth S$1,200) or Apple iPad 9th 10.2″” WiFi 64GB (worth S$479) or S$450 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
• Valid until 31 March 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!

• Earn uncapped 1.2 miles for every $1 spent in Singapore dollars and 2 miles for every $1 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!

Terms & Conditions

Full Review