Best Cards for Restaurants

Facebook-f Telegram-plane Whatsapp

Overview:

Dining out is a win-win. Skip the cooking and cleaning, save time, and enjoy great food. Restaurants are also perfect for socializing and trying new cuisines. Let’s explore how to make the most of eating out without breaking the bank. Here’s the best cards for restaurants:

HSBC Live+ Card

Apply Here

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

sign-up-deal
card-summary

Citi Cashback Card

Apply Here - Direct Bank
Apply Here - Singsaver

Earn 8% cashback on petrol & ride-hailing services and 6% cashback on groceries & dining

sign-up-deal
card-summary

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

OCBC 365 Card

Apply Here

Earn 6% cashback on Petrol, 5% cashback on Dining, 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities

sign-up-deal
card-summary

DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

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
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

UOB Krisflyer Card

Apply Here

Earn uncapped 3 miles per dollar on SIA group spend and 2.4 miles per dollar on dining, online shopping, transport & select travel with min. S$1,000 SIA spend/year.

sign-up-deal
card-summary

You can also check out UOB Preferred Platinum Visa as an option which can earn you 4 miles per dollar with S$1,110 cap and no minimum spend.

Conclusion:

From now until 31st Dec 2024, I would choose HSBC Live+ for a sweet 8% cashback with a lower minimum spend required of S$600. You can spend up to S$3,125 in a quarter to earn a maximum cashback of S$250 on that one category alone. It does not place a cashback cap on the category. After 31st Dec 2024, my vote goes to Citi Cashback Card because of its 6% cashback rate and a non restrictive list of where you can dine! If you opt for a pretty straightforward credit card for dining, and wanted to earn miles, Citi Rewards + Amaze could be a great option as it offers a decent earn rate of 4 miles per dollar in all online spend. UOB Lady’s card may be a hit or miss if the restaurant’s MCC does not fall within their specific MCCs.

💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.

💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

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

lobangsis

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

You may have missed…

electricity tower with sunset background
Best Cards For
Best Cards For Utilities
January 5, 2025
international airport
Best Cards For
Best Cards For Airport Lounges Passes
January 5, 2025

Leave a Reply

Your email address will not be published. Required fields are marked *

CREDIT CARDS SIGN UP DEALS

APPLY NOW

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 8, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 6, 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 S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 8, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 6, 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 S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 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.

Subscribe to telegram
Menu
Copyright @lobangsis @ijusttrylah 2025

HSBC Live+ Card

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
  • Valid from from 01 July to 31 July 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 August 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
  • 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 Cashback Card

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 Dyson Airwrap Origin (worth S$549) or S$450 Shopee Voucher or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
  • Valid from 01 July to 08 July 2025
  • Promotion is valid for new to bank credit card holders
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email and complete the registration to secure your reward!

Citi Cashback Card

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

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

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

 

Terms and Conditions

Read Full Review

Maybank Family & Friends 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 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

OCBC 365 Card

    • Receive an Apple Airpods 4 (worth S$199) or Stryv Airflex 2.0 (worth S$369) or S$200 Shopee Voucher or S$160 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
    • Valid from 01 July to 31 July 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 365 Card

    • Earn 6% cashback on Petrol, 5% cashback on Dining, and 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities.
    • This has 2 tiers of spend requirement and cap respectively:
      • Tier 1: S$800;S$80
      • Tier 2: S$1,600; S$160
    • Best paired with OCBC 360 Savings Account as it offers the highest ROI with a minimum spend of S$800 on your first S$100,000 when you credit your salary, make purchases with an eligible OCBC credit card, and save regularly.
     
    Annual Fee
    • S$196.20 (including GST), waived for the first 2 years. 
     
    Income Requirement
    • S$30,000 (locals/PRs); S$45,000 (foreigners
     
    How is Cashback Credited
    • Cashback will be automatically offset against the month’s billed amount
     
    Know what this card is best for

    Terms and Conditions

    Read Full Review

    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

    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 Airwrap Origin (worth S$549) or S$450 Shopee Voucher or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
    • Valid from 01 July to 08 July 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

    UOB Lady Cardface

    UOB Lady’s Card

    NIL

    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$2,000 (wef 1 August 2025, this will be revised to S$1,500. Also, there will be a S$750 spending cap per category)

      Depending on what your planned usage is, you can change the categories every quarter. 

       

      Annual Fee
      • S$196.20 (incl. GST), waived for first year

       

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

       

      Points Expiry
      • They expire 2 years after the final day of each periodic quarter in which they were earned
       
      Know what this cards is best for

       

      Terms and Conditions

      Read Full Review

      UOB Krisflyer Card

      NIL

      UOB Krisflyer Card

      • Earn uncapped 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 
      • Earn 2.4 miles per dollar on eligible everyday spends with a minimum spend of S$1,000 on SIA-related spends in a card membership year
      • Earn 1.2 miles per dollar on all other purchases

       

      Annual Fee
      • S$194.40 (incl. GST), waived for first year

       

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

       

      Know what this card is best for

       

      Terms and Conditions

      Read Full Review

      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

      UOB One Card

      NIL

      UOB One Card

      • Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

        • Base cashback:
          • S$600/S$1,000: 3.33% cashback (capped at S$60/100 per quarter)
        • Additional cashback (capped at S$120 per statement month):
          • Selected Partners: 5%
          • Grocery (MCC 5411): 2.67% – only for Tier 2

      • Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

        • Base cashback: 3.33% cashback (capped at S$200 per quarter)
        • Additional cashback (capped at S$120 per statement month):
          • Selected Partners: 6.67%
          • Grocery (MCC 5411): 4.67%

      Tier 1
      Tier 2
      Tier 3
      Minimum Spend
      S$600
      S$1,000
      S$2,000
      Minimum Transaction Count
      10
      10
      10
      Base Cashback per quarter
      3.33% (S$60 cashback)
      3.33% (S$100 cashback)
      3.33% (S$200 cashback)
      Additional Cashback on Selected Spends
      5%
      5%
      6.67%
      Additional Cashback on Grocery Spend New
      –
      2.67%
      4.67%
      Total
      up to 8.33%
      up to 8.33%
      up to 10%
      These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025)
      • Earn up to 22.66% fuel savings at Shell and SPC
      • Earn 4.33% cashback on Singapore Power utilities bills

       

      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 – only up to 30% of the monthly spending
       
      Quarterly service fee:
      • S$21.80 (inclusive of GST), waived for first 3 years, afterwhich, this fee can be waived if you charge to your card once every 3 months
       
      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: PINING,AGNESN515 (including the comma “,”)
      • 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 July 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 up to 142,500 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 July 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)

             

            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 01 July to 08 July 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, 12 priority visits per calendar 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

                 

                Annual Fee
                • S$651.82 (Non-Waivable)

                 

                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 Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you pay the annual fee, spend S$500 by the end of the following calendar month + provide marketing consent
                • Valid from from 01 July to 31 July 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 Up to 24,000 miles when you pay the annual fee and spend S$1,000 by the end of the following month
                • Valid until 31 August 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 Live+ Card and you apply for HSBC TravelOne, 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 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:

                 

                Terms and Conditions

                Read Full Review

                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.

                 

                Know what this card is best for

                 

                Terms and Conditions

                Read Full Review

                DBS Altitude Card

                • Get one of these gifts when you apply with the promo code and spend S$500 within 30 days from card approval:
                Gift
                Promo Code
                ErgoTune Vesby (worth S$899)
                SSJUL1
                Sony PlayStation® 5 Digital Slim (worth S$669)
                SSJUL2
                Dyson Digital Slim Submarine™ (worth S$699)
                SSJUL3
                Apple iPad 11″ (A16) Wi-Fi 256GB (worth S$649)
                SSJUL4
                S$500 eCapitaVoucher
                SSJUL5

                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

                Standard Chartered Journey Card

                  • Receive Samsonite Straren Spinner 67/24 (worth S$600) or 7K 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 01 July to 31 July 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 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 Airwrap Origin (worth S$549) or S$450 Shopee Voucher or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
                        • Valid from 01 July to 08 July 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

                        Read Full Review