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Best Cards for Restaurants

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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 cardface

HSBC Live+ Card

Apply Here

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

sign-up-deal
card-summary
Citi Cashback Cardface

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 Cardface

Maybank Family & Friends Card

Step 1: Apply Now
Step 2: Google Form

Earn 6% or 8% cashback for five of your chosen categories.

sign-up-deal
card-summary
OCBC 365 Cardface

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 cardface

DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

sign-up-deal
card-summary
Citi Rewards Cardface

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 Ladys 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 cardface

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.

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lobangsis
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lobangsis

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

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CREDIT CARDS SIGN UP DEALS

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Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 3, 2026

ocbc infinity

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OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

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HSBC Revolution

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstrait™ straightener or 22k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: May 3, 2026

APPLY NOW

Citi Cashback

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 3, 2026

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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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Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 3, 2026

APPLY NOW

ocbc infinity

OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

APPLY NOW

HSBC Revolution

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstrait™ straightener or 22k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: May 3, 2026

APPLY NOW

Citi Cashback

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 3, 2026

APPLY NOW

HSBC Live+ Card

  • Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstrait™ straightener (worth S$799) or 22,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
  • Valid until 03 May 2026
  • 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 03 May 2026
  • 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 Cashback Card

Option 1: Direct Bank Promotion

  • Receive S$300 cashback Welcome Offer when you spend S$800 in the first 2 months upon card approval
  • Valid til 4 May 2026
  • Read Terms and Conditions here

 

Option 2: Singsaver Promotion

  • Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid until 03 May 2026
  • 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 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 6% or 8% cashback for five (5) of your chosen spend categories across ten (10) options.
    • Each category has a cashback cap of S$120 or S$180 (which would max out at S$333.33 or S$375 of spending per category)
  • Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
  • Minimum spend of S$800 (Effective 01 January 2026, these changes will take effect):
Tier
Minimum Spend
Cap per Category
Tier 1 – 6% cashback
S$800 per calendar month
S$20 (max S$333.33 spend)
Tier 2 – 8% cashback
S$1,600 per calendar month
S$30 (max S$375 spend)
Base cashback will also drop from 0.3% to 0.22% for all other spend.
  • Earn unlimited 0.22% 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

  • Get Dyson Airstrait (worth S$799) or 22,000 HeyMax Miles (worth $600) or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle (worth S$529) or S$400 Cash via PayNow when you S$400 within 30 days from card approval

  • Valid until 03 May 2026

  • 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 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 4 May 2026
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

  • Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid until 03 May 2026
  • 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

  • First eligible applicant at 2pm and 10pm daily to claim the below reward:
    • 01 – 15 April 2026
      • 2PM – S$500 Cash via PayNow  
      • 10PM – Dyson Airstrait (cost S$400, worth S$799)
    • 16 – 30 April 2026
      • 2PM – Apple iPhone 17 256G (worth S$1,299)
      • 10PM – 44k MaxMiles by HeyMax (worth S$792) 
  • Remaining Customers: S$90 Cash via PayNow
  • Must spend S$500 within the first 30 days from card approval
  • 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!
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

    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

    UOB Visa Signature Cardface

    UOB Visa Signature

    • First eligible applicant at 2pm and 10pm daily to claim the below reward:
      • 01 – 15 April 2026
        • 2PM – S$500 Cash via PayNow  
        • 10PM – Dyson Airstrait (cost S$400, worth S$799)
      • 16 – 30 April 2026
        • 2PM – Apple iPhone 17 256G (worth S$1,299)
        • 10PM – 44k MaxMiles by HeyMax (worth S$792) 
    • Remaining Customers: S$90 Cash via PayNow
    • Must spend S$500 within the first 30 days from card approval
    • 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!
    UOB Visa Signature Cardface

    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

      uob ppv cardface

      UOB Preferred Platinum Visa

      NIL

      uob ppv cardface

      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

        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

        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

        UOB One Card

        • First eligible applicant at 2pm and 10pm daily to claim the below reward:
          • 01 – 15 April 2026
            • 2PM – S$500 Cash via PayNow  
            • 10PM – Dyson Airstrait (cost S$400, worth S$799)
          • 16 – 30 April 2026
            • 2PM – Apple iPhone 17 256G (worth S$1,299)
            • 10PM – 44k MaxMiles by HeyMax (worth S$792) 
        • Remaining Customers: S$90 Cash via PayNow
        • Must spend S$500 within the first 30 days from card approval
        • 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!

        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

        POSB Everyday Card

        • Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval 
        • Valid for New to DBS/POSB Customers only
        • Valid until 15 April 2026
        • Read Terms and Conditions here

        POSB Everyday Card

        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

         

        Annual Fee

        S$196.20 (incl. of GST), waived for the first year.

         

        Income Requirement

        S$30,000 and above per annum (locals & PRs); S$45,000 and above per annum (Foreigner)

         

        Where do I redeem my Daily$

        You can redeem you Daily$ using various options:

          • Instants Daily$ redemption:
            • Use your Daily$ to offset your purchase instantly in-stores at participating merchants: Sheng Siong, SPC, Watsons, Pet Lovers Centre
          • DBS PayLah!
            • Offset any of your purchases with Daily$ anytime, anywhere. Find out more here
          • Digibank Online
            • Offset your credit card bills or redeem Krisflyer miles. Find out more here
          • Participating Merchants’ Website or Mobile App
            • Use Daily$ to offset your online purchases instantly at participating merchants’ website or mobile app:
              • DBS Apple Rewards Store
              • Shopee
              • Zalora
              • AXS

         

        Know what this card is best for

         

         

        Terms and Condition

        Full Review

        UOB Absolute AMEX Card

        • First eligible applicant at 2pm and 10pm daily to claim the below reward:
          • 01 – 15 April 2026
            • 2PM – S$500 Cash via PayNow  
            • 10PM – Dyson Airstrait (cost S$400, worth S$799)
          • 16 – 30 April 2026
            • 2PM – Apple iPhone 17 256G (worth S$1,299)
            • 10PM – 44k MaxMiles by HeyMax (worth S$792) 
        • Remaining Customers: S$90 Cash via PayNow
        • Must spend S$500 within the first 30 days from card approval
        • 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!

        UOB Absolute AMEX Card

        • Earn 1.7% cashback with no minimum spend requirement, no cashback cap, and no spend exclusions
        • You can get 0.3% cashback on Grab Top-Up, this is the only card that still give rewards for GarbPay
         
        Annual Fee
        • S$196.20 (incl. GST), waived for first year
         
        Income Requirements
        • S$30,000 (locals/PRs); S$40,000 (foreigners)
         
        When is Cashback Credited
        • Cashback earned in current statement period is automatically used to offset the following month’s bill
         
        Know what this card is best for
         

        Terms and Conditions

        Read Full Review

        Citi Cashback+ Card

        Option 1: Direct Bank Promotion

        • Receive 8% cash back Welcome Offer for up to S$4,000 spend in the first 2 months of card approval
        • Valid til 4 May 2026
        • Read Terms and Conditions here

         

        Option 2: Singsaver Promotion

        • Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
        • Valid until 03 May 2026
        • 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 up to 1.6% cashback on all eligible spending with no minimum spend and no cap
        • Since there’s no maximum spending limit, you can make a one-time payment using this card on Hospital Bills

         

        Annual Fee
        • S$196.20 (incl. 9% GST)

         

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

         

        When/How is Cashback Credited
        • You must redeem cash rebate via SMS and you must have at least S$10 in your Card account

         

        Know what this card is best for:

         

        Terms and Conditions

        Read Full Review

         

        ocbc infinity

        OCBC Infinity Card

        • Get Dyson Airstrait (worth S$799) or 22,000 HeyMax Miles (worth $600) or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle (worth S$529) or S$400 Cash via PayNow when you S$400 within 30 days from card approval

        • Valid until 03 May 2026

        • 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 infinity

        OCBC Infinity Card

        • Get 1.6% cashback on all of your purchases, whether they are transacted local, online, in stores, and overseas with no minimum monthly spending required and no maximum spending cap
        Annual Fee
        • S$196.20 (first year waived)
         
        Income Requirement
        • S$30,000 (locals/PRs); S$45,000 (foreigners)
         
        When is Cashback Credited
        • Cashback will be automatically credited to your OCBC Infinity card account by the end of the following calendar month. Cashback will be automatically offset against that month’s billed amount.

         

        Terms and Conditions

        Read Full Review

        Standard Chartered Simply Cash Card

        Direct Bank Reward:
        • Get Samsonite MODUS Spinner 25” (worth S$610) and S$100 cashback when you spend S$800 within 60 days of your card approval
        • Valid until 30 June 2026
        • Read Terms and Conditions here

         

        Singsaver Reward:
        • Get S$350 Cash via PayNow or S$370 Grab Voucher or Samsung Galaxy Buds4 Pro + S$100 eCapitaVoucher (worth S$449) when you spend a minimum of S$800 within 30 days of card approval and apply for one of the bonus products within 60 days of card approval (must apply via Singsaver):
          • EasyPay (can be applied directly (not via SingSaver) and will still be eligible if conditions are met)
            • Complete 3 retail credit card transactions of min. S$150 each (Min. tenure: 12 months
          • Bonus$aver Account
            • Open account with min. S$3,000 deposit
          • CashOne Personal Loan
            • Min. approved loan: S$1,000 (Min. tenure: 12 months)
          • Credit Card Funds Transfer (CCFT)
            • Min. approved amount: S$1,000 (Min. tenure: 3 months)
        • Note: After card approval, Singsaver will email you the link where you can apply for a bonus product, you MUST apply through that link only to secure the reward. Applying on the direct bank website will not be valid.
        • Promotion is valid for new to bank credit card holders
        • Valid until 03 May 2026
        • 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!

        Standard Chartered Simply Cash Card

        • Earn a flat 1.5% cashback rate, with no minimum spend requirement, and no cashback cap. This card can be used in basically anything and everything spending! This can be an ultimate card to use when paying for wedding banquet venues!

         

        Annual Fee
        • S$196.20 (including 9% GST), waived for the first two years

         

        Income Requirement
        • S$30,000 (locals/PRs); S$60,000 (foreigners)
         

        When is Cashback Credited
        • The cashback for your eligible spending per statement cycle will be credited into your Simply Cash Credit Card in the following statement month.

         

        Know what this card is best for:

         

        Terms and Conditions

        Full Review

        AMEX True Cashback Card

        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

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        HSBC Advance Card

        • Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstrait™ straightener (worth S$799) or 22,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
        • Valid until 03 May 2026
        • 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 03 May 2026
        • 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

        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 4 May 2026
            • Read Terms and Conditions here

             

            Option 2: Singsaver Promotion

            • Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
            • Valid until 03 May 2026
            • 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

            DBS Altitude Card

            • Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval 
            • Valid for New to DBS/POSB Customers only
            • Valid until 15 April 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

            UOB PRVI Card

            • First eligible applicant at 2pm and 10pm daily to claim the below reward:
              • 01 – 15 April 2026
                • 2PM – S$500 Cash via PayNow  
                • 10PM – Dyson Airstrait (cost S$400, worth S$799)
              • 16 – 30 April 2026
                • 2PM – Apple iPhone 17 256G (worth S$1,299)
                • 10PM – 44k MaxMiles by HeyMax (worth S$792) 
            • Remaining Customers: S$90 Cash via PayNow
            • Must spend S$500 within the first 30 days from card approval
            • 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!

            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

            OCBC 90N Card

            • Get Dyson Airstrait (worth S$799) or 22,000 HeyMax Miles (worth $600) or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle (worth S$529) or S$400 Cash via PayNow or 20,000 90°N Miles (worth a round trip to Bali) when you S$400 within 30 days from card approval

            • Valid until 03 May 2026

            • 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 90N Card

            • Earn 1.3 miles per dollar on local spend (6.5 miles per S$5) and 2.1 miles per dollar on overseas spend (10.5 miles per S$5) with no minimum monthly spending required
            • Best used on Agoda bookings to earn 7 miles per dollar on this designated website www.agoda.com/90n
            • Utilize the complimentary 3x 1GB 5-Day global data roaming by Flexiroam per calendar year exclusively for the mastercard version + 15% discount on all subsequent Flexiroam data plans
            • Best used with Cardup to pay for insurance, mortgage, renovation, etc
             
            Annual Fee
            • S$196.20 (including GST), waived for the first year
             
            Income Requirement
            • S$30,000 (locals/PRs); S$45,000 (foreigners)
             
            Points Expiry
            • No expiry
             
            Transfer Partners
            • Krisflyer, Air France, British Airways, Cathay Pacific, United Mileage Plus; Accor Live Limitless, IHG One Rewards, Marriot Bonvoy, Etihad Guest
             
            Know what this card is best for

            Terms and Conditions

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