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Best Cards for Telco Bills

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DBS yuu Card

DBS yuu Card

Apply Here - Visa
Apply Here - AMEX

Earn up to 18% cash rebate or 10 miles per dollar at yuu merchants 

sign-up-deal
card-summary
Maybank Family Friends Card

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
DCS Flex Card

DCS Flex Card

Apply Here

Earn up to 8% cash rebates (best value), 2.4 miles per dollar, or 8% investment credits

sign-up-deal
card-summary
Citi Rewards Card

Citi Rewards Card

Apply Here - Direct Bank
Apply Here - Singsaver

Earn 4 miles per dollar on online spend and selected retail

sign-up-deal
card-summary
DBS Womans World Card

DBS Woman's World Card

Apply Here

Earn 4 miles per dollar on online spend

sign-up-deal
card-summary
Conclusion:

DBS Yuu offers the highest earn rate if you are a Singtel customer. Otherwise, Maybank Family & Friends Card may be the best cashback card as it offers a flat 8% cashback on telco bills which is very high for its category and it covers an extensive range of telco providers + it’s pretty straightforward and fuss-free. Alternatively, both Citi Rewards and DBS Woman’s World are good options for miles accumulation.

💳 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

APPLY NOW

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Maybank World Mastercard

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

APPLY NOW

FILL OUT GOOGLE FORM

Maybank Platinum Visa

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

maybank fc barcelona cardface

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Maybank FC Barcelona

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

APPLY NOW

FILL OUT GOOGLE FORM

Maybank Family & Friends

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

View all deals

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

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

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HSBC Revolution

Get Shark EVOPOWER SYSTEM IQ Cordless Vacuum or Dyson Airstrait™ straightener or Apple iPad (A16) 11" Wi-Fi 128GB or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: January 15, 2026

APPLY NOW

dbs yuu cardface

DBS YUU

Get S$200 eCapitaVoucher or Shokz OpenRun Bone Conduction Headphones or Samsonite STRAREN SPINNER 67/24 or Stryv AirFlex 2.0 or Xiaomi W20 Vacuum when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: February 2, 2026

APPLY NOW - VISA

APPLY NOW - AMEX

Citi Rewards

Get 25,000 HeyMax Miles or Dyson Airstrait™ straightener or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: February 1, 2026

APPLY NOW

HSBC Live+

Get Shark EVOPOWER SYSTEM IQ Cordless Vacuum or Dyson Airstrait™ straightener or Apple iPad (A16) 11" Wi-Fi 128GB or S$430 Grab Voucher or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: January 15, 2026

APPLY NOW

dbs yuu new cardface

DBS yuu Card

  • Get S$200 eCapitaVoucher or Shokz OpenRun Bone Conduction Open-Ear Headphones (worth S$249) or Samsonite STRAREN SPINNER 67/24 (worth S$600) or Stryv AirFlex 2.0 (worth S$369) or Xiaomi Truclean W20 Wet Dry Vacuum (worth S$259) when you apply with with the promo code: SINGSAVER, and spend S$100 within 30 days from card approval
  • Valid for New to DBS/POSB Customers only
  • Valid from 26 December 2025 – 12 January 02 February 2026
  • Read Terms and Conditions here
DBS Yuu Cardfdace

DBS yuu Card

  • Enjoy base award of 10 yuu points per dollar spent (equivalent to 5% rebates or 2.78 miles per dollar) at yuu merchants with no minimum spend and no cap

  • Enjoy additional bonus award of 26 yuu points per dollar spent (equivalent to 13% rebates or 7.22 miles per dollar) at yuu merchants when you hit S$800 total qualified spend in a calendar month, capped at 28,800 points per calendar month. This means the spending cap for the bonus earn rate is at S$800. 

  • Earn 0.5 yuu point per dollar spent (equivalent to 0.25% rebates or 0.14 miles per dollar) at all other non-yuu merchants

  • yuu Points awarded can only be tracked on yuu Rewards app

    • Use my referral code (KWMLISBL) when you sign up on the app to receive 2,000 yuu points.

  • AMEX version offers special discounts like 30% off hotel reservations, free trials on PressReader, and 15% off Bloomingdale’s.

 

Annual Fee
  • S$196.20, first year waived

 

Income Requirement
  • S$30,000 (locals/PRs); S$45,000 (foreigners)

 

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

DCS Flex Card

NIL

DCS Flex Card

  • You can choose from three (3) reward options: Miles, Cash Rebates, or Investment
  • Earn up to 2.4 miles per dollar
  • Earn up to 8% cash rebates
  • Earn up to 8% investment credits
  • Minimum monthly spend of S$600
  • Capped at:
    • Miles: 750 miles per category; total 3,000 miles for all 4 categories
    • Cash Rebates: S$25 per category, total S$100 for all 4 categories
    • Investment Credits: S$25 per category, total S$100 for all 4 categories

 

Annual Fee
  • Monthly service fee of S$15, (first year waived; afterwhich, you can perform minimum 5 transactions per month to waive the monthly fee) – effective 1 July 2025, this will be decreased to S$10

 

Income Requirement
  • S$30,000 (locals/PRs) or S$15,000 (aged 56 and above); S$60,000 (foreigners)

 

Where and how will I receive the miles/cashback/investment credits
  • Miles are credited to your Miles holding account and can be transferred to your Krisflyer account in multiple of 5,000 miles. A conversion fee of S$25 (subject to GST) applies for each redemption request and the process make take up to 15 working days.
    • Here’s how to redeem:
      • Open the DCS Cards App and go to the Rewards Tracker screen
      • Tap “Redeem” or “Redeem Miles” on the Benefit History screen
      • Choose a redemption amount or enter a custom amount in multiples of 5,000 miles, then tap “Confirm.”
  • Cash Rebates will be credited on your card account in the following statement, applied to offset the billed amount.
  • Investment Credits will be deposited to your designated iFast account on the following month.
 
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 28 February 2026
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

  • Get 25,000 HeyMax Miles (worth S$450) or Dyson Airstrait™ straightener (worth S$799)  or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid from 16 January – 01 February 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

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 Absolute AMEX Card

Flash Deal:

  • Get S$120 Cash via PayNow or S$130 Grab Voucher when your are among the first 300 successful new-to-bank cardholders and spend S$500 within 30 days of card approval
  • This will be in place of the existing rewards
  • Remaining applicants will receive the existing rewards
  • Valid from 10-31 December 2025

Existing Rewards:

  • Get S$80 Cash via PayNow or S$85 Grab Voucher when you spend S$500 in the first 30 days from card approval date
  • Valid until 31 December 2025
  • Valid for New-to-Bank Cardholders
  • Read Terms and Conditions here

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 28 February 2026
  • Read Terms and Conditions here

 

 

Option 2: Singsaver Promotion

  • Get 25,000 HeyMax Miles (worth S$450) or Dyson Airstrait™ straightener (worth S$799)  or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid from 16 January – 01 February 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 Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or 25,000 HeyMax Miles (worth $450) or S$370 Cash via PayNow  when you S$400 within 30 days from card approval

  • Valid from 16 January – 01 February 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 31 March 2026
  • Read Terms and Conditions here

 

Singsaver Reward:
  • Get S$350 Cash via PayNow or S$370 Grab Voucher when you spend a minimum of S$800 within 30 days of card approval and apply for one of the following within 60 days of card approval:
    • EasyPay: Min. 3 transactions of S$150 minimum each, 12-month tenure
    • Bonus$aver Account: Min. deposit S$3,000
    • CashOne Personal Loan: Min. S$1,000, 12-month tenure
    • Credit Card Funds Transfer: Min. S$1,000, 3-month tenure
  • Promotion is valid for new to bank credit card holders
  • Valid until 01 December 2025 – 02 February 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

NIL

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

HSBC Advance Card

  • Get Dyson Airstrait™ straightener (worth S$799) or 25,000 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 from from 16 January – 01 February 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 01 February 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 28 February 2026
      • Read Terms and Conditions here

       

      Option 2: Singsaver Promotion

      • Get 25,000 HeyMax Miles (worth S$450) or Dyson Airstrait™ straightener (worth S$799)  or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
      • Valid from 16 January – 01 February 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$200 eCapitaVoucher or Shokz OpenRun Bone Conduction Open-Ear Headphones (worth S$249) or Samsonite STRAREN SPINNER 67/24 (worth S$600) or Stryv AirFlex 2.0 (worth S$369) or Xiaomi Truclean W20 Wet Dry Vacuum (worth S$259) when you apply with with the promo code: SINGSAVER, and spend S$100 within 30 days from card approval
      • Valid for New to DBS/POSB Customers only
      • Valid from 26 December 2025 – 12 January 02 February 2026
      • Read Terms and Conditions here

      DBS Altitude Card

      • Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
      • This comes with two complimentary lounge passes per 12-month membership period

       

      Annual Fee
      • S$196.20 (inclusive of GST), first year waived

       

      Income Requirement
      • S$30,000 (locals/PRs); S$45,000 (foreigners)

       

      Points Expiry
      • No expiry

       

      Know what this card is best for:

       

      Terms and Conditions

      Read Full Review

      UOB PRVI Card

      FOR VISA CARD ONLY:

      • Get GoPro Hero13 (worth S$590) when you successfully apply, and is among the first 135 eligible applicants and when you spend S$1,500 within the first 30 days from card approval
      • Remaining applicants will get S$60 Cash via PayNow 
      • BONUS: Get a chance to win an iPhone 17 (256GB) (worth S$1,299)
        • only 12 winners will be chosen
        • all applicants have a chance to the lucky draw
      • Valid for New-to-Bank Cardholders
      • Valid from 02 – 31 January 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!

      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 Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or 25,000 HeyMax Miles (worth $450) or S$370 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 from 16 January – 01 February 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

      Read Full Review

      Mari Credit Card

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

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

      Mari Credit Card

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

       

      Annual Fee
      • None

       

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

       

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

       

      1.7% Cashback Terms and Conditions

      3% Shopee Coins

      3% Overseas Spend

      Read Full Review

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      Trust Cashback Card

      1. Get one (1) scratch card worth up to S$1,000 in cashback when you use the code: FYS31XY4

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

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

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      Trust Cashback Card

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

      How To Apply an Instarem Amaze Card:

      1: Download the Instarem app and create an account

      2: Link your mastercard to amaze

      3: Start using your card

      Receive bonus instapoints with code “Ac6aso“

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      Instarem Amaze

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

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

       

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

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

       

      Full Review

      UOB Visa Signature Cardface

      UOB Visa Signature

      • Get GoPro Hero13 (worth S$590) when you successfully apply, and is among the first 135 eligible applicants and when you spend S$1,500 within the first 30 days from card approval
      • Remaining applicants will get S$60 Cash via PayNow 
      • BONUS: Get a chance to win an iPhone 17 (256GB) (worth S$1,299)
        • only 12 winners will be chosen
        • all applicants have a chance to the lucky draw
      • Valid for New-to-Bank Cardholders
      • Valid from 02 – 31 January 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!
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      UOB Visa Signature

        • Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
        • Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
        • Spending Cap:
          • Until 1 August 2025 Statement:
            • Combined cap of S$2,000 per statement month
          • From 1 September 2025 Statement – Split into 2 categories:

            • Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month

            • Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month

              Note: Categories 1 and 2’s cap are separate — you can meet just one or both.

         
        Annual Fee
        • S$218 first year waived

         

        Income Requirement
        • S$50,000 (locals/PRs); S$40,000 (foreigners)

         

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

         

        Terms and Conditions

        Read Full Review

        Maybank World Mastercard

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

        Maybank World Mastercard

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

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

         

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

         

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

         

        Know what this card is best for

         

        Terms and Conditions

        Read Full Review