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Best Cards With No Minimum Spend Required

Miles Cards

ENDS 15 OCT 2026 · 2 DAYS LEFT
Rewards Card
Citi Rewards Card
Direct (Citi)
No promo right now
Via SingSaver
No promo right now
Why pick this card
4 mpd on any online transaction + offline fashion & department stores. No minimum spend.
Woman's World Mastercard
DBS Woman's World Mastercard
Why pick this card
10X DBS Points (4 mpd) on all online spending (cap S$1,000/month).
ENDS 31 OCT 2026 · 18 DAYS LEFT
Lady's Card
UOB Lady's Card
Choose 1 Gift Selection form emailed after application
S$80 Cash
worth S$80
via PayNow
The first eligible applicants at 10 PM daily can get the following rewards: 1st and 2nd Applicant: S$400 Cash via PayNow 3rd and 4th Applicant: Samsonite VOLANT SPINNER 68/25 (worth S$480) 5th Applicant: Ergotune Joobie (worth S$599)
Valid till 31 Oct 2026
Requirements (tap to expand)
  • You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
  • Spend min. S$500 within the first 30 days from card approval
  • SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Read full fine print →
Why pick this card
4 mpd on your chosen category. Bonus 2-6 mpd when paired with UOB Lady's Savings Account.
ENDS 31 OCT 2026 · 18 DAYS LEFT
Rewards Card
OCBC Rewards Card
Choose 1 Gift Selection form emailed after application
Dyson Airstrait
Retail S$799
An all-in-one hair straightener that dries and straightens hair using powerful airflow with no hot plates.
Dyson V8 Cyclone cordless vacuum
Worth S$559
A lightweight cordless vacuum with powerful suction for everyday whole-home cleaning.
25,000 MaxMiles by HeyMax
Worth S$450 in travel value
Convert to airline miles or retail vouchers with HeyMax
S$400 Shopee Voucher
Worth S$440
extra savings on your next Shopee purchase
S$380 eCapitaVoucher
No bank details needed
Valid till 31 Oct 2026
Requirements (tap to expand)
  • You qualify if: you have no OCBC credit card right now, AND haven't cancelled any OCBC credit card in the last 12 months
  • Spend min. S$400 within 30 days of card approval
  • SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Read full fine print →
Why pick this card
6 mpd on Watsons, Lazada, Shopee, Taobao & Tiktok Shop (until 31 Mar 2027).
ENDS 1 NOV 2026 · 19 DAYS LEFT
Journey Credit Card
Standard Chartered Journey Credit Card
Choose 1 Gift Selection form emailed after application
3,500 Max Miles by HeyMax
Worth S$63
Convert to airline miles · at HeyMax's published FlyAnywhere rate of 1.8 cents per mile
S$50 Cash via PayNow
No bank details needed
STACKABLE DEAL: Receive up to 3 NVIDIA Shares when you spend S$1,000 + deposit and maintain S$50,000 in fresh funds on Bonus$aver. To receive the NVIDIA shares, you must open an SC Online Trading Account
Valid till 1 Nov 2026
Requirements (tap to expand)
  • You qualify if: you have no SCB credit card right now, AND haven't cancelled any SCB credit card in the last 12 months
  • Spend min. S$1,000 within 30 days of card approval
  • Also apply for 1 additional Standard Chartered product — choose from: a Bonus$aver savings account, a CashOne personal loan, an EasyPay 6-month instalment plan, or a CCFT (Credit Card Funds Transfer). Any one counts.
  • SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Read full fine print →
Why pick this card
Up to 3 mpd on online transport, food delivery & groceries. 2 free Priority Pass lounge visits yearly.
ENDS 18 OCT 2026 · 5 DAYS LEFT
Revolution Credit Card
HSBC Revolution Credit Card
Choose 1 Gift Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
Dyson Clean+Wash Hygiene hard floor cleaner
Worth S$729
vacuums, washes and removes wet and dry messes in one go
Sony WH-1000XM6 Earphone
Worth S$649
wireless noise-cancelling headphones with premium sound, powerful noise cancellation
28,000 Max Miles by Heymax
Worth S$504
Earns you miles redeemable for flights, hotels, and perks · at HeyMax's published FlyAnywhere rate of 1.8 cents per mile
S$500 Cash
Worth S$450
via PayNow
Valid till 18 Oct 2026
Requirements (tap to expand)
  • You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
  • Spend min. S$500 by the end of the month after you're approved. Example: approved in May → spend by 30 June.
  • During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
  • SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Read full fine print →
Why pick this card
4 mpd on contactless, travel & online spend. Up to 8 mpd for HSBC EGA customers (S$50K ADB).
Currently hold a HSBC credit card issued over 12 months ago? Apply here → HSBC gives eligible existing cardholders S$50 cashback directly. Please complete the Rewards Redemption Form sent to your email so your application is properly recorded.
If you cancelled a HSBC credit card in the past 12 months, you don't qualify for either reward.

Cashback Cards

True Cashback Card
AMEX True Cashback Card
Why pick this card
Flat 1.5% unlimited cashback on almost all spend.
Ultimate Platinum Card
DCS Ultimate Platinum Card
Why pick this card
Earn rates on qualifying spend.

💳 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.

author avatar
Audz

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

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Revolution Credit Card
HSBCRevolution Credit Card

4 mpd on contactless, travel & online spend. Up to 8 mpd for HSBC EGA customers (S$50K ADB).

🎁 Choose 1 Gift

  • Dyson Airstrait™ Straightener
  • Dyson Clean+Wash Hygiene hard floor cleaner
  • Sony WH-1000XM6 Earphone
  • 28,000 Max Miles by Heymax
  • S$500 Cash
Apply Now →
📅 Valid till 18 Oct 2026
Rewards Card
OCBCRewards Card

6 mpd on Watsons, Lazada, Shopee, Taobao & Tiktok Shop (until 31 Mar 2027).

🎁 Choose 1 Gift

  • Dyson Airstrait
  • Dyson V8 Cyclone cordless vacuum
  • 25,000 MaxMiles by HeyMax
  • S$400 Shopee Voucher
  • S$380 eCapitaVoucher
Apply Now →
📅 Valid till 31 Oct 2026
Altitude Card
DBSAltitude Card

1.3 mpd local, 2.2 mpd foreign currency. 2 free Priority Pass lounges (Visa only). Non-expiring miles.

🎁 Choose 1 Gift

  • Dyson Cool™ AM07 Tower Fan
  • Morning Mini Coffee Machine + 20 Capsules Bundle
  • 22,000 Max Miles by HeyMax
  • S$350 Shopee Voucher
  • S$320 Cash
Apply Now →
📅 Valid till 15 Oct 2026

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.

🎁 30 deals