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Best Cards With No Minimum Spend Required

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Miles Cards

Citi Rewards Cardface

Citi Rewards Card

Apply Here - Direct Bank
Apply Here - Singsaver

Earn 4 miles per dollar on online spend and selected retail

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card-summary
DBS Womans World Cardface

DBS Woman's World Card

Apply Here

Earn 4 miles per dollar on online spend

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


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card-summary

OCBC Rewards Card

Apply Here

Earn 6 miles per dollar on Watsons, Lazada, Shopee, Tiktok Shop, and Taobao (until 30 June 2026) and 4 miles per dollar on Eligible Online and Offline Spends

sign-up-deal
card-summary

Standard Chartered Journey Card

Apply Here - Fee Waiver
Apply Here - Fee Paying
Apply Here - Direct Bank

Earn 1.2 miles per dollar on local spend, 2 miles per dollar on foreign currency spend, 3 miles per dollar on selected bonus categories

2 Priority Pass visits per membership year

sign-up-deal
card-summary
HSBC Revolution Card cardface

HSBC Revolution Card

Apply Here

Earn 4 miles per dollar on selected online and contactless spend (until 31 March 2026)

sign-up-deal
card-summary

Cashback Cards

AMEX True Cashback Card cardface

AMEX True Cashback Card

Apply Here

Earn 1.5% unlimited cashback on almost everything

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

💳 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 Airstraitâ„¢ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 2026

ocbc infinity

APPLY NOW

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 Airstraitâ„¢ 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 Airstraitâ„¢ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 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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Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstraitâ„¢ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 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 Airstraitâ„¢ 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 Airstraitâ„¢ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$450 Grab Voucher or S$420 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: April 12, 2026

APPLY NOW

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 Airstraitâ„¢ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$450 Grab Voucher or S$420 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid until 12 April 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 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

    OCBC Rewards Card

    Flash Deal:

    • Get an Apple iPad Air (M4) 11′ Wi-Fi 128GB (worth S$899) when you are among the first 3 applicants at 2PM or 8PM daily and when you spend S$400 within 30 days of card approval
    • Valid for New-to-Bank Cardholders
    • Valid from 13 to 16 April 2026
    • This will replace the usual rewards
    • Remaining applicants who didn’t make it to the cut will receive the usual rewards

     

    Usual Rewards:

    • Get 50,000 OCBC$ (worth a round trip to Bali) or 22,000 HeyMax Miles (worth $600) or Dyson Airstrait (worth S$799) 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 Rewards Card

    • Earn 6 miles per dollar on Watsons, Lazada, Shopee (except Shopee Pay transactions), Tiktok Shop, and Taobao (until 31 March 2026). Capped at S$1,000 per calendar month
    • Earn 4 miles per dollar on Eligible Online and Offline Spends, capped at S$1,110 per calendar month
    • Pair with Amaze for converting offline overseas retail spending to earn 4 miles per dollar

     

    Annual Fee
    • S$196.20 (including GST), waived for the first 2 years

     

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

     

    Points Expiry
    • OCBC$ expires every 2 years and can pool across cards that earn OCBC$, but not with OCBC’s other rewards currencies (Travel$, VOYAGE Miles) – This means if you have other OCBC$ earning cards (eg. OCBC Rewards Blue and Pink), you can transfer the miles together from both card at one shot with a single transfer fee.

     

    Know what this card is best for

     

    Terms and Conditions

    Read Full Review

    Standard Chartered Journey Card

      Singsaver Reward:
      • Get 12,000 Max Miles by HeyMax (worth a roundtrip to Kuala Lumpur with a travel value of S$210+) or Samsonite Straren Spinner 67/24 (worth S$600) or Apple Airpods 4 (without Active Noise Cancellation) (worth S$199) or S$180 Cash via PayNow when you spend S$800 within 60 days of card approval and apply for one of the bonus products within 60 days of card approval (must apply visa 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.
      • Valid until 03 May 2026
      • 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!

       

      Stackable with Direct Bank Rewards:
      • Receive up to 30,000 miles
      • Receive 10,000 miles when you pay the annual fee under “Fee Paying” option
      • Receive 20,000 miles when you make a min. spend of S$800 within 60 days of card approval (This is available for both fee paying and fee waiver option)
      • Therefore, fee paying option earns 30K miles, fee waiver option earns 20K miles, if requirements are met
      • Promotion is valid until 30 June 2026
      • Read Terms and Conditions here

      My thoughts: If you were going to apply for this card, you should choose the fee waiver option as the cost per mile is 196.20/10,000 miles = 1.96 cents per mile, which is quite expensive.

      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

      HSBC Revolution Card

      • Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstraitâ„¢ 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 Revolution Card

      • Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month (until 28 February 31 March 2026)
      • The categories include:
        • Department Stores and Retail Stores
        • Dining (excluding hotel dining)
        • Transportation & Membership Clubs
        • Travel-Related 
      • You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,500 per calendar month.
      • The rewards points conversion fee is waived indefinitely— transferring your points is completely free!
      • Note: Contactless payment, upsized cap of S$1,500, and travel-related category will only be available until 31 March 2026. 

       

      Special hack: 

      Even though you may not be able to use the card for flights or hotel bookings directly, you can actually use atome to make your bookings via agoda or trip.com and pay via atome platform. Atome’s MCC is 5999 which falls under 4 mile per dollar category. In addition, spreading your travel spending across 3 months instalments can help you keep within the S$1,000 spending cap. However, you will not be able to earn extra cashback on platforms like Shopback or Azgo.

      If you are new to Atome, you can sign up here to receive points that is equivalent to S$10 off your first transaction. 

       

      Annual Fee
      • None

       

      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
             

      Points Expiry
      • 37-month period, starting from the month after the month in which the points were acquired

       
      Transfer Partners
      • Japan Airlines, Air Canada Aeroplan, Fortune Wings Club, Qatar Airlines, Turkish Airlines, Mileage Plus, Krisflyer, Thai Royal Orchid Plus, Flying Blue, Air Asia, British Airways, Asia Miles, Etihad, EVA Air, Qantas, Vietnam Airlines

       

      Know what this card is best for:

       

      Terms and Conditions

      Read 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

      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

      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

          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

          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 Airstraitâ„¢ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$450 Grab Voucher or S$420 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
          • Valid until 12 April 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

          OCBC 365 Card

          Flash Deal:

          • Get an Apple iPad Air (M4) 11′ Wi-Fi 128GB (worth S$899) when you are among the first 3 applicants at 2PM or 8PM daily and when you spend S$400 within 30 days of card approval
          • Valid for New-to-Bank Cardholders
          • Valid from 13 to 16 April 2026
          • This will replace the usual rewards
          • Remaining applicants who didn’t make it to the cut will receive the usual rewards

           

          Usual Rewards:

          • 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

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          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

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          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

          HSBC Live+ Card

          • Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstraitâ„¢ 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

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          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

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