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Best Cards With No Minimum Spend Required

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Miles Cards

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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DBS Woman's World Card

Apply Here

Earn 4 miles per dollar on online spend

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card-summary
UOB Lady Cardface

UOB Lady's Card

Apply Here

Earn 4 miles per dollar on 1 or 2 chosen categories


sign-up-deal
card-summary

OCBC Rewards Card

Apply Here

Earn 6 miles per dollar on Watsons, Lazada, Shopee, Tiktok Shop, and Taobao (until 31 December 2025) and 4 miles per dollar on Eligible Online and Offline Spends

sign-up-deal
card-summary

Standard Chartered Journey Card

Apply Here - Direct Bank
Apply Here - Singsaver (Fee Waiver)
Apply Here - Singsaver (Fee Paying)

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

Apply Here

Earn 4 miles per dollar on selected online and contactless spend (until 31 October 2025)

sign-up-deal
card-summary

Cashback Cards

AMEX True Cashback Card

Apply Here

Earn 1.5% unlimited cashback on almost everything

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card-summary

DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

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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

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

Citi Rewards

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

Valid till: July 8, 2025

APPLY NOW

HSBC Live+

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

Valid till: July 6, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

Citi Rewards

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

Valid till: July 8, 2025

APPLY NOW

HSBC Live+

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

Valid till: July 6, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

APPLY NOW

View all deals

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

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

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Copyright @lobangsis @ijusttrylah 2025

Citi Rewards Card

Option 1: Direct Bank Promotion

  • Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
  • Valid til 31 July 2025
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

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

Citi Rewards Card

  • Earn 4 miles per dollar on online spending, with no minimum spend and a spending cap of S$1,000 per statement month.
  • You can use this card for any online spending inclusive of ride-hailing apps or taxis.
  • Pro tip: Pair this card to Amaze for Overseas Offline Spending
  • Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)

  • Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
    This is on top of 4 miles per dollar on Citi Rewards + Amaze.

 

Annual Fee
  • S$194.40 (First year waived)

 

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

 

Points Expiry
  • After 60 months (5 years) from the date the card is opened (i.e. not from the transaction date)., reward points will expire.

 

Transfer Partners
  • Krisflyer, Flying Blue, British Airways, Thai Royal Orchid, Etihad, Asia Miles, EVA Air, IHG, Qatar Airways, Turkish Airlines, Qantas

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

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

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$1,500 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

NIL

UOB Lady Cardface

UOB Lady’s Card

    • Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
    • Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
    • No minimum monthly spending required
    • Spending Cap:
      • Classic Card: S$1,000
      • Solitaire & Above Card: S$2,000 (wef 1 August 2025, this will be revised to S$1,500. Also, there will be a S$750 spending cap per category)

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

     

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

     

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

     

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

     

    Terms and Conditions

    Read Full Review

    OCBC Rewards Card

      • Receive an Apple Airpods 4 (worth S$199) or Stryv Airflex 2.0 (worth S$369) or S$200 Shopee Voucher or S$160 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
      • Valid from 01 July to 31 July 2025
      • Read Terms and Conditions here
      • Must fulfill spending requirement to receive gift confirmation
      • Remember to check for SingSaver email to secure your rewards after you have applied!

      OCBC Rewards Card

      • Earn 6 miles per dollar on Watsons, Lazada, Shopee (except Shopee Pay transactions), Tiktok Shop, and Taobao (until 31 December 2025). 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

        • Receive Samsonite Straren Spinner 67/24 (worth S$600) or 7K Max Miles or S$250 Shopee Voucher or S$180 Cash via PayNow when you spend S$800 within 30 days of card approval
        • Valid from 01 July to 31 July 2025
        • Read Terms and Conditions here
        • Promotion is valid for new to bank credit card holders
        • Must fulfill spending requirement to receive gift confirmation
        • Remember to check for SingSaver email to secure your rewards after you have applied!

         

        Stackable with Direct Bank Rewards:

        My thoughts: If you were going to apply for this card, you would probably get the better value from choosing the annual fee paying option as you would get extra 20,000 miles for S$196.20, making your cost per mile to be 0.9 cents per mile. Do take note of the minimum spend criteria within 2 months of card approval as well as spending on eligible transactions for your qualifying spend to maximise the sign up rewards.

        Standard Chartered Journey Card

        • Earn up to 3 miles per dollar on selected bonus categories in SGD; 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. All with no minimum monthly spending required. This card is best for those who spend a lot on the bonus online categories such as transportation, grocery and food delivery with a spending cap of S$1,000 per statement month
        • This comes with 2 complimentary airport lounge passes

         

        Annual Fee
        • S$196.20 (incl. 9% GST), should be waivable

         

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

         

        Points Expiry
        • The points never expire

         

        Transfer Partners
        • Krisflyer & Cathay Pacific Asia Miles
         
        Know what this card is best for:

         

        Terms and Conditions

        Full Review

        HSBC Revolution Card

        • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
        • Valid from from 01 July to 31 July 2025
        • Available for New HSBC Cardholders
          • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

         

        For Existing HSBC Cardholders:

        • Get S$50 cashback when you spend S$500 by the end of the following month
        • Valid until 31 August 2025
        • Available for Existing HSBC Cardholders
          • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
          • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
        • Read Terms and Conditions here
        • Must provide marketing consent to HSBC
        • This gift will be fulfilled directly by HSBC

        HSBC Revolution Card

        • Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month
        • The categories include:
          • Department Stores and Retail Stores
          • Dining (excluding hotel dining)
          • Transportation & Membership Clubs
          • Travel-Related (until 31 October 2025 only)
        • You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,000 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 October 2025. 

         

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

         

        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

            • Receive Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval
            • Valid from 21 April to 30 July 2025
            • Promotion is valid for new to bank credit card holders
            • Read Terms and Conditions here
            • Must fulfill spending requirement to receive gift confirmation

            AMEX True Cashback Card

            • Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap
            • Best used on commonly excluded merchants
             
            Annual Fee
            • S$174.40 (incl. of 9% GST) waived for the first year
             
            Income Requirement
            • S$30,000 (locals/PRs); S$45,000 (foreigners)
             
            When is Cashback Credited
            • Receive cashback in the same month’s statement
             
            Know what this card is best for

            Terms and Conditions

            Read Full Review

            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

            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

            UOB PRVI Card

            NIL

            UOB PRVI Card

            • Earn 1.4 miles per dollar for local spending
            • Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
              • 3 miles per dollar on selected currencies:
                • Malaysian Ringgit
                • Indonesian Rupiah
                • Thai Baht
                • Vietnamese Dong
              • 2.4 miles per dollar on other currencies
            • Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
            • One-way Airport Transfer Service for AMEX Version only
            • S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

             

            Annual Fee
            • S$261.60, first year waived
             
            Income Requirement
            • S$30,000 (locals/PRs); S$40,000 (foreigners)
             
            Points Expiry
            • UNI$ expire two (2) years after the last day of the quarter in which they were earned.

             

            Know what this card is best for

             

            Terms and Conditions

            Read Full Review

            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

            DBS Altitude Card

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

            DBS Altitude Card

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

             

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

             

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

             

            Points Expiry
            • No expiry

             

            Know what this card is best for:

             

            Terms and Conditions

            Read Full Review