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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card-summary

DBS Woman's World Card

Apply Here

Earn 4 miles per dollar on online spend

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card-summary

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 and MCC 5311 ’til 30 June 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

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card-summary

HSBC Revolution Card

Apply Here

Earn 4 miles per dollar on selected online spend

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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

AMEX True Cashback

Get Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval

Valid till: June 30, 2025

APPLY NOW

HSBC Advance

Get Sony Vlog Camera ZV-1F or Dyson Airstrait Straightener or Apple iPad (A16) 11" Wi-Fi 128GB or Dyson™ V12 Origin or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: April 30, 2025

APPLY NOW

HSBC Revolution

Get Dyson Airstrait Straightener or Dyson™ V12 Origin or Apple iPad (A16) 11" Wi-Fi 128GB or GoPro Hero13 Black Action Camera or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent.

Valid till: April 30, 2025

APPLY NOW

HSBC TravelOne

Get Dyson Airstrait Straightener or Dyson™ V12 Origin or Apple iPad (A16) 11" Wi-Fi 128GB or GoPro Hero13 Camera or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent + pay annual fee

Valid till: April 30, 2025

Citi Rewards

Get 2x Treasures Poh Heng Gold Bar or Dyson V12 Origin or Dyson Supersonic or Apple iPad (A16) 11" Wi-Fi 128GB or DJI Osmo Action 5 Pro Standard Combo or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 4, 2025

APPLY NOW

HSBC Live+

Get Sony Vlog Camera ZV-1F or Dyson Airstrait Straightener or Apple iPad (A16) 11" Wi-Fi 128GB or Dyson™ V12 Origin or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: April 30, 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 Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Apple iPad 9th 10.2" WiFi 64GB or Dyson Cool™ Fan AM07 or S$400 Shopee Voucher or S$370 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: May 1, 2025

APPLY NOW

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

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

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Citi Rewards 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 2x Treasures Poh Heng 1gm Gold Bar in Yellow Gold (999) or Dyson V12 Origin (worth S$749) or Dyson Supersonic (worth S$649) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or DJI Osmo Action 5 Pro Standard Combo (worth S$489) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
  • Valid from 25 April to 4 May 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 - Miles
Apply Here - Physical Gifts

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’s Card

NIL

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

    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 Apple Airpods 4 (worth S$199) or S$170 Shopee Voucher or S$150 Cash via PayNow or Stryv Colour+ Hair Dryer (worth S$129) when you make atleast one transaction with no minimum spend within 30 days of card approval
      • Valid from 7 April to 1 May 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 and MCC 5311 (Department Stores) 30 June 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 12K 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 7 April to 1 May 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 of S$3000 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 Dyson Airstrait Straightener (worth S$799) or Dyson™ V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or GoPro Hero13 Black Action Camera (worth S$590) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month from the card account opening date + provide marketing consent
        • Valid from 25 April (3PM) to 30 April 2025
        • Available for New HSBC Cardholders
        • 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!

        HSBC Revolution Card

        • Earn 4 miles per dollar on selected online spend categories both local and overseas, capped at S$1,000 per calendar month
        • The categories include:
          • Department Stores and Retail Stores
          • Dining (excluding hotel dining)
          • Transportation & Membership Clubs
        • 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!

         

        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 June 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

            • Receive one (1) CATERPILLAR Industrial Plate Trunk worth S$320 when you apply for any 2 participating DCS Credit Cards and make a min. cumulative spend of S$350 per month for 2 consecutive months from card approval date
            • Valid for new and existing credit cardholders
            • Promo valid until 30 April 2025
            • Read Terms and Conditions here
            • Take note that first two consecutive months is calculated differently by DCS (See below). More accurately, it should be first and third month.

            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 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 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases with minimum spend of S$800
            • Earn uncapped 3 miles per dollar on eligible everyday spends
            • 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

            Mari Credit Card

            • Get up to 13% Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval
            • You must be among the first 50,000 New Mari Credit Card Holders
            • Must be a new-to-bank customer
            • Valid until 30 April 2025
            • For more information on the promotion, please refer to: https://www.maribank.sg/promo

            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

            DBS Altitude Card

            Option 1: Miles
            • Get up to 38,000 miles when you spend S$800 within 60 days from card approval
              • Promo Code: ALT38 – 38,000 miles when you pay the annual fee
              • Promo Code: ALT28 – 28,000 miles (annual fee waived)
            • Valid for New to Bank Cardholders
            • Valid from 1 March until 30 April 2025
            • Read Terms and Conditions here

            Pro Tip: Choose the one with the annual fee waived 

             
            Option 2: Physical Gifts (Limited Time Promo)
            • Get one of the following gifts when you apply for this card, enter the promo code, and spend a minimum of S$500 within the first 30 days from card approval date
              • Nintendo Switch OLED (worth S$549) – Code: SSMAR1
              • Apple iPad 9th Gen (worth S$749) – Code: SSMAR2
              • Apple AirPods Pro Gen 2 with MagSafe Charging Case + MagSafe Charger (worth S$408) – Code: SSMAR3
              • S$350 eCapitaVoucher – Code: SSMAR4
            • Promo valid until 30 April 2025
            • Promotion is valid for new DBS/POSB credit cardmembers only
            • Not stackable with other welcome offers from DBS/POSB
            • Must fulfill spending requirement to receive gift confirmation
            • 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