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's Card

Apply Here

Earn 4 miles per dollar on 1 or 2 chosen categories


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OCBC Rewards Card

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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

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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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HSBC Revolution Card

Apply Here

Earn 4 miles per dollar on selected online spend

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Cashback Cards

AMEX True Cashback Card

Apply Here

Earn 1.5% unlimited cashback on almost everything

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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 - VISA

APPLY NOW - AMEX

DBS YUU

Receive S$300 cashback (promo code: CASH300) when you spend S$800 within 60 days of card approval

Valid till: April 30, 2025

APPLY NOW

DBS Live Fresh

Receive S$300 cashback (promo code: CASH300) when you spend S$800 within 60 days of card approval

Valid till: April 30, 2025

APPLY NOW

Maybank eVibes

Get American Tourister luggage when you spend S$150 for the first 2 consecutive months upon card approval

Valid till: May 1, 2025

APPLY NOW

Maybank World Mastercard

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

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

Citi Rewards

Get 2X Hinomi Q1 Ergonomic Office Chair or Apple iPad 9th 10.2" WiFi 64GB or S$420 Shopee Vouchers or S$370 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: March 31, 2025

APPLY NOW

SC Simply Cash

Get Apple iPad 9th 10.2" WiFi 64GB or Apple Watch SE (GEN 2) GPS + Cellular 44mm or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend a minimum of S$500 within 30 days of card approval

Valid till: March 31, 2025

APPLY NOW

DBS Altitude

For AMEX, up to 38,000 miles (Promo Code: ALT38) or up to 28,000 miles with annual fee waiver (Code: ALTW28) when you spend S$800 within 60 days from card approval date

Valid till: April 30, 2025

APPLY NOW - VISA

APPLY NOW - AMEX

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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 Hinomi Q1 Ergonomic Office Chair (worth S$998) orApple iPad 9th 10.2″” WiFi 64GB (worth S$479) orS$420 Shopee Vouchers or S$370 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
    • Valid until 31 March 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 and use the Amaze card instead for offline spending on all categories like shopping, dining, TCM, chiropractors, Google/Tiktok/Facebook Ads
    • 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 & Conditions

    Full Review

    DBS Woman’s World Card

    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

     

    Annual Fee

    S$196.20, (First year waived)

     

    Income Requirement

    S$80,000/year (The income requirement is arbitrary – many have reported to be able to apply for this card via Singpass without any problems)

     

    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 & Conditions

    Full Review

    UOB Lady’s Card

    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 Card: S$2,000
        • This card can be used on Ride Hailing apps as long as you choose the Transport Category

        OCBC Rewards Card

          • Receive an 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 until 16 March 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

          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$500 within 30 days of card approval
            • Valid until 31 March 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:

              • Receive up to 45,000 miles
              • Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval
              • Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval [Recommended]\
              • Promotion is valid until 31 March 2025
              • Read Terms and Conditions here

              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

               

              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 & Conditions

              Full Review

              HSBC Revolution Card

              • Get Dyson™ Supersonic (Worth S$659) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$479) or Dyson AM07 (worth S$499) or Apple Watch SE (GEN 2) GPS 40mm + Stryv – Pro Styler Bundle (worth S$518) or S$199 + S$200 Shopee Voucher when you spend S$800 by the end of the following calendar month from the card account opening date + provide marketing consent
                • Get bonus S$100 Cash via PayNow on top of the physical gifts only (from 07 March – 13 March 2025 only)
              • Valid from From 03 March, 5PM – 31 March 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!

               

              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 Wingsa 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 & Conditions

              Full Review

               

               

               

              AMEX True Cashback Card

                  • Get 3% Cashback when you spend up to S$5,000 on eligible spends within 6 months from card approval date
                  • Read Terms and Conditions here

                  •  

                  AMEX True Cashback Card

                  Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap

                  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