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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 31 March 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 28 February 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

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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
UOB Visa Signature Cardface

APPLY NOW

UOB Visa Signature

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

singtel uob cardface

APPLY NOW

Singtel-UOB

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

APPLY NOW

HSBC Revolution

Get Apple Watch SE Gen 3 40mm (GPS) or Dyson Airstraitâ„¢ straightener or 25k 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: February 15, 2026

dbs yuu cardface

APPLY NOW - VISA

APPLY NOW - AMEX

DBS YUU

Get S$175 eCapitaVoucher or 12k HeyMax miles or Apple Airpods 4 or Samsonite STRAREN SPINNER 67/24 or Xiaomi Truclean W20 Wet Dry Vacuum when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: March 1, 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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Maybank Platinum Visa

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

APPLY NOW

FILL OUT GOOGLE FORM

maybank fc barcelona cardface

Maybank FC Barcelona

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

APPLY NOW

FILL OUT GOOGLE FORM

Maybank Family & Friends

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

APPLY NOW

FILL OUT GOOGLE FORM

maybank xl cardface

Maybank XL

Get S$60 cashback when you make one transaction (first 2,000 customers)

Valid till: May 1, 2025

APPLY NOW

FILL OUT GOOGLE FORM

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 28 February 2026
  • Read Terms and Conditions here
  •  

Option 2: Singsaver Promotion

  • Get 25,000 HeyMax Miles (worth S$450) or Dyson Airstraitâ„¢ straightener (worth S$799) or Apple Watch SE Gen 3 40mm (GPS) (worth S$349) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid from 02 – 15 February 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

  • Get S$888 Cash via PayNow or 55k MaxMiles by HeyMax (worth S$990 – equivalent to a round trip to Europe when you successfully apply, and is among the first 20 eligible applicants and when you spend S$800 within the first 30 days from card approval
  • Applicants from 21st-108th will get S$88 Cash via PayNow
  • Remaining applicants will get S$60 Cash via PayNow 
  • Valid for New-to-Bank Cardholders
  • Valid from 02 – 28 February 2026
  • 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

    • Get 50,000 OCBC$ (worth a round trip to Bali) or 25,000 HeyMax Miles (worth $450) or Dyson Airstrait (worth S$799) or S$250 Cash + Xiaomi Luggage Classic Pro 24″ Bundle (total worth S$449) or S$370 Cash via PayNow when you S$400 within 30 days from card approval

    • Valid from 02 – 15 February 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 or Samsonite Straren Spinner 67/24 (worth S$600) or S$200 Grab Voucher 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 01 March 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 31 March 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 Apple Watch SE Gen 3 40mm (GPS) (worth S$349) or Dyson Airstraitâ„¢ straightener (worth S$799) or 25,000 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 from from 02 – 15 February 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 01 February 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 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 $1,000 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 28 February 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

      Mari Credit Card

      • Get up to S$30 Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval + an exclusive S$50 Shopee Voucher Pack when you use on Instant Checkout on Shopee
      • Must be a new-to-bank customer
      • Valid until 31 December 2026
      • Read Terms and Conditions here

      Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

      Mari Credit Card

      • Earn 1.5% Unlimited Shopee Coins with Mari Credit Card Instant Checkout 
      • Earn 1.5% Unlimited Cashback on eligible card spend
      • No minimum monthly spend requirement and no maximum cashback cap
      • No FX fees

       

      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

       

      1.5% Cashback Terms and Conditions

      1.5% Overseas Spend

      1.5% Shopee Coins

      Read Full Review

      singtel uob cardface

      Singtel-UOB Card

      • Get S$888 Cash via PayNow or 55k MaxMiles by HeyMax (worth S$990 – equivalent to a round trip to Europe when you successfully apply, and is among the first 20 eligible applicants and when you spend S$800 within the first 30 days from card approval
      • Applicants from 21st-108th will get S$88 Cash via PayNow
      • Remaining applicants will get S$60 Cash via PayNow 
      • Valid for New-to-Bank Cardholders
      • Valid from 02 – 28 February 2026
      • 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!
      singtel uob cardface

      Singtel-UOB Card

      • Earn 12% cashback on Singtel/GOMO spend
      • Earn 10% cashback on Local Online and Mobile Contactless spend (Apple Pay, Samsung Pay, Google Pay)
      • Earn 0.3% cashback on all other local and overseas spend
      • Minimum spend of S$800 each statement month
      • Total Cashback of S$80
        • Singtel/GOMO spend – S$30
        • Local Online and Mobile Contactless spend – S$30
        • All other spends – S$20
      • At your max hack level, you will need around S$250 worth of spending on Singtel/GOMO Spend and S$300 worth of spending on Local online and mobile contactless spend as well as another S$250 spend on other types of spend to receive the max effective cashback of 7.59%.
      • Get up to 20% fuel savings at SPC
      • No foreign currency fees on overseas spends
      • Get up to S$300 Singtel Vouchers when you spend locally
        • S$24,000 spend/year = S$300 voucher
        • S$12,000/year = S$100 voucher

      DBS Altitude Card

      • Get S$175 eCapitaVoucher or 12K HeyMax Miles (worth S$216) or Apple Airpods 4 (without Active Noise Cancellation) (worth $199) or Samsonite STRAREN SPINNER 67/24 (worth S$600) or Xiaomi Truclean W20 Wet Dry Vacuum (worth S$259) when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval 
      • Valid for New to DBS/POSB Customers only
      • Valid from 02 February – 01 March 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

      Read Full Review