If you prefer keeping things simple and using just one credit card for almost all your spending, this list focuses on cards that earn rewards with no minimum spend requirement and can be used almost anywhere. No tracking categories, no monthly thresholds — just consistent rewards on everyday spend. Here, I break down the different cashback and miles cards for general spending.
What to Look for in a General Spending Card
When choosing a general spending card, the key is consistency and simplicity. Look for a card with no minimum spend requirement, so you earn rewards even in low-spend months, and a flat earn rate that applies to almost all transactions, not just selected categories. It should work well for everyday expenses like groceries, dining, online shopping, bills, and occasional big purchases without forcing you to track caps or exclusions. Also consider how easy the rewards are to use — whether cashback is automatically credited or miles don’t expire — because complicated redemption rules can reduce real value. A good general spending card should fit seamlessly into your daily life, not require you to change how you spend just to earn rewards.
In a nutshell:
- Has no minimum spend
- Earns rewards on almost all transactions
- Doesn’t require constant tracking or optimisation
Cashback Cards
Cards | Earn Rate | Cashback Cap | Notes |
UOB Absolute Cashback | 1.7% cashback | – | No spending exclusions; however AMEX is not readily accepted by merchants |
Citi Cashback+ | 1.6% cashback | – | |
OCBC Infinity | 1.6% cashback | – | Best paired with OCBC 360 account to earn extra interest |
Standard Chartered Simply Cash | 1.5% cashback | – | |
AMEX True Cashback | 1.5% cashback | – | however AMEX is not readily accepted by merchants |
HSBC Advance | 1.5% cashback (no minimum spend) 2.5% cashback (minimum spend of S$2,000) | S$70 per calendar month | Can be used for up to S$2,800 worth of spending to maximise cashback |
Why pick this card
1.7% unlimited cashback on most spend (0.3% on charity, education, healthcare, utilities, GrabPay top-ups).
ENDS 30 JUN 2026 · 27 DAYS LEFT
Direct (Citi)
8% Cash Back
8%
on first S$4,000 spend in 2 months
Requirements (tap to expand)
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$4,000 in the first 2 months of card approval
- 8% = 1.6% base (no cap) + 6.4% bonus on the first S$4,000 of qualifying spend (bonus capped at S$256)
Valid till 30 Jun 2026
Via SingSaver
🎁 Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
Galaxy Buds 4 Pro + S$150 eCapitaVoucher
Worth S$499
Wireless earbuds with HQ sound, active noise cancellation, and smart features for calls and media
S$380 Cash via PayNow
No bank details needed
Requirements (tap to expand)
- You qualify if: you have no Citibank credit card right now
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Ended 14 May 2026
Why pick this card
Flat 1.6% unlimited cashback on every spend. No categories, no minimums.
ENDS 30 JUN 2026 · 27 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries + styles in one pass
25,000 MaxMiles by HeyMax
Worth S$600 in travel value
Convert to airline miles or retail vouchers with HeyMax
Dyson V8 Cyclone Cordless Vacuum
Worth S$559
Cordless cleaning vacuum with strong suction
Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle
Worth S$529
S$400 Cash via PayNow
No bank details needed
💡 ⚡ Flash Deal (until 12 May 2026): First 4 eligible applicant at 2 PM SGT daily wins Dyson Digital Slim Fluffy (worthS$799). This is on top of the usual rewards!
Valid till 30 Jun 2026
Requirements (tap to expand)
- You qualify if: you have no OCBC credit card right now
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
Flat 1.6% unlimited cashback. Stacks with OCBC 360 Account.
ENDS 30 JUN 2026 · 27 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
Galaxy Buds4 Pro + S$100 eCapitaVoucher
Worth S$449
Wireless earbuds + shop at CapitaLand malls
S$370 Grab Voucher
Use at hawker stalls, taxis, food delivery
S$350 Cash via PayNow
No bank details needed
Valid till 30 Jun 2026
Requirements (tap to expand)
- You qualify if: you have no SCB credit card right now, AND haven't cancelled any SCB credit card in the last 12 months
- Spend min. S$800 within 30 days of card approval
- Also apply for 1 additional Standard Chartered product — choose from: a Bonus$aver savings account, a CashOne personal loan, an EasyPay 6-month instalment plan, or a CCFT (Credit Card Funds Transfer). Any one counts.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
1.5% unlimited cashback. No minimum spend.
ENDS 30 JUN 2026 · 27 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
Galaxy Buds 4 Pro + S$160 eCapitaVoucher
Total worth S$509
Wireless earbuds with HQ sound, active noise cancellation, and smart features for calls and media
S$400 Cash
Worth S$400
via PayNow
💡 ⚡ Flash Deal (until 01 June 2026): First 5 eligible applicant at 2 PM & 8PM SGT daily gets an additional S$50 Cash on top of the chosen gift.
Valid till 30 Jun 2026
Requirements (tap to expand)
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Spend min. S$500 by the end of the month after you're approved. Example: approved in May → spend by 30 June.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
1.5%–2.5% unlimited cashback on all spend.
Currently hold a HSBC credit card issued over 12 months ago? Apply here → HSBC gives eligible existing cardholders S$50 cashback directly. Please complete the Rewards Redemption Form sent to your email so your application is properly recorded.
If you cancelled a HSBC credit card in the past 12 months, you don't qualify for either reward.
Miles Cards
Cards | Earn Rate | Lounge Access | Notes |
Citi Premiermiles | 1.2 miles per dollar (local) 2.2 miles per dollar (overseas) | 2 free airport lounge passes per calendar year principal cardholder can bring guest | Best used for local spendings Miles never expire |
DBS Altitude | 1.3 miles per dollar (local) 2.2 miles per dollar (overseas) | 2 free airport lounge passes per membership year (VISA only) principal cardholder can bring guest | Best used for local spendings
Miles never expire |
UOB PRVI Miles | 1.4 miles per dollar (local) 3 miles per dollar (Malaysian Ringgit, Indonesian Rupiah, Thai Baht, Vietnamese Dong) 2.4 miles per dollar (other currencies | 4 free airport lounge passes per membership year
guest is not allowed | Best used for MYR, IDR, THB, VND currencies Miles expire after 2 years |
OCBC 90N | 1.3 miles per dollar (local) 2.1 miles per dollar (overseas) | No Lounge Access | Miles never expire |
ENDS 30 JUN 2026 · 27 DAYS LEFT
Direct (Citi)
🎁 Choose 1 Gift
8,000 Bonus Citi Miles
8,000 miles
First-year S$192.60 annual fee waived
30,000 Bonus Citi Miles
30,000 miles
S$192.60 First-year annual fee paid
Requirements (tap to expand)
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
- Pick Tier 1 OR Tier 2 at application — only one Welcome Gift per applicant
Valid till 30 Jun 2026
Via SingSaver
🎁 Choose 1 Gift
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries and smooths hair at the same time
25,000 Max Miles by Heymax
Worth S$600+
Earns you miles redeemable for flights, hotels, and perks
Dyson V8 Cyclone Vacuum Cleaner
Worth S$559
Cordless cleaning vacuum with strong suction
Galaxy Buds 4 Pro + S$150 eCapitaVoucher
Worth S$499
Wireless earbuds with HQ sound, active noise cancellation, and smart features for calls and media
S$380 Cash via PayNow
No bank details needed
Requirements (tap to expand)
- You qualify if: you have no Citibank credit card right now
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Ended 14 May 2026
Why pick this card
1.2 mpd locally, 2 mpd on foreign currency. 2 complimentary lounge visits yearly. Miles don't expire.
ENDS TOMORROW · 1 DAY LEFT
🎁 FASTEST FINGERS FIRST!
Selection form emailed after application
Apple iPad (A16) 11" Wi-Fi 128GB
Worth S$499
Only for the first 350 eligible applicants
2× AirPods 4
Worth S$398
For the remaining Applicants
Ends 4 Jun 2026
Requirements (tap to expand)
- You qualify if: you have no DBS/POSB credit card right now, AND haven't cancelled any DBS/POSB credit card in the last 12 months
- Enter promo code SINGSAVER during application
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
1.3 mpd local, 2.2 mpd foreign currency. 2 free Priority Pass lounges (Visa only). Non-expiring miles.
Why pick this card
1.4 mpd local, 3 mpd foreign currency, 6 mpd on direct hotel & flight bookings. 4 free lounge visits yearly.
ENDS 30 JUN 2026 · 27 DAYS LEFT
🎁 Choose 1 Gift
Selection form emailed after application
20,000 OCBC 90°N Miles
Worth a round trip to Bali
Flexible reward points redeemable for air miles, hotel loyalty points, vouchers, or statement credits
Dyson Airstrait™ Straightener
Retail S$799
Hair straightener that dries + styles in one pass
25,000 MaxMiles by HeyMax
Worth S$600 in travel value
Convert to airline miles or retail vouchers with HeyMax
Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle
Worth S$529
S$400 Cash via PayNow
No bank details needed
Valid till 30 Jun 2026
Requirements (tap to expand)
- You qualify if: you have no OCBC credit card right now
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
1.2 mpd local currency spend, 2.1 foreign currency spend. Miles never expire.
Conclusion
For a simple one-card strategy, these general spending cards give rewards on almost every transaction with no minimum spend. Choose cashback for steady, fuss-free returns, or miles if you want to accumulate rewards for travel— either way, you earn consistently without tracking or overthinking.
