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 |
Citi Cashback+ Card
Earn 1.6% cashback on general spend
OCBC Infinity Card
Earn 1.6% cashback on all of your purchases, transacted local, online, in stores, and overseas
Standard Chartered Simply Cash Card
Earn 1.5% cashback with no minimum spend and no cap
AMEX True Cashback Card
Earn 1.5% unlimited cashback on almost everything
HSBC Advance Card
Earn 1.5% cashback with no minimum spend and 2.5% cashback on all local & overseas purchases with a minimum spend of S$2,000
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 |
Citi PremierMiles Card
Earn 1.2 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend
2 Priority Pass visits per calendar year
DBS Altitude Card
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)
UOB PRVI Card
Earn 1.4 miles per dollar on local spend and up to 3 miles per dollar on foreign currency spend
4 Priority Pass visits per calendar year
OCBC 90N Card
Earn 1.3 miles per dollar on local spend and 2.1 miles per dollar on foreign currency spend
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.
