Standard Chartered Smart Card Review | What You Need To Know

Standard Chartered Smart Card

(WE DON’T PROMOTE THIS CARD ANYMORE)

Earn 6% cashback or 5.6 miles per dollar in the form of reward points on selected merchants

Standard Chartered Smart Card Overview:

The Standard Chartered SMART Credit Card Singapore is a budget-friendly option for everyday spenders seeking cashback rewards. Forget complicated reward tiers – the SMART card offers a straightforward 6% cashback in the form of reward points on specific merchants.

Check out my TikTok video where I review the Standard Chartered Smart Card—it’s the number one (the best!) credit card for earning miles and cashback on bus and MRT rides!

Eligibility & Fees:

  • Minimum Age: 21 years old
  • Minimum Annual Income: S$30,000 (locals/PRs); S$60,000 (foreigners)
  • Annual Fee: Waived for life (From 6 December 2025, a fee of S$91 (excluding GST) will apply)

Key Benefits:

  • Earn 10% cashback or 9.28 miles per dollar for spends above S$1,500 for bonus categories
  • Earn 8% cashback or 7.42 miles per dollar on spends below S$1,500 for bonus categories
  • Earn 0.5% cashback or 0.46 miles per dollar on spends below S$800
  • This has No Bonus Cap

Best Used Locally for Below Merchants:
Bonus Categories
Current
Smart Dining
– Mcdonalds
– Burger King
– KFC
– Subway
– Toastbox
– Yakun
– Dominos NEW 
– Starbucks NEW
– Coffee Bean NEW
– Pizza Hut NEW
Smart Streaming
– Disney+
– Spotify
– Netflix
– Youtube
– Amazon Prime NEW
– iQiyi NEW
– Viu NEW
– HBO Go NEW
Smart Transport
– Bus/MRT
– Electrical Vehicle Charging* NEW
*All transactions under the MCC 5552 for Electric Vehicle (EV) charging will be included and valid only until 31 December 2025.

(see Buffs/Nerfs for more information)

Redeem Cash, Even If You Love Miles:
  • You can redeem either cashback or miles, but unless you eat $500 of fast food every month, it would not be worth converting the points to miles as the minimum amount of conversion points required is 10,000 points— you will likely end up with orphan points. In addition, each miles transfer requires you to pay a transfer fee. Therefore, I would opt for cashback as 6% cashback is a great deal.
 
Redeem Reward Points Regularly:
  • There is a weird expiry policy on the card (see FAQ for more)
 
Avoid Foreign Spend:
  • Best used on local transactions; using it in foreign spends will incur you a 3.5% foreign currency fee while earning only 0.5% cashback on your spending
Exclusion List:

a. any cash advance;

b. any Credit Card Funds Transfer;

c. any monthly instalment of an EasyPay transaction;

d. any amounts charged to your Smart Card that is subsequently cancelled, voided, refunded or reversed;

e. AXS, SAM or ATM transactions made using your Smart Card;

f. any insurance premiums charged to your Smart Card;

g. recurring payments (being automatic payments where the Smart Cardholder or supplementary Smart Card cardholder has given a one-time authorisation or instruction for the merchant to charge the payment directly to his/her Smart Card at a fixed interval, such as transactions made pursuant to Standard Chartered Bank (Singapore) Limited’s 0% Interest Instalment Plan) or payments made to all billing organisations using Standard Chartered Online Banking or mobile app;

h. any fees or charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges);

i. amounts which have been rolled over from any preceding month’s statement;

j. tax refunds credited into your Smart Card;

k. charges incurred but not submitted or posted to your Smart Card account during the Smart Card Promotion Period;

l. any fraudulent retail transaction;

m. any payments related to betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel charged to your J Smart Card;

n. any top-ups or payment of funds to any prepaid cards and any prepaid accounts including without limitation:

  • any transaction classified under either of the following Merchant Category Codes:
    • Financial Institutions – Merchandise, Services, and Debt Repayment (6012); or
    • Non-Financial Institutions – Stored Value Card Purchase/Load (6540); and
  • any top-ups or payment of funds to the following accounts or any other accounts as we may specify from time to time:
    • EZ LINK PTE LTD
    • EZLINK*
    • TRANSIT LINK*
    • EZ LINK PTE LTD (FEVO)
    • EZ LINK
    • TRANSIT LINK PL
    • EZ-LINK PTE LTD SINGAPORE
    • EZLINKS.COM
    • TRANSIT
    • EZ-LINK TOP-UP KIOSK
    • FLASHPAY ATU
    • PAYPAL * BIZCONSULTA
    • EZ-LINK (IMAGINE CARD)
    • TRANSITLINK*
    • PAYPAL * CAPITALROYA

o. any transactions under these MCCs:

MCC
Description
4829
Money Transfer
4900
Utilities – Electric, Gas, Water, and Sanitary
5047
Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
5199
Nondurable Goods (Not Elsewhere Classified)
6050
Quasi Cash – Financial institutions, Merchandise, Services
6051
Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment
6211
Security Brokers/Dealers
6513
Real Estate Agents and Managers
6529
Quasi Cash – Remote Stored Value Load – Financial Institute
6530
Quasi Cash – Remote Stored Value Load – Merchant
6534
Quasi Cash – Money Transfer – Member Financial Institution
7299
Other Services – Not Elsewhere Classified
7349
Cleaning, Maintenance and Janitorial Services
7511
Quasi Cash – Truck Stop Transactions
7523
Parking Lots, Parking Meters and Garages
8062
Hospitals
8211
Elementary and Secondary Schools
8220
Colleges, Universities, Professional Schools, and Junior Colleges
8241
Correspondence Schools
8244
Business and Secretarial Schools
8249
Vocational and Trade Schools
8299
Schools and Educational Services (Not Elsewhere Classified)
8398
Charitable Social Service Organizations
8651
Political Organizations
8661
Religious Organizations
8999
Professional Services (Not Elsewhere Classified)
9211
Court Costs, Including Alimony and Child Support
9222
Fines
9223
Bail and Bond Payments
9311
Tax Payments
9399
Government Services (Not Elsewhere Classified)
9402
Postal Services – Government Only
9405
U.S. Federal Government Agencies or Departments
Buffs:
  • Cashback of up to 10% on Bonus Categories + Additional Merchants
    • Smart Dining, Smart Streaming, and Smart Transport:
Bonus Categories
Current
Smart Dining
– Mcdonalds
– Burger King
– KFC
– Subway
– Toastbox
– Yakun
– Dominos NEW 
– Starbucks NEW
– Coffee Bean NEW
– Pizza Hut NEW
Smart Streaming
– Disney+
– Spotify
– Netflix
– Youtube
– Amazon Prime NEW
– iQiyi NEW
– Viu NEW
– HBO Go NEW
Smart Transport
– Bus/MRT
– Electrical Vehicle Charging* NEW
*All transactions under the MCC 5552 for Electric Vehicle (EV) charging will be included and valid only until 31 December 2025.
  • Unlimited Cashback:
    • Monthly cap of 14,400 Rewards Points will be removed

  • SmartDelay™:
    • Get complimentary lounge access in case of flight delays, effective 15 January 2025

 

Nerfs:
  • Changes in Bonus Category:
    • for spends less than S$800, the cashback will drop to 4% (only until 31 March 2025) then it will reduce to 0.5% effective 1 April 2025.

Minimum Spend
Bonus Categories Rate
Other Eligible Spend
Less than S$800
4%
0.5%
(1.6 points)
0.5%
(1.6 points)
S$800
8%
(25.6 points)
0.5%
(1.6 points)
S$1,500
10%
(32 points)
1%
(3.2 points)
A minimum of 3,200 360o Rewards Points is required for each redemption of S$10 cashback.
  • Annual Fee:
    • Waived for the first 12 months, then a S$91 annual fee (excluding GST) will be charged on your account from 6 December 2025.

  • Installment Conversion fee
    • a new processing fee will apply for 3-month instalment conversions effective 8 December 2024

  • Effective Interest rate:
    • The Effective Interest Rate (“EIR”) will be reverted to the base rate of 27.9% per annum

Read FAQs here

The biggest drawback would probably be the addition of minimum spend requirement. These changes seem to point towards benefitting those who spend more than S$1,500 or more on the current and new merchants with the uncapped 10% cashback potential. 

Advantages:
  • No minimum spend
  • No annual fee
  • 6% cashback with no minimum spend criteria is unheard of in cashback credit cards
 
Disadvantages:
  • Limited merchants
  • Bonus 360° Reward Points capped at 14,400 per month (equivalent to S$818 Spending cap at 6% earn rate)
  • have to manually redeem cashback or miles
  • Reward points expire 3 years from your card opening date. (See FAQ for more)
  • How do I redeem for my cashback with my Rewards Points: you can redeem the cashback via the bank’s Online Rewards Page. Cashback can be redeemed in blocks of S$10. Every 3,200 of 360° Reward Points entitles you to a S$10 cashback for your Smart Credit Card.
  • When do the 360 reward points expire: The points expire 3 years from your card opening date, which is very strange. Your points earned the day before your 3rd year card anniversary date could just expire the next day. You could set a redemption reminder date 3 years from your card opening date. Alternatively, you could keep the points in your account low by doing regular redemption. This way, even if you forget, all is not lost.
  • Is there a an expiry date on 360 Rewards with other cards: SCB Journey Card points don’t expire, unlike the SCB Smart Card, SCB Rewards+, and other points-earning cards, which have expiry dates.
Final Thoughts:

This card would be great for those whose purchasing patterns involve a lot of fast food, coffee shop hopping, digital subscriptions, and public transportation, as there is no yearly annual fee and no minimum monthly spend required to get reward points. Although given that it has a decent 6% cashback rate, you can only earn it on specific merchants. This is still my current primary card for SimplyGo transactions for bus and mrt rides. Very good card in my opinion.

💳 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.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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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

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: YUU380) when you spend S$800 within 60 days of card approval

Valid till: October 31, 2025

Maybank XL

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

Valid till: May 1, 2025

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$450 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: October 31, 2025

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.

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

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: YUU380) when you spend S$800 within 60 days of card approval

Valid till: October 31, 2025

maybank xl cardface

Maybank XL

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

Valid till: May 1, 2025

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$450 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: October 31, 2025

Standard Chartered Smart Card

  • Receive Apple Airpods 4 (with Active Noise Cancellation) (worth S$249) or S$250 Grab Voucher or S$230 Cash via PayNow when you spend S$800 within 30 days of card approval
  • Valid from 01 October to 31 October 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!

Standard Chartered Smart Card

  • Earn 10% cashback or 9.28 miles per dollar for spends above S$1,500 for bonus categories
  • Earn 8% cashback or 7.42 miles per dollar on spends of at least S$800 to S$1,500 for bonus categories
  • Earn 4% cashback or 3.71 miles per dollar on spends below S$800 for bonus categories (until 31 March 2025)
  • 0.5% cashback in the form of reward points for all base spends
  • This has no bonus cap
  • Best for dining, streaming, and transport categories
 
Annual Fee
  • Used to be waived for life, but beginning 6 December 2025, an annual fee of S$99.19 will be applied to all StanChart Smart Cardholders as of 6 December 2024.
 
Income Requirement
  • S$30,000 (locals/PRs); S$60,000 (foreigners)
 
Points Expiry
  • The points expire 3 years from your card opening date, which is very strange. Your points earned the day before your 3rd year card anniversary date could just expire the next day. You could set a redemption reminder date 3 years from your card opening date. Alternatively, you could keep the points in your account low by doing regular redemption. This way, even if you forget, all is not lost.

 

Know what this card is best for:

 

Terms and Conditions

Full Review

HSBC Revolution Card

  • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Bose QuietComfort Wireless Noise Cancelling Headphones (worth S$499) or Dyson Supersonic Hair Dryer (worth S$559) or S$475 Grab Vouchers 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 10 October to 31 October 2025
  • 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 31 December 2025
  • 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

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 Dyson Airwrap Origin (worth S$549) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Apple Watch SE Gen 3 40mm (GPS + Cell) (worth S$419) or S$450 Grab Voucher or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
  • Valid until 31 October 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

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)

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 Krisflyer Card

NIL

UOB Krisflyer Card

  • Earn uncapped 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 
  • Earn 2.4 miles per dollar on eligible everyday spends with a minimum spend of S$1,000 on SIA-related spends in a card membership year
  • 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

UOB Evol Card

Flash Deal:

  • Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) when your are among the first 3 successful new-to-bank cardholders at 12PM every day and spend S$500 within 30 days of card approval
  • Remaining applicants will receive the existing rewards
  • Valid until 14 October 2025

 

Existing Rewards:

  • Get S$60 Cash via PayNow when you spend S$500 in the first 30 days from card approval date
  • Valid until 14 October 2025
  • Valid for New-to-Bank Cardholders
  • Read Terms and Conditions here

UOB Evol Card

  • Earn 10% cashback on all online and mobile contactless spend (Apple Pay, Samsung Pay, Fitbit Pay)
  • Earn 10% cashback on Selected Gym, Telco, and Streaming Services (NEW!)
  • Earn 1% cashback on ALL Overseas Foreign Currency Spends (until 31 December 2025)
  • 0.3% cashback for all other spends
  • Minimum spend of S$800 each statement month
  • S$100 total cashback cap (until 31 December 2025) per statement month, capped at:
    • S$30 – online & mobile contactless
    • S$20 – selected gym, telco, and streaming services
    • S$20 – all overseas foreign currency spend
    • S$30 – other spends
  • Max possible cashback of 6.4% earned (not 10%)
Annual Fee
  • S$196.20 (incl. GST), waived with 3 monthly transactions for 12 consecutive months
Income Requirement
  • S$30,000 (locals/PRs); S$40,000 (Foreigners
Know what this card is best for:

Terms and Conditions

Read Full Review

DBS Live Fresh Card

  • Get S$300 cashback when you use the promo code: LFC300, and spend S$800 and have a valid DBS PayLah! account within 60 days from card approval date
  • Valid until 31 October 2025
  • Read Terms and Conditions here

DBS Live Fresh Card

  • Earn 6% cashback on shopping and transport when you spend S$800 per calendar month
 
Annual Fee
  • S$196.20 (including GST), waived for the first year
 
Income Requirement
  • S$30,000 (locals/PRs); S$45,000 (foreigners)
 
When is Cashback Credited
  • Cashback will be awarded to the account (that is of good standing) by the end of the following calendar month.
  • Cashback awarded will be reflected in the monthly Card Account statement. Cashback will automatically be applied to pay part of the billed amount for that statement month.

Terms and Conditions

Read Full Review

AMEX True Cashback Card

      • Get S$160 eCapitaVoucher when you spend S$500 within 30 days from card approval
      • Valid from 29 December 2025
      • Promotion is valid for new to bank credit card holders
      • Read Terms and Conditions here

      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

      UOB Absolute AMEX Card

      Flash Deal:

      • Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) when your are among the first 3 successful new-to-bank cardholders at 12PM every day and spend S$500 within 30 days of card approval
      • Remaining applicants will receive the existing rewards
      • Valid until 14 October 2025

       

      Existing Rewards:

      • Get S$60 Cash via PayNow when you spend S$500 in the first 30 days from card approval date
      • Valid until 14 October 2025
      • Valid for New-to-Bank Cardholders
      • Read Terms and Conditions here

      UOB Absolute AMEX Card

      • Earn 1.7% cashback with no minimum spend requirement, no cashback cap, and no spend exclusions
      • You can get 0.3% cashback on Grab Top-Up, this is the only card that still give rewards for GarbPay
      Annual Fee
      • S$196.20 (incl. GST), waived for first year
       
      Income Requirements
      • S$30,000 (locals/PRs); S$40,000 (foreigners)
       
      When is Cashback Credited
      • Cashback earned in current statement period is automatically used to offset the following month’s bill
       
      Know what this card is best for
       

      Terms and Conditions

      Read Full Review

      amex krisflyer ascend cardface

      AMEX Krisflyer Ascend Card

      • Get up to 20,000 KrisFlyer Miles when you spend a minimum of S$1,000 within the first 2 months of card approval
        • 13,800 bonus miles
        • 5,000 miles (first-time Singapore Airlines Credit Card applicants only)
        • 1,200 miles from spend
      • Only for new-to-bank card holders
      • Valid until 30 September 2025
      • Read Terms and Conditions here

      amex krisflyer ascend cardface

      AMEX Krisflyer Ascend Card

      • 1.2 miles per dollar on local and overseas spend
      • 2 miles per dollar on Singapore Airlines, Scoot, and KrisShop spend
      • 2 miles per dollar on Grab transactions, capped at S$200 per calendar month
      • No conversion fees
      • Get Accelerated to KrisFlyer Elite Gold Status
      • One Complimentary Night’s Stay at Hilton Hotel
      • Complimentary Travel Insurance
       
      Annual Fee
      • S$397.85
       
      Income Requirement
      • Not specified
       

      Terms and Conditions

      DBS Altitude Card

      • Get 38,000 miles when you use the promo code: ALTP38, pay the annual fee, have a valid DBS PayLah! account, and spend S$800 within 60 days from card approval date. 
      • Get 28,000 miles when you use the promo code: ALTPW28, choose not to pay the annual fee, but must have a valid DBS PayLah! account and spend S$800 within 60 days from card approval
      • Valid until 30 November 2025
      • 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

       

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      Terms and Conditions

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