![7 Best Credit Card Deals in Singapore [2022]](https://bestinsingapore.com/wp-content/uploads/2020/06/stephen-phillips-hostreviews-co-uk-em37kS8WJJQ-unsplash-scaled.jpg)
Prefer using a credit card over cash during payments? With so many credit cards with different perks and benefits, it can be hard to choose one. Especially with all the long and boring Terms & Conditions got you running in fear. Don’t worry, here we have the best credit card deals in Singapore that will well-matches your lifestyle.
1. Citibank Cash Back Card
| Notable for | Highest all-rounded cashback card |
| Payment Network | MasterCard |
| Annual Fee | S$192.60 (inclusive of GST) |
| Eligibility | For applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR) For applicants, at least 21 years old with a minimum income of S$42,000 (Non-Singaporean) |
Key Features
- 8% cash back on Dining, Groceries & Petrol
- Cash back is capped at S$25/month per category with min. spend of S$888/month
- Up to 20.88% savings at Esso and Shell, and 8% cash back at other petrol stations
- For retail spend less than S$888, 0.25% cash back is awarded for all categories of spend, no cap on cash back earned
The Citi Cash Back Card has one of the highest cashback at 8%. Though there is a rebate cap of $25 per category, it covers typical spending categories in Singapore. So it’s a good choice if you are looking for an all-in-one card that can apply to most of your spending. Overall, hands down one of the best credit card deals in Singapore.
2. Citibank SMRT Card
| Notable for | Best cashback card with no minimum spend |
| Payment Network | Visa |
| Annual Fee | S$192.60 (inclusive of GST) |
| Eligibility | For applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR) For applicants, at least 21 years old with a minimum income of S$42,000 (Non-Singaporean) |
Key Features
- Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
- Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
- 2 years fee waiver for Principal and two (2) Supplementary cards
- Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
- Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
- Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers
Its name might make it sound like a glorified EZ-Link card, but it’s actually one of the better cashback credit cards available right now. In fact, its benefits go beyond just MRT-related rebates. It’s one of the best cashback credit cards in Singapore with no minimum spend.
This is a card for basic Singaporeans who are not interested in cultivating a lavish lifestyle to impress their peers, for young and budget-conscious families. It also works as an all-purpose cashback credit card.
The wide range of everyday merchants makes it possibly one of the most practical cash back credit cards out there for cost-conscious Singaporeans looking to cut their expenses further, no matter the age.
3. UOB KrisFlyer Credit Card
| Notable for | Earn KrisFlyer miles with day-to-day spending |
| Payment Network | MasterCard |
| Annual Fee | S$193.00 (inclusive of GST) |
| Eligibility | For applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR) For applicants, at least 21 years old with a minimum income of S$40,000 (Non-Singaporean) |
Key Features
- 3 KrisFlyer Miles earned for every $1 spend on everyday spend categories with S$500 min. annual spend on Singapore Airlines Group
- $1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases
- $1 = 1.8 KrisFlyer Miles on Dining, Online Shopping and Travel, and Transport Card Transactions with a min-sum of S$500 charged on Singapore Airlines Related Card Transactions in a year
The UOB KrisFlyer Credit Card enables you to earn KrisFlyer miles directly, with bonus miles for day-to-day spending like dining and online shopping. To get the bonus miles, spend at least $500 a year on Singapore Airlines or other relevant companies.
The card works similarly to an Amex card. Simply link to your KrisFlyer account and the miles you earned will be credited at the end of each calendar month.
This is a great option for those who like this hassle-free method of earning miles but find American Express cards too restrictive. The UOB KrisFlyer credit card is a Mastercard, which is more widely accepted in the market. All in all, definitely one of the best credit card deals in Singapore to check out.
4. OCBC Titanium Card
| Notable for | Earn miles with new home purchases |
| Payment Network | MasterCard |
| Annual Fee | S$192.60 (inclusive of GST) |
| Eligibility | For applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR) For applicants, at least 21 years old with a minimum income of S$45,000 (Non-Singaporean) |
Key Features
- 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas
- Cathay Cineplexes offers: S$8.50/ S$11 on movie tickets
- Up to 16% discount at Caltex and Esso stations
- Complimentary JetQuay Quayside single trip service and discounted trip service
- Enjoy exclusive access at USD 27 per visit per person to more than 800 lounges regardless of the airline
- First 2 years fee waiver for principle & supplementary cardmembers
The OCBC Titanium Rewards Card has a very sleek look and offers 10X rewards on specific merchant categories (both online and offline) such as fashion, electronics, department stores, and kidswear. What’s good is that you can get the same 10X rewards on major online retailers such as Amazon, Lazada, Taobao and AliExpress.
Users may proceed to use this card to pay for renovation/redecorating expenses online. There is no monthly cap, only an annual cap of $12,000.
5. Maybank Family & Friends Card
| Notable for | Family-oriented cash rebates in both Singapore and Malaysia |
| Payment Network | MasterCard |
| Annual Fee | S$180.00 (inclusive of GST) |
| Eligibility | For applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR) For applicants, at least 21 years old with a minimum income of S$60,000 (Non-Singaporean) |
Key Features
- Up to 8% cash rebate on all restaurant spends in Singapore and Malaysia
- Up to 8% cash rebate on and data communication & online TV streaming
- 8% or 5% cash rebate with lowered minimum spend of S$800/S$500 per month respectively. Cash rebate cap at S$80 per month
- 0.3% cash rebate on all other spendings with no cap on cash rebates
- 3 years annual fee waived; spend min. S$12,000 per year to get a subsequent waiver
- Up to 8% cash rebate on petrol and groceries including online grocery stores spend in Singapore and Malaysia
- Up to 8% cash rebate on selected shopping stores, contactless bus and train rides, taxis and all passenger transportation services such as Grab and GOJEK
The other majorly money-burning life stage for most citizens is “starting a family”; which is an euphemism for “henceforth sacrificing 100% of your time, money, and personal needs to your spouse and children”
To stay sane and save a little bit here and there, it’s a good idea to get a cashback card that helps you save on essentials like groceries, toiletries, petrol and assessment books.
Of the many cashback cards available in Singapore, the Maybank Family & Friends card is the one that ticks all the boxes for young parents.
It gives you either a 5% (minimum spend $500) or 8% (minimum spend $800) rebate on groceries, basic toiletries, food delivery, enrichment and transportation. Overall, definitely worth checking out as it is indeed one of the best credit card deals available in June in Singapore.
6. HSBC Advance Credit Card
| Notable for | Hassle-free backup cashback card |
| Payment Network | Visa |
| Annual Fee | S$193.00 (inclusive of GST) |
| Eligibility | For applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR) For applicants, at least 21 years old with a minimum income of S$40,000 (Non-Singaporean) |
Key Features
- Up to 3.5% Cash Back on all purchases
- No minimum spend required
- Up to 75% off hotel bookings on Agoda and 10% off hotel books on Expedia
- 1 year card annual fee waiver / Perpetual card annual fee waiver for HSBC Advance banking customers
The benefits of the HSBC Advance Credit Card, which is also open to non-HSBC Advance customers, pale in comparison to other credit cards.
There is no minimum spend cashback card that you can use for those random expenses that don’t fall under any category, especially one-off expenses like annual insurance premiums and minor emergencies.
Non-HSBC Advance customers get 1.5% cashback on all purchases (there are the usual exclusions, e.g. tax payments, brokerages). If you spend at least $2,000 that month, the cashback is bumped up to 2.5%. (HSBC Advance customers get higher cashback.)
7. DBS Live Fresh Card
| Notable for | Best cashback card for online shopping |
| Payment Network | Visa |
| Annual Fee | S$S$192.60 (inclusive of GST) |
| Eligibility | For applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR) For applicants, at least 21 years old with a minimum income of S$45,000 (Non-Singaporean) |
Key Features
- Earn 5% cashback on Online & Visa contactless spend with a minimum spend of S$600 per calendar month
- Earn 0.3% cashback on all other spend
- All-in-one card: Use the same card for your bus and train rides, and ATM withdrawals
- Enjoy 1-year annual fee waiver
The DBS Live Fresh Card is a basic cashback credit card, but it’s not one my parents will appreciate. There are absolutely no perks for necessities like grocery shopping, petrol or utilities. Instead, the card privileges are for fashion and dining, and the bonus rebates are for online shopping.
100% targeted at millennials, the DBS Live Fresh Card offers a decent 5% cash rebate for all online shopping, including transactions made via Visa PayWave (Apple Pay, Samsung Pay, Google Pay). Everything else earns 0.3% – almost negligible.
Total cashback is capped at $60, which is quite low. Adding to that, the cap is further split into 3 categories – $20 for online spend, $20 for Visa PayWave and $20 for all other spends.
In Conclusion
And with that, we end our list of the best Singapore credit card deals worth checking out! Whether you’re an impulsive or wise buyer, there’s a credit card perfect for you!
For more deals, you can check our list of staycation deals and glamping places for a short getaway. Besides, we also have you covered with 101 things to do in Singapore. You can use your cards wisely for these activities. Likewise, we also have a list of brunch deals and food deals ready for you to take on anytime.
To enjoy a fine dining experience with your card, you can read our list of Japanese omakase restaurants, buffet restaurants, and pork and beef ribs restaurants. Grab some wine from our list of wine bars to end off your night.
