Updated : 9 Sept 2026 1.6 % cashback  0.3 - 8 % cashback  1.6 % cashback  0.5 - 18 % cashback  1 - 15 % cashback  1 - 2 % cashback  0.25 - 6 % cashback  3.33 - 20 % cashback  0.2 - 8 % cashback  0.3 - 5 % cashback  0.3 - 10 % cashback  0.3 - 10 % cashback  1.5 % cashback  1.5 - 2.5 % cashback  1.5 - 3 % cashback  0.2 - 5 % cashback  0.22 - 21 % cashback  Show All Cards ( 19 ) Don’t miss out on these great deals: DBS Credit cards ✨ Top Up for a Glow Up with Dyson ✨ Only on SingSaver: Apply for select Citi Credit Cards and upgrade your reward to a premium Dyson hair or home product worth up to S$799—with a top-up starting from just S$100! Apply by Sep 30, 2026 to claim your reward Top-up only S$100 Top-up only S$150 Top-up only S$200 Top-up only S$740 Top-up only S$100 Top-up only S$150 Top-up only S$200 Top-up only S$740 Participating Products: How to Qualify? Apply for Citi Credit Cards through SingSaver by 30 September 2026 Submit the SingSaver Reward Redemption form Activate your card and spend a minimum of S$500 within 30 days of card approval date to be eligible for reward Promotion is valid for new Citi credit cardmembers only Fastest Reward Fulfilment : Receive your reward in as little as 4 weeks! Promotion does not stack with other welcome offers from Citibank unless otherwise specified Terms and Conditions apply Apply by Sep 30, 2026 to claim your reward Top-up only S$100 Top-up only S$150 Top-up only S$200 Top-up only S$740 Top-up only S$100 Top-up only S$150 Top-up only S$200 Top-up only S$740 Best for unlimited cashback on all spend with no restrictions OCBC INFINITY Cashback Credit Card Top-up only S$150 Top-up only S$200 Top-up only S$300 Top-up only S$570 Top-up only S$720 1.6% unlimited cashback on all eligible spending with no min. spend and no cap Cashback automatically credited to cardholder's OCBC INFINITY Account 1 year annual fee waiver Read our review of the OCBC INFINITY Cashback Card . No monthly spend required Annual fee waiver Best for going out - dining and entertainment HSBC Live+ Credit Card Top-up only S$50 Top-up only S$150 Top-up only S$150 Top-up only S$280 Top-up only S$540 Top-up only S$680 8% cashback* on dining, entertainment, and shopping spend (both local and overseas). 5% cashback* on fuel spending at Caltex and Shell stations in Singapore. 0.3% cashback* on all other qualifying spend. First year annual fee waived. Entertainment rebate  Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.  Cashback* capped at S$250 per calendar quarter.  Cash rebates* are credited quarterly instead of monthly.  *Min. spend and other terms & conditions apply .  High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.  Rebate cap applied Best for fuss-free cashback Citi Cash Back+ Card Top-up only S$100 Top-up only S$150 Top-up only S$200 Top-up only S$740 1.6% cashback on all eligible spending with no minimum spend and no cap. Cashback earned does not expire. Redeem cashback instantly via SMS. Terms and Conditions here. Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back+ Card will be updated to end on 31 March 2026 . For more information, please click here . With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card. Up to 17% discount at Caltex, Esso and Shell petrol stations. With Citi PayLite® Bundle Program, you can pay off your retail purchases in 3-month instalment payments at no processing fees. Terms and Conditions apply . No monthly spend required Annual Fee waiver High-value gift DBS yuu Visa Card Top-up only S$120 Top-up only S$120 Top-up only S$200 Top-up only S$300 Top-up only S$600 Up to 36X yuu Points (equivalent to 18% cashback) on yuu participating merchants. 1X yuu Point on all other spend. S$1 spend = 1 yuu Point. No limit. No cap.  Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.  Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month. Best for first-time credit card users Trust Freedom Card One credit card, multiple ways to earn. You choose: 3% stockback, Up to 15% bonus cashback, Up to 1.5% unlimited cashback. See Trust Freedom Card Key Facts Sheet for more details. From 13 Aug 2026, stand to win up to 8K USD stocks. T&Cs apply * Switch your rewards every quarter Enjoy 0% foreign transaction fees $0 commission fee for selling stocks Best for everyday spending DCS Ultimate Platinum Mastercard Get up to 2% cashback on all purchases with no minimum spend. Free Insurance Coverage of up to S$1,000,000. Online shopping rebate Travel insurance No monthly spend required  Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).  Rebate cap applied Best for frequent spending on common spend categories CIMB World Mastercard Unlimited 2% cashback on dining, movies & digital entertainment, taxi, ride-hailing, automobile, and luxury goods. Unlimited 1% on all other eligible spend with no minimum spend. Enjoy 50% off green fees at 25 golf courses. Access to over 1,000 LoungeKey airport lounges globally. Can be used for bus and train rides with SimplyGo. No annual fees for life + up to 4 supplementary cards with no annual fees. Annual Fee waiver  Only Singapore citizens and Permanent Residents may apply.  Minimum annual income requirement: S$30,000.  Minimum spend of S$1,000 required for 2% cashback earn rate.  Minimum spend of S$500 required for 1% cashback earn rate.  Monthly spend required Best for cashback on dining, groceries, and recurring bills OCBC 365 Credit Card Top-up only S$150 Top-up only S$200 Top-up only S$300 Top-up only S$570 Top-up only S$720 6% cashback on fuel spend at all other petrol stations. 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery). 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses. 3% cashback on groceries at supermarkets (both local and overseas) and online groceries. 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas). 3% cashback on recurring telco and electricity bills. S$160 monthly cashback cap (up from S$80). Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations. 2-year annual fee waiver. Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance. Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently Read our full review of the OCBC 365 Credit Card .  High min. spend of either S$800 or S$1,600 per calendar month  Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.  S$80 monthly cashback cap with minium spend of $800.  S$160 monthly cashback cap with mininum spend of $1,600.  Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.  Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.  Monthly spend required Best for daily spend Up to 20% cashback on daily spend at McDonald's, Grab, SimplyGo (bus/train rides) and Shopee. Up to 18% cashback on all grocery spend. Up to 4.33% on SP utilities bill. Up to 3.33% cashback on all retail spend. Petrol savings of up to 22.66% at Shell and SPC. Greater savings with up to 3.4% p.a. interest with UOB One Account+. Supermarket rebate Grab/taxi rebate  Spend at least $600 monthly based on your qualifying quarter to enjoy up to 10% cashback.  Awarding of cash rebate only comes every quarter.  Qualifying monthly spend for cash rebate has to be spread out across min. 10 different purchases.  Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.  Monthly spend required  Rebate cap applied Best for high cashback on essentials Citi Cash Back Card Top-up only S$100 Top-up only S$150 Top-up only S$200 Top-up only S$740 6% cashback on dining and grocery spending (local & overseas). 8% cashback on petrol and private commute (local & overseas). Up to 23.64% savings at Caltex, Esso and Shell, inclusive of 8% cashback for petrol spending. With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card. Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back Card will be updated to end on 31 March 2026 . For more information, please click here . 0.20% cashback for all other spending, even if you do not meet the min. monthly spend. Supermarket rebate High-value gift  Min. monthly spend of S$800 required to earn bonus cashback.  S$80 combined cashback cap across all categories.  Rebate cap applied Best for groceries, transport, daily savings Top-up only S$100 Top-up only S$150 Top-up only S$200 Top-up only S$300 Top-up only S$550 Top-up only S$700 5% savings on online purchases. 5% savings at all supermarkets & grocery stores. 5% savings on taxi & public transport rides. Public transportation Grab/taxi rebate Online shopping rebate  Minimum monthly spend of S$500 required to get higher cashback rates.  Monthly spend required Best for staying in - Groceries, food delivery and online shopping POSB Everyday Card Top-up only S$120 Top-up only S$120 Top-up only S$200 Top-up only S$300 Top-up only S$600 Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo. Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR). Up to 10% cash rebates on SimplyGo. Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop. Up to 5% cash rebates at Popular bookstores (in-person and online) 5% cash rebates at Sheng Siong supermarkets. 6% cash rebates at SPC. 3% cash rebates at Pet Lovers Centre. 0.3% cash rebates on all other eligible spend. Cash rebates (in Daily$) never expire. Read our full review of the POSB Everyday Card. Online shopping rebate  Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.  S$20 monthly cash rebate cap for dining, Sheng Shiong, Popular, online shopping, SimplyGo, and MYR categories respectively.  Rebate cap applied  Monthly spend required Best for digital purchases Enjoy no FX fees on overseas foreign currency spend worldwide with no min. spend, no cap. Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend 10% on Selected Gym, Telco and Streaming Spend Get up to 1% cashback on all Overseas FX Spend (no min. spend and no cap) till 31 Dec 2026. All other spends earn 0.3% cashback. Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants. No annual fees on your card, effective 1 July 2026. Get greater savings with up to 3.4% p.a. interest with UOB One Account+. Online shopping rebate Mobile contactless rebate Overseas in-store FX spend rebate  Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.  S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend.  Monthly spend required Best for unlimited cashback Standard Chartered Simply Cash Credit Card Top-up only S$100 Top-up only S$100 Top-up only S$200 Top-up only S$300 Top-up only S$620 Top-up only S$780 1.5% unlimited cashback rate with no min. spend. Enjoy offers and privileges for online, dining, retail and more with The Good Life® . SC Shop and Earn - Enjoy up to 23% Cashback when you shop at your favourite brands – Decathlon, Nike, Zalora and many more. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping. First year annual fee waiver. 1.5% unlimited cashback No monthly spend required First year annual Fee waiver  Cannot be used for EZ-Reload. Best for security-focused shoppers DCS Ultimate Platinum UnionPay Card Get up to 2% cashback on all purchases with no minimum spend. Free Insurance Coverage of up to S$1,000,000. 3% Transaction fee waiver in Mainland China Online shopping rebate Travel insurance No monthly spend required  Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).  Rebate cap applied Best for all-around cashback HSBC Advance Credit Card Top-up only S$50 Top-up only S$150 Top-up only S$150 Top-up only S$280 Top-up only S$540 Top-up only S$680 Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS . T&Cs apply. Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month. Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide. Read our full review of the HSBC Advance Credit Card. No monthly spend required Travel insurance Annual Fee waiver  Cashback is capped at S$70 per calendar month.  High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.  Rebate cap applied Best for unlimited cashback on all spends American Express True Cashback Card 3% Cashback on all eligible purchases, up to S$5,000 spend in the first 6 months for new Card Members. 1.5% Cashback on all subsequent eligible purchases with no minimum spending. Cashback credited on the same statement month. Please refer to the American Express website ( go.amex/singsaver ) for the most up to date information on card benefits and its terms & conditions. No monthly spend required First Year Fee Waiver Best for young adults Maybank XL Cashback Card Get an increased S$100 Cashback Cap 5% cashback* whenever you spend in the Dine, Shop, Travel and Play categories, as well as in Foreign currencies. Up to S$80 bonus cashback monthly (Other transactions will earn unlimited cashback at 0.2% cashback.) Credit Cards with one of the widest number of spending categories in the market: Dine: Restaurants, fast food, bakeries, food delivery, etc. Shop: Apparel, departmental stores, sports apparel, online shopping, etc. Travel: Airlines, online travel agencies, hotel booking, etc. Play: Bars, KTV, cinemas, online streaming, video game arcade, etc. +all foreign currency spend (overseas & online) Dine: Restaurants, fast food, bakeries, food delivery, etc. Shop: Apparel, departmental stores, sports apparel, online shopping, etc. Travel: Airlines, online travel agencies, hotel booking, etc. Play: Bars, KTV, cinemas, online streaming, video game arcade, etc. +all foreign currency spend (overseas & online) Annual Fee waiver No monthly spend required Overseas rebate  Extremely limited age range (21 to 39 years old only).  5% bonus cashback rate requires S$500 min. spend per calendar month. Best for NTUC members Trust Link / NTUC Link Credit Card Enjoy up to 21% savings on groceries and food at FairPrice Group when you spend on credit card. Enjoy up to 20% savings on fuel purchase at Caltex when you spend on credit card. Enjoy 0% foreign transaction fees No annual fees. No card replacement fee.  Cashback provided in Linkpoints. Best for popular 8-10% bonus categories: Maybank Family & Friends Card Maybank Family & Friends Card Earn up to 8% cashback for 5 Preferred Categories across 10 options. Get up to 8% cashback on Malaysian Ringgit (MYR) and Indonesian Rupiah (IDR) spend. Earn up to S$180 cashback every month. Preferred Categories can be changed trimonthly or every 3 months. 3-year annual fee waiver. No annual fee for supplementary card. Local spending rebate Annual Fee waiver  Monthly cashback at 0.22% for spends below S$800.  Rebate cap applied  Monthly spend required Citi Cash Back+ Card Rewards breakdown 1.6% cashback on eligible spend all year round. 1.6% cashback on eligible spend all year round. Enjoy uncapped cashback with no minimum spend. Enjoy uncapped cashback with no minimum spend. Redeem cashback instantly via SMS. Redeem cashback instantly via SMS. Earn 0.4% bonus cashback if you are a Citi Plus customer with a Citi Interest Booster Account. Earn 0.4% bonus cashback if you are a Citi Plus customer with a Citi Interest Booster Account. Travel insurance included. Travel insurance included. Repayment Details Minimum Payment: 1 % Minimum Payment: 1 % Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 27.9 % Interest on Purchase: 27.9 % Interest on Cash Advance: 27.9 % Interest on Cash Advance: 27.9 % Interest Free Period: 25 days Interest Free Period: 25 days Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 3.25 % Foreign Currency Transaction Fee: 3.25 % Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: None Monthly Spend Required: None Min. Annual Income: S$30,000 Min. Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take For those who prefer straightforward rewards, the Citi Cash Back+ Card delivers an effortless, unlimited cashback experience. Enjoy a flat 1.6% cashback on every spend, with no minimum requirement and no earning cap, making it ideal for high-volume transactions. Straightforward uncapped cashback structure with no spend categories to track. Straightforward uncapped cashback structure with no spend categories to track. Instant redemption makes it easy to use cashback anytime. Instant redemption makes it easy to use cashback anytime. The 1.6% cashback rate is lower compared to other cards offering higher base or bonus rates. The 1.6% cashback rate is lower compared to other cards offering higher base or bonus rates. An annual fee applies after the first year, unless waived. An annual fee applies after the first year, unless waived. Read Full Review HSBC Live+ Credit Card Rewards breakdown 8% cashback on dining, shopping, and entertainment. 8% cashback on dining, shopping, and entertainment. 5% cashback on petrol. 5% cashback on petrol. 0.3% cashback on all other eligible purchases. 0.3% cashback on all other eligible purchases. 15% discount at over 200 restaurants across Asia (Live+ Dining Programme). 15% discount at over 200 restaurants across Asia (Live+ Dining Programme). Discounts on movie tickets at Golden Village. Discounts on movie tickets at Golden Village. Savings on streaming subscriptions (Disney+, Netflix, Spotify). Savings on streaming subscriptions (Disney+, Netflix, Spotify). Up to 17% fuel savings and 5% cashback at Caltex and Shell. Up to 17% fuel savings and 5% cashback at Caltex and Shell. ENTERTAINER with HSBC 1-for-1 dining offers. ENTERTAINER with HSBC 1-for-1 dining offers. Complimentary online purchase protection. Complimentary online purchase protection. Visa Signature privileges. Visa Signature privileges. Repayment Details Minimum Payment: S$50 or 3% of the Total Balance Minimum Payment: S$50 or 3% of the Total Balance Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Cash Advance: 28.92 % Interest on Cash Advance: 28.92 % Interest Free Period: 23 days Interest Free Period: 23 days Interest on Purchase: 27.78 % Interest on Purchase: 27.78 % Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 2.25 % Foreign Currency Transaction Fee: 2.25 % Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: S$800 Monthly Spend Required: S$800 Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The HSBC Live+ Credit Card is tailored for lifestyle-focused individuals, offering generous cashback on dining, shopping, and entertainment. Its strong focus on these categories, along with fuel savings and dining discounts, makes it attractive for those who enjoy experiences. The card's perks are well-suited for urban living. Excellent cashback rates for dining, entertainment, and shopping. Excellent cashback rates for dining, entertainment, and shopping. Added perks and savings for fuel and selected lifestyle experiences. Added perks and savings for fuel and selected lifestyle experiences. Cashback outside the bonus categories is limited, with a low 0.3% base rate on other purchases. Cashback outside the bonus categories is limited, with a low 0.3% base rate on other purchases. Read Full Review OCBC 365 Credit Card Rewards breakdown 6% cashback on petrol. 6% cashback on petrol. 5% cashback on dining and food delivery. 5% cashback on dining and food delivery. 3% cashback on groceries, land transport, Watsons, streaming, EV charging, and utilities. 3% cashback on groceries, land transport, Watsons, streaming, EV charging, and utilities. Cashback capped at S$160 per month. Cashback capped at S$160 per month. 0.25% cashback if monthly spend is below S$800. 0.25% cashback if monthly spend is below S$800. Fuel discounts at Caltex, Esso, and Sinopec. Fuel discounts at Caltex, Esso, and Sinopec. Repayment Details Minimum Payment: S$50 or 3% of the Total Balance Minimum Payment: S$50 or 3% of the Total Balance Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Cash Advance: 28.92 % Interest on Cash Advance: 28.92 % Interest Free Period: 23 days Interest Free Period: 23 days Interest on Purchase: 27.78 % Interest on Purchase: 27.78 % Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 2.25 % Foreign Currency Transaction Fee: 2.25 % Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: S$800 Monthly Spend Required: S$800 Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The OCBC 365 Credit Card is designed for everyday spending, offering strong cashback rates on essential categories like petrol, dining, and groceries. Its high cashback cap and wide range of eligible categories make it a valuable card for managing daily expenses. However, the minimum spend requirement for enhanced cashback should be considered. High cashback rates on essential spending categories. High cashback rates on essential spending categories. Generous cashback cap, allowing more rewards each month. Generous cashback cap, allowing more rewards each month. Additional fuel discounts, making it beneficial for drivers. Additional fuel discounts, making it beneficial for drivers. Requires a minimum monthly spend of S$800 to unlock the enhanced cashback rates. Requires a minimum monthly spend of S$800 to unlock the enhanced cashback rates. Read Full Review HSBC Advance Credit Card Rewards breakdown Up to 2.5% cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month. Earn 1.5% cashback on all purchases with no minimum spend. Earn 1.5% cashback on all purchases with no minimum spend. Increase cashback to 2.5% on all local and overseas purchases when spending exceeds S$2,000. Increase cashback to 2.5% on all local and overseas purchases when spending exceeds S$2,000. Gain complimentary access to the ENTERTAINER with HSBC app, featuring over 1,000 1-for-1 deals on dining, lifestyle, and travel worldwide. Gain complimentary access to the ENTERTAINER with HSBC app, featuring over 1,000 1-for-1 deals on dining, lifestyle, and travel worldwide. Cashback is capped at S$70 per calendar month. Cashback is capped at S$70 per calendar month. Travel insurance included. Travel insurance included. First-year annual fee waiver. First-year annual fee waiver. Repayment Details Minimum Payment: 3 % Minimum Payment: 3 % Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 26.9 % Interest on Purchase: 26.9 % Interest on Cash Advance: 28 % Interest on Cash Advance: 28 % Interest Free Period: 20 days Interest Free Period: 20 days Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 3.25 % Foreign Currency Transaction Fee: 3.25 % Air Miles Conversion Fee: S$40 Air Miles Conversion Fee: S$40 Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: S$2,000 Monthly Spend Required: S$2,000 Minimum Annual Income: S$65,000 Minimum Annual Income: S$65,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take Designed for those with a discerning lifestyle, the HSBC Advance Credit Card offers a streamlined approach to maximising rewards. By enrolling in the HSBC Everyday+ Rewards Programme, cardholders can earn up to 3.5% cashback. Even without the program, a generous 2.5% cashback is awarded for monthly spending exceeding S$2,000, significantly above the standard 1.5% on all local and international transactions. Additionally, enjoy complimentary access to the ENTERTAINER app for a wealth of 1-for-1 deals, and a waived annual fee in the first year. Tiered cashback system rewards higher monthly spending with better rates. Tiered cashback system rewards higher monthly spending with better rates. Complimentary ENTERTAINER access with dining, travel and lifestyle offers. Complimentary ENTERTAINER access with dining, travel and lifestyle offers. Lower base cashback rate applies with no minimum spend, making it easy to earn rewards even in low-spend months. Lower base cashback rate applies with no minimum spend, making it easy to earn rewards even in low-spend months. Cashback is capped at S$70 per calendar month, which may limit returns for high spenders. Cashback is capped at S$70 per calendar month, which may limit returns for high spenders. Annual fee applies after the first year, unless waived. Annual fee applies after the first year, unless waived. Read Full Review American Express True Cashback Card Rewards breakdown 3% cashback up to spending of S$5,000 for the first 6 months. 3% cashback up to spending of S$5,000 for the first 6 months. 1.5% unlimited cashback on all subsequent purchases with no minimum spend. 1.5% unlimited cashback on all subsequent purchases with no minimum spend. Enjoy unlimited and immediate cashback, with no minimum spend and no cap. Enjoy unlimited and immediate cashback, with no minimum spend and no cap. Receive cashback credited in the same statement month. Receive cashback credited in the same statement month. Complimentary travel insurance. Complimentary travel insurance. First-year annual fee waiver. First-year annual fee waiver. Repayment Details Minimum Payment: S$50 Minimum Payment: S$50 Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 27.80 % Interest on Purchase: 27.80 % Interest on Cash Advance: 26.9 % Interest on Cash Advance: 26.9 % Interest Free Period: 22 days Interest Free Period: 22 days Annual Fee: S$174.40 Annual Fee: S$174.40 Foreign Currency Transaction Fee: 3.25 % Foreign Currency Transaction Fee: 3.25 % Monthly Spend Required: None Monthly Spend Required: None Minimum Annual Income: Conditional Minimum Annual Income: Conditional Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take Perfect for substantial expenditures, the American Express True Cashback Card, operating as a charge card, provides a substantial 3% cashback on all qualifying purchases, capped at S$5,000 within the initial six months. Offers a strong introductory cashback rate for the first six months. Offers a strong introductory cashback rate for the first six months. Easy, uncapped cashback system with no complicated categories. Easy, uncapped cashback system with no complicated categories. Cashback is automatically credited to your statement each month. Cashback is automatically credited to your statement each month. The 3% promotional cashback applies only for the first six months and is capped at S$5,000 spend. The 3% promotional cashback applies only for the first six months and is capped at S$5,000 spend. An annual fee applies after the first year, unless waived. An annual fee applies after the first year, unless waived. Read Full Review Rewards breakdown 10% cashback on daily essentials. 10% cashback on daily essentials. 4.33% cashback on Singapore Power utilities bill.

4.33% cashback on Singapore Power utilities bill. 3.33% cashback on all retail spend. 3.33% cashback on all retail spend. Petrol savings of up to 24% at Shell and SPC. Petrol savings of up to 24% at Shell and SPC. Greater savings with up to 6.0% p.a. interest with UOB One Account+. Greater savings with up to 6.0% p.a. interest with UOB One Account+. Min. spend of S$600 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earn additional cashback. Min. spend of S$600 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earn additional cashback. Awarding of cash rebates only comes every quarter. Awarding of cash rebates only comes every quarter. Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases. Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases. First-year annual fee waiver. First-year annual fee waiver. Repayment Details Minimum Payment: 3% of outstanding balance or S$50 (whichever is higher) Minimum Payment: 3% of outstanding balance or S$50 (whichever is higher) Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 27.8% Interest on Purchase: 27.8% Interest on Cash Advance: 28% Interest on Cash Advance: 28% Interest Free Period: 21 days Interest Free Period: 21 days Annual Fee: S$ 196.20 Annual Fee: S$ 196.20 Foreign Currency Transaction Fee: 3.25% Foreign Currency Transaction Fee: 3.25% Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: S$ 600 Monthly Spend Required: S$ 600 Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take Offering a potentially market-leading 10% cashback on everyday purchases, the UOB One Card presents a compelling opportunity for significant savings. Its tiered cashback structure rewards you generously for spending at popular outlets like Grab, DFI Retail Group, and McDonald's, alongside a solid 3.33% on other qualifying transactions. Generous cashback rates across a wide range of everyday spending categories. Generous cashback rates across a wide range of everyday spending categories. Additional petrol savings at Shell and SPC. Additional petrol savings at Shell and SPC. When paired with the UOB One Account, you can earn additional interest on your savings. When paired with the UOB One Account, you can earn additional interest on your savings. To unlock the highest cashback tier, you must spend S$2,000 per month and make at least five transactions. To unlock the highest cashback tier, you must spend S$2,000 per month and make at least five transactions. A lower S$500 minimum spend tier exists, but it offers reduced cashback. A lower S$500 minimum spend tier exists, but it offers reduced cashback. Cashback is credited quarterly, which may feel less immediate for some users. Cashback is credited quarterly, which may feel less immediate for some users. Read Full Review Citi Cash Back Card Rewards breakdown 8% cashback on private commute and petrol spend worldwide. 8% cashback on private commute and petrol spend worldwide. 6% cashback on dining and groceries spend worldwide.' 6% cashback on dining and groceries spend worldwide.' Up to 23.64% fuel savings at Caltex, Esso, and Shell (inclusive of 8% cashback). Up to 23.64% fuel savings at Caltex, Esso, and Shell (inclusive of 8% cashback). Citi World Privileges: Deals and discounts locally. Citi World Privileges: Deals and discounts locally. Citi PayLite: Turn big purchases into small payments. Citi PayLite: Turn big purchases into small payments. Citi FlexiBill: Convert credit card statement balance into instalments. Citi FlexiBill: Convert credit card statement balance into instalments. Citi Quick Cash: Instant cash access. Citi Quick Cash: Instant cash access. Repayment Details Minimum Payment: 1 % Minimum Payment: 1 % Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 27.9 % Interest on Purchase: 27.9 % Interest on Cash Advance: 27.9 % Interest on Cash Advance: 27.9 % Interest Free Period: 25 days Interest Free Period: 25 days Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 3.25 % Foreign Currency Transaction Fee: 3.25 % Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: S$800 Monthly Spend Required: S$800 Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The Citi Cash Back Card is a strong contender for those seeking high cashback across a wide range of daily spending categories. Its generous rebates on petrol, private commutes, dining, and groceries, coupled with fuel savings and flexible payment options, make it a versatile choice. However, to maximise the cashback, a minimum monthly spend of S$800 is required. Strong cashback on everyday expenses across multiple categories. Strong cashback on everyday expenses across multiple categories. Notable fuel savings add extra value for drivers. Notable fuel savings add extra value for drivers. Offers flexible payment plans, making it useful for managing larger purchases. Offers flexible payment plans, making it useful for managing larger purchases. Delivers solid overall value for day-to-day spending. Delivers solid overall value for day-to-day spending. Requires a substantial monthly spend to unlock full benefits. Requires a substantial monthly spend to unlock full benefits. Overall cashback is capped, which may not suit high-volume spenders. Overall cashback is capped, which may not suit high-volume spenders. Read Full Review HSBC Revolution Credit Card Rewards breakdown 10X Rewards points (2.5% cashback or 4 miles equivalent) on online spending. 10X Rewards points (2.5% cashback or 4 miles equivalent) on online spending. 1X Rewards point on all other spending. 1X Rewards point on all other spending. No minimum spend required for 10X points. No minimum spend required for 10X points. Redeem rewards for gifts, lifestyle experiences, or statement credits. Redeem rewards for gifts, lifestyle experiences, or statement credits. Option to split purchases into monthly instalments. Option to split purchases into monthly instalments. Earn points on supplementary cards (up to 5, no fee). Earn points on supplementary cards (up to 5, no fee). Rewards on fitness and wellness online purchases. Rewards on fitness and wellness online purchases. Minimum Payment: 3 % Minimum Payment: 3 % Late Payment Charge: S$ 100 Late Payment Charge: S$ 100 Interest on Purchase: 26.9 % Interest on Purchase: 26.9 % Interest on Cash Advance: 28 % Interest on Cash Advance: 28 % Interest Free Period: 20 Days Interest Free Period: 20 Days Annual Fee: No Annual Fee Annual Fee: No Annual Fee Foreign Currency Transaction Fee: 3.25 % Foreign Currency Transaction Fee: 3.25 % Air Miles Conversion Fee: S$ 40 Air Miles Conversion Fee: S$ 40 Cash Advance Service Charge: S$ 15 Cash Advance Service Charge: S$ 15 Monthly Spend Required: No minimum spend Monthly Spend Required: No minimum spend Minimum Annual Income: S$ 65,000 Minimum Annual Income: S$ 65,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The HSBC Revolution Credit Card is an excellent choice for those who frequently shop online and seek flexibility. Its no-annual-fee structure and generous rewards on online spending, coupled with the absence of a minimum spend requirement, make it accessible to a wide range of users. The ability to redeem points for various rewards and split purchases into instalments adds to its appeal. No annual fee, making it cost-effective for long-term use. No annual fee, making it cost-effective for long-term use. High rewards on online spending, ideal for digital-first shoppers. High rewards on online spending, ideal for digital-first shoppers. No minimum spend requirement, great for budget-conscious users. No minimum spend requirement, great for budget-conscious users. Rewards on non-online spending are relatively low, reducing its value for in-store shoppers. Rewards on non-online spending are relatively low, reducing its value for in-store shoppers. Less appealing for those who prefer physical retail or non-digital transactions. Less appealing for those who prefer physical retail or non-digital transactions. Read Full Review CIMB Visa Signature Card Rewards breakdown 10% cashback on online shopping, groceries, beauty & wellness, pet shops, and cruises. 10% cashback on online shopping, groceries, beauty & wellness, pet shops, and cruises. 0.2% unlimited cashback on all other retail purchases. 0.2% unlimited cashback on all other retail purchases. Travel insurance coverage up to S$500,000. Travel insurance coverage up to S$500,000. Visa Signature exclusive deals and discounts. Visa Signature exclusive deals and discounts. Repayment Details Minimum Payment: 3 % Minimum Payment: 3 % Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 27.8 % Interest on Purchase: 27.8 % Interest on Cash Advance: 28 % Interest on Cash Advance: 28 % Interest Free Period: 23 days Interest Free Period: 23 days Annual Fee: No Annual Fee Annual Fee: No Annual Fee Foreign Currency Transaction Fee: 3 % Foreign Currency Transaction Fee: 3 % Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: S$800 Monthly Spend Required: S$800 Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The CIMB Visa Signature Card stands out for its generous 10% cashback across a diverse range of categories, making it ideal for those who frequently shop online and enjoy lifestyle spending. The card’s no-annual-fee structure and travel insurance coverage also add to its appeal. However, the requirement of a minimum monthly spend to unlock the higher cashback tier should be considered. High cashback rates on online shopping and lifestyle categories. High cashback rates on online shopping and lifestyle categories. No annual fee, offering long-term affordability. No annual fee, offering long-term affordability. Comes with travel insurance, adding extra value for frequent travellers. Comes with travel insurance, adding extra value for frequent travellers. Requires a minimum monthly spend of S$800 to earn the 10% cashback. Requires a minimum monthly spend of S$800 to earn the 10% cashback. Base cashback of 0.2% on other purchases is relatively low. Base cashback of 0.2% on other purchases is relatively low. Read Full Review Rewards breakdown 5% savings at supermarkets & grocery stores. 5% savings at supermarkets & grocery stores. 5% savings on online purchases. 5% savings on online purchases. 5% savings on taxi & public transport rides (including SimplyGo). 5% savings on taxi & public transport rides (including SimplyGo). Citi World Privileges: Deals and discounts. Citi World Privileges: Deals and discounts. Citi PayLite: Turn big purchases into small payments. Citi PayLite: Turn big purchases into small payments. Citi FlexiBill: Convert credit card statement balance into instalments. Citi FlexiBill: Convert credit card statement balance into instalments. Citi Quick Cash: Instant cash access. Citi Quick Cash: Instant cash access. SimplyGo integration for seamless public transport payments. SimplyGo integration for seamless public transport payments. Repayment Details Minimum Payment: S$50 or 1% of outstanding balance (whichever is higher) Minimum Payment: S$50 or 1% of outstanding balance (whichever is higher) Late Payment Charge: Conditional Late Payment Charge: Conditional Interest on Purchase: 28% Interest on Purchase: 28% Interest on Cash Advance: 28% Interest on Cash Advance: 28% Interest Free Period: Up to 25 days Interest Free Period: Up to 25 days Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 3.25% Foreign Currency Transaction Fee: 3.25% Cash Advance Service Charge: 6% of amount withdrawn or S$15 (whichever is higher) Cash Advance Service Charge: 6% of amount withdrawn or S$15 (whichever is higher) Monthly Spend Required: S$500 Monthly Spend Required: S$500 Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The Citi SMRT Card is tailored for commuters and everyday shoppers, offering consistent savings on essential categories like groceries, online purchases, and transport. Its integration with SimplyGo and flexible payment options make it a convenient choice for daily use, particularly for those who prioritise public transport and online shopping. Consistent savings on daily essentials and commuting. Consistent savings on daily essentials and commuting. Seamless SimplyGo integration for effortless public transport use. Seamless SimplyGo integration for effortless public transport use. Offers flexible payment options, useful for budgeting and larger purchases. Offers flexible payment options, useful for budgeting and larger purchases. Savings are limited to specific categories only. Savings are limited to specific categories only. No rewards offered outside these selected spending categories. No rewards offered outside these selected spending categories. Read Full Review DBS yuu Visa Card Rewards breakdown Up to 18% cashback or 10 miles per S$1 at participating yuu merchants (Cold Storage, Giant, foodpanda, Gojek, etc.) with S$600 monthly spend. Up to 18% cashback or 10 miles per S$1 at participating yuu merchants (Cold Storage, Giant, foodpanda, Gojek, etc.) with S$600 monthly spend. 5% cashback or 2.8 miles per S$1 with no minimum spend. 5% cashback or 2.8 miles per S$1 with no minimum spend. S$2 off eggs and rice monthly at Cold Storage and Giant. S$2 off eggs and rice monthly at Cold Storage and Giant. Flexibility to redeem rewards as cash rebates or miles via the yuu app. Flexibility to redeem rewards as cash rebates or miles via the yuu app. Rewards are available in a wide range of everyday spending categories. Rewards are available in a wide range of everyday spending categories. Repayment Details Minimum Payment: 3 % Minimum Payment: 3 % Late Payment Charge: $100 Late Payment Charge: $100 Interest on Purchase: 27.8 % Interest on Purchase: 27.8 % Interest on Cash Advance: 28.5 % Interest on Cash Advance: 28.5 % Interest Free Period: 25 days Interest Free Period: 25 days Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 3.25 % Foreign Currency Transaction Fee: 3.25 % Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: No Requirement Monthly Spend Required: No Requirement Min. Annual Income: S$30,000 Min. Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The DBS yuu Card offers a unique proposition with its dual rewards system, allowing users to choose between cashback and miles. Its high reward rates at partner merchants, particularly for those who meet the monthly spend requirement, make it attractive for everyday spending. The flexibility to switch between cash rebates and miles adds a layer of customisation. High reward rates at partner merchants, offering strong value for regular shoppers. High reward rates at partner merchants, offering strong value for regular shoppers. Flexible choice between earning cashback or miles, depending on your preference. Flexible choice between earning cashback or miles, depending on your preference. Rewards apply to a wide range of everyday spending categories, making it versatile. Rewards apply to a wide range of everyday spending categories, making it versatile. To unlock maximum rewards, you must meet a significant monthly spend requirement. To unlock maximum rewards, you must meet a significant monthly spend requirement. The base reward rate is relatively low if you don’t hit the required spend threshold. The base reward rate is relatively low if you don’t hit the required spend threshold. Read Full Review Maybank Family & Friends Card Rewards breakdown 8% cashback on five chosen categories from a list including dining, groceries, online shopping, transport, and more. 8% cashback on five chosen categories from a list including dining, groceries, online shopping, transport, and more. Customisable card design. Customisable card design. Diamond Sky Fuel Card savings at Caltex. Diamond Sky Fuel Card savings at Caltex. Dining and shopping deals. Dining and shopping deals. Regional TREATS privileges. Regional TREATS privileges. GRAB ride-hail and food delivery deals. GRAB ride-hail and food delivery deals. Maybank Family Plus savings account benefits. Maybank Family Plus savings account benefits. Repayment Details Minimum Payment: 3% Minimum Payment: 3% Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 26.9% Interest on Purchase: 26.9% Interest on Cash Advance: 26.9% Interest on Cash Advance: 26.9% Interest Free Period: 20 days Interest Free Period: 20 days Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 3.25% Foreign Currency Transaction Fee: 3.25% Cash Advance Service Charge: S$15 Cash Advance Service Charge: S$15 Monthly Spend Required: S$800 Monthly Spend Required: S$800 Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The Maybank Family & Friends Card offers a unique level of personalisation, allowing users to select their preferred cashback categories. Its high cashback rate and wide range of eligible categories make it a versatile choice for various lifestyles. The added perks, such as fuel savings and regional privileges, enhance its value. High cashback rate with customisable spending categories. High cashback rate with customisable spending categories. Added fuel savings for frequent drivers. Added fuel savings for frequent drivers. Includes regional privileges, useful for travellers or cross-border spending. Includes regional privileges, useful for travellers or cross-border spending. Caters well to diverse spending habits. Caters well to diverse spending habits. Requires a minimum monthly spend of S$800 to qualify for the highest cashback rates. Requires a minimum monthly spend of S$800 to qualify for the highest cashback rates. Read Full Review UOB Absolute Cashback Card Rewards breakdown 1.7% cashback on all purchases with no exclusions. 1.7% cashback on all purchases with no exclusions. 0.3% cashback on transactions typically excluded by other cards. 0.3% cashback on transactions typically excluded by other cards. No minimum spend required. No minimum spend required. Cashback on a wide range of purchases, including travel, luxury, insurance, and utilities. Cashback on a wide range of purchases, including travel, luxury, insurance, and utilities. Repayment Details Minimum Payment: 3% Minimum Payment: 3% Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 27.8% Interest on Purchase: 27.8% Interest on Cash Advance: 28.5% Interest on Cash Advance: 28.5% Interest Free Period: Up to 21 days Interest Free Period: Up to 21 days Annual Fee: S$ 196.20 Annual Fee: S$ 196.20 Foreign Currency Transaction Fee: 3.25% Foreign Currency Transaction Fee: 3.25% Cash Advance Service Charge: 6% of amount withdrawn or S$15 (whichever is higher) Cash Advance Service Charge: 6% of amount withdrawn or S$15 (whichever is higher) Monthly Spend Required: No minimum spend Monthly Spend Required: No minimum spend Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The UOB Absolute Cashback Card stands out for its simplicity and universality, offering a flat cashback rate on all purchases without any exclusions or minimum spend requirements. This makes it a straightforward choice for those seeking hassle-free cashback on everything from daily essentials to big-ticket items. High flat cashback rate on all purchases. High flat cashback rate on all purchases. No minimum spend required to earn rewards. No minimum spend required to earn rewards. No category exclusions, offering unmatched simplicity and versatility. No category exclusions, offering unmatched simplicity and versatility. Cashback on typically excluded transactions is only 0.3%, which is low compared to the standard 1.7% rate. Cashback on typically excluded transactions is only 0.3%, which is low compared to the standard 1.7% rate. POSB Everyday Card Rewards breakdown 10% cashback on online food delivery, 5% on online shopping (with S$800 min. spend). 10% cashback on online food delivery, 5% on online shopping (with S$800 min. spend). 5% cashback at Sheng Siong (no min. spend). 5% cashback at Sheng Siong (no min. spend). Up to 3% cashback on utilities (no min. spend). Up to 3% cashback on utilities (no min. spend). 6% cashback at SPC, 3% at Pet Lovers Centre. 6% cashback at SPC, 3% at Pet Lovers Centre. Family attraction discounts at Mandai Wildlife Reserve and Kiztopia. Family attraction discounts at Mandai Wildlife Reserve and Kiztopia. Daily$ rewards system (1 Daily$ = S$1 cashback). Daily$ rewards system (1 Daily$ = S$1 cashback). Cashback on dining, online shopping, telco, groceries, utilities, fuel, and pet supplies. Cashback on dining, online shopping, telco, groceries, utilities, fuel, and pet supplies. Repayment Details Minimum Payment: 3 % Minimum Payment: 3 % Late Payment Charge: S$100 Late Payment Charge: S$100 Interest on Purchase: 27.8 % Interest on Purchase: 27.8 % Interest on Cash Advance: 28.5 % Interest on Cash Advance: 28.5 % Interest Free Period: 25 days Interest Free Period: 25 days Annual Fee: S$196.20 Annual Fee: S$196.20 Foreign Currency Transaction Fee: 3.25 % Foreign Currency Transaction Fee: 3.25 % Cash Advance Service Charge: 8 % Cash Advance Service Charge: 8 % Monthly Spend Required: S$800 Monthly Spend Required: S$800 Minimum Annual Income: S$30,000 Minimum Annual Income: S$30,000 Minimum Age: 21 years old Minimum Age: 21 years old SingSaver’s take The POSB Everyday Card is designed for families and everyday spenders, offering a wide range of cashback categories, including groceries, dining, online shopping, and utilities. Its Daily$ rewards system and family-friendly perks make it a versatile choice for managing household expenses. Covers a wide range of cashback categories for everyday spending. Covers a wide range of cashback categories for everyday spending. Strong rewards on essential spending, ideal for households. Strong rewards on essential spending, ideal for households. Includes family-oriented perks, adding extra value for parents and caregivers. Includes family-oriented perks, adding extra value for parents and caregivers. Higher cashback rates require a minimum monthly spend of S$800. Higher cashback rates require a minimum monthly spend of S$800. Cashback caps may limit rewards for high spenders in certain categories. Cashback caps may limit rewards for high spenders in certain categories. Read Full Review Best cashback cards by spending category Category of Shopper Best Cashback Cards Citi Cash Back Card & OCBC 365 Credit Card Online Shopping DBS Live Fresh Card, UOB EVOL Card & OCBC Rewards Credit Card Citi Cash Back+ Card, CIMB World Mastercard & Standard Chartered Simply Cash Credit Card Citi Cash Back Card, OCBC 365 Credit Card & POSB Everyday Card OCBC 365 Credit Card & HSBC Advance Credit Card Public Transport DBS Live Fresh Card, Citi M1 Platinum Visa Card & POSB Everyday Card Citi Cash Back Card Our pick for: Frequent diners and food delivery users The Citi Cash Back Card offers one of the highest cashback rates on dining and food delivery, provided you meet the minimum spend. It is ideal for people who dine out regularly or rely on delivery platforms. Cashback caps apply, making it best suited for consistent monthly spending. OCBC 365 Credit Card Our pick for: Families balancing dining with other essentials OCBC 360 delivers steady cashback on dining across weekdays and weekends, including online food delivery. It also rewards groceries, utilities and fuel, making it a versatile choice for families seeking multi-category value. Online Shopping DBS Live Fresh Card Our pick for: Digital-first, eco-conscious spenders DBS Live Fresh offers strong cashback on online transactions and contactless payments. It covers e-commerce platforms, subscription services and mobile wallet purchases, making it a great option for digital-native shoppers. Our pick for: Online shoppers who maximise contactless and in-app payments The UOB EVOL Card rewards online and mobile contactless spending with elevated cashback once the minimum monthly spend is met. It suits individuals with a strong online shopping habit and a preference for tap-and-go payments. OCBC Rewards Credit Card Our pick for: Heavy online shoppers seeking accelerated rewards The OCBC Rewards Credit Card offers accelerated OCBC$ on selected online retail categories, allowing frequent online shoppers to accumulate rewards quickly. It is well-suited to those who spend predominantly on e-commerce platforms. Citi Cash Back+ Card Our pick for: Travellers who want simple, uncapped cashback Citi Cash Back+ offers uncapped cashback with no minimum spend, making it ideal for high-value travel purchases such as hotel bookings and flights. It is a fuss-free choice for those who prefer predictability and unlimited earning potential. CIMB World Mastercard Our pick for: Travellers who want flexible cashback on lifestyle and travel categories The CIMB World Mastercard provides cashback on travel, dining and overseas spending. It is suitable for travellers who value broad category coverage without paying an annual fee. Standard Chartered Simply Cash Credit Card Our pick for: Travellers looking for flat-rate cashback on all spending The Simply Cash Credit Card offers a flat cashback rate on most types of spending, including foreign currency transactions. It is ideal for frequent travellers who prefer simple, unrestricted earning. Citi Cash Back Card Our pick for: Heavy supermarket shoppers This card offers high cashback at major supermarkets when you meet the minimum spend. It is ideal for families with regular grocery runs and predictable monthly budgets. OCBC 365 Credit Card Our pick for: Households managing multiple essential expenses OCBC 365 gives consistent cashback on groceries, dining and transport. Its broad coverage makes it an excellent all-rounder for households with diverse spending habits. POSB Everyday Card Our pick for: Value seekers who shop at Sheng Siong and Watsons The POSB Everyday Card provides attractive cashback at Sheng Siong, Watsons and selected online platforms. It is ideal for budget-conscious families who want consistent savings on daily essentials. OCBC 365 Credit Card Our pick for: Drivers looking for strong petrol savings OCBC 365 combines elevated fuel cashback with station-specific discounts, making it one of the most cost-effective cashback cards for motorists who refuel frequently. HSBC Advance Credit Card Our pick for: Drivers with predictable monthly spending HSBC Advance provides cashback on general spending, including fuel. It works best for drivers with steady monthly fuel expenses who want straightforward rewards. Public Transport DBS Live Fresh Card Our pick for: SimplyGo and mobile wallet commuters DBS Live Fresh rewards contactless transactions, including eligible SimplyGo rides. It suits commuters who prefer tapping with their physical card or mobile wallet. Citi M1 Platinum Visa Card Our pick for: Commuters who pay M1 bills and travel frequently This card offers cashback on transport and recurring telco bills. It is ideal for M1 users who also want consistent savings on their daily commute. POSB Everyday Card Our pick for: Households reliant on public transport The POSB Everyday Card offers cashback on transport and essential daily categories. It is a solid choice for individuals or families with regular commuting expenses. How cashback rewards work Earning cashback with a credit card in Singapore is one of the simplest ways to turn your everyday spending into effortless savings. Whether you’re a frequent online shopper, a dining enthusiast, or someone who prioritises essential spending like groceries and bills, the right cashback card helps you stretch your dollars further. With each eligible transaction, you earn cashback based on the card’s reward structure. Some cards offer higher cashback for dining or fuel, while others provide flat unlimited cashback on all purchases. This means you can earn meaningful rebates simply by using your card for your regular expenses. There are two main types of cashback cards: General–purpose cashback cards: These cards offer broad cashback across everyday categories such as groceries, dining, transport, petrol, and online shopping. They’re ideal for users who want consistent savings without tracking multiple rules or bonus caps. General–purpose cashback cards: These cards offer broad cashback across everyday categories such as groceries, dining, transport, petrol, and online shopping. They’re ideal for users who want consistent savings without tracking multiple rules or bonus caps. Category–specific cashback cards: These specialise in rewarding particular types of spending, such as online shopping, dining, or contactless payments. If your spending habits are concentrated in certain areas, these cards can help you maximise returns in those categories. Category–specific cashback cards: These specialise in rewarding particular types of spending, such as online shopping, dining, or contactless payments. If your spending habits are concentrated in certain areas, these cards can help you maximise returns in those categories. How do we determine the value of a cashback card? For general cashback cards, it’s straightforward: the value is the percentage of cashback you receive relative to your spending. But for category–specific cards, the true value depends on your spending patterns, the minimum spend requirement, and how quickly you hit the monthly caps. Use our cashback comparison page to explore which card best matches your lifestyle. And whenever you find a cashback card that offers even higher returns for your favourite spending habits, that’s a win. How to choose a cashback credit card Choosing the right cashback card from the many options available can make a big difference in how much you save each month. The ideal card should align with your lifestyle, spending categories, and preferred level of effort, whether you like “set and forget” simplicity or want to optimise bonuses. When making your choice, prioritise these factors: Match your cashback rewards to your spending habits: Pick a card that rewards where you spend most such as groceries, dining, online shopping, commuting, or petrol. Match your cashback rewards to your spending habits: Pick a card that rewards where you spend most such as groceries, dining, online shopping, commuting, or petrol. Look at minimum spend requirements: Some cards require you to spend S$600–S$800 monthly to unlock higher cashback rates. If your spending doesn’t reliably hit that level, consider cards with no minimum spend. Look at minimum spend requirements: Some cards require you to spend S$600–S$800 monthly to unlock higher cashback rates. If your spending doesn’t reliably hit that level, consider cards with no minimum spend. Check cashback caps and exclusions: Cashback caps limit how much you can earn each month. If you prefer flexibility, look for flat-rate or uncapped cashback cards. Check cashback caps and exclusions: Cashback caps limit how much you can earn each month. If you prefer flexibility, look for flat-rate or uncapped cashback cards. Consider sign-up bonuses or promotional rates: These can boost your total savings in the first few months and help offset annual fees. Leveraging PayWave, digital wallets & shopping portals Most modern cashback cards support Visa PayWave, Apple Pay, Google Pay, Samsung Pay, and proprietary bank wallet services. This makes it easy to earn cashback on eligible transactions simply by tapping or paying with your phone. Purchases made via online shopping portals and major e-commerce platforms are generally eligible for cashback (subject to your card’s T&Cs). However, note that top-ups to prepaid accounts, financial services, government payments, and insurance premiums are usually excluded, even if processed through digital payment channels. Pitfalls & mistakes to avoid Missing minimum spend requirements, which prevents you from earning the higher cashback tier. Missing minimum spend requirements, which prevents you from earning the higher cashback tier. Ignoring cashback caps, resulting in lower returns once you exceed the monthly limit. Ignoring cashback caps, resulting in lower returns once you exceed the monthly limit. Using the wrong card for a category (e.g., using a flat-rate card when a category card would earn significantly more). Using the wrong card for a category (e.g., using a flat-rate card when a category card would earn significantly more). Paying unnecessary annual fees. Always evaluate whether your cashback savings justify the fee, or request a fee waiver. Paying unnecessary annual fees. Always evaluate whether your cashback savings justify the fee, or request a fee waiver. Assuming all contactless or online payments earn cashback. Always check merchant category codes (MCCs) and exclusions. Assuming all contactless or online payments earn cashback. Always check merchant category codes (MCCs) and exclusions. Pros and Cons of having cashback cards Cashback gives you instant, predictable savings Cashback rewards are straightforward. Every time you spend, you get a portion of your money back. Unlike miles or points, cashback immediately reduces your expenses and is easy to understand, no complex conversions or redemption rules. Great for everyday spending Most cashback cards reward common categories such as groceries, dining, online shopping, petrol, transport, and utilities. Because these are recurring expenses, you can earn meaningful savings simply by using your card for regular monthly purchases. Simple to track and redeem Cashback is typically credited directly to your statement or account, making it one of the easiest reward types to manage. There is no need to track miles expiry, transfer partners, or flight availability. What you see is what you get. Strong short-term value with sign-up bonuses Many cashback cards offer generous sign-up bonuses when you meet a minimum spend within the first one to two months. These bonuses can give you an immediate financial boost, helping offset bills or upcoming expenses. Ideal for non-travellers or budget-conscious users If you don’t travel frequently or prefer immediate savings over long-term redemptions, cashback cards offer reliable value. They suit users who prioritise everyday cost savings rather than travel perks. Minimum spend requirements can be restrictive To unlock higher cashback rates, many cards require a minimum monthly spend, often S$600 to S$800, and sometimes more. If your spending varies from month to month, you may not consistently earn the maximum rewards. Cashback caps limit how much you can earn Most category-based cashback cards impose monthly caps. Once you hit the cap, additional spending earns only a low base rate. This can restrict high spenders or families with large grocery or dining budgets. Categories may not match your lifestyle Cashback categories differ across cards, and not all spending qualifies for bonus rates. If your spending habits don’t align with the card’s rewarded categories, you may end up earning far less than expected. Annual fees may outweigh the rewards Some cashback cards charge annual fees after the first year. If your monthly spending is low or inconsistent, the value of your cashback may not fully offset the fee. Lower value for luxury or premium travel Cashback offers certainty but not the high upside potential of air miles. Users who want business-class flights, premium travel perks, or high-value redemptions may find cashback less rewarding in the long term. Frequently asked questions How do cashback credit cards work?  Cashback credit cards reward you for using them to make purchases. Each time you use your card, you earn a percentage of your spending back as cashback. This cashback is typically credited to your account monthly or quarterly, and you can use it to offset your outstanding balance, redeem it for rewards, or even receive it as a direct deposit into your bank account. Cashback credit cards reward you for using them to make purchases. Each time you use your card, you earn a percentage of your spending back as cashback. This cashback is typically credited to your account monthly or quarterly, and you can use it to offset your outstanding balance, redeem it for rewards, or even receive it as a direct deposit into your bank account. Do cashback cards actually give you cash?  Yes, cashback cards do give you actual cash. The cashback you earn is real money that you can use to offset your credit card bill, redeem for rewards, or receive as a direct deposit. Yes, cashback cards do give you actual cash. The cashback you earn is real money that you can use to offset your credit card bill, redeem for rewards, or receive as a direct deposit. What kinds of cashback credit cards are there?  There are two main types of cashback credit cards: Flat-rate cashback cards: These cards offer a consistent cashback percentage on all purchases, regardless of the spending category. Category-based cashback cards: These cards offer higher cashback rates in specific spending categories, such as dining, groceries, or petrol. Some cards also offer a combination of flat-rate and category-based cashback, providing flexibility and higher rewards in targeted areas. There are two main types of cashback credit cards: Flat-rate cashback cards: These cards offer a consistent cashback percentage on all purchases, regardless of the spending category. Flat-rate cashback cards: These cards offer a consistent cashback percentage on all purchases, regardless of the spending category. Category-based cashback cards: These cards offer higher cashback rates in specific spending categories, such as dining, groceries, or petrol. Category-based cashback cards: These cards offer higher cashback rates in specific spending categories, such as dining, groceries, or petrol. Some cards also offer a combination of flat-rate and category-based cashback, providing flexibility and higher rewards in targeted areas. What's the highest paying cashback card?  The highest paying cashback card depends on your spending habits and the specific card's features. Some cards offer high cashback rates in bonus categories, while others offer a flat rate on all purchases. It's essential to compare different cards and consider your spending patterns to find the card that will give you the highest cashback rewards. The highest paying cashback card depends on your spending habits and the specific card's features. Some cards offer high cashback rates in bonus categories, while others offer a flat rate on all purchases. It's essential to compare different cards and consider your spending patterns to find the card that will give you the highest cashback rewards. Is cashback from a credit card taxable?  In Singapore, cashback earned from a credit card is not considered taxable income. This means you get to keep the full amount of your cashback rewards without worrying about any tax implications. In Singapore, cashback earned from a credit card is not considered taxable income. This means you get to keep the full amount of your cashback rewards without worrying about any tax implications. Does cashback expire?  The expiry policies for cashback vary depending on the credit card issuer and the specific card's terms and conditions. Some cards may have cashback that expires after a certain period, while others may allow you to accumulate cashback indefinitely. It's crucial to check the terms and conditions of your card to understand the cashback expiry policy. The expiry policies for cashback vary depending on the credit card issuer and the specific card's terms and conditions. Some cards may have cashback that expires after a certain period, while others may allow you to accumulate cashback indefinitely. It's crucial to check the terms and conditions of your card to understand the cashback expiry policy. Should I save up cashback rewards?  Whether you should save up your cashback rewards or redeem them regularly depends on your financial goals and preferences. If you're saving for a specific goal, such as a holiday or a down payment on a flat, it might be beneficial to save up your cashback rewards. However, if you prefer to enjoy the benefits of your cashback sooner, you can redeem them regularly to offset your credit card bill or treat yourself to something special. Whether you should save up your cashback rewards or redeem them regularly depends on your financial goals and preferences. If you're saving for a specific goal, such as a holiday or a down payment on a flat, it might be beneficial to save up your cashback rewards. However, if you prefer to enjoy the benefits of your cashback sooner, you can redeem them regularly to offset your credit card bill or treat yourself to something special. Why do credit cards give cashback?  Credit card companies offer cashback as an incentive to attract new customers and encourage existing customers to use their cards more frequently. Cashback is a way for credit card companies to compete with each other and reward their loyal customers. Credit card companies offer cashback as an incentive to attract new customers and encourage existing customers to use their cards more frequently. Cashback is a way for credit card companies to compete with each other and reward their loyal customers. At SingSaver, we're committed to helping you find the best credit card to match your needs. Our selection process is thorough and data-driven, considering a range of crucial factors, including rewards rate, eligibility requirements, customer service and promotional offers. Our evaluation of financial products prioritises transparency, ease of application, and rewards optimisation. We aim to provide clear and concise information about each card, outlining its key features, benefits, and any associated terms and conditions. We also consider the ease of the application process, ensuring that applying for a recommended card is straightforward and hassle-free. Ultimately, our goal is to help you optimise your rewards strategy, maximising the value you get from your no-annual-fee credit card without any hidden costs or surprises.