Best Credit Cards For Mobile Wallet Payments (2024)

Mobile wallets such as Google pay and Apple Pay offer you an easy and seamless way to use your credit cards to pay for almost everything under the sun, whether it's your MRT/bus journeys, food, or shopping online at your favourite merchants. 

What's more, most credit cards allow you to earn regular rewards when you make payments with a mobile wallet. Check out this curated list of the best credit cards for mobile wallet payments below for your convenience. 

 

Credit card	Credit card type	Key benefits
UOB Preferred Platinum Visa Card	Rewards	UNI$10 per S$5 spend (4 mpd) on online shopping and entertainment, and mobile contactless payments
HSBC Revolution Card	Rewards	10X rewards (4 mpd or 2.5% cashback) on qualified online and offline contactless payments
Citi Rewards Card	Rewards	10X rewards (4 mpd or 2.5% cashback) on eligible retail and online transactions
UOB One Card	Cashback	Up to 15% cashback per quarter, capped at S$50/S$100/S$300 per quarter
Maybank Family & Friends Card	Cashback	8% cashback on five selected categories, up to S$125 per calendar month
UOB EVOL Card	Cashback	10% cashback on online and mobile contactless payments, 10% cashback on overseas in-store foreign currency spend, 0.3% on all other spend. Cashback capped at S$80 per month
DBS Live Fresh Card	Cashback	Up to 6% cashback online and in-store shopping spend and transport spend (including SimplyGo); capped at S$70 per month
OCBC FRANK credit card	Cashback	Up to 10% cashback on online, mobile contactless, and foreign currency spending; capped at S$100 per month

Key benefits	UNI$10 per S$5 spend (4 mpd or 2.5% cashback) on eligible online shopping, entertainment, and mobile contactless payments
Supported mobile wallet(s)	Apple Pay, Google Pay, Samsung Pay, Garmin Pay
Annual fee	S$196.20
Minimum spend	N/A
Minimum income requirement	S$30,000 per year for Singaporeans/PRs, S$40,000 for foreigners
Minimum age	21

The UOB Preferred Platinum Visa Card is one of the most versatile rewards cards for mobile contactless transactions, earning you up to UNI$10 per S$5 spend (4 mpd) on pretty much anywhere that has a contactless terminal. Just as long as the transaction isn't among the list of exclusions in the UOB Rewards Programme, such as travel-related transactions.   

Aside from the exclusion list, do note that there are a couple of other caveats. Firstly, tapping the physical card will only earn you UNI$1 per S$5 spend (0.4 mpd). Likewise, you'll earn 0.4 mpd for public transport rides, and paying at UOB$ merchants will earn you UOB$ (cashback) instead of UNI$. The reward points are also awarded in S$5 blocks, so your transactions are also rounded to the nearest S$5. 

Besides mobile contactless transactions, the UOB Preferred Platinum Visa Card also offers 4 mpd on eligible online shopping, online dining, and online entertainment spends, based on the following Merchant Category Codes (MCC):

Category	Merchant Category Codes (MCC)
Department stores and retail stores	4816, 5262, 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5661, 5691, 5699, 5732-5735, 5912, 5942, 5944-5949, 5964-5970, 5992, 5999
Supermarkets, dining, and food delivery	5811, 5812, 5814, 5333, 5411, 5441, 5462, 5499, 8012, 9751
Entertainment and ticketing	7278, 7832, 7841, 7922, 7991, 7996, 7998-7999

Also read: MCC: The Three Most Important Letters When Earning Air Miles (or Cashback)

Key benefits	10X rewards (4 mpd or 2.5% cashback) on qualified online and offline contactless payments; 1X rewards (0.1 mpd) on all other purchases
Supported mobile wallet(s)	Apple Pay, Google Pay
Annual fee	N/A
Minimum spend	N/A
Minimum income requirement	S$30,000 per year for Singaporeans/PRs, S$40,000 for foreigners
Minimum age	21

The HSBC Revolution credit card is one of the most versatile miles cards around, allowing you to earn bonus reward points on a wide range of qualifying transactions, from air tickets to dining and groceries to online shopping. 

You’ll earn 10X Reward points per dollar spent on eligible online and offline contactless purchases (including Apple Pay and Google Pay), which is equivalent to 4 miles per dollar (mpd) or 2.5% cashback. 

Category	Merchant Category Codes (MCC)	Examples
Select travel-related merchants such as airlines, car rental facilities, lodging, cruise lines and travel agencies*	3000 to 3350, 3351 to 3500, 3501 to 3999, 4411, 4511	Singapore Airlines, Emirates, Qatar Airlines, Cathay Pacific, Scoot, Hilton, Marriott, Hyatt Hotels
Department stores and retail stores	4816, 5045, 5262, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5732 to 5735, 5912, 5942, 5944 to 5949, 5964 to 5970, 5992, 5999	Courts, Harvey Norman, Lazada, Shopee, Amazon, Taobao, Qoo10
Select supermarkets, dining and food delivery*	5441, 5462, 5811, 5812, 5813	Candy Empire, TWG Tea, Chateraise, Bengawan Solo, Awfully Chocolate, Four Leaves
Others such as transportation and membership clubs	4121, 7997	Grab, Comfort, Gojek, TADA, Anytime Fitness

[Update!] *Since 1 January 2024, the HSBC Revolution Card no longer earns 9X bonus Rewards Points on MCC 4722 (Travel Agencies & Tour Operators) and MCC 7011 (Lodging – Hotels, Motels, and Resorts).

Likewise, from 1 May onwards, MCCs 5411 (Supermarkets), 5499 (Miscellaneous Food Stores), and 5814 (Fast Food) also stop earning 9X bonus Rewards Points. These categories now only earn 1X base reward points – equivalent to 0.4 mpd.

Although this might throw a spanner in your credit card strategy, don't panic! There are other alternative credit cards to consider, such as the ones on this list or our credit card guide! 

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The caveat is that the 10X bonus points are capped at S$1,000 per calendar month (or 9,000 reward points), so anything above that threshold will earn you 1X point per dollar spent instead (or 0.4 mpd). 

You’ll also earn 1X point per dollar if the transactions are qualified but not eligible, such as non-contactless payments, or if the merchant doesn’t fall under the eligible MCC.

Certain transactions are also ineligible for rewards; these include top-ups to mobile wallets (YouTrip, EZ-Link, GrabPay, etc.), payments on utilities, quasi-cash transactions, and more. You may refer to the full list of exclusions here. 

Key benefits	10X rewards (4 mpd or 2.5% cashback) on qualified shopping, online shopping, online food delivery, online groceries, Grab and Gojek; 1X rewards (0.4 mpd) on all other spending
Supported mobile wallet(s)	Apple Pay, Google Pay
Annual fee	S$196.20 (first year waived)
Minimum spend	N/A
Minimum income requirement	S$30,000 per year for Singaporeans/PRs, S$42,000 for foreigners
Minimum age	21

The Citi Rewards Card is another one of our favourite rewards cards. It offers 10X rewards (or 4 mpd) for every dollar spent on eligible retail and online purchases, whether it’s shopping, food delivery, groceries, streaming services, or ride-hailing services. 

However, like the HSBC Revolution, there’s a monthly cap of S$1,000 to earn bonus rewards; once you’ve breached that cap, you’ll only earn 1 Reward point (or 0.4 mpd) for every dollar spent. 

As with all credit cards, there is a list of categories that are excluded from bonus points. Most notably, travel-related transactions (flights, hotel, car rental, etc.) and mobile wallet purchases are excluded. 

For the latter, this means that you won’t earn 10X Rewards points if you use a mobile wallet such as Google Pay or Samsung Pay to pay for transactions (though in-store payments via a mobile wallet will still earn you 10X Rewards points).  

However, you can bypass this by pairing your Citi Rewards Card with the Instarem amaze card and linking your amaze card to Google Pay (Apple Pay isn't currently supported on amaze); the transaction will be counted as an online transaction, and you’ll continue to earn 10X Rewards points/4 mpd as long as they're eligible. 

The amaze card is also a great card for overseas spending. Not only does it offer a competitive foreign currency conversion rate, but you can also earn 1% cashback on foreign transactions.

In other words, the Citi Rewards Card + amaze card combo is one of the best ways to get the most out of your local and foreign spending — don't leave home without it.

Key benefits	Up to 3.33% base cashback on eligible spending per quarter, up to 6.67% additional cashback per quarter, and up to 5% enhanced cashback per quarter
Supported mobile wallet(s)	Apple Pay, Google Pay, Samsung Pay UOB Mighty, Fitbit Pay
Annual fee	S$196.20 (first year waived)
Minimum spend	S$500
Minimum income requirement	S$30,000 per year for Singaporeans/PRs, S$40,000 for foreigners
Minimum age	21

If you like the convenience of using mobile wallets such as Google Pay, Apple Pay, and UOB Mighty for your purchases, the UOB One Card offers the same rebates that you would get with the physical card.

In its heyday, the UOB One Card offered up to 5% base cashback every quarter. Though this has since been nerfed to 3.33%, it’s still a solid card worth considering, especially if you have consistent spending habits every month. 

How the cashback mechanism works: you’ll earn a base cashback of 3.33% if you meet the minimum spending requirement of $500, S$1,000, or S$2,000 per month in a quarter. For example, you’ll need to make at least five transactions and spend $2,000 monthly for three months to be eligible for the maximum 3.33% base cashback (S$200). 

On top of the 3.33% base cashback, you’ll also earn an additional cashback of up to 6.67% per quarter if you make a minimum of five transactions in a month a quarter on eligible merchants such as Grab, Shopee, and Dairy Farm merchants. 

For a limited period, new UOB members who sign up for the UOB One Card will also get to enjoy up to 5% enhanced cashback. This effectively means that you can get up to 15% cashback in a quarter. 

If your brain has exploded from information overload, here's a summary table:

For 3 consecutive months 📅	Min. S$500 / S$1,000 spend per month	Min. S$2,000 spend per month
Base cashback	3.33%
Additional cashback	5%	6.67%
Enhanced cashback (For new-to-UOB cardmembers only)	6.67%	5%
Total cashback earned	Existing UOB cardmembers: 10% New-to-UOB cardmembers: 15%

As a bonus, you can also earn up to 7.80% p.a. on your UOB One savings account when you spend on selected UOB credit cards, which includes the UOB One Credit Card. 

Key benefits	8% cashback on five selected categories, capped at S$25 per category and up to S$125 cashback per calendar month
Supported mobile wallet(s)	Apple Pay, Samsung Pay
Annual fee	S$181.80 (first three years waived)
Minimum spend	S$800
Minimum income requirement	S$30,000 per year for Singaporeans/PRs, S$45,000 for Malaysians, S$60,000 for other foreigners
Minimum age	21

If you're looking for card with a high cashback and flexibility to choose your preferred cashback categories, the Maybank Family & Friends Card is right up your street. 

This credit card offers 8% cashback on your favourite categories. You can pick 5 out of 10 categories ranging from groceries and dining & food delivery to data communication & online TV streaming, and each category offers up to S$25 cashback. This means that you can rack up to S$125 cashback per month. 

Plus, if you spend a lot of time in Malaysia, rejoice because you'll get an additional category, Malaysian Ringgit Spend, which is automatically included on top of your five preferred categories, giving you additional cashback per month. 

Cashback categories	Description
Groceries (MCC 4411)	NTUC FairPrice, Cold Storage, Giant, Market Place, Sheng Siong, DON DON DONKI, RedMart, and all other groceries and supermarkets globally
Transport (MCC 4111, MCC 4121, MCC 4789, MCC 5541, MCC 5542, MCC 5532, MCC 5533, MCC 5599, MCC 7531, MCC 7535 and MCC 7538, and MCC 8699)	Petrol stations, contactless bus and train rides, taxi, Grab/Gojek, other passenger transportation services and automotive-related services globally
Dining and food delivery (MCC 5812)	Restaurant dining, Foodpanda, and Deliveroo globally
Retail and pets (MCC 0742 and MCC 5995)	POPULAR bookstores, Toys ‘R’ Us, Yamaha Music, pets and veterinary related services globally
Data communication and online TV streaming (MCC 4812, MCC 4814, and MCC 4899)	StarHub, Singtel, M1 Limited, Circles.Life, MyRepublic, Disney+, Netflix, and/or other telecommunication, pay television, cable and radio services globally
Online fashion (MCC 5611, MCC 5621, MCC 5631, MCC 5641, MCC 5651, MCC 5661, MCC 5691, MCC 5699, and MCC 5948)	Online purchases on apparel, shoes, accessories, leather goods, luggage, and other fashion purchases globally
Entertainment (MCC 5813, MCC 7832 and MCC 7922)	Bars, drinking places, cinemas, motion picture theatres, theatrical producers, a nd ticketing agencies globally
Pharmacy (MCC 5912)	Guardian, Watsons, Unity, GNC/LAC, other drug stores and pharmacies globally
Sports and sports apparels (MCC 5655, MCC 5940, MCC 5941, MCC 7032, MCC 7941, MCC 7992, and MCC 7997)	Sports/riding apparels, sporting goods, bicycle shops, recreation and sporting camps, sports club, golf courses, country clubs and membership globally
Beauty and wellness (MCC 7297, MCC 7298, and MCC 7230)	Massage parlors, health and beauty spas, and barber shops globally
Malaysian Ringgit Spend (Additional Bonus Category)	Eligible retail transactions in Malaysian Ringgit which are not transactions counted towards the five (5) Default Categories or Selected Categories (whichever applicable)

Unlike the UOB One Card, the cashback mechanic on the Maybank Family & Friends Card is more straightforward; to maximise your cashback, you should spend S$312.50 on each of your chosen 8% cashback categories. 

The cherry on top is the Maybank Family & Friends Card also works seamlessly with the Instarem amaze card. 

When paired with Instarem amaze, you’ll get to enjoy lower foreign currency conversion fees and receive 0.5 InstaPoints per S$1 spent on foreign transactions. On top of this, you’ll continue to gain 8% cashback when you dine, shop, pay for public transport, etc. 

However, if you don’t pair it with amaze, you’ll only earn 0.3% base cashback for overseas spending. Another thing to note is the minimum monthly spending is S$800, which is quite high if you’re not a high spender. 

Key benefits	10% cashback on online and mobile contactless payments (capped at S$30 per month), 10% cashback on overseas in-store foreign currency spend (capped at S$20 per month), 0.3% cashback on other spend (capped at S$20 per month)
Supported mobile wallet(s)	Apple Pay, Google Pay, Samsung Pay UOB Mighty, Fitbit Pay
Annual fee	S$196.20 (first year waived)
Minimum spend	S$800
Minimum income requirement	S$30,000 per year for Singaporeans/PRs, S$80,000 for foreigners
Minimum age	21

Formerly known as UOB YOLO Card, the UOB EVOL Card offers 10% cashback on online and mobile contactless spends across an extensive list of categories including dining, entertainment, shopping, groceries, food delivery, hotels, and more. 

You'll also earn 10% cashback on overseas transactions, which is capped at S$20 per month. Lastly, you’ll earn 0.3% cashback on all other spending (capped at S$30). 

All in all, you can get up S$30 to S$20 cashback per category and up to S$80 cashback per month. 

Cashback	Cap per statement month
10% cashback on online and mobile contactless spend	S$30
10% cashback on overseas in-store foreign currency spend	S$20
0.3% cashback on all other spend	S$30

However, note that the minimum spend per month is S$800. So, realistically speaking, if you're someone who primarily spends on the mobile contactless and online category, the S$30 cashback cap means that your effective cashback is 3.75% (S$30/S$800).

Also, note that some transactions are excluded from cashback, including petrol, medical expenses, and utility bills.

You can also earn up to 6.00% p.a. on your UOB One savings account when you spend on your UOB EVOL card. 

Key benefits	Up to 6% cashback on online and in-store shopping spend and transport spend; 0.3% unlimited cashback on all other spend; capped at S$70 per month (S$50 for shopping spend and S$20 on transport spend); no cashback cap for all other eligible spend
Supported mobile wallet(s)	Apple Pay, Google Pay, Samsung Pay
Annual fee	S$196.20 (first year waived)
Minimum spend	S$800
Minimum income requirement	S$30,000 per year for Singaporeans/PRs, S$45,000 for foreigners
Minimum age	21

DBS Live Fresh Card earns you 6% cashback for online transactions and Visa contactless payments, including those made with mobile wallets like Apple Pay, Google Pay, and Samsung Pay. 

The monthly cashback is capped at S$70 per month and split into two categories: S$50 for shopping spend and S$20 for transport spend. Furthermore, no cashback cap is set for all other eligible spend. Though, you’ll need to hit at least S$800 per month to enjoy the maximum cashback. 

Cashback	Monthly cap
Up to 6% on transport spend	S$20
Up to 6% on shopping spend	S$50
0.3% unlimited cashback on all other spend	No Cap

The DBS Live Fresh Card also gives you additional perks for categories such as groceries, petrol, and dining. Lastly, there’s also a standard list of exclusions to note, including instalments, cash advances, fees charged by DBS and bill payments via internet banking. Find out more on their FAQ page.

If you have a DBS Multiplier Account, you can earn an interest rate of 1.80% p.a. when you credit your monthly salary and spend at least S$800 per month on your DBS Live Fresh Card. 

Key benefits	Up to 10% cashback on online, mobile contactless, and foreign currency spending, capped at S$100 per month across four categories (S$25 per category)
Supported mobile wallet(s)	Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Annual fee	S$196.20 (first year waived)
Minimum spend	S$800
Minimum income requirement	S$30,000 per year for Singaporeans/PRs, S$80,000 for foreigners
Minimum age	21

The OCBC FRANK credit card offers up to 10% cashback on four categories: online and mobile contactless, green merchants, foreign currency, and other spend with a minimum monthly spend of S$800 per month. 

Here's how the cashback is broken down into.

Cashback category	Details
Overseas spend	8% cashback rate   For purchases made in foreign currency online and in store Capped at S$25 per month
Local spend	8% cashback rate   For online purchases and contactless mobile transactions (Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay) Capped at S$25 per month
Green merchants	Bonus 2% cashback rate   For transactions on SimplyGo, BlueSG, Scoop Wholefoods, Charge+, electric vehicle charging, Greenlots, SG Bike, Little Farms, and more Capped at S$25 per month
Other spending	0.3% cashback rate Capped at S$25 per month

Essentially, you'll earn 8% cashback on mobile contactless and online transactions, and foreign currency transactions (capped at S$25 per category), plus an additional 2% cashback on green merchants (capped at S$25). You'll also earn 0.3% cashback on other eligible transactions (capped at S$25). All in all, you can enjoy up to S$100 cashback per month.