3 Best E-Commerce Credit Cards For Online Shopping

Try these three credit cards to enjoy exclusive e-commerce perks.

Who doesn't love online shopping? With the ability to browse thousands of items, pay for them digitally and have them delivered within days (or hours, if you have Amazon Prime), instant gratification has never been so… instant.

To help make your online shopping even more rewarding, here are three credit cards with e-commerce perks any serious shopper shouldn’t miss out on.

Best e-commerce credit cards for online shoppers
Credit card	E-commerce perks
Citi Rewards Card	10X ThankYou points on online transactions
BOC Qoo10 World Mastercard	Up to 10% rebate on Qoo10 spends as Qmoney
OCBC Titanium Rewards Credit Card	10X points on clothing, shoes, electronics and accessories, online and in-store
HSBC Revolution Card	10X Reward points on online shopping and contactless spending

Citi Rewards Card

The Citi Rewards Card awards you with 10 ThankYou points (or 4 miles per dollar) on eligible online transactions, including online shopping, online food delivery, online groceries, and Grab and Gojek rides.

Pair it with the Instarem amaze card and link it with your Google Pay wallet and you'll be able to convert all offline transactions into online payments, allowing you to earn up to 10 ThankYou points as long as they're eligible.

Eligibility and fees

Before you sign up for this credit card, take note of the eligibility criteria and fees below.

Age: 21 or older
Annual income: S$30,000 for Singaporeans, S$42,000 for foreigners
Annual fee: S$194.40 (First year free)
Minimum effective interest rate: 26.9% per annum

CITI_REWARDS_MASTER

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BOC Qoo10 World Mastercard

Fans of Qoo10 will probably light up at the mention of Qmoney, which is a currency you can use on the popular e-commerce platform to offset your purchases.

With the BOC Qoo10 World Mastercard, you can earn Qmoney equal to up to 10% rebate on your Qoo10 transactions. But there are a few qualifiers to note.

Firstly, if you spend at least S$400 on the card in a month, you will earn 3% rebate on your Qoo10 transactions as Qmoney, capped at $30 Qmoney.

If you spend S$800 or more, your rebate increases to 10%. Additionally, you will also earn Qmoney equal to 15% of your public transport spends, and 3% on selected categories.

You can also earn an additional $40 in Qmoney, for a total of S$70 Qmoney. (However, $30 Qmoney is the maximum you can earn from Qoo10 transactions, the other S$40 Qmoney must come from other transactions.)

A little troublesome having to remember the caps and cut-offs, but still, not a bad way to save some money on your Qoo10 shopping sprees.

Eligibility and fees

Before you sign up for this credit card, take note of the eligibility criteria and fees below.

Age: 21 or older
Annual income: $30,000 for Singaporeans, $30,000 for foreigners
Annual fee: S$194.40 (First year free)
Minimum effective interest rate: 28.88% per annum

OCBC Titanium Rewards Credit Card

Do you buy a lot of clothes, shoes and accessories online? How about computers, tablets and other electronics? If your shopping carts are frequently filled with these popular shopping items, a credit card to consider is the OCBC Titanium Rewards Credit Card.

You can earn 10 points (50 points per S$5 spent) on your shopping, as long as they involve shoes, bags or clothing (whether for men or women) or electronics such as computers and software, peripherals like mice and headphones, or kitchen appliances.

Such a large range of eligible products also means you are free to use the card at Lazada, Amazon, Shopee, Qoo10, Taobao and more.

As an added benefit, you will earn 10 points when you spend on the same type of items in your favourite department store, so you’re guaranteed to earn rewards as you spend.

One drawback though: you’re limited to a maximum of 120,000 bonus points per 12-month period. But as this is a yearly limit, it’s a wee bit more flexible than cards with a monthly cap.

(Note: The OCBC Titanium Rewards card replaces the OCBC Robinsons card, following Robinsons’ closure in Singapore.)

Eligibility and fees

Before you sign up for this credit card, take note of the eligibility criteria and fees below.

Age: 21 or older
Annual income: S$30,000 for Singaporeans, S$45,000 for foreigners
Annual fee: S$194.40 (First 2 years free)
Minimum effective interest rate: 26.88% per annum

OCBC Titanium Rewards Card Blue	OCBC Titanium Rewards Card Pink
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HSBC Revolution Card

The HSBC Revolution Card offers 10 Reward points (4 miles per dollar) on eligible online and offline transactions, including travel-related spending, shopping, groceries, dining, transportation (taxi, Tada, Grab, and Gojek rides), and memberships. Plus, there's no monthly minimum spend and annual fees!

However, keep in mind that the reward points are capped at S$1,000 per calendar month, so anything above that threshold will only earn you 1 Reward point.