Find The Best Credit Cards in Singapore 2024

updated: Dec 06, 2024

Discover the best credit cards in Singapore on SingSaver! Whether you’re after air miles, cashback or reward points, we’ve got you covered. Explore a range of cards from top banks and financial institutions in Singapore, and find the perfect card for your lifestyle and spending habits.

End the year on a high note! Choose from amazing rewards: a Dyson Supersonic™ Hair Dryer, Dyson Micro 1.5kg Vacuum, S$400 eCapitaVoucher, S$199 Cash + S$200 eCapitaVoucher, a FLUJO SmarTrax Standing Desk, or 20,000 Heymax Miles when you apply for select HSBC Credit Cards via SingSaver!

Best Credit Card in Singapore

credit_card Card benefit Monthly Spend Required Annual Fee Min. Annual Income

0.3 - 8% cashback

S$ 600.00 per month

S$ 196.20

S$ 30,000

on_provider_website

1.2 - 10 miles per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

1.2 - 3 miles per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

1.7% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

1.2 - 2.4 miles per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

1 - 10 points per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

1.5% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

1.6% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

0.25 - 2.5% cashback

None

No Annual Fee

S$ 30,000

on_provider_website

n_a

S$ 600.00

S$ 196.20

S$ 30,000

on_provider_website

1 - 3% cashback

S$ 1,000.00 per month

No Annual Fee

S$ 30,000

on_provider_website

1.3 - 5 miles per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

0.4 - 2.8 miles per dollar

S$ 800.00 per month

S$ 196.20

S$ 30,000

on_provider_website

1.2 - 3 miles per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

1 - 6.6 miles per dollar

None

S$ 261.60

S$ 30,000

on_provider_website

0.5 - 6% cashback

None

No Annual Fee

S$ 30,000

on_provider_website

0.3 - 6% cashback

S$ 800.00 per month

S$ 196.20

S$ 30,000

on_provider_website

1.4 - 6.6 miles per dollar

None

S$ 261.60

S$ 30,000

on_provider_website

3.25 - 5 points per dollar

None

S$ 545.00

S$ 120,000

on_provider_website

0.2 - 10% cashback

S$ 800.00

No Annual Fee

S$ 30,000

on_provider_website

Unlimited 1 - 3% cashback

S$ 2,000.00

No Annual Fee

S$ 120,000

on_provider_website

0.2 - 8% cashback

S$ 800.00 per month

S$ 196.20

S$ 30,000

on_provider_website

1 - 10 points per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

2 - 20 points per dollar

None

S$ 1,744.00

Conditional

on_provider_website

1.2 - 2 miles per dollar

None

S$ 397.85

Conditional

on_provider_website

0.3 - 5% cashback

S$ 500.00

S$ 196.20

S$ 30,000

on_provider_website

1.3 - 5 miles per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

0.3 - 10% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

1.2 - 10 miles per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

0.5 - 18% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

1.5 - 2.5%

S$ 0

S$ 196.20

S$ 30,000

on_provider_website

0.3 - 8% cashback

S$ 800.00 per month

S$ 196.20

S$ 30,000

on_provider_website

0.3 - 10% cashback

S$ 800.00 per month

S$ 196.20

S$ 30,000

on_provider_website

2 - 10 points per dollar

Conditional

S$ 327.00

Conditional

on_provider_website

1.1 - 2 miles per dollar

None

S$ 179.85

Conditional

on_provider_website

3.33 - 20% cashback

S$ 2,000.00

S$ 196.20

S$ 30,000

on_provider_website

0.3 - 10% cashback

S$ 800.00 per month

S$ 196.20

S$ 30,000

on_provider_website

1.8 - 8.5 HighFlyer points

None

S$ 304.59

Conditional

on_provider_website

1 - 6.6 miles per dollar

None

S$ 261.60

S$ 30,000

on_provider_website

0.5 - 18% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

1.5 - 6 miles per dollar

S$ 2,000.00 per month

S$ 599.50

S$ 120,000

on_provider_website

1.5 - 3% cashback

None

S$ 174.40

Conditional

on_provider_website

3% cashback

None

S$ 87.20

S$ 30,000

on_provider_website

1.6% cashback

None

S$ 130.80

S$ 30,000

on_provider_website

3.33% cashback

S$ 300.00

S$ 20

S$ 30,000

on_provider_website

0.4 - 4 miles per dollar

None

S$ 261.60

S$ 80,000

on_provider_website

5% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

0.17 - 5% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

0.17 - 6% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

21.6% fuel savings

None

S$ 196.20

S$ 30,000

on_provider_website

1 - 3 miles per dollar

S$ 2,000.00

S$ 599.50

S$ 150,000

on_provider_website

2% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

2% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

1 - 5 DBS points per dollar

None

S$ 163.50

S$ 30,000

on_provider_website

1 - 10 DBS points per dollar

None

S$ 196.20

S$ 80,000

on_provider_website

5% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

5% cashback

None

S$ 196.20

S$ 30,000

on_provider_website

0.3 - 3% cashback

S$ 500.00

Not applicable

S$ 30,000

on_provider_website

0.3 - 10% cashback

None

S$ 196.20

None

on_provider_website

1.4 - 2.4 miles per dollar

None

S$ 654.00

S$ 120,000

0.5 - 1% cashback

None

S$ 163.50

S$ 30,000

on_provider_website

0.3 - 10% cashback

S$ 800.00 per month

S$ 196.20

S$ 30,000

on_provider_website

1 - 2.25 miles per dollar

None

S$ 662.15

S$ 120,000

1.6 - 1.8% cashback

None

S$ 374.50

S$ 120,000

0.3 - 10% cashback

S$ 800.00

S$ 205.20

S$ 30,000

1% cashback

None

S$ 196.20

S$ 30,000

1 - 5% cashback

None

Free for life

S$ 30,000

0.4 - 4 miles per dollar

None

S$ 196.20

S$ 30,000

0.5 - 8% cashback

None

S$ 174.40

Conditional

0.22 - 21% cashback

None

No Annual Fee

S$ 30,000

on_provider_website

1 point per dollar

None

S$ 196.20

S$ 0

on_provider_website

0.4 - 10 miles per dollar

None

S$ 196.20

S$ 30,000

on_provider_website

n_a

None

S$ 0

None

on_provider_website

Best Singsaver exclusive offer

Best overseas cashback in Singapore

Citi PremierMiles Card

Citi PremierMiles Card
 

/ 5

on_provider_website

Airmiles Bonus Cap
No Expiry
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$370 Cash via PayNow
  • Samsonite Straren Spinner 67/24 + 2x Apple AirTag worth S$690.80
  • Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
  • eligible_rewards (9)

  • card_details

Best for travel bookings

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card
 

/ 5

on_provider_website

Annual Fee
S$ 196.20
Airport Lounge Access
2 visits per year*
Airmiles Base Rate
1.3 miles per dollar
REWARDS
  • Up to 30,000 miles
  • eligible_rewards (1)

  • card_details

Best for travel rewards

EXCLUSIVE DEAL THAT YOU WON'T FIND ELSEWHERE

Citi Prestige Card

Citi Prestige Card
 

/ 5

on_provider_website

Annual Fee
S$ 545.00
Airport Lounge Access
Unlimited Priority Pass visits
Airmiles Base Rate
1.3 miles per dollar
REWARDS
  • S$370 Cash via PayNow
  • Samsonite Straren Spinner 67/24 + 2x Apple AirTag worth S$690.80
  • Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
  • eligible_rewards (5)

  • card_details

Best for a day out or staying in

Fastest Rewards Fulfilment

Citi Cash Back+ Card

Citi Cash Back+ Card
 

/ 5

on_provider_website

Cashback Local
Up to 3.25%
Cashback Overseas
3.25%
Monthly Spend Required
None
Annual Fee
S$ 196.20
REWARDS
  • S$370 Cash via PayNow
  • Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
  • Hinomi H1 Classic V3 Ergonomic Office Chair with Headrest (worth S$659)
  • eligible_rewards (5)

  • card_details

Best unlimited cashback

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

on_provider_website

Cashback Local
1.6%
Cashback Overseas
1.6%
Monthly Spend Required
None
Annual Fee
S$ 130.80
REWARDS
  • Samsonite ENOW Spinner 69/25 EXP (worth S$570)
  • S$200 cashback
  • eligible_rewards (2)

  • card_details

Best cashback with low min. spend

HSBC Live+ Credit Card

HSBC Live+ Credit Card

on_provider_website

Cashback Local
Up to 8%
Cashback Overseas
Up to 8%
Monthly Spend Required
S$ 600.00 per month
Annual Fee
S$ 196.20
REWARDS
  • Dyson Supersonic™ hair dryer (worth S$649)
  • Dyson Micro 1.5kg (worth S$599)
  • Flujo SmarTrax Standing Desk (worth S$739)
  • eligible_rewards (5)

  • card_details

Best for families and household

UOB One Card

UOB One Card
 

/ 5

on_provider_website

Cashback Overseas
Up to 3.33%
Monthly Spend Required
S$ 2,000.00
Annual Fee
S$ 196.20
Cashback Local
Up to 20%
REWARDS
  • Up to 20% Cashback
  • eligible_rewards (1)

  • card_details

Best for flexible redemption

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card
 

/ 5

on_provider_website

Airmiles Base Rate
1.3 miles per dollar
Airmiles Bonus Cap
S$ 5,000.00 per calendar month
Monthly Spend Required
None
Annual Fee
S$ 196.20
REWARDS
  • Up to 30,000 miles
  • eligible_rewards (1)

  • card_details

Card Details

Highest combined miles rewards

Standard Chartered Journey Credit Card (Annual Fee Paying)

Standard Chartered Journey Credit Card (Annual Fee Paying)
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • Porsche Taycan Electric
  • Up to 57,000 Miles
  • S$190 Cash + 45,000 miles
  • eligible_rewards (7)

  • card_details

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

Fastest Rewards Fulfilment

Citi Rewards Card

Citi Rewards Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$370 Cash via PayNow
  • Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
  • Hinomi H1 Classic V3 Ergonomic Office Chair with Headrest (worth S$659)
  • eligible_rewards (9)

  • card_details

Fastest Cash Fulfillment

Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • Porsche Taycan Electric
  • Dyson Supersonic™ hair dryer (worth S$649)
  • Dyson Micro 1.5kg (worth S$599)
  • eligible_rewards (7)

  • card_details

DCS Flex Visa Platinum Card

DCS Flex Visa Platinum Card

on_provider_website

Monthly Spend Required
S$ 600.00
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • 31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
  • eligible_rewards (1)

  • card_details

UOB PRVI Miles Visa Card

UOB PRVI Miles Visa Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 261.60
Min. Annual Income
S$ 30,000
REWARDS
  • 58,000 miles upon SMS registration and fulfilling spend requirement
  • 38,000 miles with 1st year annual fee waived
  • eligible_rewards (2)

  • card_details

Fastest Cash Fulfillment

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
No Annual Fee
Min. Annual Income
S$ 30,000
REWARDS
  • Porsche Taycan Electric
  • S$240 Cash via PayNow
  • Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
  • eligible_rewards (7)

  • card_details

DBS Live Fresh Card

DBS Live Fresh Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 800.00 per month
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$150 cashback
  • eligible_rewards (1)

  • card_details

UOB PRVI Miles World MasterCard

UOB PRVI Miles World MasterCard
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 261.60
Min. Annual Income
S$ 30,000
REWARDS
  • 58,000 miles upon SMS registration and fulfilling spend requirement
  • 38,000 miles with 1st year annual fee waived
  • eligible_rewards (2)

  • card_details

Fastest Rewards Fulfilment

Citi Cash Back Card

Citi Cash Back Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 800.00 per month
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$370 Cash via PayNow
  • Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
  • Hinomi H1 Classic V3 Ergonomic Office Chair with Headrest (worth S$659)
  • eligible_rewards (9)

  • card_details

Fastest Cash Fulfillment

Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • Porsche Taycan Electric
  • S$240 Cash via PayNow
  • Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
  • eligible_rewards (7)

  • card_details

American Express Platinum Card

American Express Platinum Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 1,744.00
Min. Annual Income
Conditional
REWARDS
  • S$800 Statement Credits + Samsonite Choca Spinner 68/25 (worth S$700) + 10,000 Membership Rewards® Points
  • eligible_rewards (1)

  • card_details

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 397.85
Min. Annual Income
Conditional
REWARDS
  • Up to 38,000 KrisFlyer miles (enough to redeem a return trip to Taipei* on Singapore Airlines)
  • eligible_rewards (1)

  • card_details

Citi SMRT Card

Citi SMRT Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 500.00
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$370 Cash via PayNow
  • Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
  • Dyson Micro 1.5kg (worth S$599)
  • eligible_rewards (5)

  • card_details

DBS Altitude American Express Card

DBS Altitude American Express Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • Up to 35,000 miles
  • eligible_rewards (1)

  • card_details

Citi M1 Platinum Visa Card

Citi M1 Platinum Visa Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$370 Cash via PayNow
  • Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
  • Dyson Micro 1.5kg (worth S$599)
  • eligible_rewards (5)

  • card_details

Winner - Travel Credit Card of the Year by The Digital Banker

Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 800.00 per month
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • 10,000 KrisFlyer miles
  • Samsonite ENOW Spinner 69/25 EXP (worth S$570)
  • S$200 cashback
  • eligible_rewards (3)

  • card_details

Citi PremierMiles Card + Citi Wealth First Account Bundle

Citi PremierMiles Card + Citi Wealth First Account Bundle

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$370 Cash via PayNow + S$100 eCapitaVoucher
  • Samsonite Straren Spinner 67/24 + 2X AirTag worth S$690.80 + S$100 eCapitaVoucher
  • Apple iPad 9th Gen WiFi 64GB (worth S$479) + S$100 eCapitaVoucher
  • eligible_rewards (5)

  • card_details

DBS yuu Visa Card

DBS yuu Visa Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$150 cashback
  • eligible_rewards (1)

  • card_details

EXCLUSIVE DEAL THAT YOU WON'T FIND ELSEWHERE

HSBC Advance Credit Card

HSBC Advance Credit Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 0
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • Dyson Supersonic™ hair dryer (worth S$649)
  • Dyson Micro 1.5kg (worth S$599)
  • Flujo SmarTrax Standing Desk (worth S$739)
  • eligible_rewards (5)

  • card_details

Maybank Family & Friends Card

Maybank Family & Friends Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 800.00 per month
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • Samsonite ENOW Spinner 69/25 EXP (worth S$570)
  • S$200 cashback
  • eligible_rewards (2)

  • card_details

POSB Everyday Card

POSB Everyday Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 800.00 per month
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$150 cashback
  • eligible_rewards (1)

  • card_details

American Express Platinum Credit Card

American Express Platinum Credit Card

on_provider_website

Monthly Spend Required
Conditional
Annual Fee
S$ 327.00
Min. Annual Income
Conditional
REWARDS
  • Up to S$300 Statement Credits + 1,250 Membership Rewards® points
  • eligible_rewards (1)

  • card_details

American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 179.85
Min. Annual Income
Conditional
REWARDS
  • Up to 17,000 KrisFlyer miles (enough to redeem a return trip to Bali* on Singapore Airlines)
  • eligible_rewards (1)

  • card_details

UOB Absolute Cashback Card

UOB Absolute Cashback Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • Samsonite EVOA Z Spinner 25" Exp (worth S$730)
  • Apple AirTag 4-Pack (worth S$149)
  • Sony LinkBuds S (WF-LS900N) worth S$199
  • eligible_rewards (6)

  • card_details

UOB EVOL Card

UOB EVOL Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 800.00 per month
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

American Express Singapore Airlines Business Credit Card

American Express Singapore Airlines Business Credit Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 304.59
Min. Annual Income
Conditional
REWARDS
  • 33,000 HighFlyer points
  • eligible_rewards (1)

  • card_details

UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 261.60
Min. Annual Income
S$ 30,000
REWARDS
  • 58,000 miles upon SMS registration and fulfilling spend requirement
  • 38,000 miles with 1st year annual fee waived
  • eligible_rewards (2)

  • card_details

DBS yuu American Express Card

DBS yuu American Express Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$150 cashback
  • S$60 cashback
  • eligible_rewards (2)

  • card_details

DBS Vantage Visa Infinite Card

DBS Vantage Visa Infinite Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 2,000.00 per month
Annual Fee
S$ 599.50
Min. Annual Income
S$ 120,000
REWARDS
  • Up to 60,000 miles
  • Up to 40,000 miles
  • eligible_rewards (2)

  • card_details

American Express True Cashback Card

American Express True Cashback Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 174.40
Min. Annual Income
Conditional
  • card_details

Maybank Manchester United Platinum Visa Credit Card

Maybank Manchester United Platinum Visa Credit Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 87.20
Min. Annual Income
S$ 30,000
REWARDS
  • Samsonite ENOW Spinner 69/25 EXP (worth S$570)
  • S$200 cashback
  • eligible_rewards (2)

  • card_details

Maybank Platinum Visa Card

Maybank Platinum Visa Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 300.00
Annual Fee
S$ 20
Min. Annual Income
S$ 30,000
REWARDS
  • Samsonite ENOW Spinner 69/25 EXP (worth S$570)
  • S$200 cashback
  • eligible_rewards (2)

  • card_details

Maybank World Mastercard

Maybank World Mastercard
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 261.60
Min. Annual Income
S$ 80,000
REWARDS
  • Samsonite ENOW Spinner 69/25 EXP (worth S$570)
  • S$200 cashback
  • eligible_rewards (2)

  • card_details

DCS DON DON DONKI Card

DCS DON DON DONKI Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

DBS Takashimaya Visa Card

DBS Takashimaya Visa Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

DBS Esso Card

DBS Esso Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
REWARDS
  • S$120 cash rebate
  • eligible_rewards (1)

  • card_details

Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Credit Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 2,000.00
Annual Fee
S$ 599.50
Min. Annual Income
S$ 150,000
  • card_details

DCS Ultimate Platinum UnionPay Card

DCS Ultimate Platinum UnionPay Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

DCS Ultimate Platinum Mastercard

DCS Ultimate Platinum Mastercard

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

DBS Woman's Card

DBS Woman's Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 163.50
Min. Annual Income
S$ 30,000
  • card_details

DBS Woman's World Card

DBS Woman's World Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 80,000
  • card_details

DCS CASHBACK Card

DCS CASHBACK Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

DCS Sheng Siong Card

DCS Sheng Siong Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

DBS SAFRA Card

DBS SAFRA Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 500.00
Annual Fee
Not applicable
Min. Annual Income
S$ 30,000
  • card_details

DBS Live Fresh Student Card

DBS Live Fresh Student Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
None
  • card_details

UOB Visa Infinite Metal Card

UOB Visa Infinite Metal Card
Monthly Spend Required
None
Annual Fee
S$ 654.00
Min. Annual Income
S$ 120,000
  • card_details

OCBC NXT Credit Card

OCBC NXT Credit Card

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 163.50
Min. Annual Income
S$ 30,000
  • card_details

OCBC Frank Card

OCBC Frank Card
 

/ 5

on_provider_website

Monthly Spend Required
S$ 800.00 per month
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

HSBC Visa Infinite Credit Card

HSBC Visa Infinite Credit Card
 

/ 5
Monthly Spend Required
None
Annual Fee
S$ 662.15
Min. Annual Income
S$ 120,000
  • card_details

BOC Visa Infinite Card

BOC Visa Infinite Card
Monthly Spend Required
None
Annual Fee
S$ 374.50
Min. Annual Income
S$ 120,000
  • card_details

BOC Family Card

BOC Family Card
 

/ 5
Monthly Spend Required
S$ 800.00
Annual Fee
S$ 205.20
Min. Annual Income
S$ 30,000
  • card_details

UOB Singtel-UOB Card

UOB Singtel-UOB Card
Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

HSBC Premier MasterCard® Credit Card

HSBC Premier MasterCard® Credit Card
 

/ 5
Monthly Spend Required
None
Annual Fee
Free for life
Min. Annual Income
S$ 30,000
  • card_details

UOB Preferred Platinum Visa Card

UOB Preferred Platinum Visa Card
 

/ 5
Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

American Express CapitaCard

American Express CapitaCard
 

/ 5
Monthly Spend Required
None
Annual Fee
S$ 174.40
Min. Annual Income
Conditional
  • card_details

NTUC Link Credit Card by Trust Bank

on_provider_website

Monthly Spend Required
None
Annual Fee
No Annual Fee
Min. Annual Income
S$ 30,000
  • card_details

Citi Clear Card

Citi Clear Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 0
  • card_details

UOB Lady's Card

UOB Lady's Card
 

/ 5

on_provider_website

Monthly Spend Required
None
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30,000
  • card_details

How to Choose The Best Credit Cards For You

Choosing the best credit card is vital for your finances and lifestyle. Consider your spending habits, goals, and preferences to optimise your reward. It's a crucial step towards finding the best credit cards for yourself.

  • Identify your goals: Determine your primary purpose for getting a credit card, whether it's earning miles, cashback, rewards points, obtaining travel perks, or optimising your current spending habits.
  • Compare rewards and benefits: Look for credit cards that offer rewards and perks that align with your spending habits and lifestyle in Singapore. Do also take note of the minimum spend required, if any, and any bonus cap the card might have.
  • Check annual fees and interest rates: Consider the costs associated with the credit card, including annual fees and interest rates, and ensure they are reasonable and manageable.
  • Assess sign-up bonuses and promotions: Look for attractive sign-up bonuses and ongoing promotions to boost your rewards and savings further.
  • Research customer reviews and ratings: Read reviews from other Singaporean cardholders to gauge customer satisfaction and experiences with the credit card and its provider.
  • Consider the card's acceptance: Ensure the credit card is widely accepted in Singapore and internationally, especially if you plan to use it during travel.
  • Align with lifestyle and spending habits: Choose a credit card that complements your daily expenses and activities. If you frequently dine out, consider a card that offers dining discounts or rewards on dining expenses. If you travel often, choose a card with travel rewards and benefits. A card that aligns with your lifestyle and spending patterns will help maximise your overall credit card strategy.

Visa vs Mastercard vs Amex

Regarding payment networks in Singapore, Visa, Mastercard, and American Express (Amex) are the three leading global payment networks. Understanding their differences can help you choose the best credit card for your needs. Here's a quick comparison:

Visa and Mastercard

These are Singapore's most commonly used payment networks, accepted by most online and offline merchants. Under both Visa and Mastercard networks, various credit card options are available, catering to multiple spending habits and lifestyle preferences, making them highly convenient for day-to-day transactions in the country and during overseas travel.

American Express (Amex)

While less prevalent than Visa and Mastercard, Amex still holds a significant presence in Singapore, particularly among premium cardholders. Amex cards often have exclusive benefits, such as access to luxurious airport lounges, travel perks, and concierge services, appealing to frequent travellers and those seeking elevated privileges. Although Amex is not a bank, it does issue its own credit cards like the Amex Platinum Card and Amex KrisFlyer Ascend Credit Card,

Reward Programmes for Visa, Mastercard and Amex

Each network offers its own rewards programme, providing cardholders with opportunities to earn cashback, loyalty points, or airline miles on their spending. It's essential to compare these rewards programmes and choose the one that aligns best with your spending habits and lifestyle.

Guide to Credit Cards

Learn more about annual fees, credit card charges, transaction fees, cash advances, balance transfers, and minimum payments. These fees may impact your daily spending, so be sure to learn about them to avoid paying additional fees.

Annual Fees

Annual fees are a fixed charge imposed by credit card issuers each year for card membership. They vary depending on the type of credit card and its benefits. Some cards may offer a first-year waiver or promotional offers on annual fees. In most cases, premium cards with exclusive perks often have higher annual fees. Not all credit cards have annual fees; some may be free of any annual fees. It's essential to consider the annual fee's cost relative to the card's benefits and your usage to determine if it's worth paying. Some credit card issuers offer annual fee waivers as promotional incentives for new cardholders or based on spending thresholds and good credit history for existing customers.

Other Credit Card Fees & Charges

Besides annual fees, credit cards may have additional charges that vary between issuers and card types. They are as follows:

  • Foreign Transaction Fees: Most credit cards impose a foreign transaction fee whenever you spend overseas or shop on a foreign website. Foreign Transaction Fees typically range from 2.5% to 3.25% on top of the current foreign exchange rate.
  • Cash Advance Fees: If you use your credit card to withdraw cash from an ATM, a cash advance fee will apply, often accompanied by higher interest rates. Fees range from 6% to 8% with a minimum of S$15 per transaction.
  • Balance Transfer Fees: When transferring balances from one credit card to another, a balance transfer fee may be charged, usually between 2% to 4% of the amount transferred.
  • Late Payment Fees: If you fail to make the Minimum Payment Due on or before the Payment Due Date, a Late Payment Charge of S$100 will typically be levied.
  • Overlimit Fees: If you exceed your credit card's approved credit limit, an overlimit fee of S$40 may be incurred for each billing cycle in which the overlimit status persists.
  • Returned Payment Fees: A fee between S$20 to S$30 may be charged in the event of a bounced or returned payment.
  • Finance Charges: If you carry a balance on your credit card, finance charges (interest) will be applied to the outstanding amount, varying based on the card's interest rate and the balance carried.

Understanding Credit Card Minimum Payments

  • Credit Card Minimum Payments: The minimum payment is the lowest amount you must pay on your monthly credit card bill to remain in good standing with the issuer. Do note that unpaid credit card debt may snowball out of control.
  • Calculation: It is typically a percentage of your outstanding balance (e.g. 27.9% p.a.) or a fixed amount, whichever is higher.
  • Purpose: The minimum payment ensures you meet your obligation to the card issuer and avoid late payment fees and negative impacts on your credit score with credit bureaus.
  • Risks: Paying only the minimum may lead to accumulating high-interest debt over time, extending the time required to pay off the balance, and incurring additional interest charges.
  • Best Practice: To avoid credit card debt escalation, strive to pay your credit card bill in full and on time to save on interest costs. Do note that the longer you owe the bank, the more interest you will incur.

How To Apply For A Credit Card in Singapore

Check Eligibility

Review the eligibility requirements of the chosen credit card to ensure you meet the age, income, and employment criteria if you are a foreigner.

Gather Documents

Prepare the necessary documents, including identification (e.g., NRIC/passport), income proof (e.g., payslips, tax documents), and residency proof (e.g., utility bill).

Online Application

Simply apply for your credit card through SingSaver to receive your promotion or sign-up gift. You will be directed to the bank’s online application form, where you must enter your details accurately and submit your credit card application through their website.

In-Person Application

If preferred, visit a bank branch to apply in person. Bring the required documents and complete the application with the assistance of a bank representative.

Verification

The credit card issuer will verify your information and creditworthiness. This may include checking your credit history and contacting your employer for income verification.

Approval Process

Wait for the bank's approval decision. The processing time varies, but it is usually within a few business days. Some banks provide instant credit card approval, during which time a digital card will be issued to you, which you can use once activated.

Activation of Credit Card

If approved, you will receive your credit card by mail. Activate the card as per the issuer's instructions before using it.

Credit Card Eligibility

  • Age Requirement: Generally, the minimum age for credit card applicants in Singapore is 21 years old.
  • Income Criteria: Most credit card applications require a minimum annual income, which varies depending on the card type. Common income thresholds in Singapore are between S$30,000 to S$80,000 for basic cards and higher (S$120,000) for premium or exclusive cards.
  • Employment Status: Credit card issuers typically require applicants to be employed with a stable source of income. Some issuers may accept applications from self-employed individuals or freelancers with proof of income.
  • Credit History: A good credit history is crucial for credit card approval. Lenders assess an applicant's creditworthiness based on their credit score and credit report, considering factors like previous loan repayments and credit card usage.
  • Debt-to-Income Ratio: Lenders may also evaluate an applicant's debt-to-income ratio to ensure they have sufficient income to manage potential credit card debt.
  • Citizenship/Residency: Applicants must be Singaporean citizens, permanent residents, or holders of a valid work permit or employment pass.
  • Financial Obligations: When assessing creditworthiness, credit card issuers may consider an applicant's existing financial obligations, such as outstanding loans or other credit card balances.

Frequently asked questions

  • What are the most important factors to consider when choosing a credit card?

    When picking a credit card, look at annual fees and waivers, rewards programmes, cashback rates, and interest rates. Think about how these match your spending and financial goals. This will help you find the right card for you.

  • What are the best cashback credit cards in Singapore?

    The DBS Live Fresh Card, OCBC 365 Credit Card, and Citi Cash Back+ Card are top choices in Singapore. They offer great cashback rates and special deals to boost your earnings.

  • How can I earn miles and travel rewards with a credit card?

    Choose cards linked to airlines or hotels, like the Singapore Airlines KrisFlyer Credit Card or the Maybank Horizon Visa Signature Card. These cards let you earn miles or points for flights, hotels, and travel perks like lounge access and insurance.

  • What are the benefits of premium credit cards?

    Premium cards like the American Express Platinum Card and UOB Reserve VI Card offer special perks. These include concierge services, lounge access, and free hotel stays. But, they have higher fees and income needs.

  • How can I take advantage of credit card promotions and offers?

    Many credit card companies in Singapore have sign-up bonuses and special deals. Keep an eye on these offers and apply for new cards when they're good deals. Just remember to meet spending needs and use credit wisely.

  • How can I maximise my credit card benefits in Singapore?

    To get the most from your credit cards, use several cards for different rewards. Aim to hit spending targets to get sign-up bonuses. And always pay on time and keep your credit use low to manage your credit well.

  • What are some popular Singapore-specific rewards offered by credit cards?

    Many credit cards in Singapore offer rewards tailored to local preferences. These can include cashback on dining at hawker centres, bonus points for shopping during the Great Singapore Sale, or miles for booking staycations at popular hotels like Marina Bay Sands or Changi Jewel.

  • Are there any credit cards that offer special benefits for public transport in Singapore?

    Yes, some credit cards offer rebates or cashback on public transport expenses. These can include MRT rides, bus fares, and even Grab or taxi rides. Cards like the OCBC FRANK Card and UOB EVOL Card often have such benefits.

  • Can I use my Singapore credit card to earn rewards when travelling overseas?

    Absolutely! Many Singapore credit cards offer enhanced rewards for overseas spending. Some cards even waive foreign transaction fees. Just be sure to inform your bank before you travel to ensure your card isn't blocked for security reasons.

  • Are there any credit cards in Singapore that cater specifically to foodies?

    Indeed! Singapore's food culture is reflected in its credit card offerings. Many cards offer enhanced cashback or points for dining out, whether it's at high-end restaurants or local hawker centres. Some even partner with food delivery services for additional rewards on takeaway orders.

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