Best Rewards Credit Card in Singapore 2024

Rewards credit cards offer exciting perks to Singaporean cardholders and allow you to earn benefits as you spend, making them popular choices.

Rewards credit cards give you points, miles, or cashback on your purchases. Every time you swipe, tap, or use your card online, you're earning something back.

When you compare credit cards for their rewards, you'll find three main types:

• Points: Collect these and redeem for gifts, vouchers, or travel

• Miles: Perfect for jet-setters, these miles credit cards can be used to earn miles for flights or upgrades on Singapore Airlines or other carriers

• Cashback: Get a percentage of your spend back in cash

Each type suits different lifestyles, so choose the best credit card or credit card combinations for the most rewards points that matches your spending habits.

Singaporeans are keen on maximising value, and rewards cards fit the bill perfectly. They offer a way to earn while spending on necessities and luxuries alike. Plus, with Singapore's vibrant dining and shopping scene, these cards provide extra incentives to enjoy the city's offerings, from the latest restaurant at Marina Bay Sands to the shopping deals at Changi Jewel.

By choosing the right rewards card, you can turn your regular spending into valuable perks, making every transaction count towards your financial goals or lifestyle preferences.

When comparing rewards credit cards in Singapore, it's crucial to focus on key features that maximise your benefits. The best credit card rewards programmes offer a mix of perks tailored to your lifestyle and spending habits.

Your top priority should be Earn Rates. Look for cards that offer high points or miles for your most frequent purchases, and there may be tiered rewards, as well as extra points for specific categories like dining or travel.

Redemption options matter too. The most versatile cards allow you to convert points into cash, miles, or merchandise, and give you flexibility in how you use your rewards is essential for getting the best value.

As for annual fees,while some premium cards charge higher fees, they often offer valuable perks that can offset the cost. Many cards waive the first year's fee, giving you time to assess the card's value.

Lastly, don't overlook additional perks! There are many other benefits that come along with owning a rewards card, some of which include airport lounge access, travel insurance, or dining privileges can significantly enhance your rewards credit card experience in Singapore.

Looking for the best credit card for points or credit card rewards in Singapore? We've got you covered with our top picks for 2024. These cards offer fantastic benefits tailored to different lifestyles and spending habits.

This card shines for daily purchases. You'll earn 1.2 miles per S$1 spent locally and 2 miles per S$1 overseas. It's perfect if you're building up travel miles through your regular shopping, whether it's for groceries at NTUC FairPrice or your daily kopi-c at the local kopitiam.

Frequent flyers, rejoice! Earn 1.2 miles per S$1 on local spend and 2 miles per S$1 overseas. Plus, enjoy complimentary travel insurance and airport lounge access. It's a great companion for those weekend getaways or your annual family vacation.

This versatile card offers 1.2 miles per S$1 spent locally and 2.1 miles per S$1 overseas. With no minimum spend and no cap on miles earned, it's an excellent choice for those seeking flexibility in their rewards programme.

The UOB Lady's Card stands out with its unique proposition of offering customizable rewards categories, allowing cardholders to earn 10X UNI$ (equivalent to 4 miles per S$1 spent) on a chosen category each quarter. This feature is perfect for those who have specific spending habits, such as dining, fashion, or beauty, and want to earn accelerated rewards in those areas. Additionally, the card offers attractive privileges and perks tailored to women, including exclusive invites to fashion and beauty events, making it a lifestyle-centric card that combines luxury with practical rewards.

On the other hand, the UOB Preferred Platinum Card is renowned for its versatility and high rewards rate on digital and contactless payments. Cardholders can earn 10X UNI$ (or 4 miles per S$1 spent) on all Visa PayWave, mobile contactless payments, and online transactions, making it ideal for those who frequently shop online or prefer cashless payments. This card is particularly advantageous for tech-savvy users who embrace digital payments, as it maximizes rewards on everyday purchases. With no annual fee for the first three years and a comprehensive rewards program, the UOB Preferred Platinum Card offers both convenience and value, making it a top choice for anyone looking to get the most out of their spending.

Foodies will love this card. Earn up to 4.4 miles per S$1 on dining and entertainment transactions. It's a great way to rack up rewards while enjoying Singapore's vibrant food scene, from hawker centres to high-end restaurants at Marina Bay Sands.

Choose the card that best fits your lifestyle to maximise your credit card rewards. Remember to compare annual fees and other terms before applying.

Getting the best credit card rewards in Singapore is an art form. To boost your rewards, plan your spending wisely. Use your card for big purchases and daily expenses. This way, you'll rack up points faster and enjoy more perks.

Smart redemption is key to maximising credit card rewards. Keep an eye out for special credit card promotions or deals.  and time your redemptions to get the most value for your points.

Consider using multiple cards to optimise your rewards. Different cards excel in various spending categories. By matching your expenses to the right card, you can earn more rewards across all your purchases. Just remember to track your spending and pay off balances in full each month.

Lastly, stay informed about your card's rewards programme. Read the fine print and keep up with any changes. This knowledge will help you make the most of your credit card rewards and enjoy the full benefits of your chosen card.