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Best Rewards Credit Cards With No Minimum Spend in Singapore 2024

In Singapore, the top Rewards Credit Cards with No Minimum Spend offer effortless rewards accumulation without spending thresholds. These cards are versatile, catering to varying spending patterns and providing consistent benefits. With diverse redemption options and value from everyday expenses, they suit frequent spenders and those seeking efficient rewards.

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No Minimum Spend Required All Rewards Cards
See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
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8x Nintendo Switch OLED
(each worth $549)
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8x Playstation®5 consoles
(each worth $799)

 

Maybank Manchester United Platinum Visa Credit Card

Maybank Manchester United Platinum Visa Credit Card

Rewards Points Baseline
Up to 25  TREATS Points per S$5 spent
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Cashback Base Rate
Up to 3  %
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Annual Fee
S$ 87.2
info

Things to consider for this product:

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Local spending rebate

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No monthly spend required

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No rebate cap

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Travel insurance

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

Rewards Points Baseline
10  TREATS Points per S$5
info
Cashback Base Rate
1.6  %
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Annual Fee
S$ 130.8
info

Things to consider for this product:

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Annual Fee waiver

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No monthly spend required

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No rebate cap

check

Overseas rebate

Maybank World Mastercard

Maybank World Mastercard

Rewards Points Baseline
5  TREATS Points per S$5 spent
Cashback Base Rate
0.27  %
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Annual Fee
S$ 261.6
info

Things to consider for this product:

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Dining rebate

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Retail rebate

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Petrol rebate

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Airport lounge

Maybank DUO Platinum Mastercard

Maybank DUO Platinum Mastercard

Rewards Points Baseline
5  TREATS Points per S$5 spent
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Cashback Base Rate
0.27  %
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Annual Fee
S$ 130.8
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Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

American Express Platinum Card

American Express Platinum Card

Rewards Points Baseline
2  points per dollar
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Cashback Base Rate
0.6  %
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Annual Fee
S$ 1,744

Offer Available

Welcome Offer
S$800 Statement Credits + Samsonite Choca Spinner 68/25 (worth S$700) + 10,000 Membership Rewards® Points
S$800 Statement Credits + Samsonite Choca Spinner 68/25 (worth S$700) + 10,000 Membership Rewards® Points

Valid until

15 January 2025

Things to consider for this product:

check

Bonus air miles

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Dining savings

check

Airport lounge

remove

Annual Fee required

American Express Platinum Credit Card

American Express Platinum Credit Card

Rewards Points Baseline
2  points per dollar
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Cashback Base Rate
0.6  %
info
Annual Fee
S$ 327

Offer Available

Welcome Offer
Up to S$300 Statement Credits + 1,250 Membership Rewards® points
Up to S$300 Statement Credits + 1,250 Membership Rewards® points

Valid until

15 January 2025

Things to consider for this product:

check

Unlimited air miles

check

Dining savings

remove

Annual Fee required

Fastest Cash Fulfillment
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Rewards Points Baseline
1.6  points per dollar
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Cashback Base Rate
0.5  %
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Annual Fee
No Annual Fee
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5 Offers Available

SingSaver Cash Quest Giveaway
Get 10x chances to win S$50,000 Cash!
Get 10x chances to win S$50,000 Cash!

Valid until

22 December 2024

Highest Cash Reward; 4 Weeks Fulfilment
S$240 Cash via PayNow
S$240 Cash via PayNow

Valid until

08 December 2024

Richest Offer in the Market; Exclusively on SingSaver
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)

Valid until

08 December 2024

Richest Offer in the Market; Exclusively on SingSaver
S$280 Lazada Vouchers
S$280 Lazada Vouchers

Valid until

08 December 2024

Richest Offer in the Market; Exclusively on SingSaver
Flujo BEA Office Chair (worth S$549)
Flujo BEA Office Chair (worth S$549)

Valid until

08 December 2024

Upgrade Your Rewards with a Simple Top-Up
Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up
Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up

+ 1 other gift options

Valid until

08 December 2024

SC Million Reasons to be Happier Promotion
Porsche Taycan Electric
Porsche Taycan Electric

Valid until

28 February 2025

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Fastest Rewards Fulfilment
Citi Rewards Card

Citi Rewards Card

Rewards Points Baseline
1  point per dollar
Annual Fee
S$ 196.2
info

4 Offers Available

SingSaver Cash Quest Giveaway
Get 10x chances to win S$50,000 Cash!
Get 10x chances to win S$50,000 Cash!

Valid until

22 December 2024

Highest Cash Reward; 4 Weeks Fulfilment
S$320 Cash via PayNow
S$320 Cash via PayNow

Valid until

09 December 2024

Richest Offer in the Market; Exclusively on SingSaver
Apple iPad 10th Gen WiFi 64GB (worth S$499)
Apple iPad 10th Gen WiFi 64GB (worth S$499)

Valid until

09 December 2024

Richest Offer in the Market; Exclusively on SingSaver
Hinomi H1 Classic V3 Ergonomic Office Chair with Headrest (worth S$659)
Hinomi H1 Classic V3 Ergonomic Office Chair with Headrest (worth S$659)

Valid until

09 December 2024

Richest Offer in the Market; Exclusively on SingSaver
Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$408)
Apple Bundle: AirPods Pro Gen 2 + MagSafe Charger (worth S$408)

Valid until

09 December 2024

Richest Offer in the Market; Exclusively on SingSaver
50,000 yuu Points (worth S$500 when you redeem yuu SuperDupers or 13,888 miles)
50,000 yuu Points (worth S$500 when you redeem yuu SuperDupers or 13,888 miles)

Valid until

09 December 2024

Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

+ 3 other gift options

Valid until

09 December 2024

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

DBS Woman's Card

DBS Woman's Card

Rewards Points Baseline
1  DBS Point per S$5
info
Cashback Base Rate
0.17  %
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Annual Fee
S$ 163.5
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Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

DBS Woman's World Card

DBS Woman's World Card

Rewards Points Baseline
1  DBS Point per S$5
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Cashback Base Rate
0.17  %
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Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

Fastest Cash Fulfillment
Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

Rewards Points Baseline
1  point per dollar
info
Cashback Base Rate
0.25  %
info
Annual Fee
S$ 196.2
info

5 Offers Available

SingSaver Cash Quest Giveaway
Get 10x chances to win S$50,000 Cash!
Get 10x chances to win S$50,000 Cash!

Valid until

22 December 2024

Highest Cash Reward; 4 Weeks Fulfilment
S$240 Cash via PayNow
S$240 Cash via PayNow

Valid until

08 December 2024

Richest Offer in the Market; Exclusively on SingSaver
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)

Valid until

08 December 2024

Richest Offer in the Market; Exclusively on SingSaver
S$280 Lazada Vouchers
S$280 Lazada Vouchers

Valid until

08 December 2024

Richest Offer in the Market; Exclusively on SingSaver
Flujo BEA Office Chair (worth S$549)
Flujo BEA Office Chair (worth S$549)

Valid until

08 December 2024

Upgrade Your Rewards with a Simple Top-Up
Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up
Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up

+ 1 other gift options

Valid until

08 December 2024

SC Million Reasons to be Happier Promotion
Porsche Taycan Electric
Porsche Taycan Electric

Valid until

28 February 2025

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

UOB Lady's Solitaire Card

UOB Lady's Solitaire Card

Rewards Points Baseline
UNI$ 1
Cashback Base Rate
0.2  %
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Annual Fee
S$ 414.2
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Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

HSBC Revolution Credit Card

HSBC Revolution Credit Card

Rewards Points Baseline
1  point per dollar
info
Cashback Base Rate
0.25  %
info
Annual Fee
No Annual Fee

Offer Available

Richest Offer in the Market, Exclusively on SingSaver
Apple Watch SE 2nd Gen GPS 44mm (worth S$389)
Apple Watch SE 2nd Gen GPS 44mm (worth S$389)

Valid until

02 January 2025

Richest Offer in the Market, Exclusively on SingSaver
Apple AirPods Gen 4 with ANC + 4x AirTag bundle (worth S$398)
Apple AirPods Gen 4 with ANC + 4x AirTag bundle (worth S$398)

Valid until

02 January 2025

Richest Offer in the Market, Exclusively on SingSaver
Dyson Micro 1.5kg (worth S$599)
Dyson Micro 1.5kg (worth S$599)

Valid until

02 January 2025

Richest Offer in the Market, Exclusively on SingSaver
17,000 Max Miles
17,000 Max Miles

Valid until

02 January 2025

Richest Offer in the Market, Exclusively on SingSaver
S$199 Cash via PayNow
S$199 Cash via PayNow

Valid until

02 January 2025

Things to consider for this product:

check

Mobile contactless rebate

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

OCBC Rewards Credit Card

OCBC Rewards Credit Card

Rewards Points Baseline
1  OCBC$ per dollar
info
Cashback Base Rate
0.28  %
info
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

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No monthly spend required

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

Rewards Points Baseline
1  point per dollar
Cashback Base Rate
5  %
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

Petrol rebate

remove

Rebate cap applied

UOB Lady's Card

UOB Lady's Card

Rewards Points Baseline
UNI$ 1
Cashback Base Rate
0.2  %
info
Annual Fee
S$ 196.2
info

Offer Available

SingSaver Cash Quest Giveaway
Get 10x chances to win S$50,000 Cash!
Get 10x chances to win S$50,000 Cash!

Valid until

22 December 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

Maybank Business Platinum Mastercard

Maybank Business Platinum Mastercard

Rewards Points Baseline
1  TREATS Points per S$1 spent
Cashback Base Rate
0.29  %
info
Annual Fee
S$ 181.67
info

Things to consider for this product:

check

Travel insurance

check

Annual Fee waiver

check

Installment

check

No monthly spend required

HSBC Live+ Credit Card

HSBC Live+ Credit Card

Cashback Base Rate
0.3  %
info
Annual Fee
S$ 196.2
info

Offer Available

Richest Offer in the Market, Exclusively on SingSaver
Apple Watch SE 2nd Gen GPS 44mm (worth S$389)
Apple Watch SE 2nd Gen GPS 44mm (worth S$389)

Valid until

02 January 2025

Richest Offer in the Market, Exclusively on SingSaver
Apple AirPods Gen 4 with ANC + 4x AirTag bundle (worth S$398)
Apple AirPods Gen 4 with ANC + 4x AirTag bundle (worth S$398)

Valid until

02 January 2025

Richest Offer in the Market, Exclusively on SingSaver
Dyson Micro 1.5kg (worth S$599)
Dyson Micro 1.5kg (worth S$599)

Valid until

02 January 2025

Richest Offer in the Market, Exclusively on SingSaver
Flujo SmarTrax Standing Desk (worth S$739)
Flujo SmarTrax Standing Desk (worth S$739)

Valid until

02 January 2025

Richest Offer in the Market, Exclusively on SingSaver
S$199 Cash via PayNow
S$199 Cash via PayNow

Valid until

02 January 2025

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

How does a Rewards Credit Card With No Minimum Spend work?

A Rewards Credit Card with No Minimum Spend allows you to earn rewards points for each purchase, up to a certain spend or bonus point threshold. Thereafter, these points can be redeemed for various other forms of rebates like miles or cashback. If not, they can also be redeemed directly for gifts (e.g. shopping vouchers) or experiences (e.g. travel deals). 

 

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How to best use a Rewards Credit Card With No Minimum Spend

To make the most of a rewards credit card with no minimum spend requirement, follow these strategies:

 

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Who should use a Rewards Credit Card With No Minimum Spend?

A Rewards Credit Card with No Minimum Spend is an excellent choice for a variety of individuals, depending on their spending habits, financial goals, and preferences. This type of card is particularly well-suited for these types of users:

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Things to look out for when choosing a Rewards Credit Card With No Minimum Spend

When selecting a rewards credit card with no minimum spend requirement, consider these factors to ensure you're making a well-informed choice:

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Frequently asked questions for Rewards Credit Cards With No Minimum Spend

Do all rewards credit cards come with no minimum spend?

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No, not all rewards credit cards in Singapore have no minimum spend requirements. Some cards may require reaching a specific spending threshold to earn rewards, while others offer rewards on every eligible transaction regardless of spending. For the latter, this typically refers to the base rewards points earned on all other regular spend that’s outside of the bonus categories.

In any case, always review your credit card terms thoroughly to understand how rewards are earned and if minimum spend is required.

What happens if you don’t hit the minimum spend on a rewards credit card?

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Not hitting the minimum spend on a rewards credit card in Singapore could mean missing bonus rewards or sign-up offers tied to that requirement. However, you'll still earn standard rewards or cashback based on the card's regular earning rate for eligible transactions outside of bonus categories. While no penalties apply, you might not qualify for certain promotions requiring specific spending criteria. 

Consider cards with flexible rewards structures if meeting minimum spending becomes difficult.

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