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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.

Search by Rewards types

No Minimum Spend Required All Rewards Cards

Maybank Manchester United Platinum Visa Credit Card

Rewards Points Baseline

Up to 25 TREATS Points per S$5 spent

info

When Manchester United wins a Premier League Match, otherwise earn 5 TREATS Points per S$5 spent.

Cashback Base Rate

Up to 3 %

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Unlimited cashback with no minimum spend when Manchester United Wins a Premier Leage Match, otherwise earn 1% unlimited cashback. Bonus cashback capped at S$20 per match day win.

Annual Fee

S$ 87.2

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First 2 Years Waived, thereafter can be waived if min spend of $3.6K is met per annum

Things to consider for this product:

check

Local spending rebate

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No monthly spend required

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No rebate cap

check

Travel insurance

Maybank FC Barcelona Visa Signature Card

Rewards Points Baseline

10 TREATS Points per S$5

info

For foreign currency spend only.

Cashback Base Rate

1.6 %

info

Unlimited cashback

Annual Fee

S$ 130.8

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First 2 Years Waived, thereafter can be waived if min spend of $10K is hit per annum

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

Rewards Points Baseline

5 TREATS Points per S$5 spent

Cashback Base Rate

0.27 %

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(Indirect cashback) S$1 = 1 TREATS Point 18,500 TREATS Point = S$50 cash credit, equivalent to 0.27% cashback.

Annual Fee

S$ 261.6

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First Year Waived

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

Maybank DUO Platinum Mastercard

Rewards Points Baseline

5 TREATS Points per S$5 spent

info

Excluding petrol transactions

Cashback Base Rate

0.27 %

info

(Indirect cashback) S$5 = 5 TREATS Points 18,500 points = S$50 cash credit, equivalent to 0.27% cashback.

Annual Fee

S$ 130.8

info

First Three Years Waived

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

American Express Platinum Card

Rewards Points Baseline

2 points per dollar

info

Base rate

Cashback Base Rate

0.6 %

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(Indirect Cashback) S$1.60 spend = 2 Membership Rewards points. 1,000 points redeemed = S$4.80 cash credit (Pay With Points), equivalent to 0.6% cashback.

Annual Fee

S$ 1,744

Offer Available

Welcome Offer

160,000 Membership Rewards® points

Valid until

28 May 2025

Things to consider for this product:

check

Bonus air miles

check

Dining savings

check

Airport lounge

remove

Annual Fee required

Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion credits.
Indulge In Fine Hotels + Resorts Benefits Worth S$800.
Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges.
Gain instant status to higher tiers of leading hotel loyalty programs.
Complimentary Access into Tower Club.
Membership Rewards Points never expire.
Up to 50% savings at premium dining locations with Love Dining by Platinum.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.

American Express Platinum Credit Card

Rewards Points Baseline

2 points per dollar

info

Base rate

Cashback Base Rate

0.6 %

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(Indirect Cashback) S$1.60 spend = 2 Membership Rewards points. 1,000 points redeemed = S$4.80 cash credit (Pay With Points), equivalent to 0.6% cashback.

Annual Fee

S$ 327

Offer Available

Welcome Offer

S$200 Statement Credits + 1,250 Membership Rewards® points

Valid until

28 May 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

Rewards Points Baseline

1.6 points per dollar

info

Base rate

Cashback Base Rate

0.5 %

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S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.

Annual Fee

No Annual Fee

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Waived Perpetually

3 Offers Available

SingSaver March Madness Spin to Win

1x March Madness Spin to Win Chance

Valid until

31 March 2025

Highest Cash Reward

S$200 Cash via PayNow

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

S$250 Shopee voucher

Valid until

31 March 2025

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Gift Options

1x March Madness Spin to Win Chance

Gift Options

S$200 Cash via PayNow

Gift Options

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659) ; or
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249) ; or
S$250 Shopee voucher

Fastest Cash Fulfillment

(Loyalty Rewards) Standard Chartered Smart Credit Card

Rewards Points Baseline

1.6 points per dollar

info

Base rate

Cashback Base Rate

0.5 %

info

S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.

Annual Fee

No Annual Fee

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Waived Perpetually

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Citi Rewards Card

Rewards Points Baseline

1 point per dollar

Annual Fee

S$ 196.2

info

First Year Waived

4 Offers Available

SingSaver March Madness Spin to Win

1x March Madness Spin to Win Chance

Valid until

31 March 2025

Highest Cash Reward; 4 Weeks Fulfilment

S$370 Cash via PayNow

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Sony ZV-1F Vlog Camera (worth S$769)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

2x Hinomi Q1 Ergonomic Office Chairs (worth S$998)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

S$420 Shopee Vouchers

Valid until

31 March 2025

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

Valid until

31 March 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points for all online purchases except mobile wallet and travel-related transactions.
10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
1X rewards points on all other purchases.
Pair with amaze card to turn offline transactions into online transactions.
No cap on base rewards points.
Rewards points conversion rate: 440 Points = S$1
Rewards points are rounded down to the nearest 10 points on all purchases.
Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
Read our full review of the Citi Rewards Card
Bonus rewards points capped at 9,000 points per statement month

Gift Options

1x March Madness Spin to Win Chance

Gift Options

S$370 Cash via PayNow

Gift Options

Dyson Supersonic™ hair dryer (worth S$649); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Sony ZV-1F Vlog Camera (worth S$769); or
2x Hinomi Q1 Ergonomic Office Chairs (worth S$998); or
S$420 Shopee Vouchers

Gift Options

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

DBS Woman's Card

Rewards Points Baseline

1 DBS Point per S$5

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Or 0.4 miles per dollar per S$1.

Cashback Base Rate

0.17 %

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S$5 spend = 1 point. 1200 points = S$10 cash credit, equivalent to 0.17% cashback.

Annual Fee

S$ 163.5

info

First Year Waived

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

DBS Woman's World Card

Rewards Points Baseline

1 DBS Point per S$5

info

1X DBS Points per S$5

Cashback Base Rate

0.17 %

info

S$5 spend = 1 point. 1200 points = S$10 cash credit, equivalent to 0.17% cashback.

Annual Fee

S$ 196.2

info

First Year Waived

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

Rewards Points Baseline

1 point per dollar

info

Base rate

Cashback Base Rate

0.25 %

info

Based on conversion rate of 40,350 points = $100.

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

SingSaver March Madness Spin to Win

1x March Madness Spin to Win Chance

Valid until

31 March 2025

Highest Cash Reward

S$200 Cash via PayNow

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)

Valid until

31 March 2025

Richest Offer in the Market; Exclusively on SingSaver

S$250 Shopee voucher

Valid until

31 March 2025

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

Gift Options

1x March Madness Spin to Win Chance

Gift Options

S$200 Cash via PayNow

Gift Options

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659) ; or
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249) ; or
S$250 Shopee voucher

UOB Lady's Solitaire Card

Rewards Points Baseline

UNI$ 1

Cashback Base Rate

0.2 %

info

(Indirect Cashback) S$5 local spend = UNI$1 point on all other spend. 2000 points redeemed = S$20 Cash Credit. Equivalent to 0.2% cashback.

Annual Fee

S$ 414.2

info

First Year Waived

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

Rewards Points Baseline

1 point per dollar

info

Base rate

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

4 Offers Available

SingSaver March Madness Spin to Win

1x March Madness Spin to Win Chance

Valid until

31 March 2025

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

+ 1 other gift options

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

S$450 Upsized Cash via PayNow

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson AM07 Tower Fan (worth S$449)

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)

Valid until

31 March 2025

Live Your Adventure: Sure-Win Spin

Stand to win a business class ticket to London, S$200 GrabGifts Vouchers and more exciting rewards!

Valid until

13 April 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

Gift Options

1x March Madness Spin to Win Chance

Gift Options

Save S$514 on a Sony PlayStation® 5 Digital Edition (Slim) (worth S$669) with a top up; or
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

Gift Options

S$450 Upsized Cash via PayNow; or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson Supersonic™ hair dryer (worth S$649); or
Dyson AM07 Tower Fan (worth S$449); or
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)

Gift Options

Stand to win a business class ticket to London, S$200 GrabGifts Vouchers and more exciting rewards!

OCBC Rewards Credit Card

Rewards Points Baseline

1 OCBC$ per dollar

info

Base rate

Cashback Base Rate

0.28 %

info

S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

Annual Fee

S$ 196.2

info

First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

2 Offers Available

SingSaver March Madness Spin to Win

1x March Madness Spin to Win Chance

Valid until

31 March 2025

SingSaver Exclusive Offer

Apple AirPods 4th Gen (worth S$199)

Valid until

31 March 2025

SingSaver Exclusive Offer

Stryv Color+ hair dryer (worth S$129)

Valid until

31 March 2025

SingSaver Exclusive Offer

S$170 Shopee Voucher

Valid until

31 March 2025

SingSaver Exclusive Offer

S$150 Cash via PayNow

Valid until

31 March 2025

Things to consider for this product:

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

check

No monthly spend required

Gift Options

1x March Madness Spin to Win Chance

Gift Options

Apple AirPods 4th Gen (worth S$199); or
Stryv Color+ hair dryer (worth S$129); or
S$170 Shopee Voucher; or
S$150 Cash via PayNow

HSBC Visa Platinum Credit Card

Rewards Points Baseline

1 point per dollar

Cashback Base Rate

5 %

Annual Fee

S$ 196.2

info

First Two Years Waived

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

Petrol rebate

remove

Rebate cap applied

UOB Lady's Card

Rewards Points Baseline

UNI$ 1

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Local & Overseas spending rewards

check

Installment

check

No monthly spend required

remove

Monthly rewards cap applies.

Maybank Business Platinum Mastercard

Rewards Points Baseline

1 TREATS Points per S$1 spent

Cashback Base Rate

0.29 %

info

S$1 = 1 TREATS Point. 2,900 TREATS Points = $10 cash credit, equivalent to 0.29% cashback.

Annual Fee

S$ 181.67

info

First Two Years Waived

Things to consider for this product:

check

Travel insurance

check

Annual Fee waiver

check

Installment

check

No monthly spend required

(Creatory Exclusive) HSBC Revolution Credit Card

Rewards Points Baseline

1 point per dollar

info

Base rate

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

(Creatory Exclusive) Citi Rewards Card

Rewards Points Baseline

1 point per dollar

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points for all online purchases except mobile wallet and travel-related transactions.
10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
1X rewards points on all other purchases.
Pair with amaze card to turn offline transactions into online transactions.
No cap on base rewards points.
Rewards points conversion rate: 440 Points = S$1
Rewards points are rounded down to the nearest 10 points on all purchases.
Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
Read our full review of the Citi Rewards Card
Bonus rewards points capped at 9,000 points per statement month

Fastest Cash Fulfillment

(Loyalty Rewards) Standard Chartered Rewards+ Credit Card

Rewards Points Baseline

1 point per dollar

info

Base rate

Cashback Base Rate

0.25 %

info

Based on conversion rate of 40,350 points = $100.

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

(Fast Fulfillment Rewards) HSBC Revolution Credit Card

Rewards Points Baseline

1 point per dollar

info

Base rate

Cashback Base Rate

0.25 %

info

S$1 local spend = 1X rewards points. 4,000 points redeemed = S$10 cashback. Equivalent to 0.25% cashback. No min. spend required.

Annual Fee

No Annual Fee

Offer Available

SingSaver Fast Fulfillment Offer

S$400 Lazada Vouchers

Valid until

31 March 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

(Fast Fulfillment Rewards) Citi Rewards Card

Rewards Points Baseline

1 point per dollar

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Fast Fulfillment Offer

S$370 Lazada Vouchers

Valid until

31 March 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points for all online purchases except mobile wallet and travel-related transactions.
10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
1X rewards points on all other purchases.
Pair with amaze card to turn offline transactions into online transactions.
No cap on base rewards points.
Rewards points conversion rate: 440 Points = S$1
Rewards points are rounded down to the nearest 10 points on all purchases.
Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
Read our full review of the Citi Rewards Card
Bonus rewards points capped at 9,000 points per statement month

HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend.

Annual Fee

S$ 196.2

info

First Year Waived

4 Offers Available

SingSaver March Madness Spin to Win

1x March Madness Spin to Win Chance

Valid until

31 March 2025

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

+ 1 other gift options

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

S$450 Upsized Cash via PayNow

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Sony ZV-1F Vlog Camera (worth S$769)

Valid until

31 March 2025

Richest Offer in the Market, Exclusively on SingSaver

2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)

Valid until

31 March 2025

Live Your Adventure: Sure-Win Spin

Stand to win a business class ticket to London, S$200 GrabGifts Vouchers and more exciting rewards!

Valid until

13 April 2025

Things to consider for this product:

check

Dining rebate

check

Entertainment rebate

check

Petrol rebate

remove

Rebate cap applied

Gift Options

1x March Madness Spin to Win Chance

Gift Options

Save S$514 on a Sony PlayStation® 5 Digital Edition (Slim) (worth S$669) with a top up; or
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

Gift Options

S$450 Upsized Cash via PayNow; or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson Supersonic™ hair dryer (worth S$649); or
Sony ZV-1F Vlog Camera (worth S$769); or
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)

Gift Options

Stand to win a business class ticket to London, S$200 GrabGifts Vouchers and more exciting rewards!

(Creatory Exclusive) HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

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On all qualifying spend.

Annual Fee

S$ 196.2

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First Year Waived

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Dining rebate

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Entertainment rebate

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Petrol rebate

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Rebate cap applied

(Fast Fulfillment Rewards) HSBC Live+ Credit Card

Cashback Base Rate

0.3 %

info

On all qualifying spend.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Fast Fulfillment Offer

S$400 Lazada Vouchers

Valid until

31 March 2025

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Dining rebate

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Entertainment rebate

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Petrol rebate

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Rebate cap applied

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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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.

Best Rewards Credit Cards With No Minimum Spend in Singapore 2024

Maybank Manchester United Platinum Visa Credit Card

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Maybank FC Barcelona Visa Signature Card

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Maybank World Mastercard

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Maybank DUO Platinum Mastercard

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American Express Platinum Card

Offer Available

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American Express Platinum Credit Card

Offer Available

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Quick Facts

Standard Chartered Smart Credit Card

3 Offers Available

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Quick Facts

(Loyalty Rewards) Standard Chartered Smart Credit Card

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Quick Facts

Citi Rewards Card

4 Offers Available

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Quick Facts

DBS Woman's Card

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DBS Woman's World Card

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Quick Facts

Standard Chartered Rewards+ Credit Card

3 Offers Available

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Quick Facts

UOB Lady's Solitaire Card

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Quick Facts

HSBC Revolution Credit Card

4 Offers Available

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Quick Facts

OCBC Rewards Credit Card

2 Offers Available

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Quick Facts

HSBC Visa Platinum Credit Card

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Quick Facts

UOB Lady's Card

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Quick Facts

Maybank Business Platinum Mastercard

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Quick Facts

(Creatory Exclusive) HSBC Revolution Credit Card

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Quick Facts

(Creatory Exclusive) Citi Rewards Card

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(Loyalty Rewards) Standard Chartered Rewards+ Credit Card

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Quick Facts

(Fast Fulfillment Rewards) HSBC Revolution Credit Card

Offer Available

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Quick Facts

(Fast Fulfillment Rewards) Citi Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

HSBC Live+ Credit Card