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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)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
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$5 spent
info
Cashback Base Rate
Up to 3  %
info
Annual Fee
S$ 87.2
info

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Travel insurance

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

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

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

Maybank World Mastercard

Maybank World Mastercard

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

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

Maybank DUO Platinum Mastercard

Maybank DUO Platinum Mastercard

Rewards Points Baseline
5  TREATS Points per S$5 spent
info
Cashback Base Rate
0.27  %
info
Annual Fee
S$ 130.8
info

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
info
Cashback Base Rate
0.6  %
info
Annual Fee
S$ 1,744

Offer Available

Welcome Offer
160,000 Membership Rewards® points
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

American Express Platinum Credit Card

American Express Platinum Credit Card

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

Offer Available

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

Standard Chartered Smart Credit Card

Rewards Points Baseline
1.6  points per dollar
info
Cashback Base Rate
0.5  %
info
Annual Fee
No Annual Fee
info

4 Offers Available

Highest Cash Reward
S$200 Cash via PayNow
S$200 Cash via PayNow

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Valid until

02 March 2025

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

Citi Rewards Card

Citi Rewards Card

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

3 Offers Available

Highest Cash Reward; 4 Weeks Fulfilment
S$370 Cash via PayNow
S$370 Cash via PayNow

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
2x Hinomi Q1 Ergonomic Office Chairs (worth S$998)
2x Hinomi Q1 Ergonomic Office Chairs (worth S$998)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

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

02 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
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

02 March 2025

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$5
info
Cashback Base Rate
0.17  %
info
Annual Fee
S$ 163.5
info

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$5
info
Cashback Base Rate
0.17  %
info
Annual Fee
S$ 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

4 Offers Available

Highest Cash Reward
S$200 Cash via PayNow
S$200 Cash via PayNow

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Valid until

02 March 2025

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  %
info
Annual Fee
S$ 414.2
info

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

3 Offers Available

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

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
S$199 Cash via PayNow + S$251 Lazada Vouchers
S$199 Cash via PayNow + S$251 Lazada Vouchers

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
Apple Watch SE + Stryv Pro Styler bundle (worth S$518)
Apple Watch SE + Stryv Pro Styler bundle (worth S$518)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
Dyson AM07 Tower Fan (worth S$459)
Dyson AM07 Tower Fan (worth S$459)

Valid until

02 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!
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

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

Offer Available

SingSaver Exclusive Offer
Apple AirPods 4th Gen (worth S$199)
Apple AirPods 4th Gen (worth S$199)

Valid until

02 March 2025

SingSaver Exclusive Offer
Stryv Color+ hair dryer (worth S$129)
Stryv Color+ hair dryer (worth S$129)

Valid until

02 March 2025

SingSaver Exclusive Offer
S$170 Lazada Vouchers
S$170 Lazada Vouchers

Valid until

02 March 2025

SingSaver Exclusive Offer
S$125 Cash via PayNow
S$125 Cash via PayNow

Valid until

02 March 2025

Things to consider for this product:

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

check

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
Annual Fee
S$ 196.2
info

2 Offers Available

Flash Deal
S$250 eCapitaVoucher
S$250 eCapitaVoucher

+ 1 other gift options

Valid until

28 February 2025

SingSaver Exclusive Offer
S$60 Cash via PayNow
S$60 Cash via PayNow

+ 1 other gift options

Valid until

28 February 2025

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

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

(Creatory Exclusive) HSBC Revolution Credit Card

(Creatory Exclusive) 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

Creatory Exclusive Offer
S$250 eCapitaVoucher
S$250 eCapitaVoucher

Valid until

02 March 2025

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

Valid until

02 March 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

No Annual Fee

(Creatory Exclusive) Citi Rewards Card

(Creatory Exclusive) Citi Rewards Card

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

Offer Available

Creatory Exclusive Offer
S$250 eCapitaVoucher
S$250 eCapitaVoucher

Valid until

02 March 2025

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

Valid until

02 March 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

HSBC Live+ Credit Card

HSBC Live+ Credit Card

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

3 Offers Available

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

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)
Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
S$199 Cash via PayNow + S$251 Lazada Vouchers
S$199 Cash via PayNow + S$251 Lazada Vouchers

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
Apple Watch SE + Stryv Pro Styler bundle (worth S$518)
Apple Watch SE + Stryv Pro Styler bundle (worth S$518)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver
Sony ZV-1F Vlog Camera (worth S$769)
Sony ZV-1F Vlog Camera (worth S$769)

Valid until

02 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!
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

(Creatory Exclusive) HSBC Live+ Credit Card

(Creatory Exclusive) HSBC Live+ Credit Card

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

Offer Available

Creatory Exclusive Offer
S$250 eCapitaVoucher
S$250 eCapitaVoucher

Valid until

02 March 2025

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

Valid until

02 March 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?

expand_more

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?

expand_more

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.

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.