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.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Journey Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for 15,000 Max Miles.
Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 45,000 miles
Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval.
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval.
With min. spend of S$600 per calendar month per calendar quarter.
Cashback Overseas
Up to 8 %
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On dining, entertainment, and shopping spend with a min. spend of S$600 per calendar month per calendar quarter.
Cashback Local
Up to 8 %
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On dining, entertainment, and shopping spend with a min. spend of S$600 per calendar month per calendar quarter.
Monthly Spend Required
S$ 600 per month
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For 3 consecutive months, capped at S$250 cashback per calendar quarter.
2 Offers Available
SingSaver Exclusive Offer
S$50 eCapitaVoucher
Valid until
31 October 2024
Welcome Offer
Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680)
Valid until
31 October 2024
Welcome Offer
S$200 cashback
Valid until
31 October 2024
Welcome Offer
S$50 cashback
Valid until
31 October 2024
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Things to consider for this product:
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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
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.
8% cashback* on dining, entertainment, and shopping spend (both local and overseas).
5% cashback* on fuel spending at Caltex and Shell stations in Singapore.
0.3% cashback* on all other qualifying spend.
First year annual fee waived.
Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.
Cashback* capped at S$250 per calendar quarter.
Cash rebates* are credited quarterly instead of monthly.
*Min. spend and other terms & conditions apply. Valid till 31 Dec 2024.
SingSaver Exclusive Offer
Gift Options
S$50 eCapitaVoucher
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new HSBC credit cardmembers only.
Apply for the HSBC Live+ Credit Card, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for reward.
Promotion is stackable with Welcome Offer from HSBC (additional T&Cs apply): Receive a Samsonite ZELTUS 60cm Spinner Exp with built-in scale or S$200 Cashback
Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680); or
S$200 cashback; or
S$50 cashback
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for new and existing HSBC cardmembers.
Apply for participating HSBC credit cards, make a min. spend of S$500 by the end of the calendar month after the card account opening date and consent to receiving marketing offers in the card application form to be eligible for rewards
New cardmembers will receive their choice of a Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or S$200 cashback
Cardmembers who have been awarded the S$100 or S$50 quarterly cashback will get an additional 5% cashback and cardmembers who have been awarded S$200 quarterly cashback will get an additional 6.67% cashback on the total DFI Retail Group such as Cold Storage, CS Fresh Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli.
Monthly Spend Required
S$ 2,000
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To earn up to 20% cashback.
Cashback Transport
Up to 20 %
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Cardmembers who have been awarded the S$100 or S$50 quarterly cashback will get an additional 5% cashback and cardmembers who have been awarded S$200 quarterly cashback will get an additional 6.67% cashback on Grab and SimplyGo (bus and train rides).
4 Offers Available
SingSaver Exclusive Offer
S$80 eCapitaVoucher
Valid until
31 October 2024
SingSaver Exclusive Offer
S$80 Shopee Vouchers
Valid until
31 October 2024
Welcome Offer
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Valid until
30 November 2024
Welcome Offer
S$350 cash credit
Valid until
30 November 2024
Welcome Offer
Up to 20% Cashback
Valid until
31 December 2024
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Things to consider for this product:
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Supermarket rebate
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Grab/taxi rebate
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Monthly spend required
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Rebate cap applied
Up to 10% cashback (up to 20% for new UOB credit cardmembers) on online shopping, groceries, health and beauty, convenience stores, transport, food delivery, utilities and more.
Up to 4.33% cashback on Singapore Power utilities bill.
Up to 3.33% cashback on all retail spend.
Petrol savings of up to 24% at Shell and SPC.
Greater savings with up to 6.0% p.a. interest with UOB One Account+.
Min. spend of S$500 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earn additional cashback
Awarding of cash rebate only comes every quarter.
Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
SingSaver Exclusive Offer
Gift Options
S$80 eCapitaVoucher; or
S$80 Shopee Vouchers
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for participating UOB credit cards and make a min. spend of S$500 in the first 30 days from card approval date to be eligible for reward.
Promotion is stackable with welcome offer from UOB (additional T&Cs apply): Receive Apple AirPods Pro Gen 2 + 2x AirTag bundle or S$350 Cash Credit
Promotion is stackable with welcome offer from UOB (additional T&Cs apply): Receive 20% cashback
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 in the first 30 days from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for the first 200 new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 for 2 consecutive months from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.
Airmiles Overseas
Up to 10 miles per dollar
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Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.
Airmiles Base Rate
0.4 miles per dollar
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Unlimited 0.4 miles per dollar on all other spend outside enrolled rewards category.
Airmiles Bonus Cap
S$ 1,000
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Bonus 4 mpd rate + up to 6 mpd rate is capped at S$1,000 spend per month
Offer Available
SingSaver Exclusive Offer
S$80 eCapitaVoucher
Valid until
31 October 2024
SingSaver Exclusive Offer
S$80 Shopee Vouchers
Valid until
31 October 2024
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Things to consider for this product:
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Local spending rebate
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Installment
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No monthly spend required
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Rebate cap applied
Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
Complimentary e-Commerce protection on your online purchases.
Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
You can only choose 1 rewards category out of 7 for the 25X UNI$ (10 miles per S$1) earn rate. It can’t be changed until next quarter.
You must apply for and use UOB Lady's Savings Account to unlock additional 15X UNI$ (6 miles per S$1) earn rate on selected rewards category.
SingSaver Exclusive Offer
Gift Options
S$80 eCapitaVoucher; or
S$80 Shopee Vouchers
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for participating UOB credit cards and make a min. spend of S$500 in the first 30 days from card approval date to be eligible for reward.
Promotion is stackable with welcome offer from UOB (additional T&Cs apply): Receive up to 58,000 miles
On travel booking, for a limited time (T&Cs apply, valid until 31 Dec 2024). Base rate: 2.2 mpd on foreign currency spend.
Airmiles Local
1.3 miles per dollar
Airmiles Hotel Booking
Up to 5 miles per dollar
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On travel booking, for a limited time (T&Cs apply, valid until 31 Dec 2024). Base rate: 2.2 mpd on foreign currency spend, 1.3 mpd on local spend.
Airport Lounge Access
2 visits per year*
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Lounge visits Priority Pass
3 Offers Available
Welcome Offer
30,000 miles
Valid until
31 January 2025
Welcome Offer
20,000 miles + annual fee waiver
Valid until
31 January 2025
Welcome Offer
Up to 5 miles per dollar on online travel bookings or foreign spend
Valid until
31 December 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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No expiry air miles
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Unlimited air miles
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
30,000 miles
Promotion is valid until 31 January 2025.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude Visa Signature Card with promo code, make a min. spend of S$800 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for reward.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude Visa Signature Card with annual fee waiver, then make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
Up to 5 miles per dollar on online travel bookings or foreign spend
Welcome Offer promotion is valid until 30 December 2024.
Promotion is valid for new DBS credit cardmembers only.
Apply and get approved for the DBS Altitude AMEX or Visa Signature cards, then register for the promo on the DBS PayLah! app and make a min. spend of S$1,000 on the card every month to be eligible for 5 miles per dollar rate.
Register and fulfill the spend requirement during the months of September and October to be eligible for 5 miles per dollar on online travel bookings
Register and fulfill the spend requirement during the months of November and December to be eligible for 5 miles per dollar on foreign spend
DBS PayLah! app registrations limited to 10,000 per month.
Promotion is stackable with SingSaver Exclusive promotion.
Apply for DragonPass Membership (complimentary for cardholders).
Annual Fee
S$ 196.2
Offer Available
SingSaver Exclusive Offer
S$50 eCapitaVoucher
Valid until
31 October 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Bonus air miles
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.
Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
Accelerated earn rate: up to 2.4 miles for your spending.
No conversion fee for air miles or hotel points until 31 May 2024.
Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for main cardholders only, and more.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
SingSaver Exclusive Offer
Gift Options
S$50 eCapitaVoucher
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new HSBC TravelOne credit cardmembers (existing holders of other HSBC credit cards are still eligible)
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST) and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for reward
Promotion is stackable with Welcome Offer from HSBC (additional T&Cs apply): Receive 20,000 Miles
Valid for existing HSBC cardholdersStackable with HSBC Miles Rewards
HSBC TravelOne Credit Card (Miles with Vouchers)
Airmiles Overseas
2.4 miles per dollar
Airmiles Local
1.2 miles per dollar
Airport Lounge Access
4 visits per year*
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Apply for DragonPass Membership (complimentary for cardholders).
Annual Fee
S$ 196.2
2 Offers Available
SingSaver Exclusive Offer
S$50 eCapitaVoucher
Valid until
31 October 2024
Welcome Offer
20,000 miles
Valid until
31 October 2024
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Things to consider for this product:
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Unlimited air miles
check
Airport lounge
check
Travel insurance
check
Bonus air miles
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.
Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
Accelerated earn rate: up to 2.4 miles for your spending.
No conversion fee for air miles or hotel points until 31 May 2024.
Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for main cardholders only, and more.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
SingSaver Exclusive Offer
Gift Options
S$50 eCapitaVoucher
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new HSBC TravelOne credit cardmembers (existing holders of other HSBC credit cards are still eligible)
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST) and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for reward
Promotion is stackable with Welcome Offer from HSBC (additional T&Cs apply): Receive 20,000 Miles
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for new HSBC credit cardmembers only.
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST), and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for reward.
20,000 miles reward will be granted in the form of 50,000 HSBC Rewards Points
Promotion is stackable with SingSaver Exclusive promotion (additional T&Cs apply): Receive S$50 eCapitaVoucher
S$1 local spend = 1.6 point on qualifying spend. 3200 points redeemed = S$10 cash credit. Equivalent to 0.5% cashback.
Cashback Dining
6 %
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Burger King, KFC, Mcdonald’s, Subway, Toast Box, Ya Kun Kaya Toast only
Interest Free Period
3 Months
3 Offers Available
Fastest 4 Weeks Cash Fulfilment
S$210 Cash via PayNow
Valid until
31 October 2024
Upgrade Your Rewards with a Simple Top-Up
Save S$689 on a Flujo Ayla Ergonomic Office Chair (worth S$1,139) by upgrading your reward with a top up
+ 1 other gift options
Valid until
31 October 2024
Richest Offer in the Market
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
Valid until
31 October 2024
Richest Offer in the Market
S$280 Shopee voucher
Valid until
31 October 2024
Richest Offer in the Market
Flujo BEA Office Chair (worth S$509)
Valid until
31 October 2024
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Things to consider for this product:
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Bonus air miles
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Public transportation
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Installment
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No Annual Fee
No cash advance fee.
No annual fee.
Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required.
Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap.
Enjoy 0% interest rates with 3-month EasyPay instalment tenure with no processing fee.
Cashback capped at 14,400 reward points, approximately S$45, on selected merchants.
Points expire after 3 years.
Fastest 4 Weeks Cash Fulfilment
Gift Options
S$210 Cash via PayNow
Promotion is valid until 31 October 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Fastest Cash Fulfilment: Receive your SingSaver Exclusive cash reward in as little as 4 weeks!
Promotion is not stackable with other welcome offers from Standard Chartered.
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249); or
S$280 Shopee voucher; or
Flujo BEA Office Chair (worth S$509)
Promotion is valid until 31 October 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
With minimum monthly spend of S$2,000. Receive additional 1% cashback for HSBC banking customers.
Cashback Base Rate
1.5 %
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No minimum spend, capped at S$70 per calendar month.
Monthly Spend Required
S$ 0
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For base 1.5% cashback. Min. spend of S$2,000 for 2.5% cashback.
Cashback Overseas
2.5 %
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With minimum monthly spend of S$2,000. Receive additional 1% cashback for HSBC banking customers.
2 Offers Available
SingSaver Exclusive Offer
S$50 eCapitaVoucher
Valid until
31 October 2024
Welcome Offer
Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680)
Valid until
31 October 2024
Welcome Offer
S$200 cashback
Valid until
31 October 2024
Welcome Offer
S$50 cashback
Valid until
31 October 2024
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Things to consider for this product:
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No monthly spend required
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Travel insurance
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Annual Fee waiver
remove
Rebate cap applied
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.
Earn up to 2.5% Base Cashback (1.5% with no minimum spend OR 2.5% when you spend above S$2,000) on your local and overseas purchases each calendar month.
Get additional 1% cashback on your credit card spending with HSBC Everyday+ Rewards Programme.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new HSBC credit cardmembers only.
Apply for the HSBC Advance Credit Card, provide your marketing consent to HSBC and make a min. spend of S$500 by the end of the following month from card approval date to be eligible for reward.
Promotion is stackable with Welcome Offer from HSBC (additional T&Cs apply): Receive a Samsonite ZELTUS 60cm Spinner Exp with built-in scale or S$200 Cashback
Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680); or
S$200 cashback; or
S$50 cashback
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for new and existing HSBC cardmembers.
Apply for participating HSBC credit cards, make a min. spend of S$500 by the end of the calendar month after the card account opening date and consent to receiving marketing offers in the card application form to be eligible for rewards
New cardmembers will receive their choice of a Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or S$200 cashback
8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories
Cashback Overseas
8 %
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8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.
Cashback Dining
6 %
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6% on any dining merchant worldwide with a min. monthly spend of S$800.
Cashback Petrol
8 %
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8% cash back at all petrol stations with a min. monthly spend of S$800.
3 Offers Available
Fastest 4 Weeks Cash Fulfilment
S$320 Cash via PayNow
Valid until
31 October 2024
Fastest 4 Weeks Rewards Fulfilment
S$320 FairPrice Vouchers
Valid until
31 October 2024
Fastest 4 Weeks Rewards Fulfilment
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
On dining transactions in SGD. Up to 10 360° Reward Points for overseas retail transactions.
3 Offers Available
Fastest 4 Weeks Cash Fulfilment
S$210 Cash via PayNow
Valid until
31 October 2024
Upgrade Your Rewards with a Simple Top-Up
Save S$689 on a Flujo Ayla Ergonomic Office Chair (worth S$1,139) by upgrading your reward with a top up
+ 1 other gift options
Valid until
31 October 2024
Richest Offer in the Market
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
Valid until
31 October 2024
Richest Offer in the Market
S$280 Shopee voucher
Valid until
31 October 2024
Richest Offer in the Market
Flujo BEA Office Chair (worth S$509)
Valid until
31 October 2024
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Things to consider for this product:
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Overseas rebate
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No monthly spend required
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Travel insurance
remove
Rebate cap applied
Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
Up to 5X reward points for every S$1 spent on dining transactions.
1 reward point for every S$1 spent on all eligible spend.
No min. spend required, 1 year annual fee waiver.
Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
Read our full review of the Standard Chartered Rewards+ Credit Card.
Additional reward points are capped at 20,000 points per year.
Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
Fastest 4 Weeks Cash Fulfilment
Gift Options
S$210 Cash via PayNow
Promotion is valid until 31 October 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Fastest Cash Fulfilment: Receive your SingSaver Exclusive cash reward in as little as 4 weeks!
Promotion is not stackable with other welcome offers from Standard Chartered.
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249); or
S$280 Shopee voucher; or
Flujo BEA Office Chair (worth S$509)
Promotion is valid until 31 October 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
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.
Complimentary Weekend Parking at Great World City.
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.
Welcome Offer promotion runs from 1 October 2024 to 31 October 2024.
Promotion is valid for new and existing American Express card members.
Apply for The Platinum Card® by AMEX through SingSaver, pay the annual fee (S$1,744 incl. GST) and make a min. spend of S$8,000 within 6 months of card approval to be eligible for reward
Receive S$800 Statement Credits and a Samsonite Choca Spinner 68/25 upon fulfilment of reward criteria
Earn 10,000 Membership Rewards® points based on the S$8,000 spent (based on 2 Membership Rewards® points earned per S$1.60 spent)
Promotion does not stack with other Welcome Offers from AMEX.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Airmiles Local
1.2 miles per dollar
Airmiles Overseas
1.2 miles per dollar
Minimum Annual Income
Conditional
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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Annual Fee
S$ 397.85
Offer Available
Welcome Offer
Up to 38,000 KrisFlyer miles
Valid until
31 October 2024
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Things to consider for this product:
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Unlimited air miles
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Travel insurance
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Annual Fee required
Get an accelerated upgrade to KrisFlyer Elite Gold membership tier when you spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings^ within the first 12 months upon Card approval.
Get a complimentary night stay at participating Hilton properties each year.
Receive a Foreign Spend Miles Redemption Voucher^ for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.
Receive a Renewal Miles Redemption Voucher^ for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.
Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings^, and KrisShop purchases, with no cap.
Earn up to 2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions^, up to S$200 spend in each calendar month.
Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
^Benefits listed are effective 1 November 2024. For all the benefits from now till 31 October 2024, please refer to go.amex/ascendterms
Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
Welcome Offer
Gift Options
Up to 38,000 KrisFlyer miles
Welcome Offer promotion runs from 1 October 2024 to 31 October 2024.
Promotion is valid for new and existing American Express card members.
Apply for the American Express Singapore Airlines KrisFlyer Ascend Credit Card, pay the annual fee (S$397.85 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for reward
New to American Express Card Members
Receive 27,800 KrisFlyer miles upon fulfilment of reward criteria
Receive 5,000 KrisFlyer miles upon first transaction on card (for first time American Express Singapore Airlines Credit Card applicants)
Earn 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles earned per S$1 spent locally)
Receive an additional 4,000 KrisFlyer miles if the min. spend of S$1,000 is made in foreign currency
Existing American Express Card Members
Receive 17,800 KrisFlyer miles upon fulfilment of reward criteria
Receive 5,000 KrisFlyer miles upon first transaction on card (for first time American Express Singapore Airlines Credit Card applicants)
Earn 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles earned per S$1 spent locally)
Receive an additional 4,000 KrisFlyer miles if the min. spend of S$1,000 is made in foreign currency
Promotion does not stack with other welcome offers from American Express.
On foreign spend for a limited time (T&Cs apply, valid until 31 Dec 2024). Base rate = 2.2 miles per dollar.
Airmiles Local
1.3 miles per dollar
Airmiles Hotel Booking
Up to 5 miles per dollar
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On travel booking, for a limited time (T&Cs apply, valid until 31 Dec 2024). Base rate: 2.2 mpd on foreign currency spend, 1.3 mpd on local spend.
Airport Lounge Access
2 visits per year*
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Lounge visits Priority Pass
3 Offers Available
Welcome Offer
35,000 miles
Valid until
31 January 2025
Welcome Offer
25,000 miles + annual fee waiver
Valid until
31 January 2025
Welcome Offer
Up to 5 miles per dollar on online travel bookings or foreign spend
Valid until
31 December 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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No expiry air miles
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Unlimited air miles
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
35,000 miles
Promotion is valid until 31 January 2025.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude American Express Card with promo code, make a min. spend of S$800 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for reward.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude American Express Card with annual fee waiver, then make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
Up to 5 miles per dollar on online travel bookings or foreign spend
Welcome Offer promotion is valid until 30 December 2024.
Promotion is valid for new DBS credit cardmembers only.
Apply and get approved for the DBS Altitude AMEX or Visa Signature cards, then register for the promo on the DBS PayLah! app and make a min. spend of S$1,000 on the card every month to be eligible for 5 miles per dollar rate.
Register and fulfill the spend requirement during the months of September and October to be eligible for 5 miles per dollar on online travel bookings
Register and fulfill the spend requirement during the months of November and December to be eligible for 5 miles per dollar on foreign spend
DBS PayLah! app registrations limited to 10,000 per month.
Promotion is stackable with SingSaver Exclusive promotion.
Earn 2.8 air miles (7X TREATS Points) per S$1 spent on air tickets and in foreign currencies.
Earn 1.2 air miles (3X TREATS Points) per S$1 spent on all local shopping, groceries, dining, hotel bookings and more
Continue to earn TREATS Points (TP) on your insurance, private hospitals, utilities and education spend.
Fuel savings of 20.05% + 3X TREATS Points at Caltex stations with Diamond Sky Fuel card
Travel in comfort with complimentary access to selected VIP lounges
Air miles are only applicable if redemption is made on TREATS SG app
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Welcome Offer
Gift Options
Samsonite ENOW Spinner 69/25 EXP (worth S$570); or
S$200 cashback
Promotion is valid until 31 October 2024
Promotion is valid for new Maybank credit cardmembers and CreditAble account only
Apply and get approved for a new Maybank credit card and accumulate at least S$650 of credit card spend and/or CreditAble account withdrawals every month for 2 consecutive months from card approval date to be eligible for rewards
Promotion is valid until such date determined by Maybank at its absolute discretion
Promotion is valid for new Maybank credit cardmembers and CreditAble account only
Apply and get approved for a new Maybank credit card and accumulate at least S$650 of credit card spend and/or CreditAble account withdrawals every month for 2 consecutive months from card approval date to be eligible for rewards
10,000 KrisFlyer Miles reward will be provided in the form of 25,000 TREATS Points
Promotion is valid until such date determined by Maybank at its absolute discretion
Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up
+ 1 other gift options
Valid until
31 October 2024
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Things to consider for this product:
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Seamless application
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Increased rewards
One seamless journey for both products
More rewards when you apply for both products as a bundle
Citi Wealth First Account Benefits:
Enjoy up to 7.51% p.a.* on your savings with your Citi Wealth First Account. Earn higher interest and save more with every action.
Protect and build your wealth with our full suite of investment and insurance products.
Enjoy access to global banking & lifestyle privileges, travel benefits and get invited to exclusive events.
Get 6-month commission-free trades online* for U.S. and H.K. markets and have access to Global Market Insights with 350+ analysts worldwide.
Supporting team of experts and dedicated Relationship Manager to assist you to reach your goals
Citi Premier Miles Card Benefits:
1.2 miles per S$1 spent locally. 2.2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
Customer must complete application for both products in the bundle; if customer chooses to apply for Citi PremierMiles Card only, they must re-apply through the PremierMiles Card listing on SingSaver.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.
Fastest 4 Weeks Cash Fulfilment
Gift Options
S$320 Cash via PayNow + S$100 eCapitaVoucher
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new Citi credit cardmembers only.
Apply for select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Fastest Cash Fulfilment: Receive your SingSaver Exclusive cash reward in as little as 4 weeks!
Promotion is valid for new Citi credit cardmembers only.
Apply for the Citi PremierMiles Card x Citigold One-Sell Bundle and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Customers who apply for Citigold through the one-sell bundle will not be eligible for the SingSaver Exclusive offer for Citigold.
Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
On selected cashback category (local & overseas) and all Malaysian Ringgit spend. Monthly S$25 cap per category.
Cashback Overseas
8 %
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On selected cashback category (local & overseas) and all Malaysian Ringgit spend. S$25 monthly cashback cap.
Monthly Spend Required
S$ 800 per month
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Capped at S$125 cashback per month, S$25 per category. (Calendar month)
Cashback Base Rate
0.3 %
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0.3% on all other purchases.
Offer Available
Welcome Offer
Samsonite ENOW Spinner 69/25 EXP (worth S$570)
Valid until
31 October 2024
Welcome Offer
S$200 cashback
Valid until
31 October 2024
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Things to consider for this product:
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Local spending rebate
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Annual Fee waiver
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Rebate cap applied
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Monthly spend required
Earn 8% cashback for 5 spend categories across 10 options.
Get 8% cashback on Malaysian Ringgit (MYR) spend.
Earn up to S$150 cashback every month.
8% cashback categories can be changes trimonthly or every 3 months.
0.3% cashback for AXS bill payments (capped at S$50).
Accelerated cashback earn rate categories can be changed annually.
3-year annual fee waiver.
No annual fee for supplementary card.
3 card designs to choose from upon application.
Monthly cashback falls to 0.3% for spends below S$800.
Welcome Offer
Gift Options
Samsonite ENOW Spinner 69/25 EXP (worth S$570); or
S$200 cashback
Promotion is valid until 31 October 2024
Promotion is valid for new Maybank credit cardmembers and CreditAble account only
Apply and get approved for a new Maybank credit card and accumulate at least S$650 of credit card spend and/or CreditAble account withdrawals every month for 2 consecutive months from card approval date to be eligible for rewards
Promotion is valid until such date determined by Maybank at its absolute discretion
On daily essentials. Minimum spend of S$800 required.
Cashback Dining
Up to 10 %
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10% on online food delivery from Foodpanda and Deliveroo. All other dining spend earns 3% cash rebates. Capped at Daily$15 per calendar month. Minimum spend of S$800 required.
Cashback Base Rate
0.3 %
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No minimum spend or capped. Cashback awarded in Daily$.
Fuel Savings
Up to 20.1 %
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15% discount at SPC + up to 6% cashback
Offer Available
Welcome Offer
S$150 cashback
Valid until
31 January 2025
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Things to consider for this product:
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Food delivery
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Online shopping rebate
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Rebate cap applied
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Monthly spend required
Earn 10% cash rebates on food delivery via foodpanda, Deliveroo and WhyQ.
3% cash rebate granted for dining spend (excluding fast food spend).
Enjoy 8% cash rebates on Shopee, Lazada, Amazon.sg, Qoo10, RedMart, iHerb, Taobao and Popular Online Store.
Get 5% cash rebates at Sheng Siong supermarkets.
Up to 3% cash rebates on your utilities and telecommunication payments.
Earn 6% cash rebates at SPC and 0.3% cash rebates at Watson.
0.3% cash rebates on all other transactions.
Cash rebates never expire.
Read our full review of the POSB Everyday Card.
Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
S$15 monthly cash rebate cap for dining and online spending categories respectively.
S$30 monthly cash rebate cap for groceries.
Welcome Offer
Gift Options
S$150 cashback
Promotion is valid until 31 January 2025.
Promotion is valid for new DBS/POSB credit cardmembers only.
Apply for participating DBS/POSB credit cards and make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).
Annual Fee
S$ 196.2
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First Year Waived
Cashback Retail
Up to 6 %
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In voucher rebates in Takashimaya Department Store.
Annual Fee Waiver
1 year
Offer Available
Welcome Offer
S$88 Cashback
Valid until
31 December 2024
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Things to consider for this product:
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Retail rebate
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Retail discount
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Voucher redeemable
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No rebate cap
Get 6% voucher rebates in Takashimaya Department Store (Earn 2 Takashimaya Bonus Points with every S$10 charged)
Get 2% voucher rebates in Takashimaya Shopping Centre (Earn 2 Takashimaya Bonus Points with every S$30 charged)
Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
Enjoy additional 10% off during selected sale events at Takashimaya Department Store.
Enjoy S$4 top-up to your CashCard for parking when you charge at least S$400 to your Card at Takashimaya Department Store.
Enjoy up to 5% discount at selected Takashimaya stores in Asia.
Rebates can only be redeemed for Takashimaya vouchers.
Welcome Offer
Gift Options
S$88 Cashback
Welcome Offer promotion is valid until 31 December 2024.
Promotion is valid for new and existing DBS credit cardmembers.
Apply for the DBS Takashimaya AMEX Card and make a min. spend of S$250 within Takashimaya Department Store, Takashimaya Online Store and participating specialty stores at Takashimaya Shopping Centre within 30 days of card approval to be eligible for reward
On online purchases (travel-related, offline retail, groceries, dining, food delivery, transport, and club memberships)
Annual Fee
No Annual Fee
Things to consider for this product:
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Mobile contactless rebate
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Online shopping rebate
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Travel rebate
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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 and contactless payments (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 & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; 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.
On Cruises spending only. Minimum spend of S$800 in same statement month, and capped at S$20 per category.
Cashback Overseas
0.2 %
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Unlimited 0.2% cashback on all other spends.
Minimum Annual Income
S$ 30,000
Annual Fee
No Annual Fee
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For all Principal and Supplementary cards.
Offer Available
Welcome Offer
Up to S$188 Cashback
Valid until
31 January 2025
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Things to consider for this product:
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Online shopping rebate
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Supermarket rebate
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Annual Fee waiver
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Rebate cap applied
10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises.
Unlimited 0.2% cashback on all other spend.
Complimentary travel insurance of up to S$500,000 when you charge your travel fares to this card.
No annual fees for life + up to 4 supplementary cards with no annual fees.
Minimum spending of S$800 in the statement month to qualify for 10% cashback.
10% cashback is capped at S$100 per statement month per principal cardmember and up to S$20 per category. Earn 0.2% cashback on all spend when you exceed the cashback cap.
Welcome Offer
Gift Options
Up to S$188 Cashback
Promotion is valid for new CIMB credit cardmembers only
Apply for select CIMB credit cards and make minimum spends to be eligible for reward:
Make a minimum spend of S$108 within 30 days of card approval date to receive S$88 Cashback
Make a minimum spend of S$988 within 60 days of card approval date to receive additional S$100 Cashback (S$188 total)
Up to S$300 Statement Credits + 1,250 Membership Rewards® points
Valid until
31 October 2024
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Things to consider for this product:
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Unlimited air miles
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Dining savings
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Annual Fee required
Enjoy up to S$200 statement credits that can be used at trending restaurants or fashion brands.
Enjoy up to 50% savings at a curated selection of hotels and restaurants island-wide with Love Dining by Platinum.
Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
Earn 2 Membership Rewards® Points for every S$1.60 spent.
Earn 10 Membership Rewards® Points for every full S$1.60 spent with 10Xcelerator Partners.
Membership Rewards® Points never expire.
Permanent waiver of miles transfer fee (worth S$40).
Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
Welcome Offer
Gift Options
Up to S$300 Statement Credits + 1,250 Membership Rewards® points
Welcome Offer promotion runs from 1 October 2024 to 31 October 2024.
Promotion is valid for new and existing American Express card members.
Apply for the AMEX Platinum Credit Card, pay the annual fee (S$327 incl. GST) and make a min. spend of S$1,000 within 30 days of card approval to be eligible for rewards
New Card Members: Receive S$300 Statement Credits from fulfilment of reward criteria
Existing Card Members: Receive S$200 Statement Credits from fulfilment of reward criteria
Receive 1,250 Membership Rewards® points from the S$1,000 spend (based on 2 Membership Rewards® points earned per S$1.60 spent)
American Express Singapore Airlines KrisFlyer Credit Card
Airmiles Local
1.1 miles per dollar
Airmiles Overseas
1.1 miles per dollar
Air Miles Conversion Fee
No Fee
Annual Fee Waiver
1 year
Offer Available
Welcome Offer
Up to 17,000 KrisFlyer miles
Valid until
31 October 2024
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Things to consider for this product:
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No monthly spend required
Receive S$150 cashback on your next purchase on singaporeair.com when you spend S$12,000 or more on eligible purchases within the qualifying period.
Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings^, and KrisShop purchases, with no cap.
Earn up to 2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions^, up to S$200 spend in each calendar month.
Earn 1.1 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
Hassle-free conversion with no transfer fee.
^Benefits listed are effective 1 November 2024. For all the benefits from now till 31 October 2024, please refer to go.amex/krisflyerterms
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
Welcome Offer
Gift Options
Up to 17,000 KrisFlyer miles
Welcome Offer promotion runs from 1 October 2024 to 31 October 2024.
Promotion is valid for new American Express card members only.
Apply for the AMEX Singapore Airlines KrisFlyer Credit Card and make a min. spend of S$1,000 within 30 days of card approval to be eligible for rewards
Receive 10,900 KrisFlyer miles upon fulfillment of reward criteria
Receive 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines credit card applicants)
Receive 1,100 KrisFlyer miles based on the S$1,000 spent (based on 1.1 KrisFlyer miles per S$1 local spend)
Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.
Air Miles Conversion Fee
No Fee
Airmiles Flight Booking
3 miles per dollar
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3 miles per dollar on flights under Singapore Airlines. Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.
Complimentary Travel Insurance
Up to S$500,000
2 Offers Available
SingSaver Exclusive Offer
S$80 eCapitaVoucher
Valid until
31 October 2024
SingSaver Exclusive Offer
S$80 Shopee Vouchers
Valid until
31 October 2024
Welcome Offer
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
Valid until
31 October 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Annual Fee waiver
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Monthly spend required
Earn 3 KrisFlyer miles per S$1 on Singapore Airlines, Scoot, KrisShop and Kris+ purchases.
Earn up to 3 KrisFlyer miles per S$1 on dining, food delivery, online shopping, travel and transport spend.
Earn 1.2 KrisFlyer miles per S$1 on all other spend.
No cap on KrisFlyer miles earned.
Enjoy S$20 rebate on your KrisShop purchases with a minimum spend of S$120 nett in a single transaction.
Get rewarded 10,000 KrisFlyer miles when you renew your annual card membership.
Scoot exclusive benefits: Priority check-in and boarding, more baggage allowance, seat selection and booking flexibility waiver.
Complimentary travel insurance of up to S$500,000.
No conversion fees.
More miles with every spend.
Uncapped 3 mpd on SIA and Scoot tickets, Kris+, dining, food delivery, online shopping & travel, and transport.
Periodic discounts on KrisFlyer Experiences
Exclusive privileges on Scoot, KrisShop, Grab and more.
Read our full review of the KrisFlyer UOB Credit Card.
Min. annual spend of S$800 on Singapore Airlines Group to qualify for 3 KrisFlyer miles per S$1 earn rate.
Bonus miles earned from dining, food delivery, online shopping, travel, transport are only awarded within 2 months after the card membership year.
SingSaver Exclusive Offer
Gift Options
S$80 eCapitaVoucher; or
S$80 Shopee Vouchers
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for participating UOB credit cards and make a min. spend of S$500 in the first 30 days from card approval date to be eligible for reward.
Promotion is stackable with welcome offer from UOB (additional T&Cs apply): Receive 31,000 KrisFlyer Miles + first-year annual fee waiver
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for the UOB Absolute Cashback Card with SMS registration, pay the annual fee of S$180 (subject to prevailing GST) and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for Samsonite EVOA Z Spinner 25" Exp
To register via SMS, send ABAF <space> last 4 characters of your NRIC/passport to 77862
SMS registration must be completed within the promo period.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for the UOB Absolute Cashback Card and make a successful charge of any amount within 30 days of card approval to receive 5% welcome cashback (up to S$50)
Capped at S$30 per statement month with a min. spend of S$800.
Cashback Overseas
Up to 10 %
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On overseas in-store FX spend, capped at S$20 per statement month.
Cashback Dining
10 %
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On online and mobile contactless spend, capped at S$30 per statement month.
Cashback Supermarket
10 %
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On online and mobile contactless spend, capped at S$30 per statement month.
2 Offers Available
SingSaver Exclusive Offer
S$80 eCapitaVoucher
Valid until
31 October 2024
SingSaver Exclusive Offer
S$80 Shopee Vouchers
Valid until
31 October 2024
Welcome Offer
GoPro HERO13 (worth S$590)
Valid until
30 November 2024
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Things to consider for this product:
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Online shopping rebate
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Mobile contactless rebate
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Overseas in-store FX spend rebate
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Monthly spend required
remove
Rebate cap applied
Enjoy 10% cashback on all online and mobile contactless spend (Apple Pay, Samsung Pay, Google Pay)
Enjoy 10% cashback on overseas in-store FX spend.
All other spends earn 0.3% cashback.
Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.
Get greater savings with up to 6.0% p.a. interest with UOB One Account+.
Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
S$80 total cashback cap per statement month (S$30 cap for online and mobile contactless spend; S$20 cap for overseas in-store FX spend; and S$40 cap for all other spend category).
SingSaver Exclusive Offer
Gift Options
S$80 eCapitaVoucher; or
S$80 Shopee Vouchers
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for participating UOB credit cards and make a min. spend of S$500 in the first 30 days from card approval date to be eligible for reward.
Promotion is stackable with welcome offer from UOB (additional T&Cs apply): Receive a GoPro HERO13 (worth S$590)
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid only for the first 100 eligible new-to-UOB credit cardmembers per month during the promo period.
Apply for the UOB EVOL Card with SMS registration, then make a min. spend of S$800 per month for 3 consecutive months from card approval date to be eligible for reward
To register via SMS, send EVOLGOPRO <space> last 4 characters of your NRIC to 77862
Promotion does not stack with other offers from SingSaver.
58,000 miles upon SMS registration and fulfilling spend requirement
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for new-to-UOB credit card members only.
Apply for participating UOB credit cards with SMS registration, pay the annual fee (S$261.60 incl. GST) and spend at least S$2,000 per month for 2 consecutive months from card approval date to be eligible for reward
Receive 20,000 miles from first year annual fee payment and SMS registration
Receive 26,000 miles from S$2,000 min. spend per month for 2 consecutive months from card approval date
Receive 12,000 miles with min. regional spend of S$2,000 per month for 2 consecutive months
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
SMS registration must be completed by 30 November 2024
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for the first 50 eligible new-to-UOB credit cardmembers per month during the promotional period
Apply for participating UOB credit cards with 1st year annual fee waived and spend at least S$2,000 per month for 2 consecutive months from card approval date to be eligible for reward
Receive 26,000 miles from S$2,000 min. spend per month for 2 consecutive months from card approval date
Receive 12,000 miles with min. overseas spend of S$2,000 per month for 2 consecutive months
American Express Singapore Airlines Business Credit Card
Airmiles Flight Booking
Up to 8.5 HighFlyer points
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On eligible Singapore Airlines Group flights.
Airmiles Travel
1.8 HighFlyer points
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Per S$1
Minimum Annual Income
Conditional
Annual Fee
S$ 304.59
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Non-waivable
Offer Available
Welcome Offer
30,000 HighFlyer points (worth S$285)
Valid until
31 October 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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Air ticket rebate
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Rebate cap applied
Earn up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airline Group flights, worth 8.5% cashback.
Earn 1.8 HighFlyer points per S$1 spent on all other eligible spend (worth 1.8 KrisFlyer miles).
Convert HighFlyer points to KrisFlyer miles with a 1:1 rate, up to 100,000 miles per KrisFlyer account annually with no limit on the number of KrisFlyer accounts linked.
Spend S$15,000 or more with Singapore Airlines Group in the first 12 months for a one-time accelerated KrisFlyer Elite Gold membership tier upgrade.
Complimentary night’s stay and up to 50% off dining with Accor Plus across Asia Pacific.
Priority Pass membership with 2 complimentary visits per year.
Welcome Offer
Gift Options
30,000 HighFlyer points (worth S$285)
Welcome Offer promotion runs from 15 May 2024 to 31 October 2024.
Promotion is valid for new American Express card members only.
Apply for the American Express Singapore Airlines Business Credit Card, make a min. spend of S$3,000 within 3 months of card approval, and pay the annual fee (S$304.59 incl. GST) in the first statement to be eligible for reward
Receive 24,600 HighFlyer points upon fulfilling reward criteria
Receive 5,400 HighFlyer points based on the S$3,000 spent (based on 1.8 HighFlyer points per S$1 spent)
Promotion does not stack with other offers from American Express.
58,000 miles upon SMS registration and fulfilling spend requirement
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for new-to-UOB credit card members only.
Apply for participating UOB credit cards with SMS registration, pay the annual fee (S$261.60 incl. GST) and spend at least S$2,000 per month for 2 consecutive months from card approval date to be eligible for reward
Receive 20,000 miles from first year annual fee payment and SMS registration
Receive 26,000 miles from S$2,000 min. spend per month for 2 consecutive months from card approval date
Receive 12,000 miles with min. regional spend of S$2,000 per month for 2 consecutive months
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
SMS registration must be completed by 30 November 2024
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for the first 50 eligible new-to-UOB credit cardmembers per month during the promotional period
Apply for participating UOB credit cards with 1st year annual fee waived and spend at least S$2,000 per month for 2 consecutive months from card approval date to be eligible for reward
Receive 26,000 miles from S$2,000 min. spend per month for 2 consecutive months from card approval date
Receive 12,000 miles with min. overseas spend of S$2,000 per month for 2 consecutive months
On bookings made on Agoda, Expedia, and UOB Travel.
3 Offers Available
SingSaver Exclusive Offer
S$80 eCapitaVoucher
Valid until
31 October 2024
SingSaver Exclusive Offer
S$80 Shopee Vouchers
Valid until
31 October 2024
Welcome Offer
58,000 miles upon SMS registration and fulfilling spend requirement
Valid until
31 October 2024
Welcome Offer
38,000 miles with 1st year annual fee waived
Valid until
31 October 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
Earn miles when you pay your monthly bills, rent, taxes and even a one-off large purchase with your UOB PRVI Miles Card via UOB PRVI Miles Payment Facility.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20
SingSaver Exclusive Offer
Gift Options
S$80 eCapitaVoucher; or
S$80 Shopee Vouchers
SingSaver Exclusive promotion is valid until 31 October 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for participating UOB credit cards and make a min. spend of S$500 in the first 30 days from card approval date to be eligible for reward.
Promotion is stackable with welcome offer from UOB (additional T&Cs apply): Receive up to 58,000 miles
58,000 miles upon SMS registration and fulfilling spend requirement
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for new-to-UOB credit card members only.
Apply for participating UOB credit cards with SMS registration, pay the annual fee (S$261.60 incl. GST) and spend at least S$2,000 per month for 2 consecutive months from card approval date to be eligible for reward
Receive 20,000 miles from first year annual fee payment and SMS registration
Receive 26,000 miles from S$2,000 min. spend per month for 2 consecutive months from card approval date
Receive 12,000 miles with min. regional spend of S$2,000 per month for 2 consecutive months
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
SMS registration must be completed by 30 November 2024
Welcome Offer promotion is valid until 31 October 2024.
Promotion is valid for the first 50 eligible new-to-UOB credit cardmembers per month during the promotional period
Apply for participating UOB credit cards with 1st year annual fee waived and spend at least S$2,000 per month for 2 consecutive months from card approval date to be eligible for reward
Receive 26,000 miles from S$2,000 min. spend per month for 2 consecutive months from card approval date
Receive 12,000 miles with min. overseas spend of S$2,000 per month for 2 consecutive months
1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
Up to 60,000 miles; or
Up to 40,000 miles
Promotion is valid until 31 January 2025.
Promotion is valid for new and existing DBS credit cardmembers.
Apply for the DBS Vantage Card and make a min. spend of S$4,000 within 30 days of card approval to be eligible for reward.
New DBS cardmembers will receive 60,000 miles.
Existing DBS cardmembers will receive 40,000 miles.
1 mile per S$1 otherwise if monthly spend is below S$2,000.
Airmiles Overseas
3 miles per dollar
Airport Lounge Access
6 visits per year*
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Lounge visits Priority Pass
Complimentary Travel Insurance
Up to S$1,000,000
Things to consider for this product:
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Airport lounge
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Travel insurance
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Bonus air miles
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Monthly spend required
Earn up to 3 miles per dollar in every statement cycle where a min. eligible spend of S$2,000 is made.
Complimentary Priority Pass membership with 6 lounge visits a year.
Receive complimentary travel insurance coverage of up to S$1 million when you charge your full travel fare to this card.
Get access.to exclusive card offers and privileges with The Good Life programme.
Earn rewards points on education, rental, insurance, and tax payments via SC EasyBill.
Base earn rate of 1 mile per S$1.
A S$26.75 transfer fee is levied for every mileage transfer rewards code redeemed.
Annual fee is strictly non-waivable.
Terms and Conditions :
Installment Processing Fee: From 0.1 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 150000
American Express True Cashback Card
Annual Fee
S$ 174.4
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First Year Waived
Cashback Base Rate
1.5 %
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No minimum spend required. 3% cash back for the first S$5000 spend in the first 6 months.
Monthly Spend Required
None
Complimentary Travel Insurance
Yes
Things to consider for this product:
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No rebate cap
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No monthly spend required
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Travel insurance
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Annual fee waiver
1.5% unlimited cash rebate on all spend with no minimum spend.
3% unlimited cashback for first $5,000 for first 6 months.
Complimentary travel insurance.
Cashback credited on the same statement month.
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: Conditional
Maybank Platinum Visa Card
Cashback Local
Up to 3.33 %
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Quarterly cashback capped at S$30 with a minimum monthly spend of S$300 per quarter, and S$100 with a minimum monthly spend of S$1,000 per quarter. No quarterly cashback will be awarded if monthly minimum spend isn't met.
Monthly Spend Required
S$ 300
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Capped at S$30 cashback per quarter.
Cashback Base Rate
3.33 %
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Quarterly cashback capped at S$30 with a minimum monthly spend of S$300 per quarter, and S$100 with a minimum monthly spend of S$1,000 per quarter. No quarterly cashback will be awarded if monthly minimum spend isn't met.
Cashback Overseas
Up to 3.33 %
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Quarterly cashback capped at S$30 with a minimum monthly spend of S$300 per quarter, and S$100 with a minimum monthly spend of S$1,000 per quarter. No quarterly cashback will be awarded if monthly minimum spend isn't met.
Offer Available
Welcome Offer
Samsonite ENOW Spinner 69/25 EXP (worth S$570)
Valid until
31 October 2024
Welcome Offer
S$200 cashback
Valid until
31 October 2024
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Things to consider for this product:
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Local spending rebate
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Overseas rebate
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Annual Fee waiver
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Rebate cap applied
Get up to 3.33% cash rebate on all your local and foreign currency spend.
Earn up to 3% p.a. with the Maybank Save Up Programme, with spends on this credit card being one of the categories.
Complimentary travel insurance coverage of up to S$500,000.
Quarterly service fee of S$20 (First 3 Years Free). Subsequently, quarterly service fee is waived when you charge to your Card once every 3 months.
No quarterly cashback if minimum monthly spend is below S$300 each month in a quarter.
Cashback cap: S$100 per quarter.
Welcome Offer
Gift Options
Samsonite ENOW Spinner 69/25 EXP (worth S$570); or
S$200 cashback
Promotion is valid until 31 October 2024
Promotion is valid for new Maybank credit cardmembers and CreditAble account only
Apply and get approved for a new Maybank credit card and accumulate at least S$650 of credit card spend and/or CreditAble account withdrawals every month for 2 consecutive months from card approval date to be eligible for rewards
Promotion is valid until such date determined by Maybank at its absolute discretion
Maybank Manchester United Platinum Visa Credit Card
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.
Airmiles Base Rate
Up to 2 miles per dollar
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When Manchester United Wins a Premier Leage Match, otherwise earn 0.4 miles per dollar.
Earn 1% unlimited cashback and 1X TREATS Points (0.4 miles per dollar) on all transactions.
Earn up to 3% cashback and 5X TREATS Points when Manchester United Wins a Premier League match.
No minimum spend and no cashback cap.
Stand a chance to win a trip for 2 to watch Manchester United live every football season.
Complimentary travel insurance coverage of up to S$300,000.
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
Welcome Offer
Gift Options
Samsonite ENOW Spinner 69/25 EXP (worth S$570); or
S$200 cashback
Promotion is valid until 31 October 2024
Promotion is valid for new Maybank credit cardmembers and CreditAble account only
Apply and get approved for a new Maybank credit card and accumulate at least S$650 of credit card spend and/or CreditAble account withdrawals every month for 2 consecutive months from card approval date to be eligible for rewards
Promotion is valid until such date determined by Maybank at its absolute discretion
Get 1.6% unlimited cashback on all your local spend.
No minimum spend and no cashback cap.
Earn 10 TREATS Points for every S$5 spent on foreign currency transactions.
Stand a chance to win a trip for 2 to watch FC Barcelona live every football season.
Complimentary travel insurance coverage of up to S$300,000.
Overseas spend only earns you 0.8 miles per S$10.
Welcome Offer
Gift Options
Samsonite ENOW Spinner 69/25 EXP (worth S$570); or
S$200 cashback
Promotion is valid until 31 October 2024
Promotion is valid for new Maybank credit cardmembers and CreditAble account only
Apply and get approved for a new Maybank credit card and accumulate at least S$650 of credit card spend and/or CreditAble account withdrawals every month for 2 consecutive months from card approval date to be eligible for rewards
Promotion is valid until such date determined by Maybank at its absolute discretion
Complimentary Supplementary Cards for your loved ones.
Complimentary travel insurance coverage of up to S$500,000.
TREATS Points awarded calculated based on blocks of S$5.
Min. spend of S$300 each calendar month to qualify for bonus TREATS Points, capped at 30,000 bonus TREATS.
Welcome Offer
Gift Options
Samsonite ENOW Spinner 69/25 EXP (worth S$570); or
S$200 cashback
Promotion is valid until 31 October 2024
Promotion is valid for new Maybank credit cardmembers and CreditAble account only
Apply and get approved for a new Maybank credit card and accumulate at least S$650 of credit card spend and/or CreditAble account withdrawals every month for 2 consecutive months from card approval date to be eligible for rewards
Promotion is valid until such date determined by Maybank at its absolute discretion
Earn 10X TREATS Points (4 miles) per S$1 spent at specially selected retail stores, restaurants, and all petrol stations islandwide+.
Get up to 20.05% savings on petrol.
Complimentary green fees at world-class golf fairways.
Complimentary enrolment into Rewards Infinite Programme: TREATS Points never expire.
Free air miles conversion
Complimentary Plaza Premium airport lounge access with a minimum charge of S$1,000 in a single retail transaction.
Complimentary travel insurance coverage of up to S$1,000,000 when air tickets/travel packages are charged in full to the card.
TREATS Points awarded calculated based on blocks of S$5.
Annual income requirement: S$80,000.
Annual fee: S$240 (waived for first year only)
Welcome Offer
Gift Options
Samsonite ENOW Spinner 69/25 EXP (worth S$570); or
S$200 cashback
Promotion is valid until 31 October 2024
Promotion is valid for new Maybank credit cardmembers and CreditAble account only
Apply and get approved for a new Maybank credit card and accumulate at least S$650 of credit card spend and/or CreditAble account withdrawals every month for 2 consecutive months from card approval date to be eligible for rewards
Promotion is valid until such date determined by Maybank at its absolute discretion
Rebate of up to S$1,000 spent per month at DON DON DONKI outlets Capped at S$50 per month.
Rewards Points Baseline
1 Club Rewards Points per dollar
Things to consider for this product:
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Supermarket rebate
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Travel insurance
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Installment
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No expiry air miles
Up to 5% Rebate at DON DON DONKI with regular card.
Up to 2% Rebate at DON DON DONKI with S$500 Limit card.
Earn 1 Club Rewards Points when you spend outside DON DON DONKI. No expiry to your Club Rewards Points,
One complimentary lounge access per calendar year.
Complimentary insurance coverage of up to S$1 million for Regular Credit Cardmembers.
Rebates$ will expire after 60 days and will be forfeited if expired.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
DBS Takashimaya Visa Card
Minimum Annual Income
S$ 30,000
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S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).
Annual Fee
S$ 196.2
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First Year Waived
Cashback Retail
Up to 5 %
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In voucher rebates in Takashimaya Department Store (Indirect cashback) Every S$12 spent = 2 Takashimaya Bonus Points, S$600 spent = 100 Takashimaya Bonus Points = S$30 worth of Takashimaya vouchers, equivalent to 5% cashback.
Annual Fee Waiver
1 year
Things to consider for this product:
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Retail rebate
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Retail discount
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Voucher redeemable
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No rebate cap
Get up to 5% voucher rebates on your Takashimaya spend (up to 2 Takashimaya Points with every S$12 charged).
Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
Enjoy additional 10% off during selected sale events at Takashimaya Department Store.
Enjoy S$4 top-up to your CashCard for parking when you charge at least S$400 to your Card at Takashimaya Department Store.
Enjoy up to 5% discount at selected Takashimaya stores in Asia.
Rebates can only be redeemed for Takashimaya vouchers.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DBS Esso Card
Minimum Annual Income
S$ 30,000
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S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).
Annual Fee
S$ 196.2
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First Year Waived
Annual Fee Waiver
1 year
Fuel Savings
Up to 21.6 %
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18% discount at Esso + 3.6% cashback
Offer Available
Welcome Offer
S$120 cash rebate
Valid until
31 October 2024
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Things to consider for this product:
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Petrol savings
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Annual Fee required
Enjoy up to 21.6% fuel savings and 2.4% Smiles Savings at All Esso stations.
Auto-enrolment into the Esso Smiles Driver Rewards programme.
Earn Smiles Points on all Esso fuel spend and card retail spend.
Get interest-free payment plans for motor insurance and road tax.
Enjoy faster payments at Pay-at-the-Pump Systems at Esso service stations.
18% instant fuel discounts not applicable when paying via mobile wallets, including Apple Pay, Samsung Pay, and Google Pay.
Welcome Offer
Gift Options
S$120 cash rebate
Promotion is valid for new and existing DBS credit cardmembers
Apply for the DBS Esso Card and make a min. spend of S$180 on fuel per month for 2 months from date of card approval to be eligible for reward
With minimum spending of $800 per calendar month. 3% cashback on EV charging spend at Charging stations (e.g. SP Digital, Greenlots, Virta Charging Stations and City Energy).
Cashback Dining
5 %
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Online food delivery, local and overseas dining with min. S$800 spend per calendar month.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
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Petrol rebate
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Dining rebate
remove
Monthly spend required
6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
S$160 monthly cashback cap (up from S$80).
Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
2-year annual fee waiver.
Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
Travel$ is awarded in blocks of S$5 charged to the card per transaction.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
DCS Ultimate Platinum UnionPay Card
Annual Fee
S$ 196.2
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First Year Waived
Cashback Base Rate
2 %
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No minimum spend; cashback is capped at S$200 per calendar month.
Annual Fee Waiver
1 year
Complimentary Travel Insurance
Up to S$1,000,000
Things to consider for this product:
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Online shopping rebate
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Travel insurance
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No monthly spend required
remove
Rebate cap applied
Get up to 2% cashback on all purchases with no minimum spend.
Free Insurance Coverage of up to S$1,000,000.
Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
DBS Woman's Card
Rewards Points Online Shopping
Up to 5 DBS Points
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Or 2 miles per dollar per S$1, online only.
Rewards Points Online Food Delivery
Up to 5 DBS Points
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Or 2 miles per dollar per S$1, online only.
Rewards Points Taxi Ride Sharing
Up to 5 DBS Points
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Or 2 miles per dollar per S$1, online only.
Rewards Points Travel
Up to 5 DBS Points
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Or 2 miles per dollar per S$1, online only.
Things to consider for this product:
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Online shopping rebate
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Overseas rebate
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Installment
remove
Rebate cap applied
5X DBS points (10 miles) for every S$5 spent on online purchases.
1X DBS points (2 miles) for every S$5 spent on other purchases.
Complimentary e-commerce protection for online purchases.
Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
Both women and men can apply.
5X DBS points are only applicable for the first S$1,000 online spend per calendar month.
DBS points are awarded for every S$5 spent.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DBS Woman's World Card
Monthly Spend Required
None
Rewards Points Overseas Spending
10 DBS Points
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10X DBS Points per S$5 on online transactions; otherwise 1.2 miles per dollar (or 3X DBS Points).
Rewards Points Online Shopping
10 DBS Points per S$5
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10X DBS Points per S$5, online only.
Rewards Bonus Cap
S$ 1,500 per calendar month
Things to consider for this product:
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Online shopping rebate
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Overseas rebate
check
Installment
remove
Rebate cap applied
10X DBS points (20 miles) for every S$5 spent on online purchases.
3X DBS points (6 miles) for every S$5 spent on overseas purchases.
1X DBS points (2 miles) for every S$5 spent on other purchases.
Complimentary e-commerce protection for online purchases.
Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
Both women and men can apply.
DBS points are only awarded for every S$5 spent.
10X DBS points are only applicable for the first S$1,500 online spend per calendar month.
Minimum income requirement for Singaporeans/PRs: S$80,000.
Minimum income requirement for foreigners: S$80,000.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 80000
DCS Ultimate Platinum Mastercard
Annual Fee
S$ 196.2
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First Year Waived
Cashback Base Rate
2 %
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No minimum spend; cashback is capped at S$200 per calendar month.
Annual Fee Waiver
1 year
Complimentary Travel Insurance
Up to S$1,000,000
Things to consider for this product:
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Online shopping rebate
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Travel insurance
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No monthly spend required
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Rebate cap applied
Get up to 2% cashback on all purchases with no minimum spend.
Free Insurance Coverage of up to S$1,000,000.
Cashback is awarded up to a monthly spend of S$10,000 (capped at S$200 cashback per calendar month).
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: S$ 30000
DCS CASHBACK Card
Cashback Local
5 %
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Capped at S$50 each statement month.
Cashback Overseas
5 %
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Capped at S$50 each statement month.
Airport Lounge Access
1 visits per year
Complimentary Travel Insurance
Up to S$1,000,000
Things to consider for this product:
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Travel insurance
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Airport lounge
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Monthly spend required
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Rebate cap applied
Get up to 5% cash rebate on all eligible spending.
Receive complimentary personal accident insurance coverage for regular credit cardmembers of up to S$1 million.
Complimentary access to more than 1,000 airport lounges worldwide.
Basic cardholder enjoys one complimentary lounge access per year.
Requires minimum spend of S$400 to be eligible for cash rebate.
S$50 cashback cap per month.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
DCS Sheng Siong Card
Annual Fee
S$ 196.2
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First Year Waived
Airport Lounge Access
1 Visit per year
Cashback Supermarket
5 %
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Rebate of up to S$1,000 spent per month at Sheng Siong outlets Capped at S$50 per month.
Rewards Points Baseline
1 Club Rewards Points per dollar
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Every S$1 spent outside Sheng Shiong = 1 Club Rewards Point.
Things to consider for this product:
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Supermarket rebate
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Travel insurance
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Installment
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No expiry air miles
Up to 5% Rebate$ at Sheng Siong with regular card.
Up to 2% Rebate$ at Sheng Siong with S$500 Limit card.
Earn 1 Club Rewards Points when you spend outside Sheng Siong. No expiry to your Club Rewards Points
One complimentary lounge access per calendar year.
Complimentary insurance coverage of up to S$1 million for Regular Credit Cardmembers.
Rebates$ will expire after 30 days and will be forfeited if expired.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Minimum Annual Income: S$ 30000
DBS SAFRA Card
Cashback Base Rate
0.3 %
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Earned in the form of SAFRA$ Capped at SAFRA$50 per calendar month.
Cashback Local Online Shopping
3 %
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With minimum spend of S$500 Earned in the form of SAFRA$ Capped at SAFRA$50 per calendar month.
Cashback Contactless Spend
3 %
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With minimum spend of S$500 Earned in the form of SAFRA$ Capped at SAFRA$50 per calendar month.
Annual Fee
Not applicable
Things to consider for this product:
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Mobile contactless rebate
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Online shopping rebate
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Monthly spend required
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Rebate cap applied
Enjoy up to 3% cash rebate on local contactless spend and online shopping, including bus/train rides via SimplyGo.
Earn 1 SAFRAPOINT for every dollar spent at participating outlets and facilities at SAFRA.
Doubles as your SAFRA Membership Card.
Enjoy exclusive access to 7 SAFRA Clubhouse islandwide.
Combined DBS and SAFRA privileges that include exclusive discounts and perks at over 1,800 merchant outlets.
No annual fee charged as long as you remain a SAFRA memeber. SAFRA membership fees still applies..
Applicant must be an existing SAFRA member.
Must spend a min. of S$500 in a calendar month to earn 3% cash rebate.
Cash rebates earned will be in the form of SAFRA$ and is capped at SAFRA$50 per card account per calendar month.
SAFRA$ earn will expire 12 calendar months from the date it was earned. All expired SAFRA$ will be forfeited.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
DBS Live Fresh Student Card
Cashback Base Rate
0.3 %
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Capped at S$20
Cashback Local Online Shopping
5 %
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On selected eco-friendly merchants Capped at $15 per month.
Cashback Contactless Spend
5 %
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On McDonald's, Starbucks, Netflix, Spotify etc. Capped at S$15 per month Additional 5% Green Cashback on selected eco-friendly merchants Capped at $15 per month.
Monthly Spend Required
None
Things to consider for this product:
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Mobile contactless rebate
check
Local spending rebate
check
No income required
remove
Rebate cap applied
Enjoy 5% Cashback on McDonald's, Starbucks, Golden Village, Netflix and Spotify.
Enjoy additional 5% Green Cashback on selected eco-friendly Eateries, Retailers, and Transport Services.
0.3% Cashback on All Other Spend
5 Years Annual Fee Waiver
No minimum spend required
No minimum income required
Monthly credit limit of S$500
Monthly cashback cap of S$50
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Maximum Age: 27 years old
Minimum Annual Income: None
UOB Visa Infinite Metal Card
Airmiles Overseas
2.4 miles per dollar
Annual Fee
S$ 654
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Non-waivable
Airport Lounge Access
Unlimited visits
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Airport Companion Program by DragonPass For primary cardholder and one guest. US$28 per guest per visit will be charged for others.
Airmiles Local
1.4 miles per dollar
Things to consider for this product:
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Airport lounge
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Bonus air miles
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Overseas rebate
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Annual Fee required
Unlimited access to 1,300 airport lounges worldwide, for you and a guest.
Earn 2.4 air miles per S$1 spent in foreign currency, and 1.4 air miles per S$1 spent locally.
Bonus 15,000 air miles upon renewal with min. S$100,000 spend within membership year.
Waiver of miles conversion fees.
Complimentary welcome drinks and up to 50% off at select Michelin-starred and fine dining restaurants.
Complimentary 2 x S$5 GrabGifts vouchers monthly.
Travel with peace of mind with up to S$1,000,000 Travel Personal Accident Insurance coverage.
24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.
No annual fee waiver
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
OCBC NXT Credit Card
Cashback Local
Up to 1 %
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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.
Cashback Base Rate
0.5 %
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0.5% on all eligible retail spend below S$1,000 per calendar month. Max Cashback = S$100/month.
Installment Tenure
Up to 12 months
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Interest-free auto-instalments
Annual Fee
S$ 163.5
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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.
Things to consider for this product:
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Installment
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Rebate cap applied
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Monthly spend required
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Annual Fee required
Purchases are automatically split into monthly installments to ease your cashflow.
0% interest on monthly instalments.
Earn 1% cash rebates when your monthly bill is S$1,000 or more.
Not applicable to any cash advance, balance transfer, instalment payment plan, interest fees and other promotions and transactions.
Terms and Conditions :
Installment Processing Fee: No processing fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
OCBC Frank Card
Cashback Local
Up to 10 %
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For online transactions and contactless mobile transactions in SGD Additional 2% cashback at eco-friendly merchants and services capped at S$25 minimum spend of S$800 required.
Cashback Overseas
8 %
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For purchases made in foreign currency, both online and in stores capped at S$25 minimum spend of S$800 required.
Monthly Spend Required
S$ 800 per month
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Capped at S$100 cashback per calendar month, S$25 per category spend.
Annual Fee
S$ 196.2
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First Two Years Fee automatically waived with min. spend of S$10,000 from date of issue
Things to consider for this product:
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Contactless payment
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Overseas rebate
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Online shopping rebate
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Monthly spend required
Enjoy 8% cashback on foreign currency transactions.
Enjoy 8% cashback on online/contactless mobile transactions in SGD.
Enjoy 2% cashback at selected green merchants.
Annual fee waiver of 2 years
Minimum spend of S$800 required to earn higher cashback rate.
Cashback capped at S$100 per month.
Automatic annual fee waiver requires min. annual spend of S$10,000.
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
UOB Lady's Solitaire Card
Airmiles Local
6 miles per dollar
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Get up to 6 miles per dollar on up to 2 rewards categories out of 7; get 0.4 miles per dollar on all other spend.
Airmiles Overseas
6 miles per dollar
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Bonus UNI$ capped at 8,400 UNI$ (equivalent to S$3,000 spend) per month.
Airmiles Base Rate
0.4 miles per dollar
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Unlimited 0.4 miles per dollar on all other spend outside enrolled rewards category.
Airmiles Bonus Cap
UNI$ 8,400
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Bonus UNI$ capped at 8,400 UNI$ (equivalent to S$3,000 spend) per month.
Things to consider for this product:
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Local spending rebate
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Installment
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No monthly spend required
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Rebate cap applied
15X UNI$ for every S$5 spent (equivalent to 6 miles per S$1) on 2 of your preferred rewards categories..
UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases.
Complimentary travel insurance coverage of up to US$100,000.
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.
Base earn rates of 1 mile per S$1 on local spend and 2 miles per S$1 in foreign spend.
Step Up earn rates of 1.25 miles per S$1 on local spend and 2.25 miles per S$1 in foreign spend with min. S$50,000 eligible purchases within first 12 months of card issuance date.
Regular cardholders: 2x complimentary expedited immigration clearance per calendar year, thereafter min. S$2,000 eligible spend in a calendar month to qualify.
Regular cardholders: 2x complimentary airport limousine service per calendar year, thereafter min. S$2,000 eligible spend in a calendar month to qualify (capped at 24 usages per calendar year).
HSBC Premier customers: 4x complimentary expedited immigration clearance and airport limousine service each per calendar year.
Unlimited airport lounge access for primary and supplementary cardholders.
Up to US$2 million complimentary travel insurance coverage (including up to US$100,000 for COVID-19).
Complimentary concierge services for travel, golfing, dining, shopping, and business assistance.
Exclusive discounts on retail, dining, hotel stays, and more offers.
US$35 per guest per visit for airport lounge access.
HSBC Rewards Points expire after 37 months.
S$43.20 annual Mileage Programme fee (convert points into KrisFlyer and/or Asia Miles).
Expensive annual fee of S$656.08 for everyone, but S$492.56 annual fee reserved for HSBC Premier customers only.
Terms and Conditions :
Installment Processing Fee: Up to 5 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
BOC Visa Infinite Card
Cashback Local
1.6 %
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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.
Annual Fee Waiver
2 years
Airport Lounge Access
4 visits per year*
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Plaza Premium airport lounges globally
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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Airport lounge
1.6% cash rebate on all qualifying local spend and 1.8% cash rebate on all qualifying overseas spend.
No minimum spend and earn cap.
1.8% cash rebate on selected green merchants and electrical vehicle charging.
0.3% cash rebate on selected insurance and education spend.
4X complimentary access to participating Plaza Premium lounges annually.
Personalised concierge services with Visa Concierge.
S$120,000 annual income
S$378 annual fee
Terms and Conditions :
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
BOC Family Card
Cashback Dining
10 %
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With minimum monthly spend of S$800.
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 205.2
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First Year Waived
Cashback Transport
3 %
Things to consider for this product:
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Dining rebate
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Public transportation
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Monthly spend required
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Rebate cap applied
10% cash rebate on dining and movies.
5% cash rebate on Family Club Merchants, including Best Denki, Popular Bookstore, Unity Pharmacy, Watsons, and more.
3% cash rebate on public transport.
3% cash rebate on supermarket, online purchases, and hospital.
0.3% cash rebate on all other eligible spend.
S$205.20 annual fee (inclusive of GST).
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB Singtel-UOB Card
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First Year Waived
Cashback Local
1 %
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1% cashback if your Singtel bill and GOMO charges are less than S$50 per month.
Cashback Online Bill Payment Spending
Up to S$ 30
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Per calendar month for Singtel and GOMO charges S$500 and above.
2 Offers Available
Welcome Offer
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Valid until
30 November 2024
Welcome Offer
S$350 cash credit
Valid until
30 November 2024
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Things to consider for this product:
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Voucher redeemable
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Annual Fee waiver
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Rebate cap applied
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Monthly spend required
Enjoy up to S$360 cashback per year on your consolidated Singtel bills and monthly GOMO charges.
Enjoy exclusive Singtel privileges when you charge your card.
Get up to S$300 Sintel vouchers per year when you spend S$24,000 in a year.
Cashback only valid for Singtel bills and GOMO charges.
Welcome Offer
Gift Options
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 in the first 30 days from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for the first 200 new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 for 2 consecutive months from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
On dining, groceries, petrol and transport both local and overseas, with a minimum spend of S$600 per calendar month. Capped at S$150 per calendar month.
Cashback Dining
5 %
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On dining, groceries, petrol and transport both local and overseas, with a minimum spend of S$600 per calendar month. Capped at S$150 per calendar month.
Cashback Petrol
5 %
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On dining, groceries, petrol and transport both local and overseas, with a minimum spend of S$600 per calendar month. Capped at S$150 per calendar month.
Cashback Transport
5 %
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On Taxi/limo, ferries, or bus/MRT rides.
Things to consider for this product:
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Local spending rebate
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Overseas rebate
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Monthly spend required
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Rebate cap applied
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.
5% cash rebate on eligible dining, groceries, petrol, and transport transactions, both locally and abroad.
Earn additional 1% cashback with HSBC Everyday+.
Complimentary travel insurance coverage of up to S$1,000,000 (including COVID-19 coverage).
Enjoy a variety travel privileges.
No annual fee
1 Reward Point per S$1 for all other eligible transactions.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
UOB Preferred Platinum Visa Card
Cashback Local
Up to 2 %
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S$5 local spend = UNI$10 on eligible mobile contactless and online transactions. UNI$2000 redeems $20 vouchers. Equivalent to 2% cashback. Otherwise 0.2% cashback.
Min. Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First Year Waived
Annual Fee Waiver
1 year
2 Offers Available
Welcome Offer
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Valid until
30 November 2024
Welcome Offer
S$350 cash credit
Valid until
30 November 2024
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Things to consider for this product:
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Online shopping rebate
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Mobile contactless rebate
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Installment
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Rebate cap applied
4 miles per dollar on online shopping, mobile contactless, and entertainment transactions.
No minimum spend
2-year points validity
0.4 miles per dollar on all other eligible spend, including bus/MRT transactions.
Welcome Offer
Gift Options
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 in the first 30 days from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for the first 200 new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 for 2 consecutive months from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
Earn 1 mile per dollar on local spend, and 2 miles per dollar on overseas spend.
BOC Points can be converted into KrisFlyer Miles or Asia Miles.
S$30.28 miles conversion fee.
S$205.20 annual fee.
Terms and Conditions :
Eligibility :
Minimum Age: 21 years old
Maximum Age: N/A
Minimum Annual Income: S$ 30000
UOB Metro-UOB Card
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First Year Waived
Annual Fee Waiver
1 year
Cashback Department Store
10 %
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10% discount on regular-priced items with blue tags in Metro, 5% rebate on all merchandise and sale items.
2 Offers Available
Welcome Offer
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Valid until
30 November 2024
Welcome Offer
S$350 cash credit
Valid until
30 November 2024
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Things to consider for this product:
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Retail rebate
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Dining savings
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No monthly spend required
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No rebate cap
Get 10% off regular-priced items all year round at Metro.
Enjoy 5% Metro$ rebates on all merchandise, including sale items at Metro.
Earn UNI$1 for every S$5 spent; redeem over 1,000 rewards from dining treats to shopping vouchers.
Indulge in savoury treats and discounts at over 1,000 dining establishments.
20% off regular items in Metro on your birthday month.
Exclusive invites to Double Metro$ Day, events and previews.
Free delivery service when you spend a minimum of S$150 nett at Metro.
10% discounts applies to regular-priced items with a blue tag.
5% rebate is awarded in the form of Metro$ based on the nett amount charged to the Metro-UOB Card.
Welcome Offer
Gift Options
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 in the first 30 days from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for the first 200 new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 for 2 consecutive months from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
For all qualifying spend up to S$500 monthly per quarter.
Annual Fee Waiver
3 years
Things to consider for this product:
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Local spending rebate
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Overseas rebate
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Monthly spend required
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Rebate cap applied
Up to 8% cashback on your spending.
Flexibility in payment currency between USD and SGD for various payment modes in Singapore.
2.5% foreign transaction fee waiver if USD is used.
3-year annual fee waiver.
8% bonus cashback only applies to spends of above S$500 each month for 3 consecutive months.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
ICBC UnionPay Dual Currency Credit Card
Min. Annual Income
S$ 30,000
Annual Fee
S$ 30
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First Three Years Waived
Annual Fee Waiver
3 years
Cashback Local
Up to 8 %
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For all qualifying spend above S$500.
Things to consider for this product:
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Local spending rebate
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Overseas rebate
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Monthly spend required
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Rebate cap applied
Up to 8% cashback on your spending.
Flexibility in payment currency between USD and SGD for various payment modes in Singapore.
2.5% foreign transaction fee waiver if USD is used.
3-year annual fee waiver.
8% bonus cashback only applies to spends of above S$500 each month for 3 consecutive months, otherwise 0.5% cashback.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
UOB UnionPay Platinum Card
Minimum Annual Income
S$ 40,000
Annual Fee
S$ 196.2
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First Three Years Waived
Annual Fee Waiver
3 years
Cashback Local
2 %
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On eligible transactions, capped at S$50 per statement month. No minimum spend.
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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Petrol savings
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Rebate cap applied
2% cash rebate on all spends, no minimum spend required.
Up to 10% discount at over 100 International Airport Duty Free Shops.
Up to 21.6% fuel savings at SPC.
1-for-1 movie tickets at Shaw Theatres.
24-hour concierge service for personal lifestyle errands.
Total cash rebate is capped at S$50 per calendar month.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 40000
BOC Sheng Siong Card
Cashback Local
12 %
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Up to 12% with S$600 spend outside of Sheng Siong.
Min. Annual Income
S$ 30,000
Annual Fee
S$ 32.1
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First Year Waived
Annual Fee Waiver
1 year
Things to consider for this product:
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Supermarket rebate
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No rebate cap
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No monthly spend required
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Rebate cap applied
Enjoy up to 12% cash rebate at Sheng Siong.
Additional 6% cash rebate on your Sheng Siong purchases when you spend S$600 elsewhere.
1.6% unlimited cash rebate on your overseas spend including online purchases.
0.3% cashback on all other purchases.
Minimum S$600 out-store spending required to get the 12% cashback at Sheng Siong. Otherwise, you will be awarded with 6% cash rebate which is not subject to any minimum spend.
Total cash rebate for Sheng Siong is capped at S$75.
Terms and Conditions :
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
UOB Visa Signature Card
Minimum Annual Income
S$ 50,000
Annual Fee
S$ 218
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First Year Waived
Annual Fee Waiver
1 year
Rewards Points Local Spending
UNI$ 10
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On petrol, foreign currency transactions, and local Visa payWave (excluding SMART$ merchants) transactions.
2 Offers Available
Welcome Offer
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Valid until
30 November 2024
Welcome Offer
S$350 cash credit
Valid until
30 November 2024
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Things to consider for this product:
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Petrol rebate
check
Overseas rebate
check
Mobile contactless rebate
remove
Rebate cap applied
4 miles per dollar on contactless, overseas, and petrol transactions.
Travel insurance coverage of up to S$500,000.
S$1,000 monthly minimum spend.
Rewards bonus cap at S$2,000 per statement month.
Welcome Offer
Gift Options
AirPods Pro Gen 2 + 2x AirTag (worth S$439)
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 in the first 30 days from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
Welcome Offer promotion is valid until 30 November 2024.
Promotion is valid for the first 200 new-to-UOB credit cardmembers only.
Apply for eligible UOB credit cards with SMS registration, pay the first-year annual fee, and make a min. spend of S$1,000 for 2 consecutive months from card approval date to be eligible for rewards
To register via SMS, send CCA <space> last 4 alpha-numeric characters of your NRIC or Passport Number registered with UOB to 77862
First Two Years Fee Waived, if there is at least 1 transaction every quarter.
Annual Fee Waiver
2 years
Things to consider for this product:
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Local spending rebate
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No rebate cap
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No monthly spend required
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Student card
1% cashback on all spend.
Additional 8% off on Agoda till 31 Dec 2023.
Low quarterly service fee of $5. Waivable when you charge to your card once every three months.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 18 years old
Maximum Age: 30 years old
Minimum Annual Income: None
ICBC Chinese Zodiac Credit Card
Cashback Local
1.6 %
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No minimum spend and no cap on cashback earned.
Min. Annual Income
S$ 30,000
Annual Fee
S$ 150
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First Three Years Waived
Annual Fee Waiver
3 years
Things to consider for this product:
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Overseas rebate
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No rebate cap
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No monthly spend required
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Local spending rebate
1.6% unlimited cashback on local and overseas spend with no minimum spend.
3-year annual fee waiver.
12 different card designs to choose from.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
BOC Zaobao Credit Card
Cashback Dining
5 %
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Minimum spend of S$400 per statement month. Capped at S$30.
Cashback Overseas
1.5 %
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On retail spend
Annual Fee Waiver
2 years
Cashback Retail
1.5 %
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On retail spend
Things to consider for this product:
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No rebate cap
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Local spending rebate
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Overseas rebate
check
Dining rebate
1.5% unlimited cash rebate on local and overseas retail spend with no minimum spend.
Up to 10% cash rebate on Zaobao and SPH newspaper subscriptions with S$400 minimum spend per statement month.
Up to 5% cash rebate on dining S$400 minimum spend per statement month.
Waiver of Currency Exchange Fees for retail transactions in RMB.
Complimentary Sands Rewards Lifestyle Elite tier membership at Marina Bay Sands Rewards membership counter.
Bonus cash rebate capped at S$30 per statement month.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
BOC Qoo10 Platinum Card
Cashback Local Online Shopping
3 %
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On Qoo10 transactions in Qmoney with minimum spend of S$200.
Monthly Spend Required
S$ 200
Annual Fee Waiver
1 year
Cashback Transport
10 %
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In Qmoney with S$200 minimum spend.
Things to consider for this product:
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Online shopping rebate
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Public transportation
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Student card
remove
Monthly spend required
3% rebate in the form of Qmoney on Qoo10 transactions with S$200 minimum spend.
10% rebate in the form of Qmoney on public transport with S$200 minimum spend.
3% rebate in the form of Qmoney on Selected Category transactions with S$200 minimum spend.
0.3% rebate in the form of Qmoney on all other spend with S$200 minimum spend.
Minimum spend of S$200 for rebates.
Rebates are in the form of Qmoney and not cash.
Cap of S$30 Qmoney, which includes a maximum of S$10 Qmoney for Qoo10 transactions, and a maximum of S$20 Qmoney for all other transactions (inclusive of Selected Categories transactions) per calendar month.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 18 years old
Min. Annual Income: None
BOC Qoo10 World Mastercard Card
Cashback Local Online Shopping
Up to 10 %
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On Qoo10 transactions in Qmoney. 3% rebate with minimum spend of S$400, 10% rebate with minimum spend of S$800.
Monthly Spend Required
S$ 400
Annual Fee Waiver
1 year
Cashback Transport
15 %
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In Qmoney with S$800 minimum spend.
Things to consider for this product:
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Online shopping rebate
check
Public transportation
remove
Monthly spend required
remove
Rebate cap applied
3% rebate in the form of Qmoney on Qoo10 transactions with S$400 minimum spend.
10% rebate in the form of Qmoney on Qoo10 transactions with S$800 minimum spend.
15% rebate in the form of Qmoney on public transport with S$800 minimum spend.
3% rebate in the form of Qmoney on Selected Category transactions with S$800 minimum spend.
0.3% rebate in the form of Qmoney on all other spend with S$400 minimum spend.
Minimum spend for rebates.
Rebates are in the form of Qmoney and not cash.
Cap of S$70 Qmoney, which includes a maximum of S$30 Qmoney for Qoo10 transactions, and a maximum of S$40 Qmoney for all other transactions (inclusive of Selected Categories transactions), per calendar month.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
Maybank Visa Infinite Card
Airmiles Local
1.2 miles per dollar
Airmiles Overseas
2 miles per dollar
Min. Annual Income
S$ 150,000
Annual Fee
S$ 654
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First Year Waived
Things to consider for this product:
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Airport lounge
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No expiry air miles
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Airport transfer
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Annual Fee required
Up to 3X TREATS Points (1.2 mpd) on local spend.
Up to 5X TREATS Points (2 mpd) on foreign currency spend .
Complimentary enrolment into Maybank's Rewards Infinite Programme where TREATS Points never expire.
Dining, shopping, and travel deals via Maybank TREATS SG app.
Up to S$1,000,000 complimentary travel insurance coverage when you charge full travel fare to card.
Unlimited Priority Pass lounge visits per year for primary cardholders.
Complimentary Priority Pass membership renewal upon paying card annual fee or min. S$60,000 in eligible spend in previous card anniversary year.
Complimentary green fees all year round at over 100 golf courses worldwide.
1x complimentary airport limousine transfer on a Mercedes E-Class with min. S$3,000 eligible spend in previous calendar month.
1x complimentary JetQuay Service featuring private JetQuay host with min. S$3,000 eligible spend in previous calendar month.
25% off retail rates for meet-and-greet airport services in selected countries.
10% off car rentals worldwide with min. 1-day rental (plus 1 extra day rental with min. 6 days' rental).
24/7 Visa Concierge service and access to Visa Luxury Hotel Collection.
No complimentary airport lounge visits for supplementary cardholders and guests. US$32 per person per visit rate applies.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 150000
American Express CapitaCard
Cashback Retail
8 %
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At STAR$® XTRA participating merchants. Receive 80 STAR$ per S$1 spent, equivalent to 8% cashback.
Annual Fee
S$ 174.4
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First Year Waived
Cashback Base Rate
0.5 %
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At STAR$® XTRA participating merchants. Receive 65 STAR$ per S$1 spent, equivalent to 6.5% cashback and earn 5 STAR$® for every S$1 spent on eligible purchases outside CapitaLand Malls.
Annual Fee Waiver
1 year
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Retail rebate
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Department store rebate
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Annual Fee required
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Rebate cap applied
Up to 8% rebate in STAR$ when you spend at Capitaland Malls.
Enjoy 3-hour complimentary parking at participating CapitaLand Malls when you spend S$1,200 a month.
Annual fee of S$174.40 waived for the first year.
STAR$® can only be redeemed for eCapitaVoucher in denominations of 5,000, 10,000 or 50,000 STAR$® only.
STAR$® earned for spending at participating CapitaLand Malls are capped at S$1,200 per calendar month.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: Conditional
NTUC Link Credit Card by Trust Bank
Cashback Supermarket
Up to 21 %
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Cashback provided in Linkpoints. 2.5% base rate Earn unlimited savings of 0.5% on FPG groceries and 0.22% on all other eligible spend. Exclusive for FairPrice members only! Earn additional 2% on FPG groceries^, capped at 12,000 Linkpoints a year. 6.0% monthly bonus. Earn 6.0% on FPG spend when you meet a monthly minimum eligible spend of S$350 outside of FPG, capped at 5,500 Linkpoints. 10.5% quarterly bonus Earn 10.5% on FPG spend when you meet your monthly minimum eligible spend for 3 consecutive months, capped at 7,500 Linkpoints. 2.0% FairPrice annual member bonus. Earn 2% once a year on FPG groceries, capped at 12,000 Linkpoints.
Cashback Petrol
20 %
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Cashback provided in Linkpoints. Get 17% upfront discount +0.22% Linkpoints rebate on nett transaction amount +3.5% Linkpoints rebate on nett transaction amount if you meet minimum monthly spend = Total fuel savings up to 20%. Total Linkpoints rebates are subject to a cap of 5500 Linkpoints per month. Minimum monthly spend is S$450 for Trust Link Credit Card, and S$350 for NTUC Link Credit Card. Payment must be made using a Trust credit card. Valid from 1 March to 31 Dec 2023. Offer is only available if you present your Trust card to the counter staff and pay with it at physical stores or CaltexGO app.
Annual Fee
No Annual Fee
Foreign Currency Transaction Fee
No Foreign Currency Transaction Fee
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Supermarket rebate
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Petrol rebate
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Annual Fee waiver
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Monthly spend required
No foreign transaction fees (not even the 1% Visa charge).
Up to 21% savings on groceries and food at FairPrice Group merchants.
Up to 20.2% petrol savings at Caltex and Esso.
No annual fees and cash advance fees.
Track rewards and get repayment reminders with the Trust app.
Rates are exclusive for NTUC Union Members only. Savings are up to 15% for Non-Union Members.
Cashback provided in Linkpoints.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
Citi Clear Card
Rewards Points Overseas Spending
1 point per dollar
Rewards Points Local Spending
1 point per dollar
Minimum Annual Income
S$ 0
Minimum Age
18 years old
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No min. annual income requirement
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Earn 1X Point* for every S$1 spend
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Enjoy exclusive dining deals at over 1,000 eateries in Singapore
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• Enjoy online fashion, lifestyle and travel exclusives at your favourite online brands
Earn 1X Point* for every S$1 spend
Enjoy exclusive dining deals at over 1,000 eateries in Singapore
Enjoy online fashion, lifestyle and travel exclusives at your favourite online brands
Terms and Conditions :
Installment Processing Fee: From 0.5 %
Eligibility :
Minimum Age: 18 years old
Minimum Annual Income: S$ 0
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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.
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.
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.
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.
A credit card functions as a form of borrowing, enabling you to access funds up to a predetermined credit limit. The amount you charge to the card is referred to as the outstanding or unpaid balance, representing your debt.
To settle your dues, you have several options: you can clear the entire outstanding balance each month, make a partial payment, or opt for the minimum sum. It's essential to note that a high-interest charge, typically ranging from 25% to 29% per annum, is levied on the remaining balance and any new transactions made on the card.
Can I Get An Annual Fee Waiver for My Credit Card?
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To get an annual fee waiver for your credit card in Singapore, maintain a good credit history and promptly pay your bills. Contact your bank's customer service to request a waiver and politely negotiate. You can also emphasise your card usage and loyalty as a customer.
Each bank's policies may vary, so direct communication with your issuer is essential to understand specific requirements and processes. Do note that it is up to the bank’s discretion on whether they will waive your annual fee.
What is a Credit Score?
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A credit score is a numerical representation of an individual's creditworthiness. It is calculated based on their credit history, payment behaviour, outstanding debts, and credit utilisation.
The score typically ranges from 1000 to 2000, with higher scores indicating lower credit risk. Lenders, such as banks and credit card companies, use credit scores to assess the likelihood of a borrower repaying debts responsibly.
A higher credit score increases the chances of obtaining loans, credit cards, and favourable interest rates, while a lower score may lead to loan rejections or higher interest rates due to perceived higher risk.
Monitoring and maintaining a good credit score is crucial for financial opportunities and access to credit facilities in Singapore.
How do I Check My Credit Score?
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To check your credit score in Singapore, you can request a credit report from the Credit Bureau Singapore (CBS). CBS is the primary credit reference agency in Singapore.
To obtain your report, you can visit the CBS website and follow the instructions to request your credit score. Alternatively, you can also purchase additional credit reports if needed.
Reviewing your credit score allows you to assess your creditworthiness and identify any discrepancies or areas for improvement in your credit history.
Can I Increase My Credit Limit?
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To increase your credit limit in Singapore, follow these steps.
Firstly, maintain a positive credit history by making timely payments and keeping your outstanding balances low. Avoid defaulting on any loans or credit card payments.
Secondly, regularly review your credit card bill to ensure accuracy and dispute any errors if found.
Thirdly, demonstrate responsible credit usage by judiciously using your existing credit card and avoiding maxing out your limit.
Fourthly, contact your credit card issuer and request a credit limit increase, providing reasons such as increased income or improved creditworthiness.
Lastly, be patient and allow your credit card issuer time to assess your request before they grant an increase, which may take several weeks or months.
What’s the difference between a credit card and a debit card?
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The main difference between a credit card and a debit card lies in their source of funds.
A credit card allows users to borrow money up to a predetermined credit limit set by the card issuer. When a purchase is made with a credit card, the cardholder accumulates debt that needs to be repaid later, usually on a monthly basis, along with any accrued interest charges if the balance is not paid in full.
On the other hand, a debit card is linked directly to the cardholder's bank account. When a purchase is made using a debit card, the funds are immediately deducted from the account, and no debt is incurred. This means that a debit card only allows spending within the available balance in the linked account.
Unlike a credit card, there is no need to repay borrowed money or accumulate interest charges with a debit card.
What’s the difference between miles, cashback and rewards points
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Miles, cashback, and rewards points are different types of credit card incentives. Miles are typically associated with travel credit cards, where cardholders earn points based on their spending, which can be redeemed for airline tickets or hotel stays.
Cashback, as the name suggests, provides a percentage of the cardholder's spending back in cash, directly reducing the overall bill.
Rewards points are a more versatile option, allowing cardholders to accumulate points with each purchase, which can be redeemed for various items, including merchandise, gift cards, or even travel bookings.
The key distinction lies in their redemption options: miles are travel-specific, cashback provides immediate cash benefits, and rewards points offer a broader range of redemption choices. Cardholders often choose the incentive that aligns with their spending habits and preferences.