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Best Cashback Credit Cards with no Minimum Spend in Singapore 2024

Having difficulty hitting the minimum spend requirements for your cashback credit card? If you answered “yes”, these no-frills credit cards offer effortless cashback on all eligible transactions without minimum spending requirements.
See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

Fastest Cash Fulfillment
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Cashback Local
6  %
Cashback Overseas
0.5  %
info
Annual Fee
No Annual Fee
info

2 Offers Available

SingSaver Concert Giveaway
Get 1x chance to win a VIP Suite Concert Experience
Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

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

Valid until

04 May 2025

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

Valid until

04 May 2025

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

Valid until

04 May 2025

SingSaver Exclusive Offer
S$250 Shopee voucher
S$250 Shopee voucher

Valid until

04 May 2025

SingSaver Exclusive Offer
S$200 Cash via PayNow
S$200 Cash via PayNow

Valid until

04 May 2025

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Fastest Cash Fulfillment
(Loyalty Rewards) Standard Chartered Smart Credit Card

(Loyalty Rewards) Standard Chartered Smart Credit Card

Cashback Local
6  %
Cashback Overseas
0.5  %
info
Annual Fee
No Annual Fee
info

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Fastest Cash Fulfillment
(Dobin Exclusive) Standard Chartered Smart Credit Card

(Dobin Exclusive) Standard Chartered Smart Credit Card

Cashback Local
6  %
Cashback Overseas
0.5  %
info
Annual Fee
No Annual Fee
info

Offer Available

Dobin Exclusive Offer
2,000 Dobin$
2,000 Dobin$

Valid until

30 April 2025

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Fastest Cash Fulfillment
(Heymax Exclusive) Standard Chartered Smart Credit Card

(Heymax Exclusive) Standard Chartered Smart Credit Card

Cashback Local
6  %
Cashback Overseas
0.5  %
info
Annual Fee
No Annual Fee
info

Offer Available

Heymax Exclusive Offer
10,000 Max Miles
10,000 Max Miles

Valid until

30 April 2025

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

Maybank DUO Platinum Mastercard

Maybank DUO Platinum Mastercard

Cashback Local
5  %
info
Cashback Overseas
1.5  %
info
Annual Fee
S$ 130.8
info

Things to consider for this product:

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Petrol rebate

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Overseas rebate

check

Travel insurance

check

Annual Fee waiver

Citi Cash Back+ Card

Citi Cash Back+ Card

Cashback Local
Up to 3.25  %
info
Cashback Overseas
3.25  %
info
Annual Fee
S$ 196.2
info

3 Offers Available

SingSaver Concert Giveaway
Get 1x chance to win a VIP Suite Concert Experience
Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer
S$400 Cash via PayNow
S$400 Cash via PayNow

Valid until

04 May 2025

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

Valid until

04 May 2025

SingSaver Exclusive Offer
Dyson Supersonic™ hair dryer (worth S$649)
Dyson Supersonic™ hair dryer (worth S$649)

Valid until

04 May 2025

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

Valid until

04 May 2025

SingSaver Exclusive Offer
Dyson V12 Origin (worth S$749)
Dyson V12 Origin (worth S$749)

Valid until

04 May 2025

SingSaver Exclusive Offer
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Valid until

04 May 2025

Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

Valid until

04 May 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Creatory Exclusive) Citi Cash Back+ Card

(Creatory Exclusive) Citi Cash Back+ Card

Cashback Local
Up to 3.25  %
info
Cashback Overseas
3.25  %
info
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Fast Fulfillment Rewards) Citi Cash Back+ Card

(Fast Fulfillment Rewards) Citi Cash Back+ Card

Cashback Local
Up to 3.25  %
info
Cashback Overseas
3.25  %
info
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Dobin Exclusive) Citi Cash Back+ Card

(Dobin Exclusive) Citi Cash Back+ Card

Cashback Local
Up to 3.25  %
info
Cashback Overseas
3.25  %
info
Annual Fee
S$ 196.2
info

Offer Available

Dobin Exclusive Offer
3,200 Dobin$
3,200 Dobin$

Valid until

30 April 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

(Heymax Exclusive) Citi Cash Back+ Card

(Heymax Exclusive) Citi Cash Back+ Card

Cashback Local
Up to 3.25  %
info
Cashback Overseas
3.25  %
info
Annual Fee
S$ 196.2
info

Offer Available

Heymax Exclusive Offer
17,000 Max Miles
17,000 Max Miles

Valid until

30 April 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

Maybank Manchester United Platinum Visa Credit Card

Maybank Manchester United Platinum Visa Credit Card

Cashback Local
Up to 3  %
info
Cashback Overseas
Up to 3  %
info
Annual Fee
S$ 87.2
info

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Travel insurance

DCS Ultimate Platinum UnionPay Card

DCS Ultimate Platinum UnionPay Card

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
CATERPILLAR Industrial Plate Trunk (worth S$320)
CATERPILLAR Industrial Plate Trunk (worth S$320)

+ 1 other gift options

Valid until

30 April 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel insurance

check

No monthly spend required

remove

Rebate cap applied

DCS Ultimate Platinum Mastercard

DCS Ultimate Platinum Mastercard

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
CATERPILLAR Industrial Plate Trunk (worth S$320)
CATERPILLAR Industrial Plate Trunk (worth S$320)

+ 1 other gift options

Valid until

30 April 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel insurance

check

No monthly spend required

remove

Rebate cap applied

(Loyalty Rewards) Standard Chartered Simply Cash Credit Card

(Loyalty Rewards) Standard Chartered Simply Cash Credit Card

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

(Dobin Exclusive) Standard Chartered Simply Cash Credit Card

(Dobin Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Annual Fee
S$ 196.2
info

Offer Available

Dobin Exclusive Offer
2,500 Dobin$
2,500 Dobin$

Valid until

30 April 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

(Heymax Exclusive) Standard Chartered Simply Cash Credit Card

(Heymax Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Annual Fee
S$ 196.2
info

Offer Available

Heymax Exclusive Offer
12,500 Max Miles
12,500 Max Miles

Valid until

30 April 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

UOB Absolute Cashback Card

UOB Absolute Cashback Card

Cashback Local
Up to 1.7  %
Cashback Overseas
Up to 1.7  %
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

30 April 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

BOC Visa Infinite Card

BOC Visa Infinite Card

Cashback Local
1.6  %
info
Cashback Overseas
1.8  %
info
Annual Fee
S$ 374.5
info

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Airport lounge

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

Cashback Local
1.6  %
info
Cashback Overseas
1.6  %
info
Annual Fee
S$ 130.8
info

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

ICBC Chinese Zodiac Credit Card

ICBC Chinese Zodiac Credit Card

Cashback Local
1.6  %
info
Cashback Overseas
1.6  %
info
Annual Fee
S$ 150
info

Things to consider for this product:

check

Overseas rebate

check

No rebate cap

check

No monthly spend required

check

Local spending rebate

American Express True Cashback Card

American Express True Cashback Card

Cashback Local
1.5  %
info
Cashback Overseas
1.5  %
info
Annual Fee
S$ 174.4
info

Offer Available

Welcome Offer
Apple AirPods Gen 4 (worth S$199)
Apple AirPods Gen 4 (worth S$199)

Valid until

30 June 2025

Welcome Offer
S$120 eCapitaVoucher
S$120 eCapitaVoucher

Valid until

30 June 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Travel insurance

check

Annual fee waiver

DBS Vantage Visa Infinite Card

DBS Vantage Visa Infinite Card

Cashback Local
1.5  %
info
Cashback Overseas
2.2  %
info
Annual Fee
S$ 599.5
info

Offer Available

Welcome Offer
Receive up to 85,000 miles
Receive up to 85,000 miles

Valid until

30 April 2025

Things to consider for this product:

check

Bonus air miles

check

Local spending rebate

check

Overseas rebate

check

Airport lounge

Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

Cashback Local
1.5  %
info
Cashback Overseas
1.5  %
info
Annual Fee
S$ 196.2
info

5 Offers Available

SingSaver Concert Giveaway
Get 1x chance to win a VIP Suite Concert Experience
Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

Richest Offer in the Market; Exclusively on SingSaver
Dyson Supersonic™ hair dryer (worth S$649) (Top up S$50)
Dyson Supersonic™ hair dryer (worth S$649) (Top up S$50)

Valid until

04 May 2025

Richest Offer in the Market; Exclusively on SingSaver
Sony ZV-1F Vlog Camera (worth S$769) (Top up S$30)
Sony ZV-1F Vlog Camera (worth S$769) (Top up S$30)

Valid until

04 May 2025

Welcome Offer
2% Upsized Cashback
2% Upsized Cashback

Valid until

30 April 2025

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

Valid until

04 May 2025

Richest Offer in the Market; Exclusively on SingSaver
Bose QuietComfort Ultra Wireless Noise Cancelling Headphones (worth S$599)
Bose QuietComfort Ultra Wireless Noise Cancelling Headphones (worth S$599)

Valid until

04 May 2025

Richest Offer in the Market; Exclusively on SingSaver
S$400 Shopee voucher
S$400 Shopee voucher

Valid until

04 May 2025

Richest Offer in the Market; Exclusively on SingSaver
S$360 Cash via PayNow
S$360 Cash via PayNow

Valid until

04 May 2025

Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

Valid until

04 May 2025

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

UOB Regal Business Metal Card

UOB Regal Business Metal Card

Cashback Local
1.5  %
info
Cashback Overseas
2  %
info
Annual Fee
S$ 686.36
info

Things to consider for this product:

check

Airport lounge

check

Dining rebate

check

Overseas rebate

remove

Annual Fee required

(Creatory Exclusive) Standard Chartered Simply Cash Credit Card

(Creatory Exclusive) Standard Chartered Simply Cash Credit Card

Cashback Local
1.5  %
info
Cashback Overseas
1.5  %
info
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

First year annual Fee waiver

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

 

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

 

How does a Cashback Credit Card with no Minimum Spend Work?

A Cashback Credit Card with no minimum spend requirement provides cashback on all eligible transactions without the need to reach a minimum spending amount. You can earn cashback on all qualifying purchases, making it a straightforward and hassle-free way to enjoy cashback without meeting specific spending requirements.

 

How to best use a Cashback Credit Card with no Minimum Spend

To make the most of a Cashback Credit Card with no Minimum Spend, follow these effective strategies.

 

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Who should use a Cashback Credit Card with no Minimum Spend?

A Cashback Credit Card with no Minimum Spend is ideal for these types of users:

 

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Things to look out for when choosing a Cashback Credit Card with no Minimum Spend

When selecting a Cashback Credit Card with no Minimum Spend, consider the following factors to maximise your rewards and benefits:

 

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Frequently Asked Questions

Do all credit cards have minimum spend?

expand_more

No, not all credit cards have a minimum spend requirement. While some credit cards have minimum spending requirements that cardholders must reach to qualify for bonus rewards or benefits, some credit cards offer cashback without any minimum spending obligation. 

These no-minimum-spend credit cards provide the flexibility to earn rewards on all eligible transactions, regardless of the purchase amount. Users can enjoy cashback or other benefits from the very first dollar spent, making these cards suitable for individuals with varying spending patterns and preferences. 

Exploring different credit card options is essential to find one that aligns with your spending habits and rewards preferences.

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