Compare the best credit cards

Did you know? 78% of Singapore credit card holders own between 2 to 6 credit cards.
Click on a category below to compare the best cards in its class.

Best Credit Cards (All)

  • No Annual Fee
  • Promo
4.7
Citi PremierMiles Visa Card
Bank:
  • Citibank
Type:
  • Miles
$1 = 1.2
Miles
on Local Spend
$1 = 2
Miles
on all Foreign Currency Spend including Retail and Online
$1 = 10
Miles
on selected online hotel and flight bookings
Summary:
Generous Welcome Gift miles promotions. Miles never expire, plus free airport lounge access and up to 10 miles per dollar on hotel bookings
MORE DETAILS

Key Features

  • Earn up to 10 Citi Miles per S$1 spent on online travel bookings
  • Citi Miles never expire
  • 1 Citi Mile = 1 Mile with Krisflyer, Asia Miles, Qantas and other airlines' Frequent Flyer and Hotel Loyalty Programs
  • 2 Citi Miles for every S$1 spent in foreign currency on retail and online purchases
  • 1 year annual fee waiver for basic and perpetual fee waiver for all supplementary cards

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee No annual fee
Fee Waiver First year

Minimum Income Requirements

Singaporean $30,000
Foreigner $42,000

Interest Rate

Annual Interest Rate 26.9%
Minimum Monthly Repayment 1% or S$50, whichever is higher
Interest Free Period 25 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa payWave
  • No Annual Fee
  • Promo
4.4
Citibank SMRT Card
Bank:
  • Citibank
Type:
  • Cashback
5%
cashback on Groceries, Dining (fast food and cofee), Movies and selected merchants
$300
minimum monthly spend for headline rate
0.3%
base cashback rate for all other retail spend
Summary:
The savings really add up with this cashback card, which has practically no minimum spend. Earn 5% cashback on Groceries and Dining (fast food and cofee), 3% on Online Shopping; lose only 0.3% if you do not meet the minimum spend of $300.
Promo1:
Welcome gift - S$120 cash back
MORE DETAILS

Key Features

  • 5% cashback on Groceries (7.3% for FairPrice Xtra-Kallang Wave), Dining (fast food and cofee) and Movies.
  • 5% cashback on the folowing other merchants: Pet Lovers Centre, POPULAR Bookstores, Toys "R" Us.
  • 3% cashback on Online Shopping.
  • 2% cashback at Health & Beauty merchants (GNC, Guardian, Nature's Farm, NTUC Unity Healthcare, Watson's), and EZ-Reload transactions.
  • Minimum monthly spend of $300 required for the above rates; lose 0.3% if $300 spend is not met.
  • Cashback rebates are capped at $600 every 12 month period; must be redeemed using Citibank Online portal.
  • 0.3% cashback on all other spend.
  • 2 year annual fee waiver.

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee No annual fee
Fee Waiver First 2 years

Minimum Income Requirements

Singaporean $30,000
Foreigner $42,000

Interest Rate

Annual Interest Rate 26.9%
Minimum Monthly Repayment 1% or S$50, whichever is higher
Interest Free Period 25 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa payWave
  • Promo
  • Golf Privileges
4.5
Citi Prestige Card
Bank:
  • Citibank
Type:
  • Reward Points
$1 = 5X
reward points on Overseas Spend in foreign currency
$1 = 3.25X
reward points on Local Spend
1X = 0.4
Miles
reward points to miles conversion
Summary:
Premium credit card with great travel perks -- unlimited airport lounge access, 6 complimentary golf games, limousine transfers and more -- and good miles accrual rates.
MORE DETAILS

Key Features

  • 5X ThankYou Points (2 miles) per $1 on overseas spent in foreign currency.
  • 3.25X ThankYou Points (1.3 miles) per $1 on local spend.
  • Citi World Privileges: Access to deals and discounts locally in over 90 other countries.
  • Citi ThankYou Rewards Travel Portal: Fly & stay with no blackout dates
  • 1 complimentary night stay when you book a minimum consecutive four-night stay at any hotel or resort.
  • 6 complimentary golf games per year at highly celebrated golf courses in Singapore, Malaysia, Indonesia and China.
  • Unlimited airport lounge access for primary card members and one accompanying guest at over hundreds of VIP airport lounges in cities around the world through Priority Pass.
  • Complimentary one-way airport limousine transfers to or from Changi International Airport; enjoy 2 complimentary rides per quarter with a minimum spend of S$20,000 within the same quarter.
  • Complimentary travel insurance, with medical coverage of up till $1 million (up to $50,000 for your accompaying dependent child).

Annual Fees

Principle Annual Fee $535
Supplementary Annual Fee No annual fee
Fee Waiver First year

Minimum Income Requirements

Singaporean $120,000
Foreigner $120,000

Interest Rate

Annual Interest Rate 26.9%
Minimum Monthly Repayment 1% or S$50, whichever is higher
Interest Free Period 25 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa payWave

Popular Cards

  • No Annual Fee
  • Promo
4.8
DBS Live Fresh Card
Bank:
  • DBS
Type:
  • Cashback
Up to 10%
cashback on transport spend
5%
cashback for online & Visa contactless spend
Free
entry to Phuture & Zouk before 12am
Summary:
One of the best cards for mobile payments and online shopping. 5% cashback on Visa contactless spend and Online Shopping, plus free entry to Zouk before 12 midnight and drink discounts.
MORE DETAILS

Key Features

  • 5% cashback on Online Shopping (cap of $20 per month)
  • 5% cashback on Visa contactless spend (cap of $20 per month)
  • Up to 10% cashback on Transport Spend for bus/train rides via SimplyGo, taxi and ride-hailing services (Ride, GoJek, etc). 10% cashback rate is based on 5% from online/Visa contactless spend, plus an additional 5% promo cashback for Transport Spend (cap of $20 per month) for the first 180 days from your Card Approval Date when you apply for the card before 31 March 2020 and spend a minimum of $600 in a calendar month.
  • 0.3% cashback on all other spend (cap of $20 per month)
  • Total cap of $20 (Online Shopping) + $20 (Visa contactless spend) + $20 (all other spend) + $20 (promo 5% additional Transport Spend cashback) for a total of $80 per month, with a minimum spend of $600.
  • Free entry to Zouk / Phuture before 12am, 1-for-1 drinks at Redtail from 10pm to 2am, plus other drink discounts.
  • 1 year annual fee waiver

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee $96.30
Fee Waiver 1 year

Minimum Income Requirements

Singaporean $30,000
Foreigner $45,000

Interest Rate

Annual Interest Rate 26.8%
Minimum Monthly Repayment $50 or 3% of outstanding amount, whichever is greater
Interest Free Period 20 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa payWave
  • No Annual Fee
  • Promo
  • Golf Privileges
4.8
DBS Altitude Visa Signature Card
Bank:
  • DBS
Type:
  • Miles
$1 = 10
Miles
on hotel bookings at Kaligo
$1 = 4
Miles
on daily transport spend (bus, train, taxi rides, petrol)
$1 = 6
Miles
on flight & hotel transactions at Expedia
Summary:
Voted the best travel credit card by Tripzilla. Earn 6 miles per $1 at Expedia, 10 miles for hotel bookings at Kaligo, and up to 4 miles on your daily transport. Miles never expire.
MORE DETAILS

Key Features

  • Earn 10 miles per $1 when you book hotels on Kaligo, 6 miles per $1 on flight and hotel transactions at Expedia.
  • 4 miles per $1 on daily rides (Comfort/CitiCab Taxi), Grab, GOJEK, and bus and MRT rides using SimplyGo
  • Complimentary Airport Lounge access (Priority Pass) & travel insurance coverage of up to $1 million.
  • 3 miles per $1 on online flight & hotel transactions, 2 miles on overseas spend, and 1.2 miles on local spend.
  • Complimentary Priority Pass airport lounge access access to over 1,200 airport lounges worldwide: 2 free lounge visits per year.
  • Complimentary travel insurance, with coverage of up to S$1 million.
  • 1 year annual fee waiver.
  • Miles never expire. Earn an additional 10,000 miles when paying the annual fee; charge a minimum of $25,000 to receive annual fee waiver for the following year.

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee $96.30
Fee Waiver 1 year

Minimum Income Requirements

Singaporean $30,000
Foreigner $45,000

Interest Rate

Annual Interest Rate 26.8%
Minimum Monthly Repayment $50 or 3% of outstanding amount, whichever is greater
Interest Free Period 20 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa payWave
  • No Annual Fee
  • For Women
4.8
DBS Woman's World Card
Bank:
  • DBS
Type:
  • Reward Points
$5 = 10X
Points
on Online Spend
$5 = 1X
Point
on all other spend
1X = 2
Miles
Reward Points to Miles conversion
Summary:
Fantastic card for accruing miles from your online shopping needs; enjoy 0% interest payment plans and complimentary e-commerce protection for your online purchases.
MORE DETAILS

Key Features

  • 10X DBS Points (equivalent of 20 Miles) per $5 spent online; 1X DBS Points (equivalent of 2 Miles) per $5 for all other spend.
  • 3x DBS Points (equivalent of 6 Miles) per $5 spend overseas in foreign currency.
  • 0% Interest Payment Plans over 12 months available.
  • Complimentary e-Commerce Protection on online purchases.
  • Great for making big online purchases due to a cap of 8,000 miles per month.
  • 1 year annual fee waiver.

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee $96.30
Fee Waiver 1 year

Minimum Income Requirements

Singaporean $80,000
Foreigner $80,000

Interest Rate

Annual Interest Rate 26.8%
Minimum Monthly Repayment $50 or 3% of outstanding amount, whichever is greater
Interest Free Period 20 days

Other Info

Card Association
  • MasterCard
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • MasterCard PayPass
  • No Annual Fee
  • Promo
4.7
OCBC 365 Credit Card
Bank:
  • OCBC
Type:
  • Cashback
6%
cashback on Dining & online food orders
3%
cashback on Groceries, Transport, Bills, Online Travel spend
Up to 24.6%
fuel savings at Caltex; plus fuel savings at ESSO
Summary:
Great everyday card with fantastic coverage of spend categories. 6% cashback on Dining, 5% on Petrol, 3% on Groceries, Transport, Bills and Online Travel spend. $80 monthly cashback cap with $800 minimum spend. Free travel insurance.
MORE DETAILS

Key Features

  • 6% cashback on Dining and online food delivery.
  • 5% cashback on fuel spend; up to 24.6% total fuel savings at Caltex; up to 20.4% total fuel savings at Esso.
  • 3% cashback on Groceries (local and overseas, supermarket retailers or online groceries sites)
  • 3% cashback on local and overseas private hire rides, including bikes (Grab, Gojek, Tada, etc) and local and overseas taxis. 0.3% cashback on EZ-Link and Transit Link transactions, up to $0.60 per month.
  • 3% cashback on recurring telco bills and electricity bills.
  • 3% cashback on online Travel Spend: online air and cruise tickets purchase, online hotel and tour bookings
  • Headline rates above are only with monthly minimum spend of $800.
  • 0.3% cashback on all other expenses.
  • $80 cashback cap per month.
  • 2 years annual fee waiver.

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee $96.30
Fee Waiver 2 years

Minimum Income Requirements

Singaporean $30,000
Foreigner $45,000

Interest Rate

Annual Interest Rate 26.88%
Minimum Monthly Repayment $50 or 3% of outstanding amount, whichever is greater
Interest Free Period 23 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • No Annual Fee
  • Promo
4.2
OCBC FRANK Credit Card
Bank:
  • OCBC
Type:
  • Cashback
6%
cashback on Online Spend
$60
cashback cap per month
$400
Minimum spend per month on offline purchases
Summary:
Tailored for young adults, with 6% cashback for online spend, 5% entertainment rebate from Fri to Sun (3% all other days). 120 different card faces to choose from.
MORE DETAILS

Key Features

  • 6% cashback on all online purchases, including Grab rides.
  • 5% cashback from Friday to Sunday (3% for all other days) at bars, cinemas, KTVs, clubs and selected cafes (Starbucks, The Coffee Bean & Tea Leaf, The Connoisseur Concerto (tcc), Dimbulah Coffee, Coffee Club)
  • Above headline rates are capped at $60 per month, and require minimum monthly spend of $400 at offline retail stores.
  • 0.3% cashback rebate on everything else.
  • Up to 16% discount at Caltex and Esso petrol stations; 20% off fuel at Sinopec stations
  • 120 different card faces to choose from.
  • 2 years' annual fee waiver; charge a minimum of $10,000 per year to waive fee for subsequent years.

Annual Fees

Principle Annual Fee $80
Supplementary Annual Fee $40
Fee Waiver 2 years

Minimum Income Requirements

Singaporean $30,000
Foreigner $45,000

Interest Rate

Annual Interest Rate 26.88%
Minimum Monthly Repayment $50 or 3% of outstanding amount, whichever is greater
Interest Free Period 23 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa payWave
OCBC Titanium Rewards Credit Card (Blue)
Bank:
  • OCBC
Type:
  • Reward Points
$1 = 10X
OCBC$
on clothes, electronics, babies/children wear, and at department stores
$1 = 10X
OCBC$
at Lazada, Qoo10, Amazon, Shopee, Taobao, and other select stores
10X = 4
Miles
Reward Points to Miles conversion
Summary:
Get rewarded more: Earn 4 miles per $1 on your shopping on clothes, electronics/gadgets, babies' and children wear; and on all items at select online/offline retail stores.
MORE DETAILS

Key Features

  • 10X OCBC$ (4 miles) per $1 spent at department stores, and merchants identified as specialty shops for (i) clothes, shoes and bags, (ii) babies and children's wear, and (iii) electronics and gadgets.
  • 10X OCBC$ (4 miles) per $1 spent at the following stores: Alibaba, AliExpress, Amazon, Courts, Daigou, Ezbuy, IKEA, Lazada, Mustafa Centre, Qoo10, Shopee, Taobao.
  • 10X OCBC$ rate is capped at 120,000 OCBC$ per year (spend of $12,000). Thereafter, all transactions will earn 1X OCBC$.
  • Up to 16% discount at Caltex and Esso petrol stations; 20% off fuel at Sinopec stations.
  • Access to more than 1,000 lounges with Mastercard Airport Experiences provided by LoungeKey, at US$27 per visit per pax.
  • Complimentary e-Commerce Protection, up to US$200 per year.
  • 2 years annual fee waiver.

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee $96.30
Fee Waiver 2 years

Minimum Income Requirements

Singaporean $30,000
Foreigner $45,000

Interest Rate

Annual Interest Rate 26.88%
Minimum Monthly Repayment $50 or 3% of outstanding amount, whichever is greater
Interest Free Period 23 days

Other Info

Card Association
  • MasterCard
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
Standard Chartered Rewards Plus Credit Card
Bank:
  • Standard Chartered
Type:
  • Reward Points
10X
Points
per $1 on Overseas Spend
5X
Points
per $1 on Local Dining
0.29
Miles
when converting 1x Reward Point to Miles
Summary:
Upsize your rewards for Dining (5X Rewards) & Overseas Spend (10X Rewards); bonus perks include free travel insurance, and 1-for-1 Cathay Platinum Movie Suites Tickets. Instant digital credit card available upon eligible application.
MORE DETAILS

Key Features

  • 10X Reward Points (2.9 Miles) per $1 on all Overseas Spend in foreign currency, including at online sites (Taobao, Amazon US, etc). No minimum spend.
  • 5X Reward Points (1.45 Miles) per $1 on Local Dining Spend. No minimum spend.
  • 1X Reward Point (0.29 Miles) per $1 on all other spend.
  • Annual cap of 20,000 Reward Points per year for 10X and 5X earning rates. $2,000 spend ($167 per month) in foreign currency OR $4,000 spend ($333 per month) on Local Dining per year maxes out reward points.
  • Complimentary travel medical insurance with coverage of up to $50,000
  • 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes. (Up to 5 daily redemptions per card)
  • Petrol: Up to 19.7% monthly fuel purchase at Caltex (16% Caltexgo upfront discount for all fuels + 4.50% Standard Chartered rebate on nett transacted amount for minimum monthly spend of $600 and above at Caltex).
  • 2 years annual fee waiver.

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee No annual fee
Fee Waiver First 2 years

Minimum Income Requirements

Singaporean $30,000
Foreigner $60,000

Interest Rate

Annual Interest Rate 26.9%
Minimum Monthly Repayment 1% or S$50, whichever is higher
Interest Free Period 22 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa payWave
  • No Annual Fee
  • Promo
4.1
Standard Chartered Spree Credit Card
Bank:
  • Standard Chartered
Type:
  • Cashback
2%
cashback on all online spend & contactless/mobile payments in local currency
3%
cashback on all online spend in foreign currency, and vPost spend
$60
cashback cap monthly, with no minimum spend
Summary:
No minimum spend card specialised for online shopping: 3% cashback on online spend in foreign currency, 2% on online spend & contactless/mobile payments in local currency. Instant digital credit card available.
MORE DETAILS

Key Features

  • 3% cashback on online spend in foreign currency (Amazon US, Taobao, etc). No minimum spend.
  • 2% cashback on online spend & contactless/mobile payments in local currency. No minimum spend.
  • 1% cashback on all other retail spend.
  • $60 cashback cap monthly.
  • Petrol: Up to 19.7% monthly fuel purchase at Caltex (16% Caltexgo upfront discount for all fuels + 4.50% Standard Chartered rebate on nett transacted amount for minimum monthly spend of $600 and above at Caltex).
  • 2 years annual fee waiver.

Annual Fees

Principle Annual Fee $193
Supplementary Annual Fee No annual fee
Fee Waiver First 2 years

Minimum Income Requirements

Singaporean $30,000
Foreigner $60,000

Interest Rate

Annual Interest Rate 26.9%
Minimum Monthly Repayment 1% or S$50, whichever is higher
Interest Free Period 22 days

Other Info

Card Association
  • VISA
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Visa payWave
Standard Chartered Unlimited Cashback Credit Card
Bank:
  • Standard Chartered
Type:
  • Cashback
Up to 1.5%
Cash Back on eligible spend
$0
Min. Spend per month
Unlimited
Cash Back Cap
Summary:
Fuss-free cashback card with no minimum spend and no cashback cap. 1.5% cashback on all your spend, so there's no need to fret over spend categories. Unlock up to 5% cashback with Unlimited$aver Account
MORE DETAILS

Key Features

  • Get instant Digital Card + Approval when you apply via MyInfo
  • 1.5% cashback on all eligible spend
  • No cashback cap and no minimum spend
  • Up to 22.61% fuel savings at Caltex
  • Get up to 50% discount at selected dining establishments such as The Fullerton Hotel Singapore, The Fullerton Bay Hotel Singapore, Bedrock Bar & Grill, Fat Cow, Mariott Cafe, Canton Paradise and many more
  • Enjoy discount privileges at over 3,000 outlets in Asia from dining to shopping among others with The Good Life, only with Standard Chartered Cards
  • 2 years annual fee waiver

Annual Fees

Principle Annual Fee $192.60
Supplementary Annual Fee No annual fee
Fee Waiver First 2 years

Minimum Income Requirements

Singaporean $30,000
Foreigner $60,000

Interest Rate

Annual Interest Rate 26.9%
Minimum Monthly Repayment 1% or $50, whichever is higher
Interest Free Period 22 days

Other Info

Card Association
  • MasterCard
Wireless Payment
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • MasterCard PayPass

Recommended Cards for All

Still cannot decide which card is right for you? Here, check out our recommendations for the best credit cards in Singapore currently, sorted by what they are individually good for.
Recommended Card For Credit Card Rewards Type
Unlimited, fuss-free cashback on all spend at a flat rate Standard Chartered Unlimited Cashback Credit Card Cashback
High 8% cashback rate on Dining, Groceries and Petrol (or Grab spend) Citi Cash Back Card Cashback
Flat 5% rebate on everything if you can hit $2,000 spending per month UOB One Card Cashback
High cashback on contactless payment DBS Live Fresh Card Cashback
Cashing in on bonus miles (that do not expire) through promotions Citi PremierMiles Visa Card Miles
Perks for frequent flyers American Express Singapore Airlines KrisFlyer Credit Card Miles
Individuals with an income above $200,000 The Platinum Card Reward Points

Frequently
Asked Questions (FAQs)

  • What are the benefits of using credit cards?
    There are four main benefits to using credit cards that you should be aware of: (i) It allows you to keep track of your spending through your bank's mobile app, (ii) It builds your credit history, which is important for the future, (iii) Promotions, rewards and discounts, and (iv) It's more secure than other forms of payment, such as debit cards.
  • What are the common credit card rewards?
    In Singapore, there are three key types of credit cards that we typically look at: Cashback, Air Miles, and Reward Point cards. Beyond the type of reward, however, one should also consider the features or restrictions of each type.
  • Cashback vs Miles vs Rewards
    Of the three, Cashback cards may seem like the most straightforward, since you are rewarded directly with rebates. Despite that simplicity, however, Cashback cards have the most terms and conditions you need to be aware of.

    This is as opposed to Miles cards, which have the least restrictions and, usually, bonus perks like free travel insurance. Reward Point cards are an in-between when it comes to conditions and restrictions.
  • Who would prefer Miles/Reward over Cashback?
    Individuals who don't see a point in getting a small percentage of their expenditure back, and would rather be rewarded with enviable trips to Bali, Maldives and other prominent vacation destinations, or travel in luxury with Business and First Class flights, should consider accruing mileage through Miles and Rewards cards instead.
  • How do I pay my credit card bill?
    Your monthly credit card bills can be paid through a number of methods: through GIRO, via Internet Banking, through AXS machines, phone banking, or directly at the bank in cash or cheque.
  • Why do most cardholders have 2 to 5 cards?
    As you might have realised, regardless of which credit card you believe is right for you, no single card can do it all.

    Thus, many credit card users in Singapore hold at least two different credit cards, so that they can capitalise on whichever card has the better benefits depending on the retailor or merchant they are shopping at.
  • Can I apply for more than one credit card?
    You can apply for as many credit cards as you'd like. If the cards are from the same bank, the original credit limit will be shared between all the cards. If you apply for credit cards with different banks, you will be granted a new line of credit (with its own credit limit) each time.
  • How long before my credit card application is processed?
    The processing time varies, depending on the bank. Generally, when you apply for a credit card, it can take anywhere between 2 to 5 weeks for the application to be processed. Even after your application has been approved, it can take an additional 1 to 2 weeks for the credit card to arrive in your mailbox.

    Applying for your credit card through Moneyrize can also help to expedite the process, as we have partnered with the various banks to ensure a smooth online application process.