3 Best Unlimited Cashback Credit Cards in Singapore (2024)

Cashback remains the most popular credit card reward program. Unlike point or travel rewards, cashback gives you the flexibility to spend the rewards on your needs. We have picked the 3 best credit cards in Singapore with unlimited cashback.

Citi Cash Back+ Card

Citi Cash Back+ Card
  • 1.6% cashback on your spending
  • No minimum spend required
  • No cap on cashback earned
  • Welcome Offer: Get 4.5% cashback on up to S$5,000 spend (up to S$225 cashback) in the first 3 months (eligible for new main Citi Cardmembers only)
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Standard Chartered Unlimited Cashback Credit Card

Singapore Standard Chartered Bank Unlimited Cashback Credit Card
  • 1.5% cashback on all your spends
  • No minimum spend required
  • No cap on cashback earned
  • Welcome Offer: Get up to S$128 cashback when you apply via MyInfo and make 1 eligible transaction.  (eligible for new main Cardmembers only).
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The American Express® True Cashback Card

Singapore American Express True Cashback Credit Card
  • 1.5% cashback on your spends
  • No minimum spend required
  • No cap on cashback earned
  • 3% cashback on up to a total of S$5,000 spend (up to S$150 cashback) in your first 6 months (for new cardmember only)
  • Welcome Offer: Receive up to S$80 CapitaVouchers when you make a minimum spend of S$500 in the first month (for new cardmember only)
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Comparison Table

Cashback Credit CardCashback RateWelcome Cash Offer
Citibank1.6%Up to S$225
American Express1.5%Up to S$150
Standard Chartered1.5%Up to S$100

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Frequently Asked Questions

Are there different cashback tiers

There are no cashback tiers, all the 3 credit cards above offer flat-rate cashback on all eligible spends.

Do I need to make a minimum spend to be eligible for cashback?

No minimum spend is required to be eligible for cashback.

Will my cashback expire?

No, it will not expire.

Eligibility for Credit Card Application

You will need to be above 21 years, earn a gross annual income of S$30k if you are a Singaporean, or S$45k if you are a foreigner.