Standard Chartered Smart Credit Card (Highly Recommended)
- S$1=5.5 miles or 6% cashback for the following transactions capped at S$818 per month
| Categories | Merchants |
|---|
| Fast Food | Burger King, KFC, Mcdonald’s, Subway |
| Coffee & Toast | Fun toast, Toast Box, Ya Kun Kaya Toast |
| Digital Subscriptions | Disney+, Netflix, Spotify, Youtube |
| Daily Commute | Bus & MRT |
- Convert your transactions into 3-month interest-free Instalment plan with no service fee
- 20.7% savings at Caltex
- 10% off on Qater Airways
- No minimum spend
- Annual Fees: waived forever
- Annual income requirements: S$30,000 (local/PR) or S$60,000 (foreigner)
SingSaver Exclusive Promotion:
- Apple AirPods Gen 2 (worth $271.50)
- S$270 Cash
Citi Cash Back+ Card
- 1.6% cash back on your spends
- No minimum spend required
- No cap on cash back earned
- Up to S$1 million FREE travel insurance
- Annual fee: S$194.40 (first year waived)
- Annual income requirements: S$30,000 (local/PR) or S$42,000 (foreigner)
SingSaver Exclusive Promotion:
- Dyson Supersonic (worth S$699)
- Nintendo Switch OLED (worth S$549)
- Dyson V8 Slim Fluffy (worth S$509)
- S$300 cash
Citi Cash Back Card
- 6% cash back on Dining at restaurants and cafes worldwide
- 8% cash back on Groceries at supermarkets and grocery stores worldwide
- 0.25% cash back on all other retail spends
- Up to 20.88% fuel savings at Esso and Shell
- Monthly minimum spend S$800
- Monthly cash back cap S$80
- Up to S$1 million FREE travel insurance
- Annual fee: S$194.40 (first year waived)
- Annual income requirements: S$30,000 (local/PR) or S$42,000 (foreigner)
SingSaver Exclusive Promotion:
- Dyson Supersonic (worth S$699)
- Nintendo Switch OLED (worth S$549)
- Dyson V8 Slim Fluffy (worth S$509)
- S$300 cash
Citi Rewards Card
- S$1=4 miles or 2.27% cash back on the following spends capped at S$1,000 per month
- Online & Offline Shopping
- Grab & Gojek
- Online Food Delivery
- Online Groceries
- No minimum spend required
- Up to S$1 million FREE travel insurance
- Rewards validity: 5 years
- Annual fee: S$194.40 (first year waived)
- Annual income requirements: S$30,000 (local/PR) or S$42,000 (foreigner)
SingSaver Exclusive Promotion:
- Dyson Supersonic (worth S$699)
- Nintendo Switch OLED (worth S$549)
- Dyson V8 Slim Fluffy (worth S$509)
- S$300 cash
Citi PremierMiles Card
| Categories | Rewards |
|---|
| Local Spend | 1.2x miles |
| Foreign Currency Spend | 2x miles |
| Pay Annual Fee | 10,000 miles (S$1=51 miles) |
- No minimum spend required
- No cap on miles earned
- 2 complimentary visits every year to 1,300 airport lounges worldwide
- Up to S$1 million FREE travel insurance
- Rewards validity: no expiry
- Annual fee: S$194.40 (first year waived)
- Annual income requirements: S$30,000 (local/PR) or S$42,000 (foreigner)
SingSaver Exclusive Promotion:
- Dyson Supersonic (worth S$699)
- Dyson V8 Slim Fluffy (worth S$509)
- Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65)
- S$300 cash
Standard Chartered Journey Credit Card (New)
- S$1=3 miles for the following transactions:
| Categories | Merchant Examples |
|---|
| Transportation | Gojek, Cabcharge Asia, Tada, Ryde
Technologies, Royal Caribbean
Cruises, Easybook.com and
others |
| Food Delivery | Foodpanda, Deliveroo,
McDonald’s, KFC, Pizza Hut,
Dominos Pizza, Chilli Api Catering,
Qi Ji Catering and others |
Groceries & Food
Stores | NTUC FairPrice Online, NTUC
FairPrice app, Cold Storage Online, Nespresso
Singapore and others |
- S$1=2 miles for foreign spends
- S$1=1.2 miles for local spends
- Rewards does not expire
- 2 complimentary visits to Priority Pass lounges around the world each year
- FREE travel insurance up to S$500,000
- S$10 off Grab rides to or from Changi Airport
- 20.7% savings at Caltex
- 10% off on Qater Airways
- S$0 foreign transaction fee in Jun, Jul, Nov & Dec 2023
- No minimum spend
- Annual fees: S$194.40 (waived for the 1st year)
- Annual income requirements: S$30,000 (local/PR) or S$60,000 (foreigner)
Standard Chartered Signup Gift:
Extra 5 miles for every S$1 spend within the first 30 days of card approval, subject to a cap of S$5,000. This is in addition to the normal rewards.
SingSaver Exclusive Promotion (on top of SCB’s):
Get extra S$120 cash via PayNow
OCBC 365 Credit Card
| Cashback | Categories |
|---|
| 6% | All petrol service stations |
| 5% | Dining & online food delivery |
| 3% | Groceries |
| 3% | Land transport (bus, train, taxi, private hire rides) |
| 3% | Telco & utility bills |
| 3% | Pharmacy (New), e.g. Guardian and Watson |
| 3% | Streaming (New), e.g. Netflix, Disney+, Spotify and Apple Music |
| 3% | Electric Vehicle (EV) Charging (New), e.g. SP Digital, Greenlots, CDG ENGIE and City Energy |
| 22.92% | Caltex |
| 21.04% | Esso |
| 0.3% | Other spends |
- Annual fees: S$194.40 (waived for the first 2 years)
- Eligibility: 21 years and above, minimum annual income of S$30,000 (Singaporean and PR) or S$45,000 (Foreigner)
| Mini Spend | Cashback Cap |
|---|
| S$800 | S$80 |
| S$1600 | S$160 |
SingSaver Exclusive Promotion:
- Apple iPad 9th Gen 10.2″ WiFi 64GB (worth S$503.65)
- Apple AirPods Pro Gen 2 + MagSafe Charger Bundle (worth S$421.90)
- S$350 eCapitaVoucher
- S$250 Cash
OCBC Titanium Rewards Credit Card
- S$1=4 miles for online & in stores spends on clothing, shoes, electronics, software.
- S$1=4 miles for any purchases made with following merchants:
| Alibaba | Daigou | Mustafa Centre |
| AliExpress | Ezbuy | Qoo10 |
| Amazon | IKEA | Shopee |
| Courts | Lazada | Taobao |
- Get a bonus 2% cash rebate on electronics at Best Denki
- No minimum spend required
- Annual fees: S$192.60 (waived for the first 2 years)
- Annual income requirements: S$30,000 (local/PR) or S$45,000 (foreigner)
SingSaver Exclusive Promotion:
- Apple iPad 9th Gen 10.2″ WiFi 64GB (worth S$503.65)
- Apple AirPods Pro Gen 2 + MagSafe Charger Bundle (worth S$421.90)
- S$350 eCapitaVoucher
- S$250 Cash
OCBC 90°N Mastercard/Visa Card
- S$1=7 miles on Agoda
- S$1=2.1 miles on foreign spend
- S$1=1.3 miles on local spend
- No minimum spend required
- No cap on miles earned
- Miles validity: no expiry
- Annual fees: S$54.00 (waived for the first year)
- Annual income requirements: S$30,000 (local/PR) or S$45,000 (foreigner)
SingSaver Exclusive Promotion:
- Apple iPad 9th Gen 10.2″ WiFi 64GB (worth S$503.65)
- Apple AirPods Pro Gen 2 + MagSafe Charger Bundle (worth S$421.90)
- S$350 eCapitaVoucher
- S$250 Cash
DBS Vantage Card
- 1.5% cash back or 1.5x miles for local spend
- 2.2% cash back or 2.2x miles for overseas spend
- S$1=6 miles for Expedia
- 19% off at Esso
- Members-only dining privileges
- 10 complimentary visits to over 1,300 airport lounges worldwide each year
- Annual fees: S$594 (received 25,000 miles upon paying annual fees)
- Annual income requirements: S$120,000 (local, PR or foreigner)
DBS Signup Gift:
- New cardmembers: 55,000 miles
- Existing cardmembers: 35,000 miles
DBS yuu American Express/Visa Card
- 5% cash rebate on the following merchants without minimum spend & cap
- By spending S$600 in a month, you will enjoy additional 13% cash rebate, total 18%
- Annual fees: S$194.40 (1st year waived)
- Annual income requirements: S$30,000 (local/PR) or S$45,000 (foreigner)
DBS Signup Gifts:
| New Customer | Existing Customer |
|---|
| Amex | S$350 | S$120 |
| Visa | S$300 | S$80 |
CIMB Visa Signature Card
- 10% cashback on the following categories:
- Online Shopping
- Groceries
- Beauty & Wellness
- Pet Shops & Veterinary Services
- Cruises
- Minimum monthly spend S$800
- Monthly cashback cap S$100
- Annual fees: waived forever
- Annual income requirements: S$30,000 (local/PR)
SingSaver Exclusive Promotion:
- Apple iPad 9th 10.2″ WiFi 64GB (worth S$503.65)
- S$320 Cash
Wise Card
Issued by Wise Singapore, formerly known as TransferWise, regulated by Monetary Authority of Singapore (MAS)
- Send and spend money in Singapore dollars and more than 50 different currencies
- No need to exchange and carry so much cash while travelling abroad
- Convert SGD automatically to foreign currency while spending overseas
- Real exchange rate used without any markup
- Free digital/virtual card. Physical card will cost S$9 (can be easily offset by the savings from the lower transaction fees)
- Accepted in shops and restaurants all over the world
- Free ATM withdrawals from more than 2 million ATMs worldwide (up to S$350 per month)
- Top up, check balance and transactions, freeze card or convert in real time with Wise app
- Low foreign transaction fee: SGD / USD 0.47% vs Bank 3%
- No annual fees
- No annual income requirements
| SGD/USD | SGD1,000 to USD |
|---|
| Wise Card | 0.74263 | 739.16 (after fees) |
| Google | 0.74272 | 742.72 |
| DBS | 0.73670 | 736.70 (before fees) |
HSBC Visa Platinum Card
- 5% cash back on dining, groceries and fuel
- Additional 1% cashback with HSBC Everyday Global Account
- 17% discount at Shell and Caltex
- Annual fee: SGD194.40 (1st year waived)
- Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)
HSBC Signup Gifts:
- Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or
- S$150 cash back
HSBC Advance Credit Card
- Up to 2.5% cashback on local and overseas purchases
| Minimum Spend | Cash Back |
|---|
| NA | 1.5% |
| S$2,000 | 2.5% |
- Complimentary travel insurance coverage up to SGD500,000
- Annual fee: SGD194.40 (1st year waived)
- Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)
HSBC Signup Gifts:
- Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or
- S$150 cash back
HSBC TravelOne Credit Card (New)
- S$1 = 2.4 miles on foreign currency spend
- S$1 = 1.2 miles on local spend
- No minimum spend required
- No cap on the points earned
- 4 complimentary lounge visits per year to over 1,300 global airport lounges
- Complimentary travel insurance coverage up to USD100,000
- No conversion fee for air miles or hotel points redemption until Dec 2023
- Annual fee: S$194.40
- Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)
HSBC Signup Gift: up to 20,000 miles that is enough to redeem a round trip air ticket to Bali
HSBC Revolution Credit Card
- S$1=4 miles or 2.5% cash back with Online and Contactless payments capped at S$1,000 per month
- No minimum spend required
- Rewards validity: 3 years
- Annual fee: waived forever
- Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)
HSBC Signup Gifts:
- Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or
- S$150 cash back
NTUC Link Card / Trust Link Card
- No foreign transaction fee
- No cash advance fee
- No annual fee
- Annual income requirements: S$30,000 (local/PR) or S$60,000 (foreigner)
NTUC Link Card: up to 21% savings on FPG groceries (NTUC members only)
Trust Link Card: up to 15% savings on FPG groceries
FPG groceries refer to FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress (excluding Esso outlets), FairPrice online, Warehouse Club, Unity, Cheers (excluding Esso outlets).
S$10 FairPrice E-Voucher
Coupon
UOB Absolute Cashback Card
- 1.7% cashback on ALL spends including insurance, education, utility, healthcare, e-wallet top-up
- No minimum spend required
- No cap on cashback earned
- Annual fees: S$194.40 (1st year waived)
- Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)
UOB Signup Gift: Get S$350 worth of Grab Vouchers
UOB EVOL Credit Card
- 8% cashback on online and mobile contactless spend
- Minimum monthly spend S$600
- Monthly cashback cap S$60
- Annual fees: S$194.40 (waived when make minimum 3 transactions per month)
- Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)
UOB Signup Gift: Get an Apple Watch SE 2nd Gen (worth S$382)
KrisFlyer UOB Credit Card
- S$1=3 miles on Singapore Airlines, Scoot, KrisShop and Kris+
- S$1 =3 miles on dining, food delivery, online shopping and travel, and transport
- S$1=1.2 miles on other spend
- Annual fees: S$194.40 (1st year waived)
- Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)
UOB Signup Gift: Get up to 31,000 miles
UOB PRVI Miles Visa Card
| Category | Rewards |
|---|
| Local Spend | S$1= 1.4 miles |
| Foreign Spend | S$1= 2.4 miles |
| Agoda | S$1= 6 miles |
| Expedia | S$1 = 8 miles |
- Free travel insurance up to S$500,000
- S$20 off Grab rides
- Annual fees: S$259.20 (1st year waived)
- Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)
UOB Signup Gift: Get 50,000 miles
