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

Apply Now

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

Apply Now

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

Apply Now

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

Apply Now

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

Citi PremierMiles Card Singup Gift until Jun 15

Apply Now

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

Apply Now

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, e.g. Guardian and Watson
3%	Streaming, 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

Minimum Monthly Spend	Cashback Cap
S$800	S$80
S$1600	S$160

Annual fees: S$196.20 (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)

SingSaver Exclusive Promotion:

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag (worth S$570.80)
Apple AirPods (Generation 3) with Magsafe Charging Case (worth S$274)
S$250 cash via PayNow
Promotion Period: 1 – 15 February 2024

Requirements:

Didn’t hold any OCBC credit card within the last 12 months
Spend a minimum of S$500 within 30 days of card approval

Once applied, make sure to submit the reward redemption form to SingSaver within 14 days of applying regardless of whether you’ve received the result. Otherwise, you won’t be eligible for the sign-up gift.

Apply Now

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:

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag (worth S$570.80)
Apple AirPods (Generation 3) with Magsafe Charging Case (worth S$274)
S$250 cash via PayNow
Promotion Period: 1 – 15 February 2024

Requirements:

Didn’t hold any OCBC credit card within the last 12 months
Spend a minimum of S$500 within 30 days of card approval

Apply Now

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:

Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag (worth S$570.80)
Apple AirPods (Generation 3) with Magsafe Charging Case (worth S$274)
S$250 cash via PayNow
Promotion Period: 1 – 15 February 2024

Requirements:

Didn’t hold any OCBC credit card within the last 12 months
Spend a minimum of S$500 within 30 days of card approval

Apply Now

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

Apply Now

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

Apply Now

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

Apply Now

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)

Apply Now

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

Apply Now

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

Apply Now

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)

Apply Now

HSBC Revolution Credit Card

S$1=4 miles or 2.5% cashback	Visa PayWave
S$1=4 miles or 2.5% cashback	Online
S$1=4 miles or 2.5% cashback	Apple Pay
S$1=4 miles or 2.5% cashback	Google Pay

Monthly minimum spend: NA
Monthly cap for high rewards spend: S$1,000
Rewards validity: 3 years
Annual fee: waived forever
Annual income requirements: S$30,000 (local/PR) or S$40,000 (foreigner)