Singapore Credit Card Recommendations + Latest Signup Gifts


Standard Chartered Smart Card
  • S$1=5.5 miles or 6% cashback for the following transactions capped at S$818 per month
CategoriesMerchants
Fast FoodBurger King, KFC, Mcdonald’s, Subway
Coffee & ToastFun toast, Toast Box, Ya Kun Kaya Toast
Digital SubscriptionsDisney+, Netflix, Spotify, Youtube
Daily CommuteBus & 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 Logo

SingSaver Exclusive Promotion:

  • Apple AirPods Gen 2 (worth $271.50)
  • S$270 Cash

Citi Cash Back+ Card

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 Logo

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

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 Logo

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

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 Logo

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

Citibank PremierMiles Credit Card
CategoriesRewards
Local Spend1.2x miles
Foreign Currency Spend2x miles
Pay Annual Fee10,000 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 Logo

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

Standard Chartered Journey Credit Card (New)

Standard Chartered Journey Credit Card
  • S$1=3 miles for the following transactions:
CategoriesMerchant Examples
TransportationGojek, Cabcharge Asia, Tada, Ryde
Technologies, Royal Caribbean
Cruises, Easybook.com and
others
Food DeliveryFoodpanda, 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 Logo

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 Logo

SingSaver Exclusive Promotion (on top of SCB’s):

Get extra S$120 cash via PayNow


OCBC 365 Credit Card

OCBC 365 Credit Card New
CashbackCategories
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 SpendCashback Cap
S$800S$80
S$1600S$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 Logo

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.

OCBC Credit Card Welcome Gifts

OCBC Titanium Rewards Credit Card

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:
AlibabaDaigouMustafa Centre
AliExpressEzbuyQoo10
AmazonIKEAShopee
CourtsLazadaTaobao
  • 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 Logo

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.


OCBC 90°N Mastercard/Visa Card

OCBC 90°N Mastercard and 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 Logo

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.


DBS Vantage Card

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

DBS Yuu Card
  • 5% cash rebate on the following merchants without minimum spend & cap
DBS Yuu Card Merchants
  • By spending S$600 in a month, you will enjoy additional 13% cash rebate, total 18%
DBS Yuu Card 18% Cash Rebate
  • Annual fees: S$194.40 (1st year waived)
  • Annual income requirements: S$30,000 (local/PR) or S$45,000 (foreigner)
DBS Logo

DBS Signup Gifts:

New CustomerExisting Customer
AmexS$350S$120
VisaS$300S$80

CIMB Visa Signature Card

CIMB Visa Signature Credit 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 Logo

SingSaver Exclusive Promotion:

  • Apple iPad 9th 10.2″ WiFi 64GB (worth S$503.65)
  • S$320 Cash

Wise Card

Wise Card New

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
Wise Card Foreign Conversion Fee
SGD/USDSGD1,000 to USD
Wise Card0.74263739.16 (after fees)
Google0.74272742.72
DBS0.73670736.70 (before fees)
Google FX Rate
DBS FX Rate

HSBC Visa Platinum Card

HSBC Visa Platinum Credit 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 Logo

HSBC Signup Gifts:

  • Samsonite ZELTUS 69cm Spinner Exp with built-in scale (worth S$680) or
  • S$150 cash back

HSBC Advance Credit Card

HSBC Advance Credit Card
  • Up to 2.5% cashback on local and overseas purchases
Minimum SpendCash Back
NA1.5%
S$2,0002.5%
  • 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 Logo

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)

HSBC TravelOne Credit Card
  • 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
  • No redemption fee when you redeem for air miles or hotel points before 31 Jan 2025.
  • 4 complimentary lounge visits per year to over 1,300 global airport lounges
  • Complimentary travel insurance coverage up to USD100,000
  • Annual fee: S$196.20
  • Annual income requirements: S$30,000 (SC/PR) or S$40,000 (WP, SP, PR)
SingSaver Logo

May 17 (5pm) – HSBC Credit Card Flash Deal

First 500 applicants (based on the redemption form submission time)

  • PlayStation 5 Disc Version (worth S$799)
  • Dyson Airwrap (worth S$859)
  • S$500 eCapitaVoucher

Starting from the 501st:

  • Dyson Supersonic Hair Dryer (worth S$699)
  • Apple iPad 9th 10.2″ WiFi 64GB (worth S$508.30)
  • S$350 eCapitaVoucher
  • Promotion valid until 4 Jun 2024

or Co-Payment Gifts (SingSaver will bear a portion of the costs, allowing applicants to purchase the following gifts at a lower price):

  • iPhone 15 Pro 128GB (S$1,664.25) – Applicants just pay S$1,099
  • MacBook Air 13″ 256GB M3 (S$1,599) – Applicants just pay S$1,099
  • Sony HT-AX7 Portable Theatre System (S$769) – Applicants just pay S$200
  • Xiaomi Robot Vacuum X20 (S$699) – Applicants just pay S$200

Make payment at the allocated redemption center (ShortQ or Challenger)

Requirements:

  • Has not held an HSBC TravelOne card in the last 12 months. Holding any other HSBC credit card has no impact.
  • Activate and spend min. S$500 by end of the following calendar month from the card account opening date
  • Provide consent to receive marketing emails from HSBC. You can unsubscribe after receiving the gift.
  • Pay the first year annual fee of S$196.20

HSBC Revolution Credit Card

HSBC Revolution Credit Card

The following spends can have S$1=4 miles or 2.5% cashback

CategoriesMCC
Travel related such as Airlines, Car Rental, Lodging, Cruise Lines3000 to 3350, 3351 to 3500, 3501 to 3999, 4411, 4511
Department Stores and Retail Stores4816, 5045, 5262, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5732 to 5735, 5912, 5942, 5944 to 5949, 5964 to 5970, 5992, 5999
Dining5441, 5462, 5811, 5812, 5813
Taxi and Club Memberships4121, 7997
  • 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)


Trust Bank Credit Cards
  • 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

Click on the coupon code to copy it

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UOB Absolute Cashback Card

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

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

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

UOB PRVI Miles Visa Card
CategoryRewards
Local SpendS$1= 1.4 miles
Foreign SpendS$1= 2.4 miles
AgodaS$1= 6 miles
ExpediaS$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