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Best Shopping Credit Cards

From Robinsons to Takashimaya, compare shopping credit cards and get more benefits based on where you shop.

If you’re a frequent shopper, be it online or offline, locally or overseas, a good shopping credit card is a must-have in your arsenal of cards. These cards typically comes with a host of shopping perks, including accelerated reward earn, exclusive VIP deals, free shipping and 0% interest instalment plans.

To help you narrow down on your search, we’ve compared and identified some of the best shopping credit cards available in Singapore.

American Express Platinum Credit Card

American Express Platinum Credit Card

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American Express Platinum Credit Card

American Express Platinum Credit Card holders can earn even more with Platinum EXTRA Partners like Laneige and The Hour Glass.

  • Principal Annual Fee: S$321 annual fee for entire membership - S$321 thereafter.
  • Cashback Rate: 0%
  • Annual Interest Rate: 25.9%
  • Minimum Income (Singaporean & PR): S$80,000
  • Minimum Income (Non-Singaporean): S$80,000
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Shopping Credit Card Comparison

Name Product Welcome Offer Reward Annual Fee
HSBC Advance Credit Card
New cardholders will be awarded with up to S$200 cashback. S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
Receive up to S$200 cashback when minimum spend requirements are met.
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
Earn up to 3.5% cashback and pay S$0 annual fee for (at least) the first year. Plus, no minimum spend required for cashback.
HSBC Visa Platinum Credit Card
New cardholders will be awarded with up to S$200 cashback, S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
Earn 1 Reward point for every $1 on all spend.
S$0 annual fee for the first 2 years and S$192.60 thereafter
Get up to S$1,000 p.a. in cash rebates from your dining, grocery and petrol spending.
HSBC Revolution Credit Card
New cardholders will be awarded with up to S$200 cashback, S$50 cashback for one qualifying transaction and S$120 cashback upon S$500 minimum spend. Receive an additional S$30 cashback when you apply online with MyInfo via SingPass. Existing HSBC credit cardholders are eligible to receive S$60 cashback. T&Cs apply. Ends 31 Oct 2021.
Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
S$0 annual fee
Earn up to 5x reward points when you charge online, dining and entertainment expenses to the HSBC Revolution Credit Card.
American Express True Cashback Card
New members can get up to S$120 CapitaVouchers upon S$500 spend within first month of membership when they apply. T&Cs apply. Ends 31 January 2022.
Enjoy cashback on all purchases with no minimum spend or cap. Plus receive up to S$120 CapitaVouchers when a minimum spend of S$500 is made in the first month.
S$0 annual fee for the first 1 year and S$171.20 thereafter
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
American Express Singapore Airlines KrisFlyer Credit Card
Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional complimentary one-night stay at Andaz Singapore with breakfast for 2 (worth up to S$440++) if you are new to American Express. T&Cs apply. Valid until 31 January 2022.
For every S$1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June and December.and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
S$0 annual fee for the first 1 year and S$176.55 thereafter
Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional complimentary one-night stay at Andaz Singapore with breakfast for 2 (worth up to S$440++) if you are new to American Express. T&Cs apply. Valid until 31 January 2022.
American Express Platinum Credit Card
Get a complimentary 1-night stay at The Fullerton Hotel, Premier Courtyard room (worth up to S$600) with a minimum spend of S$5,000 in your first 3 months of card membership, and an additional S$200 in statement credits upon annual fee payment. Valid until 31 January 2022.
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
Get a complimentary 1-night stay at The Fullerton Hotel, Premier Courtyard room (worth up to S$600) with a minimum spend of S$5,000 in your first 3 months of card membership, and an additional S$200 in statement credits upon annual fee payment. Valid until 31 January 2022.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Get a complimentary stay at Sofitel Singapore Sentosa Resort & Spa, Luxury Room (worth up to S$460++) when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Valid until 31 January 2022.
Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
S$337.05 annual fee
Get a complimentary stay at Sofitel Singapore Sentosa Resort & Spa, Luxury Room (worth up to S$460++) when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Valid until 31 January 2022.
American Express CapitaCard
New members can receive 150,000 STAR$ while existing members can get 50,000 STAR$ upon S$1,500 minimum spend within the first 3 months of card approval. T&Cs apply. Ends 31 January 2022.
Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
S$0 annual fee for the first 1 year and S$171.20 thereafter
New members can receive 150,000 STAR$ while existing members can get 50,000 STAR$ upon S$1,500 minimum spend within the first 3 months of card approval. T&Cs apply. Ends 31 January 2022.
Citi Cash Back Card
S$120 cash back when you apply & spend S$1,200 in the first 3 months upon card approval. Terms and conditions apply.
Get up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
S$0 annual fee for the first 1 year and S$192.60 thereafter
Earn up to 8% cashback on everyday spending categories and enjoy an array of promotions with this credit card.
Citi SMRT Card
S$120 savings when you apply & spend S$1,200 in the first 3 months upon card approval. Terms and conditions apply. Ends 30 Nov 2021.
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
S$0 annual fee for the first 2 years and S$192.60 thereafter
Receive up to 5% cash back on your daily spends, whether it's online shopping, groceries, SMRT rides or movies.
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What are shopping credit cards?

Shopping credit cards are designed to reward frequent shoppers and often comes with a wide range of additional perks. Rewards are usually in the form of cashback, additional miles or reward points.

Here are some different types of shopping credit cards:

  • General shopping cards. Generic shopping cards offer rewards for a transactions in wider range of shopping categories. For example, you can earn up to cashback for all apparel, electronic gadgets, household appliances, beauty products and more.
  • Online shopping cards. As online purchases become more common, having a go-to credit card for your online shopping will come in handy. These cards caters to e-commerce spending and offer rewards when you charge your online purchases to them.
  • Retail-branded cards. Enjoy exclusive benefits and loyalty programmes when you shop with a particular brand or its affiliated merchants. For example, you could earn a higher rate of points per dollar spent at an associated store, or enjoy complimentary shipping, exclusive sales and long interest-free offers.

Whic stores offer retail-branded cards?

You can get credit cards for the following stores, brands or retail loyalty programs:

  • Robinsons
  • Takashimaya
  • CapitaLand Malls

As well as these options, there are some credit cards that offer benefits with particular types of stores and brands. For example, Citi Rewards Card offers higher amounts of points for spending with Duty Free Singapore, TANGS, Takashimaya and for specific purchases such as clothes, bags and shoes (both local and overseas spending).

Similarly, the DBS Woman’s World Card allows you to earn bonus points when you shop online or overseas. If you have an American Express Platinum Credit Card, you can also earn more points for spending with Platinum EXTRA Partner like Lee Hwa Jewellery, The Hour Glass and Watches of Switzerland.

What benefits can I get with a shopping credit card?

Shopping credit cards usually offer a range of perks you can enjoy when you shop at participating merchants, or elsewhere.

These features vary between cards but often include:

  • Reward points. Most shopping cards in Singapore offer points per dollar spent on eligible purchases. You’ll typically earn the highest amount of points for spending at selected stores and a lower amount for spending everywhere else.
  • VIP offers. Access to exclusive events, offers and sales. The DBS Takashimaya American Express Card, for example, offers card member shopping events, additional discounts during sale events, vouchers, and bonus points for purchases with Takashimaya.
  • Shopping discounts. Save on your shopping when you pay for purchases at partner merchant stores.
  • Free delivery. Take advantage of complimentary or discounted delivery options for online purchases. For instance, Standard Chartered Spree Credit Card offers 10% off Speedpost Priority International Service for your online purchases.
  • Flexible payment plans. Shopping credit cards cards may also offer you different payment options for purchases you make with the linked brand. For example, the DBS Woman’s World Card offers 0% interest over 3, 6 or 12 months and waived processing fee with My Preferred Payment Plan.
  • Other benefits. Depending on the card, you may also enjoy additional perks such as complimentary travel insurance, purchase insurance and airport lounge access.

Miles, rewards or cashback: Which reward type is best for online shoppers?

When choosing a shopping credit card, it’s important to consider the type of rewards it offers. Since there’s no ‘best’ reward type, it’ll depend on how you like to be rewarded and your spending habits.
  • Cashback. Best for regular, consistent monthly spending, such as groceries, petrol, bills etc. Bear in mind that credit cards usually require a minimum spending to qualify for cashback earn or impose a cashback cap, or both.
  • Rewards points. Compared to cashback or miles, reward points offers more flexibility. They’re usually awarded per block of dollar amount charged to the card (e.g. 1 reward point for every S$5 spent). Once you’ve accumulated sufficient points, you can redeem for a variety of rewards such as miles or cash vouchers. However, such cards tend to impose a monthly expenditure cap for points earn and may also have an expiration date.
  • Air miles. If you’re a frequent flyer, an air miles credit card with shopping perks may be ideal. These cards typically come with travel bookings perks and promotional earn rates with partner sites like Agoda, Expedia, Hertz and more.

Check out the rewards, benefits and annual fees available on these popular shopping credit cards:

CardEarn rateOther benefitsAnnual fee
DBS Takashimaya American Express Card
  • 2 Taka Points per $10 spent at Takashimaya Department Store & Takashimaya Square, B2
  • 2 Taka Points per $10 spent at all other selected stores
  • Receive a $30 Takashimaya Voucher with 100 points ($500 spend)
  • Enjoy an additional 10% discount at Takashimaya SC during selected sale events
  • Receive $3 top-up to CashCard with min. spend of $120 at Takashimaya departmental store.
  • Enjoy 3% discount at Takashimaya Japan and receive 5% discount for cash payments with min. purchase of JPY3,000
S$192.60 (waived for first year)
American Express CapitaCard
  • 10X STAR$ per $1 spent at participating merchants at CapitaLand Malls
  • 5X STAR$ per $1 spent at all other merchants
  • 5,000 STAR$ = S$5 CapitaVoucher / 10,000 STAR$ = S$10 CapitaVoucher / 50,000 STAR$ = S$50 CapitaVoucher
  • Supports all grocery stores and earn bonus STAR$ at Cold Storage, Fairprice, Giant Marketplace at all CapitaLand Malls
S$171.20 (waived for first year)
Citi Rewards Card
  • 10X Rewards (10 points or 4 Miles) per $1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas.
  • 1 Point per $1 spent at all other merchant
  • Get up to $120 cashback every month
  • Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
  • 14% discount at Esso stations – 5% Esso site discount + 5% Smiles card discount + 4% Citicard discount
  • 14% discount at Shell stations – 5% Esso site discount + 5% Smiles card discount + 4% Citicard discount (applies after Shell discount)
S$192.60 (waived for first year)
American Express Platinum Credit Card
  • 10X Points per $1.60 spent at participating Platinum EXTRA Partners
  • 2X Points per $1.60 spent at other stores
  • 90-days return guarantee, return almost any purchase made in Singapore for a refund up to $800 per item
  • Redeem points from over 200 rewards in the Membership Rewards Catalogue, ranging from fine-dining, fashion to electronics
  • Eligible for use with Apple Pay
$321
Citi Lazada Credit Card
  • 10X Reward Points on Lazada spend
  • 5X Reward Points on dining, travel, entertainment and commute
  • Enjoy up to 4 shipping rebates at Lazada per month (S$50 minimum spend per transaction)
  • Exclusive offers on Lazada
  • Complimentary travel insurance
S$192.60 (waived for first year)
OCBC Titanium Rewards Credit Card
  • 50 OCBC$ (worth 20 miles) for every S$5 spent on eligible online and retail purchases
  • 5 OCBC$ on all other eligible spend
  • Additional 2% cash rebate at BEST Denki
  • Complimentary e-Commerce Protection for online purchases
S$192.60 (waived for first 2 years)
DBS Woman’s World Card
  • Up to 10X DBS Points (or 20 miles) per S$5 spent on online and overseas purchases
  • 3X DBS Point (or 6 miles) on overseas purchases
  • 1X DBS Point (or 2 miles) on other purchases
  • Complimentary e-Commerce Protection for online purchases
  • 0% Interest Payment Plans over 6 months
S$192.60 (waived for first year)
Standard Chartered SingPost Spree Card
  • 3% cashback on all online spend in foreign currency and all vPost spend
  • 2% cashback on all online spend in local currency, contactless and mobile payments.
  • 1% cashback on all other retail spend
  • 25% off for standard air shipping to Singapore with vPost.
  • 10% off Speedpost Priority International service
S$192.60 (waived for first 2 years)

*Information provided is accurate as of 12 January 2021.

What to consider when comparing shopping credit cards

Besides comparing the benefits offered by various cards, make sure you consider these features to find one that suits your needs:

  • Annual fee. Most shopping credit cards in Singapore have an annual fee, which could be as low as S$86 or as high as S$321 depending on the card you’re applying for.
  • Interest rates. Shopping credit card interest rates are typically around 25% to 28% p.a. for purchases but could be higher for cash advances.
  • Payment plan rates and fees. If your shopping credit card offers instalment payment plans for in-store purchases, make sure you check if it comes with any processing or miscellaneous fees. An interest rate may also apply if you’re unable to settle the balance before the end of the payment plan period.
  • Balance transfer. If you have existing card debt you’d like to transfer to a new shopping credit card, you may be able to get a promotional 0% interest rate if you request the transfer at the time of your application. Make sure to check what’s the standard rate that’ll apply to the debt if you don’t pay it off during the introductory period.

Bottom line

Shopping credit cards can help you get more benefits when you shop regularly, especially at participating merchants. Before applying, make sure to look at all the features and fees of the card, then compare a range of options to find one that suits your needs.

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