Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Best credit cards for Christmas shopping

Christmas is less than a month away. Missed 10/10 and 11/11 sales to buy gifts for your loved ones? You still have Black Friday.

Additionally, many retailers are also having discounts during this festive season. So you’re not too late!

Paying via a cashback or rewards card can help you get rewarded for your shopping. Let’s see some good cards that you can apply and use.

Credit cardRewards

AMEX True Cashback Card


  • 1.5% cashback for transactions in local currency
  • Welcome bonus of 3%
  • Cashback on up to a total of S$5,000 spend in your first six months

HSBC Advance

hsbc advance singapore

  • 2.5% cashback on all shopping spend
  • Extra 1% cashback for HSBC Advance banking customers

Citi Lazada Card


  • 10 Rewards Points per $1 spent on Lazada
  • Shipping rebates worth $7.96 per month

Citi Cashback + Card


  • 1.6% cashback with no cap, no minimum spend
  • Bonus cashback of 7.75% on dining, groceries and petrol, and 0.25% base cashback (min spend $888)

Maybank FC Barcelona Visa Signature Card


  • 1.6% cashback with no cap
  • No minimum spend

American Express True Cashback Card

Ideal for: Big, generous spenders

When you think about gifting, do you think along the lines of Secret Lab chairs, Chanel Boy bag, and OSIM massagers? If you currently do not have the AMEX True Cashback Card, get one to capitalise on all the shopping you’re going to do.

The card offers 1.5% cashback for transactions in local currency, and there is a welcome bonus of 3% Cashback on up to a total of S$5,000 spend in your first 6 months.

Apply through Gobear, and if you spend a minimum of $1,000 in the first month of card approval, you get up to $60 CapitaVouchers. Additionally, you also get $20 CapitaVoucher for each approved Supplementary Card, up to the first two.


Back to top

HSBC Advance

Ideal for: Physical and online shoppers, and HSBC Advance banking customers

Not looking to spend thousands this season? If you’re someone who shops both online and at physical retailers, choose the HSBC Advance card instead.

If you are a HSBC Advance banking customer, there is 2.5% cashback on all shopping spend with no minimum spending requirement. And if you spend $2,000 and above in a month, you get 3.5%.

For non-HSBC Advance banking customers, you only get 1.5% cashback, and 2.5% if you spend at least $2,000. If you’re not intending to clock such a high spend, consider other cards on the list.

Apply via GoBear and receive $150 reward until 30 Nov 2020, as well as $150 cashback or samsonite luggage and $30 Lazada voucher from HSBC (1 Oct to 31 Dec 2020). Promotions apply to new card holders only.

Citi Lazada Card

Ideal for: Loyal Lazada shoppers

And here’s a card for those who are loyal to Lazada. Using the Citi Lazada Card, you can get 10 Rewards Points per $1 spent on Lazada. Additionally, you get shipping rebates — $1.99 cashback — when you spend a minimum of $50 per transaction on Lazada, capped at four shipping rebates per calendar month. Take note though, this does not apply to Redmart purchases.

You can change your Rewards Points to cash at 4,400 Rewards Points = $10 cash. Based on very simple calculations, assuming you only use this card for Lazada purchases, this means that you’ll get a $10 rebate for every $440 spent on Lazada, which translates to a cashback rate of around 2.27%.

For all other purchases, you can receive 1 Reward Point per $1 spent on everything else.

? Apply online via GoBear and get a $150 Lazada voucher (valid until 31 Dec 2020).


Back to top

Citi Cash Back+ Card

Ideal for: Family breadwinners

The Citi Cash Back+ Card offers 1.6% cashback with no minimum spend required and no cap on cashback earned. This is a standard cashback rate for cards without minimum spend and cashback cap, but the good thing about the Citi Cash Back+ Card is that it is actually a good all-rounder card.

If you spend a minimum of $888 in a statement month, you enjoy a bonus cashback of 7.75% on dining, groceries and petrol, and 0.25% base cashback on all retail purchases with no cap. There is also up to 14% discount at Esso and Shell stations.


Back to top

Maybank FC Barcelona Visa Signature Card

Ideal for: Fans of FC Barcelona

We come to the Maybank FC Barcelona Visa Signature Card. This card offers 1.6% unlimited cash rebates for all purchases in Singapore, no minimum spend required and no cashback cap.

The 1.6% cashback is decent for as it has no minimum spending requirement, but other than that the other benefits are more targeted for FC Barcelona fans, such as a chance to win a trip for 2 to catch FC Barcelona LIVE every football season and 5% Discount at the FCBotiga official store in Camp Nou. Although, with Covid-19 still raging on globally, we’re not sure when you can get to use these benefits.

Still, it’s a good second card to have if you have busted the cashback or reward cap for your main card.


Looking for more options? Go to GoBear’s credit card comparison page and compare other cards there.

More guides on Finder

Ask Finder

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site