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What you need to know about contactless payments

Make fast and secure tap-and-go payments without entering your PIN when you use payWave and PayPass.

Updated

Fact checked

Tap-and-go payments have become increasingly popular with its ease and convenience. Now all you need to do is wave your bank card above a payment terminal and you can make purchases of up to S$100 without inserting your card or entering your PIN. This guide helps you compare contactless payment cards, understand how the technology works and learn how to keep your contactless payments secure.

What is contactless payment?

A contactless payment, commonly referred to as a tap-and-go payment, is a capability incorporated into debit or credit cards that allows you to make in-store purchases faster. When you make a purchase of up to $100 at a merchant that has a payment terminal, you just need to hold your card within 4cm of the terminal to approve the purchase without entering your PIN. This is why it’s called a contactless payment, because your debit card doesn’t need to make contact with the terminal for the payment to work. If the purchase is over $100, you can still make a contactless payment but you’ll need to enter your PIN.

How does contactless technology work?

Credit cards, debit cards and other devices including smartphones use Near Field Communication (NFC) technology to make secure, contactless payments. The chip in the debit or credit card communicates with the chip in the payment terminal to authorise and process the transaction from a few centimetres away.

The embedded chip allows you to wave your card or smartphone device over a contactless payment terminal without having to swipe or insert the card into the terminal.

What are PayPass and payWave systems?

PayPass is the name of the contactless payment function offered by Mastercard, and payWave is the contactless payment function offered by Visa. Both PayPass and payWave function in the same way, and are commonly referred to as simply “tap-and-go” rather than their correct brand names.

So if you’ve got a Visa debit card, you’ll technically be using payWave to make contactless purchases. If you’ve got a debit Mastercard, you’ll be using PayPass. Same technology, just different names.

How do I set up payWave or PayPass?

All new bank cards come automatically equipped with contactless payment technology – Visa payWave and Mastercard PayPass. Your card will clearly display “PayPass” or “payWave” in the bottom right hand corner. Just activate your new bank card and you’re ready to go.

If you have an older card that doesn’t already come equipped with tap-and-go functionality, you can simply contact your bank and request a new debit or credit card be sent to you.

Is there a difference between contactless payment on my credit or debit card?

If your contactless card is a debit card, all your payments will be drawn from your transaction or savings account (via the credit card system). If your contactless card is a credit card, transactions will always be drawn from your credit card account.

Compare credit cards with contactless payment options

Name Product Reward Contactless Payments Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Up to 10X Rewards points (4 miles per S$1 spent) on qualifying purchases
payWave
Apple Pay
S$0 annual fee for the first 2 years and S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
UOB PRVI Miles American Express Card
2.4 air miles for every S$1 spent overseas including online shopping on overseas websites.
Google Pay
Android Pay
Apple Pay
Samsung Pay
Amex Pay
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Enjoy up to 20,000 bonus air miles if you charge S$50,000 to your card in a year. Apply today and enjoy free transfers to Changi Airport.
DBS Live Fresh Card
Up to 5% cashback on online and contactless spend (including SimplyGo rides)
payWave
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get S$150 cashback when you sign up by 30 September 2020. T&Cs apply.
Citi Lazada Card
Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and travel purchases
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get S$150 Lazada Vouchers when you spend at least S$1,200. T&Cs apply. Ends 31 Dec 2020.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
POSB Everyday Card
Enjoy up to 8% cash rebates on daily essentials such as groceries and online food delivery
PayPass
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get S$150 cashback when you sign up by 30 September 2020. T&Cs apply.
UOB One Card
Up to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$150 in bonus cash credits. T&Cs apply.
UOB Delight Credit Card
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian.
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$85.60 thereafter
S$30,000
UOB Visa Infinite Metal Card
Get 2 air miles per S$1 spent overseas and 1.4 air miles per S$1 spent locally
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$642 annual fee
S$150,000
Receive up to 25,000 miles (UNI$12,500) when you’ve paid the annual fee. T&Cs apply.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
PayPass
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive a total of 10,000 KrisFlyer miles when you apply and spend a minimum of S$1,500 within 30 days upon membership. Ends 31 August 2020. Existing UOB cardmembers get 3,000 KrisFlyer miles after the first transaction of S$5 minimum. T&Cs apply.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on chosen category with no min. spend required
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get S$150 in bonus cash credits. T&Cs apply.Ends 31 August 2020.
DBS Live Fresh Student Card
Get AirPods with charging case (worth S$239) or S$40 worth of foodpanda vouchers when you sign up and meet the minimum spend requirement.
payWave
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 5 years and S$192.60 thereafter
N/A
Get AirPods with charging case (worth S$239) or S$40 worth of foodpanda vouchers when you sign up.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
payWave
Google Pay
Apple Pay
Samsung Pay
Amex Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get up to 48,000 miles or up to S$200 cashback when you sign up by 30 September 2020. T&Cs apply.
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
DBS Woman's Card
Up to 5X DBS Points (or 10 miles) per S$5 spent on online and overseas purchases
PayPass
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$160.50 thereafter
S$30,000
Get S$150 cashback when you sign up by 30 September 2020. T&Cs apply.
UOB PRVI Miles World Mastercard
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
PayPass
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
UOB Yolo Card
Wide range of discounts. Plus, complimentary travel insurance
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Google Pay
Apple Pay
Samsung Pay
Tap & Go with Mastercard
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
American Express True Cashback Card
Enjoy free travel insurance benefits of up to S$350,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
Standard Chartered Spree Credit Card
Up to 24.2% petrol savings at Caltex stations.
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus, up to 30% off on postal services and lots more.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
payWave
Apple Pay
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
Google Pay
Apple Pay
Samsung Pay
Amex Pay
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Earn up to 29,800 KrisFlyer miles with minimum spend of S$8,000 in your first 6 months.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
Standard Chartered Business Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 3 years and S$160.50 thereafter
S$30,000
Standard Chartered Visa Infinite X Credit Card
5 Rewards Points per $1 spent.
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$695.50 annual fee
S$80,000
Apply today via MyInfo and receive S$20 cashback. Ends 31 July 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
Google Pay
Apple Pay
Samsung Pay
Amex Pay
S$321 annual fee
S$80,000
Get S$150 Lazada Vouchers and up to 43,250 Membership Rewards points with minimum spend in your first 3 months and when you successfully refer a friend. T&Cs apply.
Standard Chartered Manhattan $500 Card
N/A
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$32.10 thereafter
S$18,000
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
Google Pay
Apple Pay
Samsung Pay
S$337.05 annual fee
S$50,000
Get up to 56,200 KrisFlyer miles with S$16,000 minimum spend within six months.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 lifestyle offers, and more
payWave
Apple Pay
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$321 annual fee
S$30,000
Apply today and receive up to S$80 cashback. Ends 30 September 2020.
Standard Chartered Prudential Visa Signature Card
Up to 10x rewards points on foreign spend, with no minimum spend required
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Google Pay
Android Pay
Apple Pay
Samsung Pay
EZ-Link
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citi Rewards Credit Card
10X Rewards on online and retail purchases at Lazada, Qoo10, TANGS and more.
Google Pay
Android Pay
Apple Pay
Samsung Pay
EZ-Link
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. 30 September 2020
Citi PremierMiles Card
Earn 2 Citi Miles for every S$1 overseas spend and 1.2 Citi Miles for every S$1 local spend.
Google Pay
Android Pay
Apple Pay
Samsung Pay
EZ-Link
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. 30 September 2020.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Google Pay
Apple Pay
Samsung Pay
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 September 2020.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) upon S$3,000 minimum spend within the first 3 months of card approval. Ends 30 September 2020.
Standard Chartered Prudential Platinum Credit Card
Earn 5 Rewards points on eligible dining transactions and 1 Rewards point on all other eligible transactions for every S$1 charged to your card
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Samsung Pay
S$0 annual fee for the first 2 years and S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Standard Chartered Visa Infinite Credit Card
Up to 3 miles for every $1 charged to your card with S$2,000 minimum spend
payWave
Google Pay
Android Pay
Apple Pay
Samsung Pay
S$588.50 annual fee
S$150,000
Earn 35,000 bonus miles in the form of 87,500 points when you apply online. Ends 31 December 2020.
Maybank eVibes Card - The Student Card
Up to 8% off accommodation bookings globally with Agoda.
Samsung Pay
S$0 annual fee for the first 2 years and S$20 thereafter
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. First 500 successful applicants only.
Maybank Platinum Visa Card
Get complimentary travel cover of up to S$500,000
Samsung Pay
S$0 annual fee for the first 3 years and S$80 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank Family & Friends Credit Card
Earn up to 8% cash rebates all-year round in grocery stores, supermarkets and online grocery shopping.
Samsung Pay
S$0 annual fee for the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank Manchester United Platinum Visa Card
Chance to win a trip for 2 to watch Manchester United FC every season
Samsung Pay
S$0 annual fee for the first 2 years and S$80 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank DUO Platinum Mastercard
Car servicing vouchers, vehicle merchandise and more
Samsung Pay
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank FC Barcelona Visa Signature Card
Chance to win a trip for 2 to watch FC Barcelona every season
Samsung Pay
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Samsung Pay
S$0 annual fee for the first 1 year and S$600 thereafter
S$150,000
Get complimentary enrolment to Maybank's Rewards Infinite Programme and gain access to VIP perks as you earn up to 5X reward points that never expire.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Samsung Pay
S$0 annual fee for the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
Samsung Pay
S$0 annual fee for the first 1 year and S$240 thereafter
S$80,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Standard Chartered Platinum Visa Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Google Pay
Apple Pay
Samsung Pay
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Earn 1 Rewards point for every S$1 charged to your card.
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How do I make a contactless tap-and-go payment?

The beauty of making a contactless payment is that it’s super fast and really easy to do.

  • Step 1. Make sure the payment is less than S$100, and check that the merchant accepts contactless payments.
  • Step 2. When the merchant asks how you’d like to pay, let them know you’d like to tap and go.
  • Step 3. Confirm the transaction amount is correct (you should do this regardless of how you’re paying).
  • Step 4. All you need to do is hold your card above the terminal and wait until you see it’s been approved. Done!

Where can I use my card to make contactless payments?

You can make contactless payments wherever PayPass and payWave are accepted. These days they are available in most places in Singapore including at supermarkets, department stores, petrol stations, cafes and public transport top-up machines. Look out for the contactless payment symbol on the payment terminal.

Are contactless payments safe?

There are a lot of measures in place to ensure you don’t accidentally make a payment without meaning to, or that someone can’t hijack the signal to rob you. Thanks to these, and additional safeguards put in place by Visa, Mastercard and Singapore banks, contactless payments are in some ways even more secure than classic debit or credit cards.

  • You don’t have to hand your card over. Your debit card won’t leave your hands, reducing the risk of someone skimming your card or copying the card details.
  • Unique transaction codes. When you make a payment, the transaction will be assigned a unique number that isn’t specific to your device. This prevents you from accidentally being billed twice, and makes sure all payments are clearly tracked.
  • S$100 purchase limit. Even if your card is compromised, there is a S$100 per transaction maximum in Singapore for tap-and-go payments. This means you’ll have to enter your PIN or sign as usual for larger transactions, but it also means people can’t steal as much if they do manage to get their hands on your card.
  • Built-in encryption. All cards can naturally be read by certain devices, and just like updating your software, there are security benefits to going for the newest cards available.

Additionally, you’re protected by Visa and Mastercard’s zero liability policies. These state that you will not be held liable for fraudulent or unauthorised transactions made on your locally issued cards, within reason.

What’s my contactless payment limit?

With contactless payment you can make purchases of up to S$100 without entering your PIN. If the purchase is over S$100, you can still make a contactless payment but you’ll need to enter your PIN.

Are there any hidden charges?

Waving the card next to a terminal instead of inserting generally won’t cost you anything extra. However that’s only what you see as a customer. On the other end, choosing to tap-and-go can result in different costs for the retailer.

If you’re making a purchase with a debit card – inserting, pressing “Cheque” or “Savings” and then putting in your PIN – the payment will be processed through an EFTPOS system. However if you’re using payWave or PayPass the payment will often be processed through a different system – the credit card networks owned by Visa or Mastercard.

The service is free for consumers at most retail points. However, taxi fares paid with a credit card will attract a 10% surcharge. For merchants for accepting Visa and Mastercard payments, as well as mobile wallets such as Apple Pay, Android Pay and Samsung Pay, a 3 % transaction fee is imposed.

How long does it take for a contactless payment to come out of my account

Contactless payment transactions are usually processed within 3-5 business days, but it can take longer. While the transaction is pending, the purchase may be deducted from your available funds.

The pros and cons of tap-and-go payments

Pros

  • Convenient. Just tap your debit card. No need to enter a PIN or sign a receipt on transactions under S$100. If most people start using contactless cards, it can also lead to quicker transactions and shorter queues.
  • Safe. No typing errors, such as incorrectly keying your PIN or accidentally pressing cancel.
  • Secure. Backed up by the guarantees offered by the cards and the latest security technology.

Cons

  • Misuse. Since the card doesn’t require a PIN or a signature for payments of up to S$100, you cannot rule out its misuse completely. This can happen if you don’t realise you’ve lost your card quickly enough, or even if someone you know decides to use your card without your knowledge.
  • Acceptance. While contactless payments are extremely popular in Singapore, some merchants may not have a contactless terminal.
  • S$100 limit. While the S$100 limit is in place for your security, you’ll need to enter your PIN for any purchases larger than this amount.
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