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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.

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Answer 2 quick questions to find the best credit card for you.
Name Product Reward Contactless Payments Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per S$1 spent on qualifying purchases.
payWave,Apple Pay
S$0 annual fee
S$30,000
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$30 cashback. T&Cs apply. Ends 31 Aug 2021.
UOB PRVI Miles American Express Card
Earn 1.4 miles for every S$1 spent locally and 2.4 miles for every S$1 spent overseas.
Google 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 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$200 cashback with promo code ‘200CASH' when you apply online via digibank or Myinfo with Singpass and charge a minimum of S$800 within 60 days from card approval date. T&Cs apply. Valid until 30 Sep 2021.
Citi Lazada Card
Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases
payWave,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
New Citibank customers can get up to S$250 Lazada & RedMart vouchers upon minimum spend of S$250. T&Cs apply. Ends 31 Aug 2021.
UOB One Credit Card
Receive S$150 cash credit when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date.
payWave,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 July 2021.
DBS Live Fresh Student Card
Get 5% cashback from your favourite brands and your favourite music, movies and TV streaming services.
payWave,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 5 years and S$192.60 thereafter
N/A
Get 5% cashback from your favourite brands and your favourite music, movies and TV streaming services.
UOB PRVI Miles World Mastercard
Earn 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas, including online shopping.
PayPass,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 July 2021.
UOB EVOL Card
Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
payWave,Google Pay,Apple Pay,Samsung Pay
S$192.60 annual fee
S$30,000
Receive Apple Watch SE or Nintendo Switch Lite when you apply for a new UOB EVOL Credit Card and spend a minimum of S$1,000 within 30 days from card approval date. First 100 successful applicants. T&C apply. Ends 16 Aug 2021.
Citi Cash Back+ Card
Get up to 20.88% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive 4.5% cash back on up to S$5,000 spend (up to S$225 cash back) in the first 3 months. T&Cs apply. Valid until 30 Nov 2021.
UOB Absolute Cashback Card
UOB Absolute Cashback Card
Enjoy 1.7% limitless cashback with no minimum spend and no spend exclusions.
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
Receive up to 5% cashback (equivalent to S$150) when you apply for a new credit card and spend your first S$3,000. T&Cs apply. Ends 31 July 2021.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
payWave,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 July 2021.
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$200 cashback with promo code ‘200CASH' when you apply online via digibank or Myinfo with Singpass and charge a minimum of S$800 within 60 days from card approval date. T&Cs apply. Valid until 30 Sep 2021.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot and KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
PayPass,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive up to 10,000 miles when you apply for a new credit card, make your first transaction (minimum of S$5 and spend at least S$4,000 within first 90 days (ends 31 July 2021). T&Cs apply.
UOB Lady's Card
Earn 10X UNI$ (or 20 miles) per S$5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 31 July 2021.
OCBC Cashflo Credit Card
N/A
PayPass,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 2 years and S$160.50 thereafter
S$30,000
Get up to S$100 in cash rebates every month.
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,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.
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$200 cashback with promo code ‘200CASH' when you apply online via digibank or Myinfo with Singpass and charge a minimum of S$800 within 60 days from card approval date. T&Cs apply. Valid until 30 Sep 2021.
UOB Delight Credit Card
N/A
payWave,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$85.60 thereafter
S$30,000
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 S$200 cashback or up to 38,000 miles when you apply online via digibank or Myinfo with Singpass. T&Cs apply. Valid until 30 Sep 2021.
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
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
Receive up to S$200 cashback when you apply and make one eligible transaction. T&Cs apply. Ends 31 Jul 2021.
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.
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 25% off on postal services and lots more.
American Express True Cashback Card
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.
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.
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 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$30 cashback. T&Cs apply. Ends 31 Aug 2021.
American Express Singapore Airlines KrisFlyer Credit Card
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.
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
Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional S$200 statement credits if you are new to American Express. T&Cs apply.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 reward 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
Receive up to S$200 cashback when you apply and make one eligible transaction. T&Cs apply. Ends 31 Jul 2021.
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,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 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 25,000 Membership Rewards points upon annual fee payment. Valid until 30 Sep 2021.
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
Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
Google Pay,Apple Pay,Samsung Pay
S$337.05 annual fee
S$50,000
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. Ends 30 Sep 2021.
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
payWave,Google Pay,Apple Pay,Samsung Pay
S$321 annual fee
S$30,000
Receive up to S$80 cashback when you apply a new credit card. T&Cs apply. Ends 31 Jul 2021.
HSBC Advance Credit Card
Receive up to S$200 cashback when minimum spend requirements are met.
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 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$30 cashback. T&Cs apply. Ends 31 Aug 2021.
Standard Chartered Prudential Visa Signature Card
Earn up to 5X rewards points for every S$1 spent for eligible dining transactions, with no minimum spend required. T&Cs apply.
payWave,Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Receive up to S$200 cashback when you apply and make one eligible transaction. T&Cs apply. Ends 31 Jul 2021.
Citi Cash Back Card
Get up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
Google 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.
Citibank SMRT Card
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
Google Pay,Apple Pay,Samsung Pay
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. End 30 Nov 2021.
Citi Rewards Credit Card
10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
Google Pay,Apple Pay,Samsung Pay
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. Ends 31 Aug 2021.
Citi PremierMiles Card
Earn 1.2 Citi Miles for every S$1 spent locally, 2 Citi Miles for every S$1 spent overseas and 4 Citi Miles for every S$1 spent on food delivery & home entertainment.
Google Pay,Apple Pay,Samsung Pay
S$192.60 annual fee
S$30,000
Get 45,000 miles when you spend S$9,000 in the first 3 months. Annual fee applies.
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$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 Sep 2021.
American Express CapitaCard
Earn up to 3% rebate (6X STAR$) when you shop at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
Google Pay,Apple Pay,Samsung Pay
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
New card members can receive 150,000 STAR$ upon S1,500 minimum spend within the first 3 months of card approval. T&Cs apply. Ends 30 Sep 2021.
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
Receive up to S$200 cashback when you apply and make one eligible transaction. T&Cs apply. Ends 31 Jul 2021.
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
Earn TREATS Points for every dollar spent and redeem them for vouchers, cash credits and air miles.
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,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 for the Visa Infinite Credit Card.
Maybank eVibes Card - The Student Card
Earn 1% cash rebate on all spend. Also enjoy up to 7% off accommodation bookings globally with Agoda. T&Cs apply.
Samsung Pay
S$0 annual fee for the first 2 years and S$20 thereafter
N/A
Get S$50 cash credit upon spending S$150 within the first two months upon approval. T&Cs apply.
Maybank Platinum Visa Card
Enjoy up to 3.33% cash rebates on local and foreign currency spend. Minimum spend requirements and cashback caps apply.
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 2021.
Maybank Family & Friends Credit Card
Earn up to 8% cash rebates in grocery stores, supermarkets, online grocery shopping and other categories when minimum spend requirements are met.
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 2021.
Maybank Manchester United Platinum Visa Card
Earn 1X TREATS Points for every dollar spent.
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 2021.
Maybank DUO Platinum Mastercard
5% cashback for petrol, plus earn rewards points and exchange them for car servicing vouchers, vehicle merchandise and more.
Samsung Pay
S$0 annual fee for the first 3 years and S$120 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 2021.
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 2021.
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 2021.
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 2021.
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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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.

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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    Make payments conveniently at over 61 million merchants across the world with a Visa debit card. Find out which banks in Singapore offer them.

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