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Compare credit cards for July 2020

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
S$30,000
Earn up to 3.5% cashback and pay S$0 annual fee for (at least) the first year. Plus, no minimum spend applies.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to S$150 cash back when you spend
S$800 within the qualifying spend period. Ends 31 Aug 2020

S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Get up to S$1,000 p.a. in cash rebates from your dining, grocery and petrol spending.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 within the qualifying spend period. Ends 31 Aug 2020
S$0 annual fee for the first 2 years and S$160.50 thereafter
S$30,000
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
Enjoy free travel insurance benefits of up to S$350,000
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
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.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2021
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 September 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$80,000
Get up to 77,000 Membership Rewards points with minimum spend in your first 6 months and when you successfully refer a friend. T&Cs apply.
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
N/A
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles if you spend at least S$10,000 within the first three months. Ends 30 September 2020.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
Get a referral bonus of S$50 worth of CapitaVouchers when you refer a friend.
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 June 2020.
POSB Everyday Card
Enjoy up to 15% cash rebates on daily essentials such as groceries and online food delivery
Get AirPods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 31 July 2020.
DBS Woman's Card
Up to 5X DBS Points (or 10 miles) per S$5 spent on online and overseas purchases
Get AirPods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and S$160.50 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 31 July 2020.
DBS Live Fresh Card
Up to 10% cashback on online and contactless spend (including SimplyGo rides)
Get AirPods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 31 July 2020.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
Get 38,000 miles or AirPods when you apply by 31 July 2020.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get up to 38,000 miles or AirPods when you sign up by 31 July 2020.
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Earn up to 8% cashback on everyday spending categories and enjoy an array of promotions with this credit card.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Receive up to 5% cash back on your daily spends, whether it's online shopping, groceries, SMRT rides or movies.
Citi Rewards Credit Card
10X Rewards on online and retail purchases at Lazada, Qoo10, TANGS and more.
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Enjoy 10X Rewards on your shopping worldwide. Plus take advantage of a first year-annual fee waiver.
Citi PremierMiles Card
Earn 2 Citi Miles for every S$1 overseas spend and 1.2 Citi Miles for every S$1 local spend.
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive up to 37,300 bonus miles that never expire with Citi PremierMiles Card.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Accelerate your reward points and air miles earning with the Citibank Citi Prestige Credit Card.
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Earn 1.5% cashback on all of your credit card spend with no minimum spend. Additionally, get 1% cashback on your approved Funds Transfer Amount.

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
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
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 NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
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 Spree Credit Card
Up to 24.2% petrol savings at Caltex stations.
Get up to 3% cashback on all online spend in foreign currency and all vPost spend.
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.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
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.
Maybank eVibes Card - The Student Card
Up to 8% off accommodation bookings globally with Agoda.
1% cash rebate on all spend
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
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
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.
Up to 8% cashback with minimum spend of S$800 per month
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
1% cash rebate and 1X TREATS Points for every dollar spend.
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
5% cash rebate on petrol transactions in Singapore and Malaysia
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
1.6% cash rebate on all spend locally. No minimum spend or cap
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
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and S$600 thereafter
S$150,000
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 Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations, public transport charges and Agoda hotel bookings.
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
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
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.
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Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
UOB Yolo Card
Wide range of discounts. Plus, complimentary travel insurance
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback in selected categories
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.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 within the qualifying spend period. Ends 31 Aug 2020
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 SS670) 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.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
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 SS670) 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.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to S$150 cash back when you spend
S$800 within the qualifying spend period. Ends 31 Aug 2020

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 SS670) 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
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2021
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 September 2020.
American Express True Cashback Card
Enjoy free travel insurance benefits of up to S$350,000
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
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.
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
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
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.
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.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and enjoy up to 3,000 KrisFlyer miles if you charge at least S$1,500 to your credit card in the first month.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on chosen category with no min. spend required
New customers can get S$150 in bonus cash credits. T&Cs apply.
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.
UOB PRVI Miles American Express Card
2.4 air miles for every S$1 spent overseas including online shopping on overseas websites.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 400 new customers only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy free transfers to Changi Airport. Plus, 20,000 bonus air miles if you charge S$50,000 to your card in a year.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
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 PRVI Miles World Mastercard
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
Get a referral bonus of S$50 worth of CapitaVouchers when you refer a friend.
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 June 2020.
POSB Everyday Card
Enjoy up to 15% cash rebates on daily essentials such as groceries and online food delivery
Get AirPods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 31 July 2020.
DBS Woman's Card
Up to 5X DBS Points (or 10 miles) per S$5 spent on online and overseas purchases
Get AirPods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and S$160.50 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 31 July 2020.
DBS Live Fresh Card
Up to 10% cashback on online and contactless spend (including SimplyGo rides)
Get AirPods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 31 July 2020.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
Get 38,000 miles or AirPods when you apply by 31 July 2020.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get up to 38,000 miles or AirPods when you sign up by 31 July 2020.
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
Citi PremierMiles Card
Earn 2 Citi Miles for every S$1 overseas spend and 1.2 Citi Miles for every S$1 local spend.
Up to 10% cash back at selected merchants
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.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
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 Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
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.
Citi Rewards Credit Card
10X Rewards on online and retail purchases at Lazada, Qoo10, TANGS and more.
Up to 10% cash back at selected merchants
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 Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
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.
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Earn 1.5% cashback on all of your credit card spend with no minimum spend. Additionally, get 1% cashback on your approved Funds Transfer Amount.

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
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
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 NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
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 Spree Credit Card
Up to 24.2% petrol savings at Caltex stations.
Get up to 3% cashback on all online spend in foreign currency and all vPost spend.
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.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
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.
Maybank eVibes Card - The Student Card
Up to 8% off accommodation bookings globally with Agoda.
1% cash rebate on all spend
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
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
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.
Up to 8% cashback with minimum spend of S$800 per month
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 DUO Platinum Mastercard
Car servicing vouchers, vehicle merchandise and more
5% cash rebate on petrol transactions in Singapore and Malaysia
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
1.6% cash rebate on all spend locally. No minimum spend or cap
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
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and S$600 thereafter
S$150,000
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 Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations, public transport charges and Agoda hotel bookings.
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
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
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.
Maybank Manchester United Platinum Visa Card
Chance to win a trip for 2 to watch Manchester United FC every season
1% cash rebate and 1X TREATS Points for every dollar spend.
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.
Standard Chartered Prudential Visa Signature Card
Up to 10x rewards points on foreign spend, with no minimum spend required
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
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 Visa Infinite X Credit Card
3 miles per $1 spent on foreign currency.
Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
S$695.50 annual fee
S$30,000
Apply today via MyInfo and receive S$20 cashback. Ends 31 July 2020.
UOB Delight Credit Card
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian.
Up to 10% SMART$ rebate at over 300 participating outlets islandwide.
S$0 annual fee for the first 1 year and S$85.60 thereafter
S$30,000
Standard Chartered Manhattan $500 Card
N/A
Earn 0.25% cashback on everything you spend.
S$0 annual fee for the first 1 year and S$32.10 thereafter
S$18,000
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
Apply today and receive up to S$80 cashback. Ends 30 September 2020.
S$321 annual fee
S$30,000
Apply today and receive up to S$80 cashback. Ends 30 September 2020.
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Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 within the qualifying spend period. Ends 31 Aug 2020
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 SS670) 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.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 400 new customers only.
S$0 annual fee for the first 1 year and S$256.80 thereafter
S$30,000
Apply today and enjoy free transfers to Changi Airport. Plus, 20,000 bonus air miles if you charge S$50,000 to your card in a year.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to S$150 cash back when you spend
S$800 within the qualifying spend period. Ends 31 Aug 2020

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 SS670) 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.
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.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and enjoy up to 3,000 KrisFlyer miles if you charge at least S$1,500 to your credit card in the first month.
UOB Yolo Card
Wide range of discounts. Plus, complimentary travel insurance
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback in selected categories
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on chosen category with no min. spend required
New customers can get S$150 in bonus cash credits. T&Cs apply.
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.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
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 SS670) 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 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
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
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.
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What is a credit card?

A credit card is a form of unsecured credit issued by banks. It allows users to make purchases without having to pay with cash and withdraw money from ATM machines. All Singapore credit cards come with a credit limit and an interest rate which is set by the lender. Credit cards are different from debit cards which are tied to actual money in a savings account.

How does a credit card work?

When you use a credit card, you are essentially borrowing money from the bank to pay the retailer for goods or services. You’ll get a credit limit from the lender and this is how much you can spend on the card. The limit can range from around S$500 to thousands of dollars. The bank sets your limit after they’ve assessed your ability to make repayments.

At the end of each monthly billing cycle, you’ll receive a statement that tells you the total amount you owe the bank. By paying back the debt in full and on time, you typically won’t be charged any interest fees.

Different credit cards are suited to different kinds of uses. There are many types of credit cards in Singapore, including those which let you accrue rewards, air miles and cash rebates. The type of card that will work best for you will depend on a number of factors. These include:

  • What you want to use the card for
  • What you want to get back from the card, such as perks or cashback
  • Your financial history, including your credit score
  • The cards you’re eligible for

What type of credit card am I looking for?

Some of the brands we compare

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Compare credit card features – rewards and cashback

Rewards cards

A rewards card can be a worthwhile way to get something back from your spending. Whether you’re a frequent flyer, loyal customer or big grocery spender, you can find a rewards credit card to suit almost any lifestyle.

  • The major draw of this type of card is earning points that can be redeemed for rewards. Depending on the card you use and the promotions in place, you may be able to earn bonus points when making certain types of purchases or shopping with a particular retailer.
  • What you can redeem your points for will vary from card to card. Some allow you to redeem points for flight rewards as well as shopping or travel vouchers. Others can be used for cash back, to redeem merchandise or even to donate to charity. Learn more about how rewards credit cards work.

Cashback

Like a rewards card, a cashback card gets you something back on your spending. Cashback cards pay back a percentage of your credit card spend, usually as a statement credit. You could receive, for example, 1.5% back on every dollar of spending.

  • Cashback cards have the benefit of being straightforward: you don’t need to worry about the best way to maximise your credit card rewards, you simply get paid a fixed percentage.
  • Your cashback is credited to your account automatically, so you don’t need to worry about points expiring, or the loss of accumulated rewards due to account closure.
  • With the right card, cashback is effectively a permanent discount on all your spending – as long as you repay your balance before interest charges start.

Air miles

There are a lot of ways to get a return on your credit card spend and for the savvy traveller air miles can be a very attractive alternative to broader rewards cards or cashback cards.

  • Used for the right flights or flight upgrades, redeeming air miles can offer some of the highest percentage returns on every dollar you spend compared to other types of credit card rewards.
  • You can often transfer your air miles into other points programmes, including car hire or hotel loyalty programs.
  • Air miles are usually awarded on all of your credit card spending, no matter where you pay your air miles card will earn you something back.
  • Look out for accelerated earnings when you use your card while you travel.

Shopping rewards

Many credit cards offer discounts at selected stores when you pay with your card, or offer an accelerated reward earning rate at specific stores. If you regularly shop at certain retailers getting the matching card can save you a lot of money.

  • Expect to see significant discounts in the order of 10% to 15% with some cards and retailers, or offers such as saving S$20 when you spend at least S$80.
  • Accelerated rewards earnings rates are essentially the equivalent of a discount: earning 10X the rewards when you shop can work out to be a significant return in percentage terms.

Dining rewards

If you like dining out think about a card that offers discounts on dining or a higher cashback or rewards earning rate on your restaurant spend.

  • The savings on eating in a restaurant when you pay with a credit card that offers solid dining benefits can be very attractive, including two for one dining offers and discounts of up to 50%.
  • You could qualify for other benefits including special events.
  • Credit card dining benefits cover a range of tastes and preferences so there’s likely to be a card that offers discounts and benefits at your style of restaurant.

Petrol rewards

The savings you can get on a credit card with petrol discounts can be excellent, including savings rates of over 20% on some cards, so it is really worth paying for filling up your car using a suitable credit card.

  • Get a mix of on the spot discounts, cashback on your statement and rewards points when you pay for petrol with your credit card.
  • Petrol discounts cover a wide range of service stations around the country.
  • Your petrol discount is usually uncapped, you can save money every time you stop to fill up.

Understanding APR

If you’ve used your card for purchases, your debt begins to accrue interest. This is called an APR, or annual percentage rate, and it usually ranges between 11.99% and 28%. APR lets you know how much interest you’ll need to pay for borrowing money on a credit card. It takes into account regular interest, along with any other fees and charges. Therefore, APR can be a useful indicator of how competitive a credit card is.

How do interest charges work?

Each month, you’ll receive a credit card statement. Your statement will include key details such as:

  • The transactions you’ve made,
  • Your total outstanding balance, and
  • Any interest you’ve built up.

If you pay your entire credit card balance in full each month, you can usually take advantage of up to 55 interest-free days in the next statement period. Basically, you won’t pay any interest on what you’ve borrowed.

However, if you don’t pay off the whole debt then you’ll be charged interest on what’s left. That’s why it’s always best to pay all of your balance each month. Keep in mind that, if you miss the minimum repayment – which is typically about 2-3% of your total balance – you’ll be charged late payment fees. You may want to try our credit card interest calculator to test how long it could take to pay off debt.

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How am I charged for using a credit card?

  • Annual fee. This is the cost to own a credit card. The annual fee ranges from S$0 to hundreds of dollars depending on the credit card type. The credit card annual fee is deducted from your available credit and accrues interest at the purchase rate if it isn’t paid in the first statement period. Learn more about no annual fee cards.
  • Interest rates. There are no interest charges levied on your purchases if you pay off the card balance within the grace period. Beyond that, credit cards here typically charge an interest of 24-28% per annum on your card balances. As the interest is compounded and charged on a daily basis, they can easily accumulate if you keep rolling over your balances month-on-month.
  • Repayments. You’re free to repay as much as you like as often as you like. You’re required to make the minimum repayment when your statement is issued. The minimum repayment is usually 5% of your outstanding balance. You will pay a late payment fee if you don’t make the minimum repayment by the statement due date.
  • Other fees. Other fees you may run into include late payment fees, overlimit fees for spending past your credit limit, foreign transaction fees, rewards program membership fees and cash advance fees.

6 credit card application tips

  1. Assess your needs. Before you begin your search, spend some time considering what you want, need and can afford with your next credit card.
  2. Compare your options. Once you’ve decided what type of card you want, it’s time to begin comparing your options.
  3. Am I eligible? Know the requirements for the card application – do you need a minimum income, and do you meet the age limit?
  4. Know your credit score. You should request a copy of your credit history before applying, so you can correct any possible errors on it and see exactly what the bank will be seeing when they assess your application.
  5. Lower your credit utilisation ratio. If you already have a credit card balance, it’s wise to pay off your existing balances before submitting a new credit card application.
  6. Avoid applying for multiple cards at once, or within a short period. Each credit enquiry that a lender makes about your credit history leaves a new mark on your credit file. If you’re turned down for a card, try to find out why you might have been declined before you apply again.

12 essential credit card tips to ace your application

Understanding your credit score

In Singapore, banks and other lenders mostly rely on the Credit Bureau Singapore (CBS) credit score to determine the repaying capacity of the applicant and the probability of default on loans. The CBS Credit score is a 4-digit number computed by the CBS. It’s based on the applicant’s record of past repayments of loans and credit card debts.

The score set ranges from 1000 to 2000, whereby 1000 indicates a high risk of default and is thus considered a poor credit score. Conversely, 2000 is an excellent credit score, indicating the lowest risk of default. Read more about how you could improve your credit score before you apply for a card.

Pros and cons of credit cards

Pros

  • Convenience. When used smartly, credit cards offer a hassle-free way to pay for goods and services. They’re easy to use in-store, online and overseas both with plastic and through a smart device. They come with multiple layers of security and fraud protection, so if anything happens to your card details your money is still safe.
  • Rewards. The Singapore credit cards market is a competitive one, and you can take advantage of generous sign-up bonuses and perks, ranging from free luggage to 10x cashback boosts and more.
  • Using a credit card can give you “something for nothing” – as long as the rewards you earn are more valuable than the card’s overall costs. So, if you’re organised and you can pay off your balance in full each month, you can use card a bit like an interest-free loan as you’re effectively borrowing money for free.

Cons

  • Debt. You could end up in a spiral of debt if you don’t manage your credit card account in the right way. On top of spending money you don’t actually have, the interest costs add up quickly if you don’t pay your balance back in full.
  • Cost of borrowing. Compared to some other loan products, credit cards are relatively expensive. Always keep in mind that penalty charges and fees will apply if you miss repayments for any reason, or go over your agreed credit limit.

How to apply

Firstly, keep in mind that you’ll have to meet the card issuer’s minimum eligibility requirements to have any chance for your application to be approved.

Once you’ve done a thorough comparison and you’re ready to apply for a new card, just click on the ‘Go to site’ button in the table or review. This takes you to the official application page of your chosen lender on this page. There, you can read the full terms and conditions before starting a secure, online application with the bank or lender. This also means that Finder doesn’t collect your personal details or information during the application process.

Credit card eligibility

Eligibility requirements for a credit card usually include:

  • Age. Cardholders must be at least 18 years of age for student cards, 21 years old for regular credit cards. The minimum age for a supplementary cardholder is also at least 18 years old.
  • Residential status. Most credit cards are open to application for Singaporeans, permanent residents(PR) and foreigners alike, subject to varying income requirements and additional documents.
  • Minimum income. The minimum income requirement will vary between cards, but they usually start at S$30,000 p.a. for most basic credit cards and around S$80,000 or above for higher-tier products.
  • Credit history. All credit card issuers require applicants to have a good credit history. A lender needs to assess how likely it is you will be able to meet your repayments.

Again, make sure you confirm that you meet the eligibility criteria before you submit your application for a credit card in Singapore; rejected applications can have a negative impact on your credit score.

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Frequently asked questions

Why should I use Finder to look for a credit card?

Finder makes it easy to compare dozens of Singapore credit cards side-by-side, in order to help you find one that meets your personal needs and circumstances. Start by working out the card type which will work for you. This will vary depending on the way you like to spend. When you are sure that you’ve met the eligibility requirements and you’re ready to apply, click ‘Go to site’. You’ll then be taken to your chosen provider’s website – the rest won’t take long.

What’s a good first-time credit card to apply for?

That’s really up to you to decide. After all, the right card is one that’s matched to your circumstances. If you’ve just started further education, then a student credit card can offer you a great start in terms of credit accountability, while allowing you to benefit from relevant card perks during your studies. Find out more about how student credit cards work.

If I pay off my balance each month, what types of card should I consider?

If you’re careful with managing you spending and can commit to paying off your credit card balance in full, then you may find a credit card that offers rewards is a good option to consider. Such cards offer a range of deals, from discounts on petrol to shopping perks at your favourite store or dining out. Also, you could maximise the benefits of cashback on your purchases as this type of card may benefit you each time you spend.

Is everyone offered the same rate of interest?

No, you may have to pay a higher rate of interest if you’re seen as a high-risk borrower. Every card issuer has a different criteria for the rates they offer, and it’s no different when it comes to fees and charges. We encourage you to read the terms and conditions carefully before choosing a credit card, in order to get a clear picture of the cost of your borrowing.

What’s the minimum credit score for a credit card?

Unfortunately, there’s no hard and fast rule. Generally speaking, most Singapore credit card issuers may turn down applicants who have a bad credit history. That’s why it can be helpful to order a copy of your credit report before you apply.

The score set by the Credit Bureau of Singapore ranges between 1,000 and 2,000. The higher your score, the lower your lending risk is likely to be. Those who score close to 2000 – which equates to the highest possible credit score risk grade of AA – will have the very best chance of approval.

Can I withdraw cash on a credit card?

You can, but that doesn’t mean you should. In Singapore, this may be around 5% of the amount of the advance, or S$10 (whichever is greater).

Typically, you’ll have to pay interest starting on the day you take out a cash withdrawal. Plus, you could face extra charges for borrowing cash on a card. This is especially true if you take money out while you’re overseas. If you’re planning to travel, look for a card that offers low or 0% fees on foreign transactions.

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