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Compare credit cards for August 2019

Name	Balance transfer rate	Reward	Annual Fee	Min Income - Singaporean and PR
Standard Chartered Unlimited Cashback Credit Card	0%	1.5% cashback on all spend with no cap and no minimum spend	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Rewards+ Credit Card	0%	Up to 10X rewards points for every S$1 spent in foreign currency	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express True Cashback Card	0%	1.5% cashback on all purchases with no minimum spend and no cap	S$0 annual fee for 1 year - S$171.20 thereafter	S$30,000	Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.	Go to site More Info	Compare	loading Fetching your data...
HSBC Visa Platinum Card	0%	Up to 5% cash rebate on groceries, fuel and dining	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Credit Card	0%	Get up to 1.1 KrisFlyer miles for every S$1 spent	S$0 annual fee for 1 year - S$176.55 thereafter	S$30,000	Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
HSBC Revolution Credit Card	0%	Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases	S$0 annual fee for 2 years - S$160.50 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Business Platinum Credit Card	0%	Earn 1 Rewards point for every S$1 charged to your card	S$0 annual fee for 3 years - S$160.50 thereafter	S$30,000	Get a one-time cashback of S$65 on your electricity bill at participating OEM retailers. Ends 31 Aug 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Platinum Credit Card	0%	Up to 50% off your food bill for unlimited visits at hotels around Singapore	S$321 annual fee	S$50,000	Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Ascend Credit Card	0%	Get up to 1.2 KrisFlyer miles for every S$1 spent	S$337.05 annual fee	S$50,000	Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
HSBC Advance Credit Card	0%	Up to 3.5% cashback on all purchases with no minimum spend	S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi Cash Back Card	0%	Earn up to 8% cash back on dining, groceries and petrol.	S$0 annual fee for 1 year - 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. Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
Citibank SMRT Card	0%	Up to 5% savings on groceries, fast food, movies, and coffee.	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi Rewards Credit Card	0%	10X Rewards on your shopping spend (local and overseas) and online purchases (except travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required	S$0 annual fee for 1 year - S$192.60 thereafter	S$30,000	Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi Prestige Card	1%	Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend	S$535 annual fee	S$120,000	Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi PremierMiles Visa Card	0%	2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally	S$0 annual fee for 1 year - S$192.60 thereafter	S$30,000	Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee.	Go to site More Info	Compare	loading Fetching your data...
American Express CapitaCard	0%	Earn 3X STAR$ when you shop at participating CapitaLand malls	S$0 annual fee for 1 year - S$171.20 thereafter	S$30,000	Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) when you spend S$3,000 within the first three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Spree Credit Card	0%	Up to S$60 cashback monthly with no minimum spend	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Prudential Platinum Credit Card	0%	Earn 1 Rewards point for every S$1 charged to your card	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Business Platinum Mastercard	0%	Earn 1 TREATS Points per dollar spent	S$0 annual fee for 2 years - S$180 thereafter	S$30,000	Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.	Go to site More Info	Compare	loading Fetching your data...
Maybank eVibes Card - The Student Card	0%	Earn 1% cash rebate on all spend	S$0 annual fee	N/A	Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.	Go to site More Info	Compare	loading Fetching your data...
Maybank Platinum Visa Card	0%	Up to 3.33% cash rebates on local spend	S$0 annual fee	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Family & Friends Card	0%	8% cash rebates on groceries, transport and selected merchants with S$1,000 min. monthly spend	S$0 annual fee for 3 years - S$180 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Manchester United Platinum Visa Card	0%	Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore	S$0 annual fee for 2 years - S$80 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank DUO Platinum Mastercard	0%	5% cash rebate on petrol in Singapore and Malaysia	S$0 annual fee for 3 years - S$120 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank FC Barcelona Visa Signature Card	0%	1.6% unlimited cash rebate on all local spend	S$120 annual fee	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Visa Infinite Card	0%	Earn up to 5X TREATS Points (2 air miles) on all spend	S$0 annual fee for 1 year - S$600 thereafter	S$150,000	Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Horizon Visa Signature Card	0%	Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon	S$0 annual fee for 3 years - S$150 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank World Mastercard	0%	10X TREATS Points (4 air miles) on every S$1 spent	S$0 annual fee for 1 year - S$240 thereafter	S$80,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Name	Balance transfer rate	Reward	Annual Fee	Min Income - Singaporean and PR
Standard Chartered Unlimited Cashback Credit Card	0%	1.5% cashback on all spend with no cap and no minimum spend	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Rewards+ Credit Card	0%	Up to 10X rewards points for every S$1 spent in foreign currency	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express True Cashback Card	0%	1.5% cashback on all purchases with no minimum spend and no cap	S$0 annual fee for 1 year - S$171.20 thereafter	S$30,000	Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.	Go to site More Info	Compare	loading Fetching your data...
HSBC Visa Platinum Card	0%	Up to 5% cash rebate on groceries, fuel and dining	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Credit Card	0%	Get up to 1.1 KrisFlyer miles for every S$1 spent	S$0 annual fee for 1 year - S$176.55 thereafter	S$30,000	Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
HSBC Revolution Credit Card	0%	Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases	S$0 annual fee for 2 years - S$160.50 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
HSBC Advance Credit Card	0%	Up to 3.5% cashback on all purchases with no minimum spend	S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi Cash Back Card	0%	Earn up to 8% cash back on dining, groceries and petrol.	S$0 annual fee for 1 year - 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. Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
Citibank SMRT Card	0%	Up to 5% savings on groceries, fast food, movies, and coffee.	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi Rewards Credit Card	0%	10X Rewards on your shopping spend (local and overseas) and online purchases (except travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required	S$0 annual fee for 1 year - S$192.60 thereafter	S$30,000	Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi PremierMiles Visa Card	0%	2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally	S$0 annual fee for 1 year - S$192.60 thereafter	S$30,000	Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Spree Credit Card	0%	Up to S$60 cashback monthly with no minimum spend	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Prudential Platinum Credit Card	0%	Earn 1 Rewards point for every S$1 charged to your card	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Business Platinum Mastercard	0%	Earn 1 TREATS Points per dollar spent	S$0 annual fee for 2 years - S$180 thereafter	S$30,000	Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.	Go to site More Info	Compare	loading Fetching your data...
Maybank eVibes Card - The Student Card	0%	Earn 1% cash rebate on all spend	S$0 annual fee	N/A	Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.	Go to site More Info	Compare	loading Fetching your data...
Maybank Platinum Visa Card	0%	Up to 3.33% cash rebates on local spend	S$0 annual fee	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Family & Friends Card	0%	8% cash rebates on groceries, transport and selected merchants with S$1,000 min. monthly spend	S$0 annual fee for 3 years - S$180 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank DUO Platinum Mastercard	0%	5% cash rebate on petrol in Singapore and Malaysia	S$0 annual fee for 3 years - S$120 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank FC Barcelona Visa Signature Card	0%	1.6% unlimited cash rebate on all local spend	S$120 annual fee	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Visa Infinite Card	0%	Earn up to 5X TREATS Points (2 air miles) on all spend	S$0 annual fee for 1 year - S$600 thereafter	S$150,000	Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Horizon Visa Signature Card	0%	Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon	S$0 annual fee for 3 years - S$150 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank World Mastercard	0%	10X TREATS Points (4 air miles) on every S$1 spent	S$0 annual fee for 1 year - S$240 thereafter	S$80,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Name	Balance transfer rate	Reward	Annual Fee	Min Income - Singaporean and PR
American Express Singapore Airlines KrisFlyer Credit Card	0%	Get up to 1.1 KrisFlyer miles for every S$1 spent	S$0 annual fee for 1 year - S$176.55 thereafter	S$30,000	Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
HSBC Revolution Credit Card	0%	Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases	S$0 annual fee for 2 years - S$160.50 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Platinum Credit Card	0%	Up to 50% off your food bill for unlimited visits at hotels around Singapore	S$321 annual fee	S$50,000	Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Ascend Credit Card	0%	Get up to 1.2 KrisFlyer miles for every S$1 spent	S$337.05 annual fee	S$50,000	Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi PremierMiles Visa Card	0%	2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally	S$0 annual fee for 1 year - S$192.60 thereafter	S$30,000	Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee.	Go to site More Info	Compare	loading Fetching your data...
Citi Prestige Card	1%	Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend	S$535 annual fee	S$120,000	Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Business Platinum Mastercard	0%	Earn 1 TREATS Points per dollar spent	S$0 annual fee for 2 years - S$180 thereafter	S$30,000	Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.	Go to site More Info	Compare	loading Fetching your data...
Maybank Visa Infinite Card	0%	Earn up to 5X TREATS Points (2 air miles) on all spend	S$0 annual fee for 1 year - S$600 thereafter	S$150,000	Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Horizon Visa Signature Card	0%	Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon	S$0 annual fee for 3 years - S$150 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank World Mastercard	0%	10X TREATS Points (4 air miles) on every S$1 spent	S$0 annual fee for 1 year - S$240 thereafter	S$80,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Name	Balance transfer rate	Reward	Annual Fee	Min Income - Singaporean and PR
Standard Chartered Unlimited Cashback Credit Card	0%	1.5% cashback on all spend with no cap and no minimum spend	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Rewards+ Credit Card	0%	Up to 10X rewards points for every S$1 spent in foreign currency	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express True Cashback Card	0%	1.5% cashback on all purchases with no minimum spend and no cap	S$0 annual fee for 1 year - S$171.20 thereafter	S$30,000	Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.	Go to site More Info	Compare	loading Fetching your data...
HSBC Visa Platinum Card	0%	Up to 5% cash rebate on groceries, fuel and dining	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Credit Card	0%	Get up to 1.1 KrisFlyer miles for every S$1 spent	S$0 annual fee for 1 year - S$176.55 thereafter	S$30,000	Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
HSBC Revolution Credit Card	0%	Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases	S$0 annual fee for 2 years - S$160.50 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Business Platinum Credit Card	0%	Earn 1 Rewards point for every S$1 charged to your card	S$0 annual fee for 3 years - S$160.50 thereafter	S$30,000	Get a one-time cashback of S$65 on your electricity bill at participating OEM retailers. Ends 31 Aug 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Platinum Credit Card	0%	Up to 50% off your food bill for unlimited visits at hotels around Singapore	S$321 annual fee	S$50,000	Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Ascend Credit Card	0%	Get up to 1.2 KrisFlyer miles for every S$1 spent	S$337.05 annual fee	S$50,000	Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
HSBC Advance Credit Card	0%	Up to 3.5% cashback on all purchases with no minimum spend	S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi Cash Back Card	0%	Earn up to 8% cash back on dining, groceries and petrol.	S$0 annual fee for 1 year - 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. Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
Citibank SMRT Card	0%	Up to 5% savings on groceries, fast food, movies, and coffee.	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi Rewards Credit Card	0%	10X Rewards on your shopping spend (local and overseas) and online purchases (except travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required	S$0 annual fee for 1 year - S$192.60 thereafter	S$30,000	Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
Citi PremierMiles Visa Card	0%	2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally	S$0 annual fee for 1 year - S$192.60 thereafter	S$30,000	Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee.	Go to site More Info	Compare	loading Fetching your data...
Citi Prestige Card	1%	Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend	S$535 annual fee	S$120,000	Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express CapitaCard	0%	Earn 3X STAR$ when you shop at participating CapitaLand malls	S$0 annual fee for 1 year - S$171.20 thereafter	S$30,000	Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) when you spend S$3,000 within the first three months of card approval. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Spree Credit Card	0%	Up to S$60 cashback monthly with no minimum spend	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Prudential Platinum Credit Card	0%	Earn 1 Rewards point for every S$1 charged to your card	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Business Platinum Mastercard	0%	Earn 1 TREATS Points per dollar spent	S$0 annual fee for 2 years - S$180 thereafter	S$30,000	Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.	Go to site More Info	Compare	loading Fetching your data...
Maybank eVibes Card - The Student Card	0%	Earn 1% cash rebate on all spend	S$0 annual fee	N/A	Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.	Go to site More Info	Compare	loading Fetching your data...
Maybank Platinum Visa Card	0%	Up to 3.33% cash rebates on local spend	S$0 annual fee	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Family & Friends Card	0%	8% cash rebates on groceries, transport and selected merchants with S$1,000 min. monthly spend	S$0 annual fee for 3 years - S$180 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Manchester United Platinum Visa Card	0%	Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore	S$0 annual fee for 2 years - S$80 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank DUO Platinum Mastercard	0%	5% cash rebate on petrol in Singapore and Malaysia	S$0 annual fee for 3 years - S$120 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank FC Barcelona Visa Signature Card	0%	1.6% unlimited cash rebate on all local spend	S$120 annual fee	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Visa Infinite Card	0%	Earn up to 5X TREATS Points (2 air miles) on all spend	S$0 annual fee for 1 year - S$600 thereafter	S$150,000	Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Horizon Visa Signature Card	0%	Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon	S$0 annual fee for 3 years - S$150 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank World Mastercard	0%	10X TREATS Points (4 air miles) on every S$1 spent	S$0 annual fee for 1 year - S$240 thereafter	S$80,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Name	Product	Balance transfer rate	Reward	Annual Fee	Min Income - Singaporean and PR
Standard Chartered Business Platinum Credit Card		0%	Earn 1 Rewards point for every S$1 charged to your card	S$0 annual fee for 3 years - S$160.50 thereafter	S$30,000	Get a one-time cashback of S$65 on your electricity bill at participating OEM retailers. Ends 31 Aug 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Business Platinum Mastercard		0%	Earn 1 TREATS Points per dollar spent	S$0 annual fee for 2 years - S$180 thereafter	S$30,000	Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Name	Balance transfer rate	Reward	Annual Fee	Min Income - Singaporean and PR
HSBC Visa Platinum Card	0%	Up to 5% cash rebate on groceries, fuel and dining	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Business Platinum Credit Card	0%	Earn 1 Rewards point for every S$1 charged to your card	S$0 annual fee for 3 years - S$160.50 thereafter	S$30,000	Get a one-time cashback of S$65 on your electricity bill at participating OEM retailers. Ends 31 Aug 2019.	Go to site More Info	Compare	loading Fetching your data...
American Express Platinum Credit Card	0%	Up to 50% off your food bill for unlimited visits at hotels around Singapore	S$321 annual fee	S$50,000	Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Prudential Platinum Credit Card	0%	Earn 1 Rewards point for every S$1 charged to your card	S$0 annual fee for 2 years - S$192.60 thereafter	S$30,000	Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.	Go to site More Info	Compare	loading Fetching your data...
Maybank Business Platinum Mastercard	0%	Earn 1 TREATS Points per dollar spent	S$0 annual fee for 2 years - S$180 thereafter	S$30,000	Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.	Go to site More Info	Compare	loading Fetching your data...
Maybank Platinum Visa Card	0%	Up to 3.33% cash rebates on local spend	S$0 annual fee	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Family & Friends Card	0%	8% cash rebates on groceries, transport and selected merchants with S$1,000 min. monthly spend	S$0 annual fee for 3 years - S$180 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank Manchester United Platinum Visa Card	0%	Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore	S$0 annual fee for 2 years - S$80 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Maybank DUO Platinum Mastercard	0%	5% cash rebate on petrol in Singapore and Malaysia	S$0 annual fee for 3 years - S$120 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

6 application tips
Eligibility requirements
Understanding credit scores

How credit cards work

A credit card is a form of unsecured credit issued by banks. It allows users to make purchases without having to use cash and withdraw money from ATM machines. All credit cards come with a credit limit which is determined by the bank’s assessment of your ability to make repayments.

Credit cards are different from debit cards which are tied to actual money in a savings account. When you use a credit card, you are essentially borrowing money from the lender to pay the retailer. Then you receive a statement at the end of each billing cycle that tells you the total amount you owe the bank. By making the repayments promptly, you will not be charged any interest fees.

There are many types of credit cards available that allow you to earn various types of rewards, air miles and rebates.

What type of credit card are you looking for?

Rewards Credit Cards

Earn reward points as you spend and maximise the prizes and perks you can redeem with a rewards credit card.

Air Miles Credit Cards

Compare Air Mile credit cards to earn points on everyday purchases to redeem for your next holiday with your favourite airline.

Student Credit Cards

Manage your student expenses and establish your credit history by comparing a range of student credit cards.

Cashback Credit Cards

Earn cash back as you spend and save on groceries, petrol, dining and more.

Petrol Credit Cards

Be rewarded with discounts on your fuel when you pump at certain stations.

Balance Transfer

Move your high interest debts to a low or 0% interest balance transfer credit card and pay off your debts faster.

Brands we compare

Compare credit card features

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.

- What are the associated costs? Typically the higher the rewards the higher the card costs, so be careful. While some rewards cards charge no ongoing annual fees, others charge higher annual fees up to S$450 and beyond. The more features the card has, the higher the fee is likely to be.
- Are there limitations? Your card provider might not let you earn more than a given number of points in a calendar year, and your points can also expire after a set time frame.
- What are the other perks? Most rewards cards are affiliated with Visa or MasterCard, and you can use these cards in over 200 countries and territories worldwide. Many rewards cards also offer extra perks, such as complimentary rental car insurance. Compare your options to see which features work best with your lifestyle and spending habits.

Cashback

Like a rewards card, a cash back 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, cash back is effectively a permanent discount on all your spending – as long as you repay your balance before interest charges start.

- The cashback on your card might be capped. Note that the advertised rate of cashback does not always cover all the spending on your card, some providers limit the headline percentage of cash back to a maximum amount of spending, or a maximum dollar amount of cash back per month or year.
- Compare the cashback amount you are awarded against the other fees and charges levied on the card. You may be better off with a card that charges no annual fee, or a card that forgoes any foreign exchange charges when you are travelling.
- Other types of rewards cards might offer a better return if you have a good way to use the rewards currency or air miles you receive.
- Be sure to repay any spending on your cashback card in good time as interest charges can quickly erase any cashback benefits.

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.

- Rewards seats on flights are not as flexible as bookings on the open market. Even if the air miles required to book your flight or flight upgrade appear to be a good deal, you may struggle to find availability on popular routes unless you book very long in advance, so planning is key to making the best out of your air miles credit card.
- Air miles programmes are not regulated, you can find that the value of your miles suddenly drop if an airline decides to change their redemption rates.
- You will be required to pay the taxes and charges associated with a flight when you redeem your air miles. Air miles will only cover you for the airfare charged by the airline, keep this in mind when you calculate the benefits of your air miles earnings.

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.

- Look out for shopping cards that cover entire categories of retailers rather than just one or two specific retailers. This way you have more opportunities to save when you shop.
- Be realistic about your potential for savings and only apply for a card with shopping benefits so that you can save on your existing spending, don’t significantly increase your spending just to take advantage of the savings on offer.
- Don’t focus only on discounts paid on the spot, take into account accelerated rewards too.
- Offers are likely to change throughout the period you are holding the card, and you may find the offer that attracted you the most has expired when it comes to renewing your card. Always look at the entire credit card package.

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.

- Take note of the restrictions on dining card benefits. Two-for-one offers can be attractive but may exclude certain days of the week and have other restrictions in place such as a requirement to order two courses.
- Alcoholic drinks and other beverages are not always included in discounts and offers.
- Often dining discounts are available via other marketing channels too, so consider the dining benefits on the card in the context of the overall credit card package.
- Credit cards are rarely designed around dining benefits alone, so make sure to evaluate all the other aspects of the credit card offer.

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.

- Don’t neglect to repay petrol costs charged to your credit card, or high interest charges can quickly erase much of the petrol discount.
- Offers on petrol cards are sometimes restricted to specific service stations, or even specific fuel types so check that you have a suitable service station near you before you apply.
- Sometimes the total discount on offer is a sum of various benefits and may be tied to spending requirements. A simple, but lower outright discount paid on the spot can be better than a higher total discount that involves different steps and requirements.
- Consider how often you use a service station. If you don’t own a car, a different type of credit card might offer you more benefits.

Understanding APR

If you’ve used your card for purchases, your debts begin to collect interest. This is called an APR, or annual percentage rate, and it usually hovers between 11.99% and 20%.

Each month, you’ll receive a statement that will detail the transactions you’ve made, the total outstanding balance you have and any interest you’re accruing. While you’re only required to pay a minimum repayment each month (2-3% of your total balance), it’s best to pay as much as you can. If you pay your entire balance in full, you can usually take advantage of up to 55 interest-free days in the next statement period. If you don’t pay your entire balance in full, the remainder will start to collect interest. If you miss the minimum repayment, you could be charged late payment fees.

Credit card costs

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.
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.
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.
Other fees. Other fees you may run into include late payment fees, overlimit fees for spending past your credit limit, rewards program membership fees and cash advance fees.

6 credit card application tips

Assess your needs. Before you begin your search, spend some time considering what you want, need and can afford with your next credit card.
Compare your options. Once you’ve decided what type of card you want, it’s time to begin comparing your options.
Are you eligible? Know the requirements for the card application – do you need a minimum income, and do you meet the age limit?
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.
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.
Don’t apply for multiple cards at once or within a short period. You may be tempted to apply for a second card just in case your first one doesn’t get approved, but don’t. Each credit enquiry that a lender makes about your credit history leaves a new mark on your credit file for five years.

12 essential credit card tips to ace your application

Credit card eligibility

Make sure you confirm that you meet the eligibility criteria before you submit your application, as rejected credit card applications can have a negative impact on your credit score. Eligibility requirements usually include:

Age. Cardholders must be at least 18 years of age for student cards, 21 years old for regular credit cards
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 S$80,000 and above for higher-tier products.
Credit history. All credit card issuers require applicants to have a good credit history.

Understanding your credit score

In Singapore, bankers and lenders mostly rely on the 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 Credit Bureau Singapore (CBS) based on the applicant’s record of past repayments of loans and credit card debts.

The score 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. The credit score is accompanied by a risk grade, the lowest risk grade being AA and the highest being HH.

Jeremy Cabral

Jeremy is finder's Global Head of Publishing & Editorial. Jeremy has been with finder since the very beginning and is part of the founding team working closely with Fred and Frank to build finder.com into the comparison network it is today.

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