Compare Credit Cards Singapore

Compare rewards, cashback, balance transfer, air miles cards and more.

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Compare credit cards for February 2020*

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 online, dining and entertainment purchases
S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 31 March 2020.
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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Standard Chartered Spree Credit Card
Up to S$60 cashback monthly with no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.



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 31 March 2020.
Citi PremierMiles Visa Card
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally.
Up to 10% cash back at selected merchants.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 37,300 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Terms and conditions apply. Ends 31 March 2020.
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
HSBC Visa Platinum Card
5% cash rebate on groceries, fuel and dining
5% cashback on dining, groceries and petrol


S$150 cash back when you spend S$800 within a month of card approval. Ends 31 March 2020.

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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Standard Chartered Unlimited Cashback Credit Card
1.5% cashback on all spend with no cap and no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
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 31 March 2020.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year for principal card
Free for the first supplementary card, S$96.30 subsequent card - S$192.60 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits and 3,000 KrisFlyer miles.
UOB Yolo Card
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.
Up to 8% cashback on Dining, Grab and Online spend
3% cashback on Online Fashion & Travel spend
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Apply today and enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.
Citi Rewards Credit Card
10X Rewards on your shopping spend (local and overseas) and online purchases (except mobile wallet and travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required
Up to 20% cash back at selected merchants.
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$3,000 in the first 3 months. Ends 31 March 2020.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on one category with no min. spend required. Choose from Beauty& Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel.
Up to S$180 in cash credits. S$100 cash credit when you apply for a new Credit Card and S$80 cash credit when you open an account online.
S$0 annual fee for 1 year for principal card
Free for the first supplementary card, S$96.30 subsequent card - S$192.60 thereafter
S$30,000
Apply today and enjoy up to S$180 in cash credits. S$100 cash credit when you apply for a new Credit Card and S$80 cash credit when you open an account online.
HSBC Advance Credit Card
Up to 3.5% cashback on all purchases with no minimum spend
Up to 3.5% cashback on all purchases


S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 15 April 2020.
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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.

Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
UOB Yolo Card
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.
Up to 8% cashback on Dining, Grab and Online spend
3% cashback on Online Fashion & Travel spend
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Apply today and enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 31 March 2020.
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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Citi PremierMiles Visa Card
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally.
Up to 10% cash back at selected merchants.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 37,300 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Terms and conditions apply. Ends 31 March 2020.
Standard Chartered Unlimited Cashback Credit Card
1.5% cashback on all spend with no cap and no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
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 31 March 2020.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee; up to 3% savings on online shopping.
Redeem S$10 cash back for shopping vouchers in every 10 SMRT$ earned
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 January 2021.
HSBC Advance Credit Card
Up to 3.5% cashback on all purchases with no minimum spend
Up to 3.5% cashback on all purchases


S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 15 April 2020.
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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Citi Cash Back Card
Earn up to 8% cash back on dining, groceries and petrol worldwide.
8% cash back on dining, groceries and petrol transactions
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 January 2021.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on overseas retail, dining and travel
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
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 31 March 2020.
HSBC Visa Platinum Card
5% cash rebate on groceries, fuel and dining
5% cashback on dining, groceries and petrol


S$150 cash back when you spend S$800 within a month of card approval. Ends 31 March 2020.

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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Citi Rewards Credit Card
10X Rewards on your shopping spend (local and overseas) and online purchases (except mobile wallet and travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required
Up to 20% cash back at selected merchants.
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 31 March 2020.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
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 31 March 2020.
Maybank Business Platinum Mastercard
Earn 1 TREATS Points per dollar spent
S$50 cash credits to offset credit card payment
S$0 annual fee for 2 years - S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Standard Chartered Spree Credit Card
Up to S$60 cashback monthly with no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.



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 31 March 2020.
Maybank eVibes Card - The Student Card
Earn 1% cash rebate on all spend
1% cash rebate on all spend
S$0 annual fee for 2 years - S$20 thereafter
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.
Maybank Platinum Visa Card
Up to 3.33% cash rebates on local spend
Earn up to 3.33% cash rebates on all purchases in Singapore upon spending S$300 per month on every quarter


Cash rebate of 0.3% will also be earned on overseas spending at no minimum 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.
Maybank Family & Friends Card
8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend
Up to 8% cashback with minimum spend of S$800 per month.
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.
Maybank DUO Platinum Mastercard
5% cash rebate on petrol in Singapore and Malaysia and 1.5% cash rebate in foreign currency.
5% cash rebate on petrol transactions
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.
Maybank FC Barcelona Visa Signature Card
1.6% unlimited cash rebate on all local spend
1.6% cash rebate on all 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.
Maybank Visa Infinite Card
Earn up to 5X TREATS Points (2 air miles) on all spend
Redeem TREATS points with cash credits
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 2020.
Maybank Horizon Visa Signature Card
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
Receive S$100 cash credit with min. spend of S$800 to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 Jul 2019.
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.
Maybank World Mastercard
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants.
Get S$50 cash credit with minimum spend of S$700 upon card approval
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.
American Express Singapore Airlines KrisFlyer Credit Card
For every S$1 spent, get up to 1.1 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.1 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 till 30 June 2020.
S$0 annual fee for 1 year - 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 and additional 8,000 KrisFlyer miles with minimum spend of S$5,000 in the 4th to 6th month of membership. Ends 30 April 2020.
American Express True Cashback Card
1.5% cashback on all purchases with no minimum spend and no cap
3% cashback for first 6 months up to S$5,000 minimum spend


1.5% cashback on any purchase, anytime
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.

Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year for principal card
Free for the first supplementary card, S$96.30 subsequent card - S$192.60 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits and 3,000 KrisFlyer miles.
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
UOB PRVI Miles World Mastercard Card
6 air miles for every S$1 spent through Expedia, agoda and UOB Travel.
Get S$100 cash credit when you apply. Minimum S$1,000 spend within 30 days from the approval date of the Credit Card. Gift is limited to the first 200 eligible applicants who meet the minimum spend.
S$0 annual fee for 1 year - S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$100 in cash credits. Plus, free travel cover.
American Express Singapore Airlines KrisFlyer Credit Card
For every S$1 spent, get up to 1.1 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.1 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 till 30 June 2020.
S$0 annual fee for 1 year - 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 and additional 8,000 KrisFlyer miles with minimum spend of S$5,000 in the 4th to 6th month of membership. Ends 30 April 2020.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 31 March 2020.
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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
None
S$321 annual fee
S$50,000
Get a free Samsonite luggage (worth S$600) and 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee in the first statement and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 March 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
For every S$1 spent, get up to 1.2 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.2 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
None
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles when you spend S$10,000 within the first three months and an additional 12,000 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally. Ends 30 April 2020.
Citi PremierMiles Visa Card
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally.
Up to 10% cash back at selected merchants.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 37,300 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Terms and conditions apply. Ends 31 March 2020.
Citi Prestige Card
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points (1.3 miles) per S$1 local spend.
Up to 20% cash back at selected merchants.
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. Ends 31 March 2020.
Maybank Business Platinum Mastercard
Earn 1 TREATS Points per dollar spent
S$50 cash credits to offset credit card payment
S$0 annual fee for 2 years - 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 Visa Infinite Card
Earn up to 5X TREATS Points (2 air miles) on all spend
Redeem TREATS points with cash credits
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 2020.
Maybank Horizon Visa Signature Card
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
Receive S$100 cash credit with min. spend of S$800 to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 Jul 2019.
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.
Maybank World Mastercard
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants.
Get S$50 cash credit with minimum spend of S$700 upon card approval
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.

Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Advance Credit Card
Up to 3.5% cashback on all purchases with no minimum spend
Up to 3.5% cashback on all purchases


S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 15 April 2020.
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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Standard Chartered Unlimited Cashback Credit Card
1.5% cashback on all spend with no cap and no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
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 31 March 2020.
HSBC Visa Platinum Card
5% cash rebate on groceries, fuel and dining
5% cashback on dining, groceries and petrol


S$150 cash back when you spend S$800 within a month of card approval. Ends 31 March 2020.

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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Citi Cash Back Card
Earn up to 8% cash back on dining, groceries and petrol worldwide.
8% cash back on dining, groceries and petrol transactions
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 January 2021.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on overseas retail, dining and travel
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
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 31 March 2020.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. Ends 31 March 2020.
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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee; up to 3% savings on online shopping.
Redeem S$10 cash back for shopping vouchers in every 10 SMRT$ earned
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 January 2021.
Citi Rewards Credit Card
10X Rewards on your shopping spend (local and overseas) and online purchases (except mobile wallet and travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required
Up to 20% cash back at selected merchants.
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 31 March 2020.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
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 31 March 2020.
Citi PremierMiles Visa Card
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally.
Up to 10% cash back at selected merchants.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 37,300 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Terms and conditions apply. Ends 31 March 2020.
Standard Chartered Spree Credit Card
Up to S$60 cashback monthly with no minimum spend
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.



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 31 March 2020.
Citi Prestige Card
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points (1.3 miles) per S$1 local spend.
Up to 20% cash back at selected merchants.
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. Ends 31 March 2020.
American Express True Cashback Card
1.5% cashback on all purchases with no minimum spend and no cap
3% cashback for first 6 months up to S$5,000 minimum spend


1.5% cashback on any purchase, anytime
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.
American Express Singapore Airlines KrisFlyer Credit Card
For every S$1 spent, get up to 1.1 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.1 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 till 30 June 2020.
S$0 annual fee for 1 year - 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 and additional 8,000 KrisFlyer miles with minimum spend of S$5,000 in the 4th to 6th month of membership. Ends 30 April 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
None
S$321 annual fee
S$50,000
Get a free Samsonite luggage (worth S$600) and 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee in the first statement and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 March 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
For every S$1 spent, get up to 1.2 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.2 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).
None
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles when you spend S$10,000 within the first three months and an additional 12,000 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally. Ends 30 April 2020.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, 1X STAR$ on all other purchases and additional 10X STAR$ at participating outlets in CapitaLand Malls.
Earn 15 STAR$ for every S$1 spent at participating CapitaLand malls.
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 30 April 2020.
Maybank Business Platinum Mastercard
Earn 1 TREATS Points per dollar spent
S$50 cash credits to offset credit card payment
S$0 annual fee for 2 years - 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
Earn 1% cash rebate on all spend
1% cash rebate on all spend
S$0 annual fee for 2 years - S$20 thereafter
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.
Maybank Platinum Visa Card
Up to 3.33% cash rebates on local spend
Earn up to 3.33% cash rebates on all purchases in Singapore upon spending S$300 per month on every quarter


Cash rebate of 0.3% will also be earned on overseas spending at no minimum 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.
Maybank Family & Friends Card
8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend
Up to 8% cashback with minimum spend of S$800 per month.
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.
Maybank Manchester United Platinum Visa Card
Receive a 10% discount at United Direct Online Megastore and 5 TREATS Points for every dollar spent when Manchester United wins a Premier League match.
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.
Maybank DUO Platinum Mastercard
5% cash rebate on petrol in Singapore and Malaysia and 1.5% cash rebate in foreign currency.
5% cash rebate on petrol transactions
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.
Maybank FC Barcelona Visa Signature Card
1.6% unlimited cash rebate on all local spend
1.6% cash rebate on all 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.
Maybank Visa Infinite Card
Earn up to 5X TREATS Points (2 air miles) on all spend
Redeem TREATS points with cash credits
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 2020.
Maybank Horizon Visa Signature Card
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
Receive S$100 cash credit with min. spend of S$800 to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 Jul 2019.
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.
Maybank World Mastercard
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants.
Get S$50 cash credit with minimum spend of S$700 upon card approval
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.

Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
Maybank Business Platinum Mastercard
Earn 1 TREATS Points per dollar spent
S$50 cash credits to offset credit card payment
S$0 annual fee for 2 years - 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.

Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Visa Platinum Card
5% cash rebate on groceries, fuel and dining
5% cashback on dining, groceries and petrol


S$150 cash back when you spend S$800 within a month of card approval. Ends 31 March 2020.

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. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 March 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
None
S$321 annual fee
S$50,000
Get a free Samsonite luggage (worth S$600) and 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee in the first statement and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 March 2020.
Maybank Business Platinum Mastercard
Earn 1 TREATS Points per dollar spent
S$50 cash credits to offset credit card payment
S$0 annual fee for 2 years - 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 Platinum Visa Card
Up to 3.33% cash rebates on local spend
Earn up to 3.33% cash rebates on all purchases in Singapore upon spending S$300 per month on every quarter


Cash rebate of 0.3% will also be earned on overseas spending at no minimum 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.
Maybank Family & Friends Card
8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend
Up to 8% cashback with minimum spend of S$800 per month.
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.
Maybank Manchester United Platinum Visa Card
Receive a 10% discount at United Direct Online Megastore and 5 TREATS Points for every dollar spent when Manchester United wins a Premier League match.
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.
Maybank DUO Platinum Mastercard
5% cash rebate on petrol in Singapore and Malaysia and 1.5% cash rebate in foreign currency.
5% cash rebate on petrol transactions
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.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 March 2020.
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 31 March 2020.

Compare up to 4 providers

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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?

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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.

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.

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 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

  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. Are you 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. 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.


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