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How to apply for a credit card if you’re self-employed

Find out if you're eligible for a credit card and what to watch out for before you lodge an application.

If you’re self-employed, you can still apply for most credit cards, as long as you meet the eligibility requirements. However, you may be required to submit some different documents than you would if you were, say, retired or employed by a company.

Use this guide to learn about the providers who accept self-employed applicants, and the documents you’ll need to provide to increase your chances of approval.

Banks that accept self-employed applicants

BankAccepts those who are self-employed?Documents typically needed
American ExpressYesPhotocopy of NRIC or Passport and income documents such as the latest 2 years of Tax Notice of Assessment, CPF statement and bank statements.
DBS/POSBYesLatest 2 years’ Income Tax Notices of Assessment.
OCBCYesPhotocopy of NRIC, recent original telephone bill or original bank statement and latest Income Tax Notice of Assessment.
UOBYesLatest Income Tax Notice of Assessment.
CitibankYesLatest 2 years of Income Tax Notice of Assessment and last 3 months of bank statement
Bank of ChinaYesPhotocopy of NRIC, last 2 years’ Income Tax Notice of Assessment or past 12 months’ of CPF statement.
MaybankYesLast 2 years’ Income Tax Notice of Assessment
Standard CharteredYesCopy of latest Income Tax Notice of Assessment
HSBCYesLatest 2 years of Income Tax Notice of Assessment

Mistakes to avoid with self-employed credit card applications

Incomplete research

If you’re self-employed, you’ll need to provide additional documents and meet special eligibility requirements to receive approval. Rejected applications will have a negative impact on your credit file, so you want to conduct the necessary research to improve your chances of approval in the first place.

If you’re unsure of what you need to provide, see the relevant terms and conditions or contact the provider to confirm the requirements you’ll need to meet. Generally speaking, the minimum requirements for the self-employed in Singapore are to be at least 21 years old and have an annual income of at least S$30,000. However, some credit cards will have stricter requirements.

If you do your research beforehand to ensure you’ve met the eligibility requirements and have the necessary documents, you’ll increase your chances of approval before making an application.

Applying for several cards in a short time period

If you’ve applied for a card and been rejected, don’t apply for another one straight away, as this will put a dent in your credit file. Instead, do some research to establish why you weren’t accepted. If you didn’t have all of the correct documents, make sure you have all of the most recent versions of them when you apply again in a few months. If you were rejected because of your credit history, you can start improving your credit file to increase your chances of approval next time.

If you’re self-employed, you should have no trouble applying for a credit card as long as you prepare beforehand. If you follow this guide, ensure you meet the eligibility requirements and organise the necessary documents, you should have no trouble applying for a credit card.

Compare and find your next credit card

Compare credit cards for December 2022

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per $1 spent on qualifying purchases.
Receive up to $200 cashback. T&Cs apply. Ends 31 Dec 2022.
$0 annual fee
$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
For every $1 spent, earn 1.2 KrisFlyer miles on local purchases, 2 KrisFlyer miles on overseas spend in June and December, Singapore Airlines and KrisShop and 3.2 KrisFlyer miles on Grab.
N/A
$337.05 annual fee
$50,000
Get 10,000 KrisFlyer miles upon annual fee payment and first transaction within 30 days from card approval. An additional 15,000 KrisFlyer miles when you spend $3,000 within the first 3 months of card approval. Valid until 31 Jan 2023. Also, earn 3,600 KrisFlyer miles based on the $3,000 spend above (based on 1.2 KrisFlyer miles per $1 spent locally). T&Cs apply.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
$535 annual fee
$120,000
Receive 120,000 ThankYou Points (48,000 Miles) when you pay the annual fee ($535) and spend $800 within two months. T&Cs apply. Valid until 31 Jan 2023.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least $600.
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
$321 annual fee
$80,000
Get $100 CapitaVoucher upon payment of annual fee and first transaction within 30 days from card approval. An additional $100 worth of CapitaVouchers when you spend $2,000 within the first 3 months of card approval. Also, receive 2,500 Membership Rewards points from your base earn rate for the $2,000 spent. T&Cs apply. Valid until 31 Jan 2023.
Citi Cash Back+ Credit Card
Get up to 14% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
1.6% cash back on selected retail purchases
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Receive 10% cash back (up to $300 cash back) on up to $3,000 spend in the first 2 months. T&Cs apply. Valid until 31 Jan 2023.
HSBC Advance Credit Card
Receive up to $200 cashback when minimum spend requirements are met.
Enjoy up to 3.5% cashback on all purchases with no minimum spend
$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and $192.60 thereafter
$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express True Cashback Card
Enjoy 1.5% cashback on all purchases with no minimum spend or cap.
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
$0 annual fee for the first 1 year and $171.20 thereafter
$30,000
Apply today and get a 3% cashback bonus when you spend $5,000 in the first six months.
Citi Cash Back Card
Get up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at $80 for all transactions per statement month.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Get a welcome gift of $300 cash back when you spend $800 in the first two months. T&Cs apply. Ends 31 Jan 2023.
Aspire Corporate Card
Enjoy exclusive perks and discounts with Aspire's extensive range of partners, redeemable at anytime
1% Cashback for qualified spend of above S$5,000. T&Cs apply
$0 annual fee
N/A
A corporate debit card for SMEs and Startups with no annual fee and low FX fees. Enjoy 1% cashback on marketing and SaaS spend. T&Cs apply.
Volopay Business Credit Card
N/A
Up to 5% cashback on all transactions. T&Cs apply
$0 annual fee
N/A
Enjoy better visibility and control with customisable built-in budgets for each card, while earning up to 5% cashback on all eligible spends
Citi SMRT Card
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
All new cardholders are qualified to receive $300 cash back, as long as you meet the $1,000 qualifying spend. This offer is only available within three months from card approval. Terms and conditions apply and offers are subject to change from time to time at the bank’s discretion. Valid until 31 Jan 2023.
Citi PremierMiles Card
Earn 1.2 Citi Miles for every $1 spent locally and 2 Citi Miles for every $1 spent overseas.
Up to 20% cashback at selected merchants
$192.60 annual fee
$30,000
New cardholders can earn 30,000 Citi Miles as a welcome bonus upon payment of the annual fee and $800 minimum spend requirement within two months from date of card approval. Alternatively, cardholders can get 8,000 Citi Miles as a welcome bonus if the $800 minimum spend requirements are met within two months from date of card approval. T&Cs apply. Ends 31 Jan 2023.
American Express Singapore Airlines KrisFlyer Credit Card
For every $1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June & December and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
$150 cashback for use at singaporeair.com when you spend a minimum of $12,000 until 30 June 2023.
$0 annual fee for the first 1 year and $176.55 thereafter
$30,000
Get 15,000 KrisFlyer miles with a minimum spend of $2,000 in the first 3 months and an additional 2,200 KrisFlyer miles based on the $2,000 spending above (based on 1.1 KrisFlyer miles per $1 spent locally). T&Cs apply. Valid until 31 Jan 2023.
Citi Lazada Card
Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases
Enjoy shipping rebates on eligible purchases of at least $50 at Lazada.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Citi Rewards Credit Card
10X Rewards on eligible online (except travel), fashion shopping, department stores, taxi/ride hailing apps, food delivery and online groceries, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
Up to 26% cashback at selected merchants
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Get up to 40,000 Citi ThankYou Points when you spend $800 in the first 2 months. T&Cs apply. Ends 31 Jan 2023.
American Express CapitaCard
Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$ or 50 STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
N/A
$0 annual fee for the first 1 year and $171.20 thereafter
$30,000
New members can receive 150,000 STAR$ by spending $1,500 in the first 3 months of card membership and up to 45,000 STAR$ upon $1,200 per calendar month, based on 6X STAR$ at participating merchants in CapitaLand Malls in town. T&Cs apply. Ends 31 Jan 2023.
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Compare up to 4 providers

1 - 20 of 22
Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per $1 spent on qualifying purchases.
Receive up to $200 cashback. T&Cs apply. Ends 31 Dec 2022.
$0 annual fee
$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
$535 annual fee
$120,000
Receive 120,000 ThankYou Points (48,000 Miles) when you pay the annual fee ($535) and spend $800 within two months. T&Cs apply. Valid until 31 Jan 2023.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least $600.
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
Citi Cash Back+ Credit Card
Get up to 14% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
1.6% cash back on selected retail purchases
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Receive 10% cash back (up to $300 cash back) on up to $3,000 spend in the first 2 months. T&Cs apply. Valid until 31 Jan 2023.
HSBC Advance Credit Card
Receive up to $200 cashback when minimum spend requirements are met.
Enjoy up to 3.5% cashback on all purchases with no minimum spend
$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and $192.60 thereafter
$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express True Cashback Card
Enjoy 1.5% cashback on all purchases with no minimum spend or cap.
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
$0 annual fee for the first 1 year and $171.20 thereafter
$30,000
Apply today and get a 3% cashback bonus when you spend $5,000 in the first six months.
Citi Cash Back Card
Get up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at $80 for all transactions per statement month.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Get a welcome gift of $300 cash back when you spend $800 in the first two months. T&Cs apply. Ends 31 Jan 2023.
POSB Everyday Card
Enjoy up to 10% cash rebates on dining and online shopping at selected e-Marketplaces.
up to 3% cash rebates utilities and telecommunications bills and up to 10% cash rebates on dining and online shopping at selected e-Marketplaces.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Receive $150 cashback when you apply online and charge at least $800 within the first 60 days from card approval date. Promo code : '150CASH'.T&Cs apply. Valid until 31 Jan 2023.
American Express Singapore Airlines KrisFlyer Credit Card
For every $1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June & December and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
$150 cashback for use at singaporeair.com when you spend a minimum of $12,000 until 30 June 2023.
$0 annual fee for the first 1 year and $176.55 thereafter
$30,000
Get 15,000 KrisFlyer miles with a minimum spend of $2,000 in the first 3 months and an additional 2,200 KrisFlyer miles based on the $2,000 spending above (based on 1.1 KrisFlyer miles per $1 spent locally). T&Cs apply. Valid until 31 Jan 2023.
American Express CapitaCard
Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$ or 50 STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
N/A
$0 annual fee for the first 1 year and $171.20 thereafter
$30,000
New members can receive 150,000 STAR$ by spending $1,500 in the first 3 months of card membership and up to 45,000 STAR$ upon $1,200 per calendar month, based on 6X STAR$ at participating merchants in CapitaLand Malls in town. T&Cs apply. Ends 31 Jan 2023.
Citi PremierMiles Card
Earn 1.2 Citi Miles for every $1 spent locally and 2 Citi Miles for every $1 spent overseas.
Up to 20% cashback at selected merchants
$192.60 annual fee
$30,000
New cardholders can earn 30,000 Citi Miles as a welcome bonus upon payment of the annual fee and $800 minimum spend requirement within two months from date of card approval. Alternatively, cardholders can get 8,000 Citi Miles as a welcome bonus if the $800 minimum spend requirements are met within two months from date of card approval. T&Cs apply. Ends 31 Jan 2023.
Citi SMRT Card
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
All new cardholders are qualified to receive $300 cash back, as long as you meet the $1,000 qualifying spend. This offer is only available within three months from card approval. Terms and conditions apply and offers are subject to change from time to time at the bank’s discretion. Valid until 31 Jan 2023.
Citi Rewards Credit Card
10X Rewards on eligible online (except travel), fashion shopping, department stores, taxi/ride hailing apps, food delivery and online groceries, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
Up to 26% cashback at selected merchants
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Get up to 40,000 Citi ThankYou Points when you spend $800 in the first 2 months. T&Cs apply. Ends 31 Jan 2023.
UOB Absolute Cashback Card
UOB Absolute Cashback Card
Enjoy 1.7% limitless cashback with no minimum spend and no spend exclusions.
Enjoy 1.7% limitless cashback with no minimum spend and no spend exclusions.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
UOB EVOL Credit Card
Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
Up to 8% cashback on online and mobile contactless spend.
$192.60 annual fee
$30,000
UOB One Credit Card
Receive a gift worth up to $250 Grab vouchers when you apply and spend a minimum of $1,500 within 30 days from card approval date.
Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per $1 when you spend with Singapore Airlines, Scoot and KrisShop and 1.2 KrisFlyer miles per $1 on all other spend.
Receive 7,000 miles or $100 cash credit
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
UOB Lady's Card
Earn 10X UNI$ (or 20 miles) per $5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
Receive $100 cash credit when you apply for a new credit card.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
UOB PRVI Miles American Express Card
Earn 1.4 miles for every $1 spent locally and 2.4 miles for every $1 spent overseas.
Get $100 cash credit when you apply.
$0 annual fee for the first 1 year and $256.80 thereafter
$30,000
UOB PRVI Miles Visa Card
6 air miles for every $1 spent through Expedia, Agoda and UOB Travel
Receive $100 cash credit when you apply for a new credit card and spend at least $1,500 within 30 days from card approval date.
$0 annual fee for the first 1 year and $256.80 thereafter
$30,000
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Compare up to 4 providers

1 - 11 of 11
Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per $1 spent on qualifying purchases.
Receive up to $200 cashback. T&Cs apply. Ends 31 Dec 2022.
$0 annual fee
$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
For every $1 spent, earn 1.2 KrisFlyer miles on local purchases, 2 KrisFlyer miles on overseas spend in June and December, Singapore Airlines and KrisShop and 3.2 KrisFlyer miles on Grab.
N/A
$337.05 annual fee
$50,000
Get 10,000 KrisFlyer miles upon annual fee payment and first transaction within 30 days from card approval. An additional 15,000 KrisFlyer miles when you spend $3,000 within the first 3 months of card approval. Valid until 31 Jan 2023. Also, earn 3,600 KrisFlyer miles based on the $3,000 spend above (based on 1.2 KrisFlyer miles per $1 spent locally). T&Cs apply.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
$535 annual fee
$120,000
Receive 120,000 ThankYou Points (48,000 Miles) when you pay the annual fee ($535) and spend $800 within two months. T&Cs apply. Valid until 31 Jan 2023.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
$321 annual fee
$80,000
Get $100 CapitaVoucher upon payment of annual fee and first transaction within 30 days from card approval. An additional $100 worth of CapitaVouchers when you spend $2,000 within the first 3 months of card approval. Also, receive 2,500 Membership Rewards points from your base earn rate for the $2,000 spent. T&Cs apply. Valid until 31 Jan 2023.
American Express Singapore Airlines KrisFlyer Credit Card
For every $1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June & December and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
$150 cashback for use at singaporeair.com when you spend a minimum of $12,000 until 30 June 2023.
$0 annual fee for the first 1 year and $176.55 thereafter
$30,000
Get 15,000 KrisFlyer miles with a minimum spend of $2,000 in the first 3 months and an additional 2,200 KrisFlyer miles based on the $2,000 spending above (based on 1.1 KrisFlyer miles per $1 spent locally). T&Cs apply. Valid until 31 Jan 2023.
Citi PremierMiles Card
Earn 1.2 Citi Miles for every $1 spent locally and 2 Citi Miles for every $1 spent overseas.
Up to 20% cashback at selected merchants
$192.60 annual fee
$30,000
New cardholders can earn 30,000 Citi Miles as a welcome bonus upon payment of the annual fee and $800 minimum spend requirement within two months from date of card approval. Alternatively, cardholders can get 8,000 Citi Miles as a welcome bonus if the $800 minimum spend requirements are met within two months from date of card approval. T&Cs apply. Ends 31 Jan 2023.
Citi Rewards Credit Card
10X Rewards on eligible online (except travel), fashion shopping, department stores, taxi/ride hailing apps, food delivery and online groceries, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
Up to 26% cashback at selected merchants
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Get up to 40,000 Citi ThankYou Points when you spend $800 in the first 2 months. T&Cs apply. Ends 31 Jan 2023.
UOB PRVI Miles American Express Card
Earn 1.4 miles for every $1 spent locally and 2.4 miles for every $1 spent overseas.
Get $100 cash credit when you apply.
$0 annual fee for the first 1 year and $256.80 thereafter
$30,000
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per $1 when you spend with Singapore Airlines, Scoot and KrisShop and 1.2 KrisFlyer miles per $1 on all other spend.
Receive 7,000 miles or $100 cash credit
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
UOB PRVI Miles Visa Card
6 air miles for every $1 spent through Expedia, Agoda and UOB Travel
Receive $100 cash credit when you apply for a new credit card and spend at least $1,500 within 30 days from card approval date.
$0 annual fee for the first 1 year and $256.80 thereafter
$30,000
UOB PRVI Miles World Mastercard
Earn 1.4 miles per $1 spent locally and 2.4 miles per $1 spent overseas, including online shopping.
Receive $100 cash credit when you apply for a new credit card.
$0 annual fee for the first 1 year and $256.80 thereafter
$30,000
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Compare up to 4 providers

1 - 20 of 32
Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
Earn up to 10X Reward points or 4 miles per $1 spent on qualifying purchases.
Receive up to $200 cashback. T&Cs apply. Ends 31 Dec 2022.
$0 annual fee
$30,000
Earn up to 5x reward points when you charge online, dining and entertainment expenses to the HSBC Revolution Credit Card.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
For every $1 spent, earn 1.2 KrisFlyer miles on local purchases, 2 KrisFlyer miles on overseas spend in June and December, Singapore Airlines and KrisShop and 3.2 KrisFlyer miles on Grab.
N/A
$337.05 annual fee
$50,000
Get 10,000 KrisFlyer miles upon annual fee payment and first transaction within 30 days from card approval. An additional 15,000 KrisFlyer miles when you spend $3,000 within the first 3 months of card approval. Valid until 31 Jan 2023. Also, earn 3,600 KrisFlyer miles based on the $3,000 spend above (based on 1.2 KrisFlyer miles per $1 spent locally). T&Cs apply.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
$535 annual fee
$120,000
Accelerate your reward points and air miles earning with the Citibank Citi Prestige Credit Card.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least $600.
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
Get up to S$1,000 p.a. in cash rebates from your dining, grocery and petrol spending.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
$321 annual fee
$80,000
Get $100 CapitaVoucher upon payment of annual fee and first transaction within 30 days from card approval. An additional $100 worth of CapitaVouchers when you spend $2,000 within the first 3 months of card approval. Also, receive 2,500 Membership Rewards points from your base earn rate for the $2,000 spent. T&Cs apply. Valid until 31 Jan 2023.
Citi Cash Back+ Credit Card
Get up to 14% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
1.6% cash back on selected retail purchases
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Receive 10% cash back (up to $300 cash back) on up to $3,000 spend in the first 2 months. T&Cs apply. Valid until 31 Jan 2023.
HSBC Advance Credit Card
Receive up to $200 cashback when minimum spend requirements are met.
Enjoy up to 3.5% cashback on all purchases with no minimum spend
$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and $192.60 thereafter
$30,000
Earn up to 3.5% cashback and pay $0 annual fee for (at least) the first year. Plus, no minimum spend required for cashback.
American Express True Cashback Card
Enjoy 1.5% cashback on all purchases with no minimum spend or cap.
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
$0 annual fee for the first 1 year and $171.20 thereafter
$30,000
Apply today and get a 3% cashback bonus when you spend $5,000 in the first six months.
Citi Cash Back Card
Get up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at $80 for all transactions per statement month.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Earn up to 8% cashback on everyday spending categories and enjoy an array of promotions with this credit card.
American Express Singapore Airlines KrisFlyer Credit Card
For every $1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June & December and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
$150 cashback for use at singaporeair.com when you spend a minimum of $12,000 until 30 June 2023.
$0 annual fee for the first 1 year and $176.55 thereafter
$30,000
Get 15,000 KrisFlyer miles with a minimum spend of $2,000 in the first 3 months and an additional 2,200 KrisFlyer miles based on the $2,000 spending above (based on 1.1 KrisFlyer miles per $1 spent locally). T&Cs apply. Valid until 31 Jan 2023.
American Express CapitaCard
Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$ or 50 STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
N/A
$0 annual fee for the first 1 year and $171.20 thereafter
$30,000
New members can receive 150,000 STAR$ by spending $1,500 in the first 3 months of card membership and up to 45,000 STAR$ upon $1,200 per calendar month, based on 6X STAR$ at participating merchants in CapitaLand Malls in town. T&Cs apply. Ends 31 Jan 2023.
Citi SMRT Card
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
Receive up to 5% cash back on your daily spends, whether it's online shopping, groceries, SMRT rides or movies.
Citi Rewards Credit Card
10X Rewards on eligible online (except travel), fashion shopping, department stores, taxi/ride hailing apps, food delivery and online groceries, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
Up to 26% cashback at selected merchants
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Enjoy up to 10X Rewards on your shopping worldwide. Plus take advantage of a first year-annual fee waiver.
Citi PremierMiles Card
Earn 1.2 Citi Miles for every $1 spent locally and 2 Citi Miles for every $1 spent overseas.
Up to 20% cashback at selected merchants
$192.60 annual fee
$30,000
Receive up to 37,300 bonus miles that never expire with Citi PremierMiles Card.
POSB Everyday Card
Enjoy up to 10% cash rebates on dining and online shopping at selected e-Marketplaces.
up to 3% cash rebates utilities and telecommunications bills and up to 10% cash rebates on dining and online shopping at selected e-Marketplaces.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Receive $150 cashback when you apply online and charge at least $800 within the first 60 days from card approval date. Promo code : '150CASH'.T&Cs apply. Valid until 31 Jan 2023.
DBS Woman's Card
Up to 10X DBS Points (or 20 miles) per S$5 spent on online and overseas purchases
N/A
$0 annual fee for the first 1 year and $160.50 thereafter
$30,000
Up to 10X DBS Points (or 20 miles) per S$5 spent on online and overseas purchases
DBS Live Fresh Card
Up to 5% cashback on online and contactless spend (including SimplyGo rides)
up to 28% cashback when you apply online via digibank or Myinfo with Singpass. T&Cs apply.
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
DBS Altitude Card
Earn up to 5 miles per S$1 spend on travel spend with no expiry
N/A
$0 annual fee for the first 1 year and $192.60 thereafter
$30,000
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Earn 1.5% cashback on all of your credit card spend with no cap and minimum spend. Additionally, get up to $20,000 cash with 100% cashback on your processing fee. Plus, get $120 cashback upon card activation on your approved Funds Transfer Amount.

$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
Receive up to $255 cashback and 3-month Disney+ subscription when you spend and apply for at least 1 EasyPay on our cashback credit card. T&Cs apply.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
Receive up to $280 cashback. T&Cs apply.
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
Receive up to $220 cashback and 3-month Disney+ subscription when you spend $200. T&Cs apply.
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1 - 4 of 4
Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
Aspire Corporate Card
Enjoy exclusive perks and discounts with Aspire's extensive range of partners, redeemable at anytime
1% Cashback for qualified spend of above S$5,000. T&Cs apply
$0 annual fee
N/A
A corporate debit card for SMEs and Startups with no annual fee and low FX fees. Enjoy 1% cashback on marketing and SaaS spend. T&Cs apply.
Volopay Business Credit Card
N/A
Up to 5% cashback on all transactions. T&Cs apply
$0 annual fee
N/A
Enjoy better visibility and control with customisable built-in budgets for each card, while earning up to 5% cashback on all eligible spends
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
$0 annual fee for the first 2 years and $180 thereafter
N/A
Earn TREATS Points for every dollar spent and redeem them for vouchers, cash credits and air miles.
Standard Chartered Business Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
N/A
$0 annual fee for the first 3 years and $160.50 thereafter
$30,000
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1 - 11 of 11
Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least $600.
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
$321 annual fee
$80,000
Get $100 CapitaVoucher upon payment of annual fee and first transaction within 30 days from card approval. An additional $100 worth of CapitaVouchers when you spend $2,000 within the first 3 months of card approval. Also, receive 2,500 Membership Rewards points from your base earn rate for the $2,000 spent. T&Cs apply. Valid until 31 Jan 2023.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 reward point for every S$1 charged to your card.
Receive up to $280 cashback and 6-month Disney+ subscription when you spend $200. T&Cs apply.
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
Receive up to $220 cashback and 3-month Disney+ subscription when you spend $200. T&Cs apply.
Standard Chartered Business Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
N/A
$0 annual fee for the first 3 years and $160.50 thereafter
$30,000
Standard Chartered Prudential Platinum Credit Card
Earn 5 Rewards points on eligible dining transactions and 1 Rewards point on all other eligible transactions for every $1 charged to your card
Receive up to S$280 cashback when you apply. T&Cs apply.
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
Receive up to $220 cashback and 3-month Disney+ subscription when you spend $200. T&Cs apply.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
$0 annual fee for the first 2 years and $180 thereafter
N/A
Earn TREATS Points for every dollar spent and redeem them for vouchers, cash credits and air miles.
Maybank Platinum Visa Card
Enjoy up to 3.33% cash rebates on local and foreign currency spend. Minimum spend requirements and cashback caps apply.
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
$0 annual fee for the first 3 years and $80 thereafter
$30,000
Receive Garmin vívomove Style (worth S$469) when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$300 for each of the first two months upon approval. T&Cs apply.
Maybank Family & Friends Credit Card
Earn up to 8% cash rebates in grocery stores, supermarkets, online grocery shopping and other categories when minimum spend requirements are met.
Up to 8% cashback on groceries, food delivery, transport, petrol and more with minimum spend of S$800 per month.
$0 annual fee for the first 3 years and $180 thereafter
$30,000
Receive Garmin vívomove Style (worth S$469) when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$300 for each of the first two months upon approval. T&Cs apply.
Maybank Manchester United Platinum Visa Card
Earn 1X TREATS Points for every dollar spent.
1% unlimited cash rebate with no minimum spend.
$0 annual fee for the first 2 years and $80 thereafter
$30,000
Receive Garmin vívomove Style (worth S$469) when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$300 for each of the first two months upon approval. T&Cs apply.
Maybank DUO Platinum Mastercard
5% cashback for petrol, plus earn rewards points and exchange them for car servicing vouchers, vehicle merchandise and more.
5% cash rebate on petrol transactions in Singapore and Malaysia
$0 annual fee for the first 3 years and $120 thereafter
$30,000
Receive Garmin vívomove Style (worth S$469) when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$300 for each of the first two months upon approval. T&Cs apply.
Standard Chartered Platinum Visa Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Receive up to $280 cashback when you apply. T&Cs apply.
$0 annual fee for the first 2 years and $192.60 thereafter
$30,000
Earn 1 Rewards point for every $1 charged to your card.
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