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

Find out if you're eligible to apply for a credit card and what mistakes you should avoid.

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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. Here’s a summary of the providers who accept self-employed applicants and the documents you’ll need to provide to increase your chances of approval.

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

Get up to S$80 cashback when you activate your card.

Offer ends 31 May 2020

Eligibility criteria, terms and conditions, fees and charges apply

Standard Chartered Unlimited Cashback Credit Card

Apply today and get 1.5% cashback on all spend. No minimum spend. No cashback cap.

  • Principal Annual Fee: S$0 annual fee for 2 years - S$192.60 thereafter.
  • Cashback Rate: 1.5%
  • Annual Interest Rate: 26.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$60,000
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Banks that accept self-employed applicants

BankAccepts those who are self-employed?Documents 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

Applying without researching

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.

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.

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 April 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 qualifying purchases
S$150 cashback when you make S$800 in qualifying transactions in the first month of your account. Ends 30 June 2020
S$0 annual fee for the first 2 years and up to S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Earn 1.5% cashback on all of your credit card spend with no minimum spend. Additionally, get 1% cashback on your approved Funds Transfer Amount.

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy free transfers to Changi Airport. Plus, 20,000 bonus air miles if you charge S$50,000 to your card in a year.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to S$150 cash back when you spend
S$800 in your first month. Ends 30 June 2020

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Standard Chartered Spree Credit Card
Up to 20% savings on your fuel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus, up to 25% off on postal services and lots more.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and enjoy up to 3,000 KrisFlyer miles if you charge at least S$1,500 to your credit card in the first month.
UOB Yolo Card
Wide range of discounts including at Bubble Tea Factory. Plus, complimentary travel insurance
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback in selected categories
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
Citi Rewards Credit Card
10X Rewards on certain shopping spend, including online purchases
Up to 20% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. Ends 30 June 2020.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on chosen category with no min. spend required
New customers can get up to S$230 in bonus cash credits. Until 30 June 2020. Ts&Cs apply
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. Plus, 0% interest on some purchases for up to 12 months.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 16% off your fuel, 1-for1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
UOB One Card
Up to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending
New customers can get up to S$230 in bonus cash credits. Until 30 June 2020. Ts&Cs apply
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
N/A
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles if you spend at least S$10,000 within the first three months. Ends 30 April 2020.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$50,000
Get Samsonite luggage (worth S$600) and a 1-night stay at Swissotel The Stamford Singapore (worth S$529) upon approval and spend S$4,500 in the first 3 months. Ends 13 April 2020.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2020.
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Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Earn 1.5% cashback on all of your credit card spend with no minimum spend. Additionally, get 1% cashback on your approved Funds Transfer Amount.

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
UOB Yolo Card
Wide range of discounts including at Bubble Tea Factory. Plus, complimentary travel insurance
Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback in selected categories
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 in qualifying transactions in the first month of your account. Ends 30 June 2020
S$0 annual fee for the first 2 years and up to S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Citi PremierMiles Card
Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 30 June 2020.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 16% off your fuel, 1-for1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to S$150 cash back when you spend
S$800 in your first month. Ends 30 June 2020

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Citi Rewards Credit Card
10X Rewards on certain shopping spend, including online purchases
Up to 20% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. Ends 30 June 2020.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
Standard Chartered Spree Credit Card
Up to 20% savings on your fuel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus, up to 25% off on postal services and lots more.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2020
S$0 annual fee for the first 1 year and up to S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 April 2020.
American Express True Cashback Card
Enjoy free travel insurance benefits of up to S$350,000
Earn 1.5% cashback on all eligible spending. no minimum spend or cap
S$0 annual fee for the first 1 year and up to S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and up to S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank eVibes Card - The Student Card
Up to 8% off accommodation bookings globally with AGODA
1% cash rebate on all spend
S$0 annual fee for the first 2 years and up to S$20 thereafter
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. First 500 successful applicants only.
Maybank Platinum Visa Card
Get complimentary travel cover of up to S$500,000
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
S$0 annual fee for the first 3 years and up to S$80 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Family & Friends Credit Card
Earn up to 3X interest on your child's savings with Maybank Family Plus
Up to 8% cashback with minimum spend of S$800 per month
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank DUO Platinum Mastercard
Car servicing vouchers, vehicle merchandise and more
5% cash rebate on petrol transactions in Singapore and Malaysia
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank FC Barcelona Visa Signature Card
Chance to win a trip for 2 to watch FC Barcelona every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and up to S$600 thereafter
S$150,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations and more
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
S$0 annual fee for the first 1 year and up to S$240 thereafter
S$80,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
UOB One Card
Up to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending
New customers can get up to S$230 in bonus cash credits. Until 30 June 2020. Ts&Cs apply
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
Maybank Manchester United Platinum Visa Card
Chance to win a trip for 2 to watch Manchester United FC every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$0 annual fee for the first 2 years and up to S$80 thereafter
S$30,000
Get American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account a minimum of S$300 in the first 2 months.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and enjoy up to 3,000 KrisFlyer miles if you charge at least S$1,500 to your credit card in the first month.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on chosen category with no min. spend required
New customers can get up to S$230 in bonus cash credits. Until 30 June 2020. Ts&Cs apply
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. Plus, 0% interest on some purchases for up to 12 months.
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy free transfers to Changi Airport. Plus, 20,000 bonus air miles if you charge S$50,000 to your card in a year.
Standard Chartered Prudential Visa Signature Card
Up to 10X rewards points on foreign spend, with no minimum spend required
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Standard Chartered Visa Infinite X Credit Card
3 miles per $1 spent on foreign currency.
Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
S$695.50 annual fee
S$30,000
UOB Delight Credit Card
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian.
Up to 10% SMART$ rebate at over 300 participating outlets islandwide.
S$0 annual fee for the first 1 year and up to S$85.60 thereafter
S$30,000
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2020.
Standard Chartered Manhattan $500 Card
N/A
Earn 0.25% cashback on everything you spend.
S$0 annual fee for the first 1 year and up to S$32.10 thereafter
S$18,000
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
UOB PRVI Miles World Mastercard
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
Get a referral bonus of S$50 worth of CapitaVouchers when you refer a friend
S$0 annual fee for the first 1 year and up to 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.
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$321 annual fee
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
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Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
Citi PremierMiles Card
Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 30 June 2020.
UOB PRVI Miles American Express Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy free transfers to Changi Airport. Plus, 20,000 bonus air miles if you charge S$50,000 to your card in a year.
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Get S$150 cash credit if you spend S$1,500 or more within 30 days. First 800 new customers only.
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Apply today and enjoy up to 3,000 KrisFlyer miles if you charge at least S$1,500 to your credit card in the first month.
UOB PRVI Miles Visa Card
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2020.
UOB PRVI Miles World Mastercard
6 air miles for every S$1 spent through Expedia, Agoda and UOB Travel
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 800 eligible applicants only.
S$0 annual fee for the first 1 year and up to S$256.80 thereafter
S$30,000
Apply today and enjoy up to S$150 in cash credits. Plus, free travel cover.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 in qualifying transactions in the first month of your account. Ends 30 June 2020
S$0 annual fee for the first 2 years and up to S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
DBS Altitude Card
Earn up to 4 miles per S$1 spend, with no expiry
Get Airpods or S$200 Cashback when you apply now!
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2020
S$0 annual fee for the first 1 year and up to S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 April 2020.
Standard Chartered Visa Infinite X Credit Card
3 miles per $1 spent on foreign currency.
Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
S$695.50 annual fee
S$30,000
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$50,000
Get Samsonite luggage (worth S$600) and a 1-night stay at Swissotel The Stamford Singapore (worth S$529) upon approval and spend S$4,500 in the first 3 months. Ends 13 April 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
N/A
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles if you spend at least S$10,000 within the first three months. Ends 30 April 2020.
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$321 annual fee
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and up to 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 Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and up to S$600 thereafter
S$150,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations and more
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
S$0 annual fee for the first 1 year and up to S$240 thereafter
S$80,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
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Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 16% off your fuel, 1-for1 lifestyle offers, and more
Enjoy up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Standard Chartered Unlimited Cashback Credit Card
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
Earn 1.5% cashback on all of your credit card spend with no minimum spend. Additionally, get 1% cashback on your approved Funds Transfer Amount.

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Up to S$150 cash back when you spend
S$800 in your first month. Ends 30 June 2020

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Standard Chartered Rewards+ Credit Card
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
HSBC Revolution Credit Card
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$150 cashback when you make S$800 in qualifying transactions in the first month of your account. Ends 30 June 2020
S$0 annual fee for the first 2 years and up to S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citi Rewards Credit Card
10X Rewards on certain shopping spend, including online purchases
Up to 20% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. Ends 30 June 2020.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
Citi PremierMiles Card
Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia
Up to 10% cash back at selected merchants
S$0 annual fee for the first 1 year and up to S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 30 June 2020.
Standard Chartered Spree Credit Card
Up to 20% savings on your fuel
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus, up to 25% off on postal services and lots more.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2020.
American Express True Cashback Card
Enjoy free travel insurance benefits of up to S$350,000
Earn 1.5% cashback on all eligible spending. no minimum spend or cap
S$0 annual fee for the first 1 year and up to S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$150 cashback for use at singaporeair.com when you spend a minimum of S$12,000 untill 30 June 2020
S$0 annual fee for the first 1 year and up to S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 April 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$50,000
Get Samsonite luggage (worth S$600) and a 1-night stay at Swissotel The Stamford Singapore (worth S$529) upon approval and spend S$4,500 in the first 3 months. Ends 13 April 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
N/A
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles if you spend at least S$10,000 within the first three months. Ends 30 April 2020.
American Express CapitaCard
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
Get a referral bonus of S$50 worth of CapitaVouchers when you refer a friend
S$0 annual fee for the first 1 year and up to 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
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and up to S$180 thereafter
N/A
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank eVibes Card - The Student Card
Up to 8% off accommodation bookings globally with AGODA
1% cash rebate on all spend
S$0 annual fee for the first 2 years and up to S$20 thereafter
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. First 500 successful applicants only.
Maybank Platinum Visa Card
Get complimentary travel cover of up to S$500,000
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
S$0 annual fee for the first 3 years and up to S$80 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Family & Friends Credit Card
Earn up to 3X interest on your child's savings with Maybank Family Plus
Up to 8% cashback with minimum spend of S$800 per month
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Manchester United Platinum Visa Card
Chance to win a trip for 2 to watch Manchester United FC every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$0 annual fee for the first 2 years and up to S$80 thereafter
S$30,000
Get American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account a minimum of S$300 in the first 2 months.
Maybank DUO Platinum Mastercard
Car servicing vouchers, vehicle merchandise and more
5% cash rebate on petrol transactions in Singapore and Malaysia
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank FC Barcelona Visa Signature Card
Chance to win a trip for 2 to watch FC Barcelona every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for the first 1 year and up to S$600 thereafter
S$150,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations and more
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
S$0 annual fee for the first 1 year and up to S$240 thereafter
S$80,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
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Compare up to 4 providers

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and up to 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.
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Compare up to 4 providers

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 S$150 cash back when you spend
S$800 in your first month. Ends 30 June 2020

S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 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 30 June 2020.
Standard Chartered NUS Alumni Platinum Credit Card
Earn 1 Rewards point for every S$1 charged to your card
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
S$0 annual fee for the first 2 years and up to S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
American Express Platinum Credit Card
Up to 50% off your food bill for unlimited visits at hotels around Singapore
N/A
S$321 annual fee
S$50,000
Get Samsonite luggage (worth S$600) and a 1-night stay at Swissotel The Stamford Singapore (worth S$529) upon approval and spend S$4,500 in the first 3 months. Ends 13 April 2020.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
S$0 annual fee for the first 2 years and up to 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
Get complimentary travel cover of up to S$500,000
Up to 3.33% cash rebates on local spending - up to a monthly limit of S$100
S$0 annual fee for the first 3 years and up to S$80 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Family & Friends Credit Card
Earn up to 3X interest on your child's savings with Maybank Family Plus
Up to 8% cashback with minimum spend of S$800 per month
S$0 annual fee for the first 3 years and up to S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
Maybank Manchester United Platinum Visa Card
Chance to win a trip for 2 to watch Manchester United FC every season
1.6% cash rebate on all spend locally. No minimum spend or cap
S$0 annual fee for the first 2 years and up to S$80 thereafter
S$30,000
Get American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account a minimum of S$300 in the first 2 months.
Maybank DUO Platinum Mastercard
Car servicing vouchers, vehicle merchandise and more
5% cash rebate on petrol transactions in Singapore and Malaysia
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
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