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.

Last updated:

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 March 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
Go to site
Promoted

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 January 2020

Name Product Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR Contactless Payments
HSBC Revolution Credit Card
2.50%-4.88%
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
payWave
Apple Pay
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
0% per p.a.
Up to S$60 cashback monthly with no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
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
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
2 Citi Miles for every S$1 spent overseas, 1.5 miles for every S$1 spent locally with minimum spend of S$3,000 per statement month, 1.2 Citi Miles per S$1 spent locally with no minimum spend.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
HSBC Visa Platinum Card
2.50%-4.88%
5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
payWave
Apple Pay
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
0% per p.a.
1.5% cashback on all spend with no cap and no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Tap & Go with Mastercard
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Citi Rewards Credit Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
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
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 January 2020.
HSBC Advance Credit Card
2.50%-4.88%
Up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
payWave
Apple Pay
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 Rewards+ Credit Card
0% per p.a.
Up to 10X rewards points for every S$1 spent in foreign currency
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Citi Cash Back Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Earn up to 8% cash back on dining, groceries and petrol worldwide.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2020.
Citi Prestige Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 January 2020.
Citibank SMRT Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Up to 5% savings on groceries, fast food, movies, and coffee.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2020.
American Express True Cashback Card
N/A
1.5% cashback on all purchases with no minimum spend and no cap
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
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
N/A
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$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 31 January 2020.
American Express CapitaCard
N/A
Earn 3X STAR$ when you shop at participating CapitaLand malls
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 31 January 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
N/A
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).
S$337.05 annual fee
S$50,000
Google Pay
Apple Pay
Samsung Pay
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 31 January 2020.
American Express Platinum Credit Card
N/A
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Receive a 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 January 2020.
Maybank Business Platinum Mastercard
0% for 6 months
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
N/A
Samsung Pay
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 Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR Contactless Payments
Standard Chartered Unlimited Cashback Credit Card
0% per p.a.
1.5% cashback on all spend with no cap and no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Tap & Go with Mastercard
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Standard Chartered Rewards+ Credit Card
0% per p.a.
Up to 10X rewards points for every S$1 spent in foreign currency
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
American Express True Cashback Card
N/A
1.5% cashback on all purchases with no minimum spend and no cap
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.
HSBC Visa Platinum Card
2.50%-4.88%
5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
payWave
Apple Pay
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 Singapore Airlines KrisFlyer Credit Card
N/A
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$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 31 January 2020.
HSBC Revolution Credit Card
2.50%-4.88%
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
payWave
Apple Pay
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.
HSBC Advance Credit Card
2.50%-4.88%
Up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
payWave
Apple Pay
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
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Earn up to 8% cash back on dining, groceries and petrol worldwide.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2020.
Citibank SMRT Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Up to 5% savings on groceries, fast food, movies, and coffee.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2020.
Citi Rewards Credit Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
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
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 January 2020.
Citi PremierMiles Visa Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
2 Citi Miles for every S$1 spent overseas, 1.5 miles for every S$1 spent locally with minimum spend of S$3,000 per statement month, 1.2 Citi Miles per S$1 spent locally with no minimum spend.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
Standard Chartered Spree Credit Card
0% per p.a.
Up to S$60 cashback monthly with no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
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
0% for 6 months
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
N/A
Samsung Pay
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
0% for 6 months
Earn 1% cash rebate on all spend
S$0 annual fee for 2 years - S$20 thereafter
N/A
Samsung Pay
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
0% for 6 months
Up to 3.33% cash rebates on local spend
S$0 annual fee
S$30,000
Samsung Pay
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
0% for 6 months
8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Samsung Pay
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
0% for 6 months
5% cash rebate on petrol in Singapore and Malaysia and 1.5% cash rebate in foreign currency.
S$120 annual fee
S$30,000
Samsung Pay
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
0% for 6 months
1.6% unlimited cash rebate on all local spend
S$120 annual fee
S$30,000
Samsung Pay
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
0% for 6 months
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Samsung Pay
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2020.
Maybank Horizon Visa Signature Card
0% for 6 months
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Samsung Pay
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
0% per p.a.
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Maybank World Mastercard
0% for 6 months
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Samsung Pay
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 Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR Contactless Payments
American Express Singapore Airlines KrisFlyer Credit Card
N/A
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$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 31 January 2020.
HSBC Revolution Credit Card
2.50%-4.88%
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
payWave
Apple Pay
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
N/A
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Receive a 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 January 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
N/A
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).
S$337.05 annual fee
S$50,000
Google Pay
Apple Pay
Samsung Pay
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 31 January 2020.
Citi PremierMiles Visa Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
2 Citi Miles for every S$1 spent overseas, 1.5 miles for every S$1 spent locally with minimum spend of S$3,000 per statement month, 1.2 Citi Miles per S$1 spent locally with no minimum spend.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
Citi Prestige Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 January 2020.
Maybank Business Platinum Mastercard
0% for 6 months
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
N/A
Samsung Pay
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank Visa Infinite Card
0% for 6 months
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Samsung Pay
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2020.
Maybank Horizon Visa Signature Card
0% for 6 months
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Samsung Pay
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
0% for 6 months
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Samsung Pay
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 Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR Contactless Payments
Standard Chartered Unlimited Cashback Credit Card
0% per p.a.
1.5% cashback on all spend with no cap and no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Tap & Go with Mastercard
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Standard Chartered Rewards+ Credit Card
0% per p.a.
Up to 10X rewards points for every S$1 spent in foreign currency
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
American Express True Cashback Card
N/A
1.5% cashback on all purchases with no minimum spend and no cap
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.
HSBC Visa Platinum Card
2.50%-4.88%
5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
payWave
Apple Pay
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 Singapore Airlines KrisFlyer Credit Card
N/A
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$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 31 January 2020.
HSBC Revolution Credit Card
2.50%-4.88%
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
payWave
Apple Pay
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
N/A
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Receive a 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 January 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
N/A
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).
S$337.05 annual fee
S$50,000
Google Pay
Apple Pay
Samsung Pay
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 31 January 2020.
HSBC Advance Credit Card
2.50%-4.88%
Up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
payWave
Apple Pay
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
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Earn up to 8% cash back on dining, groceries and petrol worldwide.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2020.
Citibank SMRT Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Up to 5% savings on groceries, fast food, movies, and coffee.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 January 2020.
Citi Rewards Credit Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
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
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 January 2020.
Citi PremierMiles Visa Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
2 Citi Miles for every S$1 spent overseas, 1.5 miles for every S$1 spent locally with minimum spend of S$3,000 per statement month, 1.2 Citi Miles per S$1 spent locally with no minimum spend.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
Citi Prestige Card
New customers: 0% for 6 months Existing customers: 0% for 6-12 months
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 January 2020.
American Express CapitaCard
N/A
Earn 3X STAR$ when you shop at participating CapitaLand malls
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 31 January 2020.
Standard Chartered Spree Credit Card
0% per p.a.
Up to S$60 cashback monthly with no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
EZ-Link
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
0% for 6 months
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
N/A
Samsung Pay
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
0% for 6 months
Earn 1% cash rebate on all spend
S$0 annual fee for 2 years - S$20 thereafter
N/A
Samsung Pay
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
0% for 6 months
Up to 3.33% cash rebates on local spend
S$0 annual fee
S$30,000
Samsung Pay
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
0% for 6 months
8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Samsung Pay
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
0% for 6 months
Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore
S$0 annual fee for 2 years - S$80 thereafter
S$30,000
Samsung Pay
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
0% for 6 months
5% cash rebate on petrol in Singapore and Malaysia and 1.5% cash rebate in foreign currency.
S$120 annual fee
S$30,000
Samsung Pay
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
0% for 6 months
1.6% unlimited cash rebate on all local spend
S$120 annual fee
S$30,000
Samsung Pay
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
0% for 6 months
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Samsung Pay
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2020.
Maybank Horizon Visa Signature Card
0% for 6 months
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Samsung Pay
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
0% per p.a.
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 March 2020.
Maybank World Mastercard
0% for 6 months
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Samsung Pay
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 Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR Contactless Payments
Maybank Business Platinum Mastercard
0% for 6 months
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
N/A
Samsung Pay
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 Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR Contactless Payments
HSBC Visa Platinum Card
2.50%-4.88%
5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
payWave
Apple Pay
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
N/A
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Google Pay
Apple Pay
Samsung Pay
Amex Pay
Receive a 1-night stay at Swissotel The Stamford Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 31 January 2020.
Maybank Business Platinum Mastercard
0% for 6 months
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
N/A
Samsung Pay
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Maybank Platinum Visa Card
0% for 6 months
Up to 3.33% cash rebates on local spend
S$0 annual fee
S$30,000
Samsung Pay
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
0% for 6 months
8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Samsung Pay
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
0% for 6 months
Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore
S$0 annual fee for 2 years - S$80 thereafter
S$30,000
Samsung Pay
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
0% for 6 months
5% cash rebate on petrol in Singapore and Malaysia and 1.5% cash rebate in foreign currency.
S$120 annual fee
S$30,000
Samsung Pay
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
0% per p.a.
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Google Pay
Apple Pay
Samsung Pay
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

Ask Finder

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and .

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site