Best credit cards*

Compare cashback cards, rewards cards, dining cards and more side by side to find the right card for you.

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To choose the right credit card for your needs, consider the features you want, your spending habits and your financial history. Compare available cards here and apply today.

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 30 Sep 2019

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): 60000.000000000000000000000000000000
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Compare some of the best credit cards

Name Product Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR
2.5%-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
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
2.50%-4.88%
Up to 5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
2.5%-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
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
Up to S$60 cashback monthly with no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
1.5% cashback on all spend with no cap and no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
Up to 10X rewards points for every S$1 spent in foreign currency
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Earn 1% cash rebate on all spend
S$0 annual fee
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.
Up to 3.33% cash rebates on local spend
S$0 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
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
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.
Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore
S$0 annual fee for 2 years - S$80 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
5% cash rebate on petrol in Singapore and Malaysia
S$0 annual fee for 3 years - S$120 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
1.6% unlimited cash rebate on all local spend
S$120 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$150 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
2 Citi Miles for every S$1 spent overseas, 1.2 Citi Miles per S$1 spent locally with no minimum spend and 1.5 Citi Miles per S$1 spent locally with minimum spend of S$3,000 per statement month.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
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
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 January 2020.
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
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.
Up to 5% savings on groceries, fast food, movies, and coffee.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.

Compare up to 4 providers

What is the best credit card for me?

To choose the right credit card, you need to look at how you plan to use the card, your current financial situation and your future goals. This will allow you to compare benefits and features based on your circumstances so that you can find a credit card that suits your needs.

For example, if you want a credit card that offers rewards and perks, you could look at frequent flyer cards or gold, platinum and black options. Or, if you want a card to help you manage your expenses, you could compare 0% purchase, balance transfer or low rate cards. Check out the types of cards that you’re interested in for a description and some tips on how to choose the right card to meet your needs.

Cashback credit cards, as the name suggests, reward users with cash back to the tune of 1.5% to 6% of spending on the card. Some cards may require a minimum spend or put a cap on maximum cash back allowed. Most credit cards would also specify whether it is applicable on only local purchases or includes overseas spending as well. The cards would generally offer cash back both on retail and online purchases.

As cashback cards come with a cap, it is important to see just how much that monthly cap is. The other parameters to compare include annual fees and rate of interest payable on credit cards. An obvious choice of card would be one which also offers cashback on overseas and online spends and additional perks and discounts the year round.

Compare cashback credit cards
Name Product Cashback Offer Cashback Cap Annual Fee Min Income - Singaporean and PR
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 Dec 2019.
S$120 for the entire promo period
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 Dec 2019.
S$80 for the entire promo period
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
5% cashback on dining, groceries and petrol


S$150 cash back when you spend S$800 within a month of card approval. Ends 30 September 2019.

S$250 per quarter


S$150 for the entire promo period
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
S$150 cash back when you spend S$800 within the first 2 months of card approval. Ends 30 September 2019.
S$150 for the entire promo period
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
Up to 3.5% cashback on all purchases


S$150 cash back when you spend S$800 within 2 months of card approval. Ends 30 September 2019.
S$125 per month, S$150 for the entire promo period
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
8% cash back on dining, groceries and petrol transactions
S$25 per category per month
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019
Redeem S$10 cash back for shopping vouchers in every 10 SMRT$ earned
600 SMRT$ per year
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.
Up to 10% cash back at over 300 merchants
no cap
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 January 2020.
Up to 10% cash back at over 300 merchants
no cap
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 Dec 2019.



S$100 for the entire promo period
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
S$50 cash credits to offset credit card payment
S$50
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
1% cash rebate on all spend
no cap
S$0 annual fee
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.
Earn up to 3.33% cash rebates on all purchases in Singapore upon spending S$300 per month on every quarter


Cash rebate of 0.3% will also be earned on overseas spending at no minimum spend
S$100 per quarter


S$50 per month
S$0 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Up to 8% cashback with minimum spend of S$800 per month.
S$50 per month
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
5% cash rebate on petrol transactions
no cap
S$0 annual fee for 3 years - S$120 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
1.6% cash rebate on all spend
no cap
S$120 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Redeem TREATS points with cash credits
no cap
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
Receive S$100 cash credit with min. spend of S$800 to your card or withdrawal from your CreditAble account within the first 2 months. Ends 31 Jul 2019.
S$100
S$0 annual fee for 3 years - S$150 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 Dec 2019.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
Get S$50 cash credit with minimum spend of S$700 upon card approval
S$50
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.

Compare up to 4 providers

Dining credit cards are reward credit cards that offer cash back, coupons, discounts and other perks on various dining options. Issuers may specify which restaurants and joints are eligible for discounted payment. These may include both local and overseas outlets. If you love eating out or ordering in, dining credit cards could be your credit card of choice. Not only do the cards make your meals more affordable, but they also come with extra perks and cash back.

Dining credit cards usually offer an array of rewards and discounts, not only on dining but for grocery shopping, at petrol stations. Comparison points would be thus the variety of rewards offered by the card, the annual fee for the card and interest payable including whether foreign transaction fee will be applicable or exempted.

Compare dining cards
Name Product Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR
1.5% cashback on all spend with no cap and no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
2.50%-4.88%
Up to 5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
2.5%-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
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
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
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019
Up to 5% savings on groceries, fast food, movies, and coffee.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.
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
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 January 2020.
2 Citi Miles for every S$1 spent overseas, 1.2 Citi Miles per S$1 spent locally with no minimum spend and 1.5 Citi Miles per S$1 spent locally with minimum spend of S$3,000 per statement month.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.
Up to S$60 cashback monthly with no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Earn 1% cash rebate on all spend
S$0 annual fee
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.
Receive a 10% discount and 10 TREATS Points for every S$1 spent at United Direct Online Megastore
S$0 annual fee for 2 years - S$80 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
5% cash rebate on petrol in Singapore and Malaysia
S$0 annual fee for 3 years - S$120 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
1.6% unlimited cash rebate on all local spend
S$120 annual fee
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$150 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.

Compare up to 4 providers

Grocery credit cards or supermarket credit cards are cards that reward the user for shopping for groceries or at the specified supermarket. Generally, they provide a percentage of actual spending on the card as cash back, reward with discounts and offers to stretch your dollar more. If you head to the supermarket every few days to stock up on your groceries, the grocery credit card could be for you.

Look for the annual fee component of your card, the interest payable, the cap on cash backs and if there is a minimum monthly spend required to trigger the rewards. Also, check for the validity of the card as some grocery cards tie up with other retailers, dining outlets, petrol stations and even offer cash back and discounts on taxi rides.

Compare grocery credit cards
Name Product Cashback Offer Cashback Cap Principal Annual Fee Min Income - Singaporean and PR
5% cashback on dining, groceries and petrol


S$150 cash back when you spend S$800 within a month of card approval. Ends 30 September 2019.

S$250 per quarter


S$150 for the entire promo period
S$192.6
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
8% cash back on dining, groceries and petrol transactions
S$25 per category per month
S$192.6
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019
Redeem S$10 cash back for shopping vouchers in every 10 SMRT$ earned
600 SMRT$ per year
S$192.6
S$30,000
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.
Up to 10% cash back at over 300 merchants
no cap
S$192.6
S$30,000
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
Up to 8% cashback with minimum spend of S$800 per month.
S$50 per month
S$180
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.

Compare up to 4 providers

Frequent flyer credit cards or air miles credit cards help you earn air miles on everyday purchases, either directly or by transferring card reward points to your chosen airline loyalty program. Anyone who wants to maximise their air miles to enjoy free flights and other benefits. To find the best miles card for you, consider the following:

  • Which frequent flyer program is available? Some credit cards are tied directly to a specific airline rewards scheme. Others allow you to transfer credit card reward points to partner frequent flyer programs, such as American Express Membership Rewards.
  • Compare the earn rate. The earn rate is the number of points you earn per S$1 spent. Also check whether there’s a cap on how many points you can earn each month or each year.
  • Other valuable features. What other features do you want from your card? Are there any bonus points on offer, complimentary insurance, airport lounge passes or an annual fee waiver?
Compare air miles credit cards
Name Product Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR
2.5%-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
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
2 Citi Miles for every S$1 spent overseas, 1.2 Citi Miles per S$1 spent locally with no minimum spend and 1.5 Citi Miles per S$1 spent locally with minimum spend of S$3,000 per statement month.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$150 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.

Compare up to 4 providers

Rewards credit cards offer reward points based on the amount you spend. You can redeem your points for shopping, travel, gift vouchers and many other rewards. Reward programs differ greatly in the variety of rewards they offer, from flights to shopping, gift cards and experiences. Make sure the rewards available are of interest to you.

Check how many points your card offers per S$1 spent. Many rewards credit cards also have point’s caps that only allow you to earn a specified amount of points during a statement period, so check for this limitation too. Also, consider the other features of the card, such as complimentary insurances or balance transfer offers, as well as rates and fees.

Compare rewards credit cards
Name Product Welcome Offer Reward Annual Fee
Get S$80 cashback with activation of card within 30 days upon approval. T&Cs apply. Ends 30 Sep 2019.
1.5% cashback on all spend with no cap and no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
Up to 10X rewards points for every S$1 spent in foreign currency
S$0 annual fee for 2 years - S$192.60 thereafter
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
Samsonite T5 68cm Spinner Luggage with built-in scale or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 December 2019.
Up to 5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
Samsonite T5 68cm Spinner Astra 55cm Luggage with built-in scale or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. T&C's apply. Ends 31 December 2019.
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
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
Samsonite Astra T5 68cm Spinner Luggage with built-in scale or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 December 2019.
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
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 31 Dec 2019.
S$120 cash back when you apply & spend S$1,200 in the first 3 months upon card approval.
Earn up to 8% cash back on dining, groceries and petrol worldwide.
S$0 annual fee for 1 year - S$192.60 thereafter
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019
S$120 savings when you apply & spend S$1,200 in the first 3 months upon card approval. Ends 31 December 2019.
Up to 5% savings on groceries, fast food, movies, and coffee.
S$0 annual fee for 2 years - S$192.60 thereafter
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.
Get up to 30,000 Citi ThankYou Points with minimum spend of S$3,000 in the first three months. Ends 31 January 2020.
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
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 31 January 2020.
30,000 Citi Miles when you apply & spend S$7,500 in the first 3 months and pay the annual fee. Ends 30 September 2019.
2 Citi Miles for every S$1 spent overseas, 1.2 Citi Miles per S$1 spent locally with no minimum spend and 1.5 Citi Miles per S$1 spent locally with minimum spend of S$3,000 per statement month.
S$0 annual fee for 1 year - S$192.60 thereafter
Receive 40,000 miles when you spend S$9,000 in the first 3 months and pay the annual fee. Ends 31 January 2020.
Receive a Welcome Gift of 62,500 ThankYouSM Points (25,000 Miles).Ends 31 December 2019.
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
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
Up to S$60 cashback monthly with no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.
Earn 1% cash rebate on all spend
S$0 annual fee
Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.
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 two months.
Up to 3.33% cash rebates on local spend
S$0 annual fee
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.
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 two 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
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.
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 two 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
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.
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 two months.
5% cash rebate on petrol in Singapore and Malaysia
S$0 annual fee for 3 years - S$120 thereafter
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.
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 two months.
1.6% unlimited cash rebate on all local spend
S$120 annual fee
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.
Experience golfing paradise at The Els Club Malaysia. Ends till 31 Dec 2019.
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
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 two 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$150 thereafter
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.
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 2 years - S$192.60 thereafter
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 31 Dec 2019.
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 two months.
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
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.

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Gold, Platinum and Black credit cards provide access to premium features such as complimentary insurance and concierge services. These cards are designed for high earners and big spenders who want something extra for paying with plastic.

Because of their premium features, these cards typically have higher annual fees than other credit cards. To maximise the value you get from one of these cards, make sure you will regularly use the features it offers. The purchase rate may not be as competitive on these premium cards. But if you want a very high spending limit, this type of card could be suited to your needs.

Student cards are low-cost credit card options that are available for students who need a convenient line of credit. These cards are designed for students who are looking for affordable credit card options, and who may not qualify for other cards. They’re a good way to build credit history and understand the responsibilities of debt.

In Singapore student credit cards do not require minimum income eligibility However, they do have minimum age requirement of 18 years and also require parents’ consent for the card. Check what interest rate will apply to your purchases and whether or not you will be charged an annual fee. Also, check the credit limit that you can avail on the card.

Compare student cards

Name Product Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR
Earn 1% cash rebate on all spend
S$0 annual fee
N/A
Get an Adidas wristwatch worth S$120 when you use your card in the first month. Offer limited to the first 500 successful applicants.

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Business credit cards give your business access to a convenient line of credit to help manage fluctuations in your cash flow. Additional cards and spending caps also mean you can manage your employees’ spending. There are business credit cards for sole traders, small-to-medium businesses and corporate entities that provide access to credit to help manage finances.

You can opt for a card that earns your business rewards points, offers complimentary insurances or one that helps you save on your business purchases. Many business credit cards also offer integration with accounting software and include additional cards for employees. If cash flow issues mean you won’t always be able to pay off the card immediately, then seek a card with a low purchase rate. If your key requirement is being able to track and centralise business spending, look at other features such as annual fees.

Compare business cards

Name Product Balance Transfer Rate Reward Annual Fee Min Income - Singaporean and PR
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.

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What else do I need to know to choose the best credit card?

Keep the following factors in mind when you’re comparing credit cards so that you can find the best options for your needs:

  • Limited-time offers. Promotional offers that give you bonus points, 0% interest rates and other introductory perks usually run for a limited time. So if you have seen an offer you like, make sure you check the date that it ends before you apply. You can use the comparison tables on finder.com.sg to compare the latest credit card offers and click on either the card name or “Go to site” to find out more about the introductory offer and ongoing features.
  • Ongoing costs. Even if you’re looking at the best credit cards with low or no fees, there will be times when specific charges apply. So remember to look at the standard features and pay particular attention to the annual fee and ongoing purchase rate. This will help you find a card that’s affordable for you beyond an introductory period.
  • Terms and conditions. Credit cards feature a long list of terms and conditions that apply for each individual feature or offer. Keep this in mind when you’re comparing credit cards and make sure you at least check the requirements for the features that you really want to use.
  • Application eligibility. Each credit card has a set of eligibility requirements you need to meet before you can apply, such as age, income and residential status. These requirements vary, so we’ve included specific details on our credit card review pages. You can also check your eligibility on the application page by clicking “Go to site” or “More info” for the credit cards listed here.
  • Application details. The information you need to provide when you apply varies between credit cards but generally includes your contact details, employment and income information as well as details of your regular expenses, debts and assets. You’ll also need to provide supporting documentation, such as recent payslips and a copy of your driver’s licence or other identification.

While there isn’t a single “best” credit card on the market, the wide range of cards available means that there are usually a number of cards you can compare and choose from based on your goals. If you’re interested in cards with other specific features, or if you have a question about credit cards, get in touch with us via the question box below.

 
 

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