Compare Credit Cards

Whether you want rewards, low rates, no annual fees or complimentary extras, use our credit card comparison tools to find the right one for you

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Comparing credit cards side-by-side before you make a decision can help you find the card that best suits your needs based on your spending habits, budget and added features or benefits you’re interested in using.

In this guide, we walk you through the different types of credit cards available and important details to remember when comparing your options so that you can apply for one that meets your needs.

HSBC Advance Credit Card

HSBC Advance Credit Card

Receive S$150 cash back or a Prestige 69cm Spinner Exp luggage

Offer ends 31 Aug 2020

Eligibility criteria, terms and conditions, fees and charges apply

HSBC Advance Credit Card

Apply today and enjoy 3.5% cash back on all purchases. No minimum spend required.

  • Principal Annual Fee: S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter.
  • Cashback Rate: 3.5%
  • Annual Interest Rate: 25.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$40,000
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Credit card comparison

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 within the qualifying spend period. Ends 31 Aug 2020
S$0 annual fee for the first 2 years and 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
UOB PRVI Miles American Express Card
2.4 air miles for every S$1 spent overseas including online shopping on overseas websites.
Get S$150 cash credit if you spend a minimum of S$1,500 within 30 days. First 400 new customers only.
S$0 annual fee for the first 1 year and 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 within the qualifying spend period. Ends 31 Aug 2020

S$0 annual fee for the first 2 years and 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
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 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. 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 S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
UOB Lady's Card
10X UNI$ (or 20 miles) per S$5 spent on chosen category with no min. spend required
New customers can get S$150 in bonus cash credits. T&Cs apply.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get S$150 in bonus cash credits. T&Cs apply.Ends 31 August 2020.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 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 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
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
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$150 in bonus cash credits. T&Cs apply.
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What types of credit cards can I compare?

Different types of credit cards offer specific features and benefits that are designed to suit a variety of needs. When you know what you want from a credit card, you can narrow down your comparison by using these categories.

To help you find the best credit card for you, we’ve outlined the major card categories below:

This type of credit card rewards you with cashback or a credit on your account when you meet specific spending requirements. Some cashback credit cards offer a percentage back for each S$1 you spend (similar to rewards credit cards, as our guide explains). Others offer a fixed rate of cashback, usually with an introductory promotion.

These credit cards have a S$0 annual account fee, potentially saving you hundreds of dollars. Some no annual fee cards only offer a S$0 fee for the first year you have a card, while others have no annual fee for life.

Make sure you consider both of these options when undertaking a comparison of no annual fee cards, so that you can choose one that offers the most convenient features and greatest savings for your circumstances.

Some rewards credit cards are linked to popular frequent flyer programs. These cards earn air miles per S$1 spent on the card and may also offer other travel benefits such as complimentary insurance, flights or airport lounge access.

As with other rewards credit cards, when making a comparison of frequent flyer cards, you need to look at the rewards program available, the amount of points you earn per S$1 spent, the card fees and any complimentary extras to make sure it’s worth it for you.

If you’re studying, you may want to get a credit card to help you manage your finances or build up credit history. As most students don’t earn a lot of money, student credit cards typically have lower or no minimum income requirements and lower credit limits. These cards offer basic features that can help you with cash flow and can be a good way to learn how credit cards work. If you’re interested in getting a student credit card, make sure you consider credit limit and annual fees to find an option that is both flexible and affordable.

You can use almost any credit card when you travel but some cards come with specialised features and benefits to help you save you money on every trip you take. Depending on the card you choose, perks could include complimentary overseas insurance, domestic flight inconvenience insurance, car hire coverage, air miles, hotel offers, airport lounge access and no foreign transaction fees. Find out more about 0% foreign fees credit cards, including how they work.

To compare travel credit cards, make sure you consider how often you’ll use these features, as well as the ongoing card costs, so that you can find one that offers value for money and covers your travel needs.

Gold, platinum and black credit cards are premium options designed for bigger spenders. They have higher credit limits and more additional benefits such as complimentary insurance, higher reward point earn rates and shopping and travel perks. It’s important to check the minimum income requirements when comparing gold, platinum and black credit cards, as they are often higher than standard cards. Also, make sure you consider whether the benefits available will outweigh the cost of interest charges and annual fees – both of which may be higher on a premium card.

Comparing credit cards: what you need to know

Regardless of the type of credit card you’re looking for, it’s important to consider a range of factors to find a card that’s right for you. Here, we’ve outlined the key features you should look at when you compare credit cards.

Introductory offers

Credit cards often come with promotional features for new customers that are designed to add upfront value to the card you choose.

If you’re comparing credit cards with introductory offers, make sure you look at the ongoing features to get a true sense of the value the card will provide in the long run. Check the length of the introductory period and any other conditions you need to meet to claim the offer available. For example, a reward card offering bonus points might require you to spend a certain amount of money in the first few months you have it.

Complimentary extras

Credit cards offer a wide range of complimentary features and benefits that can add value to the card you choose.

These perks can add up to hundreds of dollars of extra value – but only if you use them. When you’re looking at the complimentary extras during your credit card comparison, be realistic about whether or not you will be able to get value from these features so that they offset the cost of any fees.

Rewards programs

If you want to earn rewards for your credit card spending, pay attention to the type of rewards program available. Some credit cards have their own rewards programs.As well as deciding which rewards program you want, think about the amount of points you will need to redeem rewards and how often you will use your credit card. Read more about how to choose a credit card with a rewards program.

Cashback categories

Many credit cards offer cashback as part of an ongoing rewards program. These cards often tempt customers in with a one-off cashback reward offer for meeting certain spending goals. For comparison purposes, it’s important to understand the different categories of cashback.

Base rate cashback is the typical cash rebate which you receive on your everyday purchases. Promotional cashback rates are usually for new customers only – they often require that you spend a specific amount within the first few months you have the card. Bonus cashback rewards you for specific types of spending, like buying merchandise with that credit card’s partner merchant.

Rates and fees

When you’re comparing credit cards, the rates and fees will help you work out the overall cost of each option. Make sure you consider these charges and when they could apply so that you know what other potential costs you may have to pay for any card you choose.

    How do I apply for a credit card?

    During the comparison process, it’s important to make sure that you meet a credit card provider’s minimum eligibility requirements. There are a number of factors that will be taken into account when you apply for a new card in order for your application to be approved. These include:

    • Your income
    • Your ability to meet any future repayments
    • You must also be able to prove you have a history of managing credit in a responsible way. A decision will be made on this based on your credit score.

    Now that you understand more about the different factors that need to be considered, you can start comparing credit cards and apply for one that really works for you.

    Compare cards and apply securely
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