Compare Credit Cards

Whether you want rewards, low rates, low annual fees or complimentary extras, we'll help you 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 and budget, as well as any specific features or benefits you’re interested in using.

You can compare credit cards from a range of providers based on the features you want. 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 Samsonite T5 Spinner luggage

Offer ends 30 Sep 2019

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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Compare credit cards for 2019

Name Product Balance transfer rate Reward Annual Fee Min Income - Singaporean and PR
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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.
0%
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
1%
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.
0%
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.

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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 to a few cards by using these categories. To help you do this, we’ve outlined the major credit 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), while others offer a fixed rate of cashback, usually as an introductory promotion.

Some rewards credit cards are linked to popular frequent flyer programs. These cards earn frequent flyer points 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 you compare 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.

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 you compare no annual fee cards, so that you can choose one that offers the most convenient features and greatest savings for your circumstances.

Low interest credit cards are designed to save you money on your balance by offering a competitive rate of interest. If you regularly carry a balance on a credit card, a low rate option could save you hundreds or even thousands of dollars every year.

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.

Business credit cards offer specific features designed to make financial management easier across a company, such as additional credit cards for employees, individual pre-set spending limits and itemised statements. If you’re comparing business credit cards, make sure you consider which extra features you want (including rewards programs) as well as the interest rates and fees so that you can get an option that’s affordable and convenient for your finance and accounting needs.

You can use almost any credit card when travelling 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, frequent flyer points, hotel offers, airport lounge access and no foreign transaction fees. 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.

How to compare credit cards

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. Some of the most popular introductory offers include:

  • Bonus points
  • 0% balance transfer interest rates
  • 0% purchase rates
  • Reduced or S$0 annual fees in the first year
  • Cashback, gift cards or flight vouchers

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. Also 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, while a balance transfer offer might only be available if you include your transfer request when you apply.

Complimentary extras

Credit cards offer a wide range of complimentary features and benefits that can add value to the card you choose. Some of the most popular options include:

  • Travel insurance
  • Airport lounge passes
  • Flight and travel vouchers
  • Concierge services
  • Ticket and event offers
  • Purchase protection insurance covers

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. This will help you choose a credit card with a rewards program that is right for you.

Rates and fees

When you compare 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.

      From low rate options to rewards credit cards, super-premium platinum and black cards or those with no fees, there are credit cards available to suit almost anyone’s needs. 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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