Lifestyle credit cards

Get exclusive rewards, discounts and experiences with a lifestyle credit card.

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Lifestyle credit cards are designed to make a luxurious lifestyle more accessible and more rewarding. If you frequently travel abroad, stay in resorts or enjoy fine dining, a lifestyle credit card could save you money. Compare the different benefits and advantages of each lifestyle credit card and decide which combination of perks and annual fees works best for you.

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): S$60,000
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Compare lifestyle cards

Name Product Balance transfer rate Reward Annual Fee Min Income - Singaporean and PR
0%
Get up to 1.1 KrisFlyer miles for every S$1 spent
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.
0%
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
Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.
0%
Earn 3X STAR$ when you shop at participating CapitaLand malls
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) when you spend S$3,000 within the first three months of card approval. Ends 30 September 2019.
0%
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Receive a 1-night stay at Swissotel 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 30 September 2019.
0%
Get up to 1.2 KrisFlyer miles for every S$1 spent
S$337.05 annual fee
S$50,000
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.
0%
Earn up to 8% cash back on dining, groceries and petrol.
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.
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.
0%
10X Rewards on your shopping spend (local and overseas) and online purchases (except 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 30 September 2019.
0%
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee.
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% 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 30 Sep 2019.
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 30 Sep 2019.
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%
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%
8% cash rebates on groceries, transport and selected merchants with S$1,000 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%
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%
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%
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 30 Sep 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 30 Sep 2019.
0%
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 3 years - S$160.50 thereafter
S$30,000
Get a one-time cashback of S$65 on your electricity bill at participating OEM retailers. Ends 31 Aug 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 30 Sep 2019.

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What are lifestyle credit cards?

A lifestyle credit card is just like an ordinary credit card, but with enhanced lifestyle benefits. These benefits can be wide-ranging, including substantial discounts on hotel nights, resorts and dining out. Lifestyle credit cards could include access to airport lounges, lower airfares on partner airlines and specially packaged travel deals.

Golfers also stand to win with a lifestyle credit card, including complimentary green fees and free access to elite golf programmes at top golf resorts. A lifestyle card usually provides access to events which are exclusive to cardholders, while you can expect to receive higher reward points or cashback when you spend on luxury goods and travel.

How do lifestyle cards work?

Lifestyle credit cards offer a unique combination of benefits. These benefits will be a mix of increased rewards on your spending and special perks and discounts. In addition, issuers of leading lifestyle credit cards will advise you on top lifestyle choices, including recommendations covering the world’s best hotels and travel destinations.

Expect specifically negotiated packages and deals that are exclusive to lifestyle cardholders. Credit card companies offer these extended benefits to entice you to spend more on your credit card, which earns your credit card provider more commission on transactions. Some lifestyle benefits are financed through annual credit card fees, which can be steep.

Features of lifestyle credit cards

  • Exclusive offers. You will get first-rate, exclusive offers with your lifestyle credit card. Examples include a spa benefit when you stay at a resort, or free drinks when you book dinner at a participating restaurant.
  • Additional rewards. Lifestyle credit cards frequently pay a higher cashback rate on your leisure and travel spend, or more rewards points. This means you get a higher percentage back when you pay at selected categories of merchants.
  • Inside information. Top cards provide curated content on the best travel destinations, top hotels and best places to dine out. These newsletters and magazines are usually exclusive to lifestyle credit card holders.
  • Special status. Many lifestyle cards offer complimentary tier status with hotel groups, golf clubs and car rental agencies. This can lead to perks such as car upgrades and special treats on checking in at your hotel.

How to compare lifestyle cards

  • Your lifestyle. The benefits offered by lifestyle cards vary widely. Consider the different cards on the market and choose the card which features benefits and perks that match your lifestyle.
  • Annual fees. Though some lifestyle cards charge no annual fees or a very low annual fee you may find benefits are trimmed accordingly. Consider the value of the benefits on offer along with the annual fee as a high annual fee may be worth paying if you can really use the lifestyle benefits.
  • Interest rates. Lifestyle credit cards can charge high rates on balances so think carefully about the annual percentage rate (APR) on a lifestyle credit card if you regularly carry a balance.

Las Vegas Strip

Pros and cons

Pros

  • Automatic benefits. A lot of the lifestyle benefits don’t require any actions from you, so you could enjoy increased rewards and special offers which are applied to your account as you pay. It is an easy way to save.
  • Exclusivity. The best lifestyle card providers go to lengths to negotiate exclusive events and special moments for their cardholders. You simply won’t get access to these exclusive events if you don’t hold a lifestyle credit card.
  • Annual fee waiver. Lifestyle cards targeted at very high spenders often feature permanent annual fee waivers, as long as you maintain the level of income or investment which entitles you to a premium banking service.

Cons

  • Benefit changes. It’s not uncommon for a popular benefit to be withdrawn without notice. You may find yourself committing to a high annual fee only to see the benefit you value most has been withdrawn at short notice, perhaps of just a month or two.
  • Annual fees. Unless you qualify for a fee waiver you could find that the annual fee charged to your account erases the real value of the lifestyle benefits.
  • Perks lack value. Carefully consider the benefits and perks on offer, as these can be presented as very valuable when, in practice, you don’t stand to save much money. Always make sure the dollar value of the benefits package outweighs any annual fee, or the benefits you sacrifice by not choosing a different card.

What to look out for

Always consider the real monetary value of the benefits that a lifestyle card offers. Never pay more in annual fees than the real value of the benefits you will receive. Though lifestyle benefits can appear attractive when added up, it’s the actual value you get throughout the year that’s important.

Keep in mind that lifestyle credit cards tend to charge higher interest rates. If you carry a balance on your credit card you should try to pay as little interest as possible which may require a different credit card. Don’t prioritise any lifestyle benefits a card may have over a low interest rate on a credit card.

Frequently asked questions

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