Rewards Credit Cards

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): 40000.000000000000000000000000000000

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Compare Rewards Credit Cards for 2019

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Name	Product	Welcome Offer	Reward	Annual Fee
Standard Chartered Unlimited Cashback Credit Card		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.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Rewards+ Credit Card		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.	Go to site More Info	Compare	loading Fetching your data...
HSBC Visa Platinum Card		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.	Go to site More Info	Compare	loading Fetching your data...
HSBC Revolution Credit Card		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.	Go to site More Info	Compare	loading Fetching your data...
HSBC Advance Credit Card		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.	Go to site More Info	Compare	loading Fetching your data...
Citi Cash Back Card		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	Go to site More Info	Compare	loading Fetching your data...
Citibank SMRT Card		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.	Go to site More Info	Compare	loading Fetching your data...
Citi Rewards Credit Card		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.	Go to site More Info	Compare	loading Fetching your data...
Citi PremierMiles Visa Card		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.	Go to site More Info	Compare	loading Fetching your data...
Citi Prestige Card		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.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered Spree Credit Card		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank Business Platinum Mastercard		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank eVibes Card - The Student 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.	Go to site More Info	Compare	loading Fetching your data...
Maybank Platinum Visa Card		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank Family & Friends Card		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank Manchester United Platinum Visa Card		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank DUO Platinum Mastercard		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank FC Barcelona Visa Signature Card		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank Visa Infinite Card		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank Horizon Visa Signature Card		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.	Go to site More Info	Compare	loading Fetching your data...
Standard Chartered NUS Alumni Platinum Credit Card		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.	Go to site More Info	Compare	loading Fetching your data...
Maybank World Mastercard		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.	Go to site More Info	Compare	loading Fetching your data...

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How do credit card rewards programs work?

Rewards credit cards usually earn you points for every S$1 spent on eligible transactions. When you have earned enough points, you can redeem them for rewards such as travel, flight upgrades, gift cards, cash back and merchandise.

Most rewards credit cards also have higher standard interest rates and annual fees than other options, because it costs lenders money to offer a rewards program. This makes it important to compare the potential costs against the value of a rewards card so you can decide if the benefits are worth it.

• What is an “eligible transaction”?

  The definition of an “eligible transaction” can vary depending on the credit card and rewards program, but it generally covers most of your everyday purchases, including spending at retail stores, supermarkets and petrol stations. Common exclusions are bill payments, cash advances, balance transfers, instalment payments and other account fees and charges including annual fees and late payment charges. Check the rewards program terms and conditions for a full list of exclusions so you know when you will and won’t earn rewards.

How can I use my credit card rewards?

The steps required to use your points to redeem rewards varies depending on the credit card and the rewards program. But there are a few key factors to remember:

• Account login. You must log in to your credit card account or rewards program account to make redemptions. Once you’re logged in, it’s usually a simple process of going to the “Rewards” section, then selecting “Use points” and following the prompts.
• Required points. Every reward option available for redemption has a specific point value (e.g. 12,000 points for a S$50 gift card). This means you need to have at least this amount of points in your account to redeem your chosen reward.
• Points-plus-pay. Some programs allow you to use a combination of points and money to redeem your chosen rewards. This gives you more flexibility if you haven’t earned enough points when you want to make redemptions.

Types of credit card rewards programs in Singapore

There are a variety of different rewards credit cards you can compare and choose based on the benefits you want.

• Frequent flyer programs
• Credit card rewards programs
• Cashback

How to compare reward credit cards in Singapore

Comparing credit cards helps you find the features that suit your lifestyle while also keeping costs affordable. Below, you’ll find a checklist of things to consider when you are comparing reward credit cards.

• Earning points

  • Points per dollar. The more points you earn per dollar spent, the greater the potential value. A good rule of thumb is to look for a card that offers at least 1 point per S$1 for most transactions.
  • Point expiry and caps. Some credit card reward points expire after a certain amount of time, and some accounts have a limit on how many points you can earn in a month or year.
  • Bonus point offers. Reward credit cards often have sign up deals that give you hundreds or thousands of bonus points. Usually these offers require you to spend a certain amount of money on the card in the first few months you have it. As these offers only last for a limited time, they should only be considered after you have a clear idea of the type of card you want so that you can get the most value out of the deal and the rewards card you choose.

• Redeeming points

  • Points values. To work out the value of your rewards, consider how many points it would take to redeem. For example, if you need 12,000 points to get a S$50 gift card and your credit card has an earn rate of 1 point per S$1 spent, you would have to spend S$12,000 make a redemption. Breaking down the rewards like this can help you determine whether it’s worth your time and money.
  • Rewards partners. Rewards programs often partner with retailers and businesses to provide you with a wider range of redemption options. You may also have the opportunity to earn bonus points when you shop with partner stores. Choose a credit card rewards program that has partnerships with your favourite brands and products so you can take advantage of these options.
  • Redemption limitations. Some reward programs have blackout periods when you may not be able to make redemptions. Check the fine print for this information and consider the impact it could have on you.

• Rates and fees

  • Annual fees. Most rewards credit cards charge an annual fee. The value of the rewards you earn should be equal to or more than the annual fee of a credit card.
  • Foreign transaction fees. Most credit cards apply a charge for transactions made overseas or with an international retailer online, usually worth 2% to 3.5% of the total transaction. Make sure you consider this fee before choosing a card – especially for any rewards card that offers more points for foreign transactions. You can compare cards with no foreign transaction fees with this guide.
  • Purchase rates. Rewards credit cards often have high standard interest rates. If you think you’ll carry a balance, consider how much interest your purchases will accrue and whether the rewards will outweigh the cost of your repayments.
  • Balance transfer rates. Some balance transfer credit cards also come with rewards. These cards allow you to move an existing debt to the new card and pay a low introductory interest rate on the balance. Usually, you won’t earn points for the balance that you transfer, and any new purchases will be charged interest at the purchase rate from the time the transaction is made. If you have credit card debt, it may be better to focus on paying it off completely before considering a rewards card.
  • Cash advance rate. If you use a rewards credit card for a cash advance transaction, such as getting money from an ATM, you will be charged interest at the cash advance rate, which could be as high as 22% p.a. Cash advances usually don’t earn reward points either.
  • Other fees. Rewards credit cards may come with a range of other fees, such as late payment and overlimit charges. Make sure you check these costs and factor them into your comparison so that you can choose a card that is affordable for you.

• Complimentary extras

  Rewards credit cards often come with a variety of additional features that can add value to the account you choose. Popular perks include:

  • International travel insurance
  • Airport lounge access
  • Complimentary flights
  • Hotel stays

  • Purchase protection insurance
  • Extended warranty coverage
  • Price match guarantees
  • Concierge services

Will a rewards credit card work for me?

The value of a rewards credit card depends as much on the cardholder as the actual card you choose. So rather than making a definitive statement about whether or not reward credit cards are valuable, let’s take a look at the key factors that make them likely or unlikely to work for you.

It’s worth noting that there are some exceptions to the guidelines above. If you can’t afford a high annual fee, for example, you might still get a lot of value out of a reward credit card with no annual fee. On the other hand, if you regularly use a credit card but also have a lot of debt, it might be better to switch to a balance transfer or low interest rate credit card so that you get value out of paying less interest.

While rewards credit cards can be a useful way to get something back for your purchases, it’s important to remember that you have to repay everything (plus interest). There are also annual fees and other costs to consider. But by factoring in both benefits and costs when you compare reward credit cards, you can find an option that suits your needs.

Frequently asked questions

Want to know more about rewards credit cards? Below, you’ll find answers to the most common questions we get about them. You can also leave your own question by filling out the form below.

• How can I view and manage my points?

  Most rewards programs allow you to to view your points through an online account centre. Usually, you need a membership number or username and password to log in. Once you’ve logged in, you should be able to view your points and redeem them for the desired rewards.

• Can I convert my points to frequent flyer points or rewards with another bank or program?

  Some credit card reward programs allow you to transfer points to frequent flyer programs, including American Express Membership Rewards, DBS Rewards and Citi Rewards. Other reward programs such as the Kris Flyer Rewards Program lets you earn and redeem points with partnered airlines and organisations. Read the terms and conditions or contact your rewards program provider directly to confirm where else you can earn and use your points.

• How many points will I need for a particular item or flight?

  The number of points you need depends on your credit card and the reward/s you want to redeem. For flights, most frequent flyer programs have a points calculator available on their website. If you enter your preferred route and ticket status, the calculator can determine how many points you’ll need to cover the flight.

  In regards to other types of rewards, most programs have an online catalogue that allows you to browse the rewards on offer and see how many points you need to redeem them.

• I've redeemed a reward with my points, but now I've changed my mind. Can I refund my points?

  This will depend on the credit card, but generally, you can’t refund rewards or points once the transaction has been made.

• How do I know which rewards program or rewards credit card is for me?

  As a financial comparison service, we don’t recommend any specific products. Instead, we provide you with the information you need to make an informed comparison and decision. When comparing rewards credit cards, consider your spending habits to determine whether the rewards you’ll receive will outweigh the costs of the card.