Editor’s Note: All content and information in this article are accurate as of published time.
Looking for the best new credit card sign up promotion or the best credit card deals available in Singapore? You are at the right place, because just like you, we have been through the thought process of choosing the best credit card in Singapore to sign up for. Besides the benefits, card features and annual fee you’ll have to pay attention to, you may also get dazzled by the welcome bonus offers mcitany card companies give if you sign up for their cards. It’s a brilliant marketing tactic to hype interest and attract potential card applicants. Not only does it benefit the card companies when more consumers sign up for their credit cards, consumers stand to gain from these sign up welcome offers and subconsciously get persuaded to use their new cards as soon as possible.
With amazing sign up promotions as part of the deal, it’s a win-win for both parties. If you’re reading this, we’re assuming you are already browsing the market for a new card. Whichever card you have in mind, it doesn’t pay to take a look at the table we have done up below, and see whether any of the sign up bonus offers appeal to you. They come all forms – cashback, rebates, miles and even free luggage. Perhaps a pleasant surprise awaits you!
Note: The below offers are for new-to-bank customers only, unless otherwise stated.
Here are credit cards with amazing free sign-up promotions you should keep an eye on:
Free cash back and gifts sign up offers
The below offers are for new-to-bank customers only. Do note that for some of the banks, you have the option to choose between cash or a gift.
| CARD | DETAILS | |
 | Standard Chartered Unlimited Cashback Card (Cashback Card) |
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 | Standard Chartered Spree Card (Cashback Card) |
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 | Standard Chartered Rewards+ Card (Reward points Card) |
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 | Standard Chartered Platinum Visa/Mastercard (Reward points Card) |
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 | Citi Cash Back Card (Cashback Card) |
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 | Citi Cashback+ Mastercard® (Cashback Card) |
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 | Citi Rewards Card (Rewards Card) |
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 | HSBC Advance Credit Card (Cashback Card) |
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 | HSBC Visa Platinum Card (Cashback Card) |
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 | Maybank Horizon Visa Signature Card (Miles Card) |
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 | CIMB Visa Signature Card (Cashback Card) |
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 | CIMB Visa Infinite Card (Cashback Card) |
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*MyInfo is an e-citizen service that allows you to save time on online form filling and transactions by automatically filling out government/bank e-forms.
^Sign-up gift will be fulfilled by SingSaver. T&Cs apply. Read more here.
+ COF stands for Cash on File transaction where the merchant is authorised by the cardholder to store payment details. Selected merchants eligible under this promotion are: Streaming services (Netflix, Disney+, VIU SG, Spotify, HBO Go, iQiyi SG) and E-commerce (Taobao, Ezbuy, Shopee, Lazada, Qoo10).
Free Air Miles sign up offers
The below offers are for new-to-bank customers only. Discounting Citibank Prestige card which is in it’s own high-net-worth category, the Citibank Premier miles credit card gives the highest bonus miles if you are able to spend a minimum of S$10K within the first 3 months.
| CARD | DETAILS | |
 | Citi PremierMiles Card (Miles Card) |
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 | Citibank Prestige Card (Miles Card) |
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 | American Express Singapore Airlines KrisFlyer Credit Card (Miles Card) |
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 | American Express Singapore Airlines KrisFlyer Ascend Credit Card (Miles Card) |
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Free gifts sign up offers
The below offers are for new-to-bank customers only. The American Express Platinum Credit Card sits in the premium range, but it provides a ton of sign up benefits if you can hit the minimum requirements. The newly launched Citibank Lazada offers some nice sign-up deals too, especially if you are a frequent shopper of Lazada and RedMart!
| CARD | DETAILS | |
 | American Express True Cashback Card (Cashback Card) |
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 | American Express Platinum Credit Card (Reward Points Card) |
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 | Citibank Lazada Visa Credit Card |
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Free Cashback/Luggage sign up offers
The below offers are for new-to-bank customers only. Do note that for most HSBC Credit cards, HSBC has replaced the free luggage offer with cashback or shopping vouchers! You can check out our dedicated free luggage article for a deep dive!
| CARD | DETAILS | |
| HSBC Advance Credit Card (Cashback Card) |
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 | HSBC Revolution Credit Card (Reward points Card) |
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| HSBC Visa Platinum Credit Card (Cashback Card) |
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Offers for Existing Customers of Banks
The above offers are for new-to-bank customers only. Are you an existing customer one of the banks below but seeking for sign up promotions when signing up for new cards with them? Here’s a list of deals.
| CARD | DETAILS | |
| HSBC Advance Credit Card (Cashback Card) |
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| | Citi PremierMiles Card (Miles Card) |
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| Standard Chartered Rewards+ Card (Reward points Card) |
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^Sign-up gift will be fulfilled by SingSaver. T&Cs apply. Read more here.
We hope you found our summary useful, and as always, please do check out the terms & conditions on the respective bank’s page using the handy links provided above to ensure you get the sign up gifts you want!
Having trouble deciding which card to go for? In this next section, we will deep dive into some of our top picks for you.
1. American Express Singapore Airlines KrisFlyer Credit Card
Never owned an American Express credit card before? We reckon the latest welcome offer will appeal to you if you are new to American Express! It doesn’t stop here.
The AMEX SIA KrisFlyer card is known for its convenience in miles accumulation as there is no need for conversion (i.e. no conversion fee too) to your KrisFlyer account. Simply link your KrisFlyer account to your bank account so that the miles you earn can be automatically credited to your KrisFlyer account. No downtime at all!
Cardable has done a more comprehensive review on the AMEX SIA KrisFlyer Credit Card if you would like to find out more!
2. Citi Rewards Card
The Citi Rewards Card allows you to earn 10X Rewards when you shop for clothes, bags, shoes or at department stores and online sites. There are also exclusive discounts for selected online merchants. If you’re looking for a card to cover your shopping expenses, this may be a good one to consider.
3. UOB PRVI Miles Visa Card
Looking for a credit card to earn more air miles? Travel in style with the UOB PRVI Miles Visa Card as you get to enjoy exclusive discounts with the Visa Luxury Hotels Collection. Earn more miles on transactions with major airlines, hotels and travel booking sites!
4. HSBC Visa Platinum Credit Card
The HSBC Visa Platinum Credit Card is one card that aims to give you more savings on daily expenses, such as utilities and telco bills, groceries, petrol and even dining discounts! We think this makes a great family card for you and your spouse if you’re looking for a card to settle your recurring bill payments as well as necessities for the family.
5. Standard Chartered Unlimited Cashback Card
The StanChart Unlimited Cashback Card had previously garnered quite a bit of attention with its feature on unlimited cashback a cardholder can earn without any minimum spend. This serves as a great all-in-one card! Not only can you use it as an EZ-link card, you also earn 1.5% cashback on anything you transact with the card, along with the amazing dining deals that come with the card. Read our full review of the Standard Chartered Unlimited Cashback Credit Card for a more complete picture.
We all love some sort of free gifts
As consumers, we’re all attracted by promotions and benefits. We commend the effort put in by card companies as we have to admit that it is pretty effective in capturing attention.
With bonus offers upon sign up, customers are getting more out of the deal. This also sends out a feel-good message; it makes customers feel welcome right from the beginning and they may anticipate more promising offers from the credit card company.
More importantly, the sign up promotion of credit cards can weigh in on an important decision: Which should be the credit card for you? If you prefer a particular bonus offer (such as free luggage), don’t hesitate to check out credit card promotions that come with that bonus offer.
While sign up bonus offers are worth considering when you apply for a credit card, the features of a particular credit card are even more important. As you take note of the bonus offers, make sure you don’t lose sight of how the credit card can add value to your lifestyle and spending habits.
Do you look out for sign up promotions before you apply for a credit card? What are some of your best promotions in your opinion? If you have something to add to the line-up, do let us know via the comments section below!
Enjoyed this article? You may be interested to read more of our credit card review articles!
