Best Credit Card for Expats

Best Credit Cards for Expats in Singapore

5 Credit Cards that Expats in Singapore Will Love


Living a new life – from your native country to Singapore – can be exciting. A “little red dot”, as many would call her, Singapore is a cosmopolitan and vibrant city that offers more than just clean spaces, well-lit roads and greenery. Mega shopping malls with international labels and local designer brands, state-of-the-art, modern condominiums, dining options from kobe beef to wanton noodles, gardens and entertainment centres of sorts. Small but well-equipped, it’s a city not difficult to adapt to given the captivating mix of culture and race.

One thing for sure, standard of living in Singapore isn’t that cheap. But like many other cities, there are many life hacks and secrets to saving a few extra bucks a day. Discounts, promotions, free gifts, many of which come with credit cards in Singapore, await you as you settle into the comfort of your new home here.

We’ve rounded up some credit cards you can consider as an expat in Singapore. They’re not created for the same purposes, and may very well make a good combination if you can apply for more than one card. These cards come with exclusive perks and discounts you can enjoy in Singapore, so keep an eye on them!


Credit CardBest for…
DBS Altitude Card
(AMEX & Visa)
Global butler service
UOB Miles AMEX PRVI Platinum CardHigh mile rate
AMEX True Cashback CardCashback
Standard Chartered Manhattan Credit CardLow credit line
HSBC Visa Platinum Credit CardPetrol

1. DBS Altitude (American Express & Visa) Card

Highlight: Global butler service


The DBS Altitude credit card (available as American Express or Visa) is a brilliant card for expats because of the plethora of DBS services. And of which is the global butler service!

This means that as a DBS Altitude credit cardholder, you get a personal butler. If you need assistance of sorts, the butler can come to your rescue anytime you want.

Additional info:

  • Global recognition (as VISA-branded card)
  • Dining privileges under American Express Selects
  • 1-year annual fee waiver (SGD $192.60 per year)
  • 10,000 bonus miles upon payment of annual fee
  • Complimentary travel insurance (SGD $1,000,000 coverage)

DBS Altitude Visa signature

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DBS Altitude American Express Card

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2. UOB Miles American Express PRVI Miles Card

Highlight: High mile rate

The UOB Miles American Express PRVI Miles Card is a good card if you are looking for a travel credit card to earn you miles. This card lets you earn 6 miles per S$1 spent on major airlines and hotels booked through Agoda, Expedia and UOB Travels! For any other local spend, you earn 2.4 miles per S$1, and 1.4 miles for every S$1 equivalent spent overseas.

Additional info:

  • Emergency assistance
  • Travel concierge service
  • Enjoy upgrades and VIP privileges with Visa Luxury Hotels Collection
  • Complimentary travel insurance (SGD $1,000,000 coverage)
  • UOB Privileges Passport allows you to enjoy up to 30% discount when you dine and shop in Australia, Bali, HongKong, Japan, Thailand and more

UOB PRVI Miles Card

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3. American Express True Cashback Card

Highlight: Cashback

You’re a winner with the American Express True Cashback Card. As the name suggests, cashback is yours as a cardholder – 3% cashback on all items, to be exact. Regardless of your preferred item (or service), you can get the cashback you need.

Additional info:

  • 1-year annual fee waiver (SGD $171.20 per year)
  • Enjoy 3% Cashback for the first 6 months up to S$5,000 spend
  • 1.5% Cashback on subsequent eligible purchases with no minimum spend and no earn cap
  • Dining privileges under American Express Selects
  • Eligible for use with Apple Pay

AMEX True Cashback Card

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4. Standard Chartered Manhattan Credit Card

Highlight: Low credit line

A factor that makes the Standard Chartered Manhattan a great, great card for expats is its low credit line. This means, it’s not relatively challenging to get approved for this even if you have bad credit history.

If you’ve suffered bankruptcy, or caused irrevocable damage to your credit profile, getting approval for other cards would be nearly impossible. With SC Manhattan credit card, however, bad credit isn’t an issue, at all.

Additional info:

  • 3% cashback (SGD $800 maximum per year)
  • 20% cashback on Uber fares
  • Complimentary Membership Starwood Preferred Gold
  • 1-year annual fee waiver (SGD $180 per year)

Standard Chartered Manhattan World MasterCard

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5. HSBC Visa Platinum Credit Card

Highlight: Petrol

The HSBC Visa Platinum Credit Card is an ideal card if you drive, as it has great deals on petrol that you can receive as a cardholder. Apart from the 16% discount that you can get, you can also get 5% cashback – at Shell and Caltex stations island-wide.

Additional info:

  • SGD $160 cashback as bonus gift
  • Discounts on health and beauty, shopping, restaurant dining, and travel (under the card’s Home and Away programme)
  • 5% cashback on telco bills and groceries
  • 2% cashback at restaurants
  • 2-year annual fee waiver (SGD $180 per year)

HSBC Visa Platinum

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Bottom Line

There are many other credit cards in Singapore which serves different purposes, such as online shopping or attractive cashback programmes. If you’re keen to find out about the other types of cards available, do read our other articles for more information.

SIGN-UP BONUS: Best Credit Card Sign up Promotion in Singapore 2017

CASHBACK: Best Cashback Credit Cards in Singapore 2017

ONLINE SHOPPING: Best Online Shopping Credit Cards in Singapore 2017

TRAVEL: Best Travel Credit Cards in Singapore 2017


Want to see more credit cards appropriate for you? See our list of the Best Credit Cards in Singapore to evaluate the most suitable card to apply.


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