The Best Credit Cards in Singapore, 2017

We’ve looked through all the credit cards in Singapore and distilled
them into these list of top cards for your easy comparison. Just pick your
preferred reward type to start.

BEST CARDS FOR DINING

Best Credit Card

Citi Cash Back Card

Citi, Cash Back Card
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on Citi's secure website

  • KEY BENEFITS

    • Grab: 8% cash back on all rides, all year long
    • Dining: 8% cash back at all F&B outlets worldwide, daily (food delivery counts too)
    • UberEATS: 20% cashback on all orders (from 20th Oct to 19th Dec 2017)
    • Groceries: 8% cash back at all supermarkets worldwide, daily (food delivery counts too)
    • Petrol: Up to 20.88% fuel savings at Esso & Shell (from now till 26th Dec get up to 22.72% fuel savings at shell), and 8% cash back at all other petrol stations worldwide

  • Annual Fee

    $ 192.60

  • Fee Waiver

    Waived for 1 year

AMEX Platinum Credit Card

AMEX, Platinum Credit Card
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on AMEX's secure website

  • KEY BENEFITS

    • Love Dining @ Hotels offers you Savings of up to 50%* on food bills for unlimited visits at selected 5 star hotels around Singapore.
    • Complimentary The Far Card Classic Membership (worth $425nett)
    • Enjoy Dining @ Restaurants privileges which offers up to 50% savings of food orders at a handpicked selection of popular restaurants.
    • Enjoy up to 40% off a la carte spa services at Adeva Spa and The Ultimate
    • Enjoy 1-for-1 and complimentary drinks at The Mad Men and a dozen other nightspots in Singapore
    • Earn a total of 2 Membership Rewards points for every S$1.60 spent.
    • Eligible for use with Apple Pay

  • Annual Fee

    $ 321

OCBC 365 Credit Card

OCBC, 365 Credit Card
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on OCBC's secure website

  • KEY BENEFITS

    • 6% cashback on local weekend dining
    • 3% cashback on local weekday dining & overseas dining worldwide
    • 3% cashback on online shopping
    • Up to 23.9% fuel savings at selected petrol stations
    • 5% cashback at all other petrol service stations
    • 3% cashback at supermarkets islandwide
    • 3% cashback on recurring telco bills
    • 0.3% cashback on all other spending
    • Additional benefit for CDA trustees: 3% cashback on medical spend

  • Annual Fee

    $ 192.60

  • Fee Waiver

    Waived for 2 years

UOB YOLO

UOB, YOLO
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on UOB's secure website

  • KEY BENEFITS

    • 8% cash rebate on weekend dining & entertainment
    • 3% cash rebate on weekday dining, entertainment & selected online spend
    • 0.3% all other spend
    • Complimentary access to Kyo

  • Annual Fee

    $ -

  • Fee Waiver

    Waived for -

BEST CASHBACK CARDS

Best Credit Card

HSBC Visa Platinum

HSBC, Visa Platinum
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on HSBC's secure website

  • KEY BENEFITS

    • 5% cash rebates on selected recurring bills (mobile/cable TV/internet)
    • Up to 5% cash rebates on petrol
    • Up to 16% instant discount at all Caltex and Shell stations on top of the cash rebates
    • Up to 5% cash rebates at local groceries stores and supermarkets
    • Up to 2% cash rebates on all food and beverage outlets (excluding hotel dining) in Singapore

  • Annual Fee

    $ 180

  • Fee Waiver

    Waived for 2 years, subsequent years waived with min annual spend of $12,500

AMEX True Cashback Card

AMEX, True Cashback Card
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on AMEX's secure website

  • KEY BENEFITS

    • Annual Fee of S$171.20 waived for the first 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
    • Eligible for use with Apple Pay

  • Annual Fee

    $ 171.20

  • Fee Waiver

    Waived for 1 year

Citi Cash Back Card

Citi, Cash Back Card
View Card Details

on Citi's secure website

  • KEY BENEFITS

    • Grab: 8% cash back on all rides, all year long
    • Dining: 8% cash back at all F&B outlets worldwide, daily (food delivery counts too)
    • UberEATS: 20% cashback on all orders (from 20th Oct to 19th Dec 2017)
    • Groceries: 8% cash back at all supermarkets worldwide, daily (food delivery counts too)
    • Petrol: Up to 20.88% fuel savings at Esso & Shell (from now till 26th Dec get up to 22.72% fuel savings at shell), and 8% cash back at all other petrol stations worldwide

  • Annual Fee

    $ 192.60

  • Fee Waiver

    Waived for 1 year

ANZ Optimum

ANZ, Optimum
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on ANZ's secure website

  • KEY BENEFITS

    • Choose a category every quarter for cash rebates
    • 5% cash rebate on Dining & Leisure, Travel, Shopping or Groceries everywhere.
    • No min spend, no limit on cash rebate
    • 1% rebate on all other spend

  • Rewards Rate

    5%

  • Annual Fee

    $ S$180

  • Fee Waiver

    Waived for 1 year

OCBC 365 Credit Card

OCBC, 365 Credit Card
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on OCBC's secure website

  • KEY BENEFITS

    • 6% cashback on local weekend dining
    • 3% cashback on local weekday dining & overseas dining worldwide
    • 3% cashback on online shopping
    • Up to 23.9% fuel savings at selected petrol stations
    • 5% cashback at all other petrol service stations
    • 3% cashback at supermarkets islandwide
    • 3% cashback on recurring telco bills
    • 0.3% cashback on all other spending
    • Additional benefit for CDA trustees: 3% cashback on medical spend

  • Rewards Rate

    Up to 6%

  • Annual Fee

    $ 192.60

  • Fee Waiver

    Waived for 2 years

SC Unlimited Cashback Credit Card

SC, Unlimited Cashback Credit Card
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on SC's secure website

  • KEY BENEFITS

    • 1.5% cashback on all spending
    • No cashback cap, no minimum spend
    • Can be used as ez-link card

  • Annual Fee

    $ 192.60

  • Fee Waiver

    Waived for 2 years

UOB One Card

UOB, One Card
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on UOB's secure website

  • KEY BENEFITS

    • Up to 5% rebate on all spend
    • Up to 3.33% rebate for spend below S$2,000
    • Additional rebates with up to 20% SMART$ rebate
    • Faster checkout with Visa payWave
    • Up to 3.33% interest p.a. on savings in UOB One Account with min $500/mth

  • Rewards Rate

    Up to 5%

  • Annual Fee

    $ 128.40

  • Fee Waiver

    Waived for 1 year

BEST TRAVEL CARDS FOR 2016

Best Credit Card

AMEX SIA KrisFlyer Credit Card

AMEX, SIA KrisFlyer Credit Card
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on AMEX's secure website

  • KEY BENEFITS

    • 1.1 KrisFlyer miles for every S$1 spend
    • 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December
    • Receive S$150 Cashback for use on your next purchase on singaporeair.com when you spend S$12,000 on eligible purchases with your Card from 1 July 2017 till 30 June 2018

  • Annual Fee

    $ 176.55

  • Fee Waiver

    Waived for 1 year

Citi PremierMiles Visa Card

Citi, PremierMiles Visa Card
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on Citi's secure website

  • KEY BENEFITS

    • Earn up to 10 Citi Miles per S$1 spent on online travel bookings
    • Earn 2 Citi Miles with every S$1 spent overseas
    • Miles can be redeemed with over 60 airlines including SIA Krisflyer, Asia Miles, Thai Airways, Malaysia Airlines via participating Frequent Flyer
    • Miles can also be redeemed with over 8,000 hotel properties via Hotel Loyalty Programs
    • Miles never expire

  • Annual Fee

    $ S$192.60

  • Fee Waiver

    Waived for -

DBS Altitude American Express Card

DBS, Altitude American Express Card
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on DBS's secure website

  • KEY BENEFITS

    • 3 miles per S$1 spend
    • Points never expire

  • Annual Fee

    $ -

  • Fee Waiver

    Waived for -

OCBC Voyage

OCBC, Voyage
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on OCBC's secure website

  • KEY BENEFITS

    • Miles redeemable on all airlines
    • Miles never expire
    • 2 complimentary visits per year to premium lounges

  • Annual Fee

    $ -

  • Fee Waiver

    Waived for -

BEST CARDS FOR ONLINE SHOPPING

Best Credit Card

Citi Rewards

Citi, Rewards
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on Citi's secure website

  • KEY BENEFITS

    • Earn 10X Rewards (10 Rewards Points or 4 Miles for every S$1 spent) on shopping - locally, overseas or online
    • Redeem Rewards points for anything you like - Miles, Shopping or Dining Vouchers or Cash Rebate.
    • Up to 30% off Online Shopping at ZALORA, Luxola, Klareti, ShopBack and more
    • Reward points valid for 5 years

  • Annual Fee

    $ S$192.60

  • Fee Waiver

    Waived for 1 year

AMEX CapitaCard

AMEX, CapitaCard
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on AMEX's secure website

  • KEY BENEFITS

    • Earn 5 STAR$ for every S$1 spent at CapitaLand Malls
    • Complimentary parking (3 hours) with S$1200 spend in a month
    • Great for people who frequent CapitaLand Malls
    • STAR$ can be easily redeemed for CapitaVouchers (5,000 stars = S$5 voucher)

  • Annual Fee

    $ 171.20

  • Fee Waiver

    Waived for 1 year

HSBC Revolution Card

HSBC, Revolution Card
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on HSBC's secure website

  • KEY BENEFITS

    • 5x Rewards on online transactions
    • 5x Rewards on local dining transactions
    • 5x Rewards on local entertainment transactions
    • 1x Rewards on all other spend

  • Annual Fee

    $ 150

  • Fee Waiver

    Waived for 2 years, subsequent years waived with min annual spend of $12,500

OCBC Frank Credit Card

OCBC, Frank Credit Card
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on OCBC's secure website

  • KEY BENEFITS

    • 6% online shopping rebate
    • 2% Apple online store rebate
    • Up to 5% entertainment rebate
    • Up to $60 in rebates per month with min spend of $400
    • 3% rebate on the first 2 NETS FlashPay ATU
    • 0.3% rebates on all other spends
    • $50 cash when you credit your salary into FRANK account

  • Annual Fee

    $ 80

  • Fee Waiver

    Waived for 2 years

SC Spree Credit Card

SC, Spree Credit Card
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on SC's secure website

  • KEY BENEFITS

    • $60 cashback cap (on par with highest in the market)
    • No min spend for cashback
    • 3% cashback on selected online merchants (Amazon, taobao, ASOS, aliexpress)
    • 3% cashback on vPost spends
    • 2% cashback on all online spends (inclusive mobile and contactless)
    • 1% cashback on all other spends

  • Annual Fee

    $ 180

  • Fee Waiver

    Waived for 2 years

About Credit Cards in Singapore