Best Agoda Credit Card Promotions 2021

Many credit cards reward overseas spend with high miles–or even cashback–rates. However, overseas spending is just one part of a vacation. Planning your trip often involves booking a hotel and flight as well. Fortunately, Agoda partners with many banks in Singapore to offer special discounts on travel and accommodations worldwide. We continuously monitor these promotions and have provided the details here for you. We've also identified, analysed and reviewed the absolute best qualifying credit cards that can complement both your travels and your daily lifestyle.

Best DBS & POSB Credit Card with Agoda Promotions
Best American Express Credit Cards with Agoda Promotions
Best OCBC Credit Cards with Agoda Promotions
  • OCBC 365: 6% rebate on dining, 3% rebate on groceries, utilities and travel, Visa Concierge Services
  • OCBC 90°N: Unlimited cashback + miles & annual renewal bonus
Best Standard Chartered Credit Card with Agoda Promotions
Best UOB Credit Cards with Agoda Promotions
  • KrisFlyer UOB: 3mi/S$1 on dining, transport, shopping & travel
  • UOB PRVI Miles Amex: Fee-Waiver + 20k bonus miles, 2.4 miles per $1 overseas
  • UOB YOLO: Rebates on online and contactless spend with easy fee-waiver
  • UOB One: Highest flat rebate on the market, earn up to $300/qtr
Best HSBC Credit Cards with Agoda Promotions
Best Maybank Credit Cards with Agoda Promotions
Best CIMB Credit Cards with Agoda Promotions
  • CIMB Visa Infinite: Unlimited 2% cashback on travel, overseas and online spend in foreign currencies
  • CIMB Platinum MC: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month

Compare the Best Credit Cards with Agoda Promotions in Singapore by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards with Agoda promotions compare to one another in terms of their rewards
Best Credit Cards with Agoda Promotions in Singapore by Estimated 2-Year Dollar Value
Best DBS & POSB Card w/ Agoda Promotions Best Amex Cards w/ Agoda Promotions Best OCBC Cards w/ Agoda Promotions Best SC Card w/ Agoda Promotions Best UOB Cards w/ Agoda Promotions Best HSBC Cards w/ Agoda Promotions Best Maybank Cards w/ Agoda Promotions Best CIMB Cards w/ Agoda Promotions

Compare Credit Cards with Agoda Promotions by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards with Agoda promotions compare to one another in terms of their rewards
Best Credit Cards with Agoda Promotions in Singapore by Estimated 2-Year Dollar Value

DBS & POSB Agoda Credit Card Promotion (Oct 2021):

Best Current Agoda Promotion:Final Booking Date:
7% off worldwide and additional 15% off local staycationFor worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021

In order to take advantage of DBS & POSB's current Agoda credit card promotion, you'll need to pay for your booking with a DBS or POSB credit card through a dedicated Agoda landing page (usually the homepage + /dbs) or, in some cases, through the Agoda app (scan a QR code from Agoda's desktop site to deposit the coupon, then apply the coupon at checkout). If you're looking for a great DBS travel card, consider the option below.

DBS Altitude Visa: Affordable Perks w/ Booking Bonus

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000/year and receive annual fee waiver + 10,000 bonus miles
  • 1.2 miles per S$1 locally, 2 miles overseas
  • 3 miles per S$1 spend on online shopping, online flight and hotel transactions
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
DBS Altitude Visa Card is the best card on the market for travellers with moderate budgets who want to enjoy top perks without paying an annual fee. Cardholders earn a reasonably competitive 1.2 miles per S$1 locally and 2 miles overseas. Rates are boosted to 3 miles per S$1 (capped at 15,000 miles) for spend on online & hotel transactions with merchants like Singapore Air, Cathay Pacific, Qatar Airways, AirBnB, Expedia, and–of course–Agoda. Miles never expire, so cardholders can save up for their next big trip.


DBS Altitude Card also stands out for its great perks. Cardholders enjoy benefits often limited to more expensive cards, like 2 free lounge visits/year, discounted green fees, lifestyle privileges via Visa Digital Concierge and complimentary travel insurance. DBS Altitude, however, has a quite moderate S$192.6 fee which is waived completely with S$25k annual spend (about S$2,083/month). Those with lower spend who pay the fee receive 10,000 bonus miles (worth S$100) which offset its cost. Overall, travellers looking for affordable perks and boosted miles for bookings can benefit greatly from DBS Altitude Visa Card.

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000/year and receive annual fee waiver + 10,000 bonus miles
  • 1.2 miles per S$1 locally, 2 miles overseas
  • 3 miles per S$1 spend on online shopping, online flight and hotel transactions
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)

DBS Altitude Visa Card is the best card on the market for travellers with moderate budgets who want to enjoy top perks without paying an annual fee. Cardholders earn a reasonably competitive 1.2 miles per S$1 locally and 2 miles overseas. Rates are boosted to 3 miles per S$1 (capped at 15,000 miles) for spend on online & hotel transactions with merchants like Singapore Air, Cathay Pacific, Qatar Airways, AirBnB, Expedia, and–of course–Agoda. Miles never expire, so cardholders can save up for their next big trip.


DBS Altitude Card also stands out for its great perks. Cardholders enjoy benefits often limited to more expensive cards, like 2 free lounge visits/year, discounted green fees, lifestyle privileges via Visa Digital Concierge and complimentary travel insurance. DBS Altitude, however, has a quite moderate S$192.6 fee which is waived completely with S$25k annual spend (about S$2,083/month). Those with lower spend who pay the fee receive 10,000 bonus miles (worth S$100) which offset its cost. Overall, travellers looking for affordable perks and boosted miles for bookings can benefit greatly from DBS Altitude Visa Card.

American Express Agoda Credit Card Promotion (Oct 2021):

Best Current Agoda Promotion:Final Booking Date:
6% off accommodations in Singapore and worldwideBook by Dec. 31, 2021

American Express cardholders can enjoy the current promotion by visiting Agoda's designated landing page (usually the homepage + /amex), selecting their preferred dates and then choosing an option with a "promo eligible" tag. Consumers must use their Amex card at the payment page to take advantage of the discount. If you're interested in an Amex card that offers miles and perks to complement your travels, consider the options below.

American Express Singapore Airlines Krisflyer: Beginner Miles Card

  • Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: New to Bank applicants will receive a complimentary 1 Night stay at Andaz Singapore with Breakfast for 2 and 5,000 bonus miles with S$3,000 spend within first 3 months of Card approval and receive 5,000 bonus miles.
  • Read Our Full Review
  • Annual fee: S$176.55 (first year- waived)
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
If you're a SIA loyalist looking for a great "starter" miles card, you should definitely consider American Express Singapore Airlines KrisFlyer Card. Cardholders earn directly in KrisFlyer miles, so there's no need to worry about conversion fees or processing times. In terms of actual rates, consumers earn 1.1 KrisFlyer miles per S$1 general spend, boosted to 2 miles for select overseas spend (in June & December only) as well as for online purchases made with SingaporeAir and KrisShop. Cardholders earn an even higher 3.1 miles per S$1 spend on Grab transactions (up to 620 miles/month). These miles rates are complemented by perks like free travel insurance and Hertz Gold rental car privileges. Overall, Amex's Agoda promotion offers consumers a great way to save on hotel bookings, while Amex SIA KF Card provides straightforward miles for booking an accompanying SIA flight.
  • Stand-Out: Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: New to Bank applicants will receive a complimentary 1 Night stay at Andaz Singapore with Breakfast for 2 and 5,000 bonus miles with S$3,000 spend within first 3 months of Card approval and receive 5,000 bonus miles.
  • Read Our Full Review
  • Annual fee: S$176.55 (first year- waived)
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges

If you're a SIA loyalist looking for a great "starter" miles card, you should definitely consider American Express Singapore Airlines KrisFlyer Card. Cardholders earn directly in KrisFlyer miles, so there's no need to worry about conversion fees or processing times. In terms of actual rates, consumers earn 1.1 KrisFlyer miles per S$1 general spend, boosted to 2 miles for select overseas spend (in June & December only) as well as for online purchases made with SingaporeAir and KrisShop. Cardholders earn an even higher 3.1 miles per S$1 spend on Grab transactions (up to 620 miles/month). These miles rates are complemented by perks like free travel insurance and Hertz Gold rental car privileges. Overall, Amex's Agoda promotion offers consumers a great way to save on hotel bookings, while Amex SIA KF Card provides straightforward miles for booking an accompanying SIA flight.

American Express Singapore Airlines Krisflyer Ascend Card: Exclusive Membership Upgrades

  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
While American Express Singapore Airlines KrisFlyer Ascend Card offers competitive rates and a wide range of exclusive travel perks, it costs considerably less than a typical luxury card. Cardholders earn 1.2 miles per S$1 spend, 2 miles on SIA brands and overseas in June & December), and 3.2 miles on Grab transactions (up to 640 mi/mo). While these rates favor SIA loyalists, all cardholders can enjoy perks like 4 free lounge visits/year, 1 free hotel night/year, complimentary travel insurance & upgraded Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus Rewards membership statuses.


Most travel cards with similar rates and benefits cost S$450+ per year, but Amex SIA KF Ascend Card's annual fee is just S$337.05. Even better, cardholders who spend SS$10k in the first 3 months can earn up to 21,500 bonus miles (5k miles on first purchase, 16k after S$10k spend, and 500 with the 1st Grab transaction). This bonus is worth about S$215–offsetting more than half of the annual fee. Overall, SIA loyalists who prioritise luxury perks can maximise rewards–and upfront bonus miles–with Amex SIA KF Ascend Card.

  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status

While American Express Singapore Airlines KrisFlyer Ascend Card offers competitive rates and a wide range of exclusive travel perks, it costs considerably less than a typical luxury card. Cardholders earn 1.2 miles per S$1 spend, 2 miles on SIA brands and overseas in June & December), and 3.2 miles on Grab transactions (up to 640 mi/mo). While these rates favor SIA loyalists, all cardholders can enjoy perks like 4 free lounge visits/year, 1 free hotel night/year, complimentary travel insurance & upgraded Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus Rewards membership statuses.


Most travel cards with similar rates and benefits cost S$450+ per year, but Amex SIA KF Ascend Card's annual fee is just S$337.05. Even better, cardholders who spend SS$10k in the first 3 months can earn up to 21,500 bonus miles (5k miles on first purchase, 16k after S$10k spend, and 500 with the 1st Grab transaction). This bonus is worth about S$215–offsetting more than half of the annual fee. Overall, SIA loyalists who prioritise luxury perks can maximise rewards–and upfront bonus miles–with Amex SIA KF Ascend Card.

OCBC Agoda Credit Card Promotion (Oct 2021):

Best Current Agoda Promotion:Final Booking Date:
7% off accomodation worldwideBook by Dec.31, 2021

The Agoda promotion offer above applies only to consumers who book through a dedicated URL (typically Agoda's homepage + /ocbc) or via mobile site or app. Consumers must then select a hotel labelled with a "Promo Eligible" banner and pre-pay for their stay with an OCBC credit card. Discounts cannot be transferred to non-cardholders and the promotion cannot be stacked with other rewards items. If you're interested in an OCBC credit card, you may want to consider the competitive options we've reviewed below.

OCBC 365 Card: Everyday Rebates w/ Easy Fee-Waiver

  • Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000)
  • 6% rebate on local, overseas dining & online food delivery
  • 3% rebate on local, overseas and online groceries
  • 3% rebate on land transport, utilities (telco and electricity bills) & online travel
  • 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso)
  • 0.3% cashback on all other spend
  • Visa Signature Privileges
OCBC 365 Card is the absolute best no-fee everyday card for average consumers. Cardholders earn at competitive rates across a variety of key spending categories: 6% rebate on dining (including online food delivery), 5% on petrol (additional boost on top of promotional rates), and 3% on groceries, land transport (Grab, Gojek, ComfortDelGro & more), and even recurring telco & electricity bills. Travellers can also enjoy 3% rebate on all online spend made at travel merchants, including airlines, attractions bookings, and hotel bookings (such as those made through Agoda).


In order to access these rates, cardholders must spend S$800/month. However, spending just a bit more at S$833/month can unlock an annual fee waiver (requires S$10k annual spend). In addition, cardholders can ultimately earn up to S$80/month, adding up to S$960 in rewards every year. Overall, OCBC 365 Card is great for consumers with a budget of about S$1k+ seeking rewards on their daily spend.

  • Stand-Out: High travel & dining cashback plus exclusive travel deals
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000)
  • 6% rebate on local, overseas dining & online food delivery
  • 3% rebate on local, overseas and online groceries
  • 3% rebate on land transport, utilities (telco and electricity bills) & online travel
  • 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso)
  • 0.3% cashback on all other spend
  • Visa Signature Privileges

OCBC 365 Card is the absolute best no-fee everyday card for average consumers. Cardholders earn at competitive rates across a variety of key spending categories: 6% rebate on dining (including online food delivery), 5% on petrol (additional boost on top of promotional rates), and 3% on groceries, land transport (Grab, Gojek, ComfortDelGro & more), and even recurring telco & electricity bills. Travellers can also enjoy 3% rebate on all online spend made at travel merchants, including airlines, attractions bookings, and hotel bookings (such as those made through Agoda).


In order to access these rates, cardholders must spend S$800/month. However, spending just a bit more at S$833/month can unlock an annual fee waiver (requires S$10k annual spend). In addition, cardholders can ultimately earn up to S$80/month, adding up to S$960 in rewards every year. Overall, OCBC 365 Card is great for consumers with a budget of about S$1k+ seeking rewards on their daily spend.

OCBC 90°N Card: Flexible Redemption: Miles or Cashback

OCBC 90°N Card
OCBC 90°N Card
  • Annual fee: S$192.60 (first year - waived)
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
OCBC 90°N Card primarily stands out for its versatility. Cardholders earn rewards in the form of Travel$, which can then be redeemed for S$0.01 cash rebate or 1 air mile at a 1-to-1 ratio. As such, consumers earn at a rate equal to unlimited 1.2% cashback locally & 2.1% overseas or 1.2 miles per S$1 locally and 2.1 miles overseas. In either case, OCBC 90°N Card's overseas rate is quite competitive–higher than any other unlimited cashback rate in foreign currency and slightly above the market standard of 2 miles/S$1 amongst travel cards. As a bonus, there are no conversion fees or point devaluations based on redemption type. This makes it easy for cardholders to seamlessly switch between rewards types without losing out on value or taking on extra costs.


OCBC 90°N Card also offers an attractive 10,000 Travel$ annual bonus, which can be redeemed for S$100 cash rebate of 10,000 air miles. This offsets more than half of the S$192.6 fee. If you're interested in a flexible and affordable credit card and don't want to commit to just cashback or miles, OCBC 90°N Card might be right for you.

OCBC 90°N Card
OCBC 90°N Card
  • Annual fee: S$192.60 (first year - waived)
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences

OCBC 90°N Card primarily stands out for its versatility. Cardholders earn rewards in the form of Travel$, which can then be redeemed for S$0.01 cash rebate or 1 air mile at a 1-to-1 ratio. As such, consumers earn at a rate equal to unlimited 1.2% cashback locally & 2.1% overseas or 1.2 miles per S$1 locally and 2.1 miles overseas. In either case, OCBC 90°N Card's overseas rate is quite competitive–higher than any other unlimited cashback rate in foreign currency and slightly above the market standard of 2 miles/S$1 amongst travel cards. As a bonus, there are no conversion fees or point devaluations based on redemption type. This makes it easy for cardholders to seamlessly switch between rewards types without losing out on value or taking on extra costs.


OCBC 90°N Card also offers an attractive 10,000 Travel$ annual bonus, which can be redeemed for S$100 cash rebate of 10,000 air miles. This offsets more than half of the S$192.6 fee. If you're interested in a flexible and affordable credit card and don't want to commit to just cashback or miles, OCBC 90°N Card might be right for you.

Standard Chartered Agoda Credit Card Promotion (Oct 2021):

Best Current Agoda Promotion:Final Booking Date:
7% off hotel bookings worldwideValid until June 30, 2022

Standard Chartered cardholders can typically take advantage of one–if not more–Agoda promotions. Consumers simply must use a valid SC credit card number to pre-pay for a booking through a designated landing page on Agoda (typically the homepage + /sc). Only hotels marked with a "Promo Eligible" tag are eligible. However, all SC Mastercard and Visa credit cards issued in Singapore are typically eligible for Agoda promotions. If you're a frequent traveller looking for a SC credit card that will enable you to enjoy special travel perks and promotions, consider the option below.

Standard Chartered Visa Infinite X: Up to 300k Welcome Miles

Standard Chartered Visa Infinite X Credit Card
Standard Chartered Visa Infinite X Credit Card
  • Receive S$6,000 cash reward for investing w/ SC Bank
  • Promotions: New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)
  • Read Our Full Review
  • Annual fee: S$695.50
  • 1.2 miles (3pts) per S$1 local spend
  • 2 miles (5pts) per S$1 overseas spend
  • 2 complimentary visits to Priority Pass lounges
  • Complimentary travel insurance
  • 0% Interest Instalment Plan
Very affluent individuals with large sums free for investment can accrue more bonus miles upfront with Standard Chartered Visa Infinite X Card than with any other card on the market. Cardholders who place S$300k in fresh funds in an SC Priority Banking account receive an incredible 100k KrisFlyer bonus miles (worth about S$10k when redeemed for business class tickets), and those who place S$800k receive 150k miles (worth S$15k). Priority Private Banking customers who place S$1.5m earn 300,000 bonus miles (worth S$30k). Consumers who can readily place such amounts can easily accrue more bonus miles with SC Visa Infinite X Card than they could with other luxury cards over 20+ years.


These upfront miles can also easily offset the admittedly high and unwaivable S$695.5 annual fee. And, even after achieving the bonus, cardholders can continue to earn 1.2 miles per S$1 spend locally and 2 miles overseas. Ultimately, SC Visa Infinite X Card is ideal for the most affluent travellers with funds to spare for immediate investment.

Standard Chartered Visa Infinite X Credit Card
Standard Chartered Visa Infinite X Credit Card
  • Stand-Out: Receive S$6,000 cash reward for investing w/ SC Bank
  • Promotions: New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)
  • Read Our Full Review
  • Annual fee: S$695.50
  • 1.2 miles (3pts) per S$1 local spend
  • 2 miles (5pts) per S$1 overseas spend
  • 2 complimentary visits to Priority Pass lounges
  • Complimentary travel insurance
  • 0% Interest Instalment Plan

Very affluent individuals with large sums free for investment can accrue more bonus miles upfront with Standard Chartered Visa Infinite X Card than with any other card on the market. Cardholders who place S$300k in fresh funds in an SC Priority Banking account receive an incredible 100k KrisFlyer bonus miles (worth about S$10k when redeemed for business class tickets), and those who place S$800k receive 150k miles (worth S$15k). Priority Private Banking customers who place S$1.5m earn 300,000 bonus miles (worth S$30k). Consumers who can readily place such amounts can easily accrue more bonus miles with SC Visa Infinite X Card than they could with other luxury cards over 20+ years.


These upfront miles can also easily offset the admittedly high and unwaivable S$695.5 annual fee. And, even after achieving the bonus, cardholders can continue to earn 1.2 miles per S$1 spend locally and 2 miles overseas. Ultimately, SC Visa Infinite X Card is ideal for the most affluent travellers with funds to spare for immediate investment.

UOB Agoda Credit Card Promotion (Oct 2021):

Best Current Agoda Promotion:Final Booking Date:
20% off accommodation bookingsBook by Mar.31, 2021

UOB's Agoda credit card promotions can be accessed by booking online on Agoda's dedicated landing page (typically the homepage + /uob) or via Agoda's mobile app. Consumers simply most search for bookings marked with "Promo Eligible" then pre-pay for their stay using their UOB Singapore-issued credit card. As with nearly all Agoda promotions, discounts cannot be stacked and promotional rates to not apply to local taxes, service fees or other additional charges. You can take advantage of UOB's Agoda promotions–while also maximising rewards from your daily spend–with the great credit cards we've reviewed below.

KrisFlyer UOB Credit Card: Boosted Book Miles for SIA Loyalists

  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)
If you're a young traveller on a budget willing to fly exclusively with SIA, you should definitely consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 general local and overseas spend, and 3 miles per S$1 for transactions with SIA, SilkAir, Scoot and KrisShop. Those who spend at least S$500 with SIA in a year unlock a boosted 3 miles per S$1 on global dining & online food delivery, transport, online shopping & travel bookings–including through Agoda. As a result, you can easily earn miles at home as well as every step of the way of your vacation planning process.


Cardholders also enjoy convenient and practical perks. To begin with, consumers receive special privileges with Scoot–SIA's low cost carrier–such as priority check-in & boarding, no-fee standard seat selection, baggage allowance upgrades and booking flexibility waivers. Consumers receive a S$20 KrisShop rebate with a S$100+ nett shop transaction and S$15 vouchers both for Grab trips to Changi airport and for ChangiWiFi. While KF UOB Card doesn't offer any of the typical luxury perks, cardholders who spend S$5k/year with SIA receive an upgrade to KrisFlyer Elite Silver Status. However, all cardholders–regardless of their budgets–are entitled to 10,000 annual renewal miles (worth about S$100). This bonus offsets more than half of the S$192.6 fee, making KrisFlyer UOB Card an excellent, affordable option for young SIA-loyal travellers.

  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)

If you're a young traveller on a budget willing to fly exclusively with SIA, you should definitely consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 general local and overseas spend, and 3 miles per S$1 for transactions with SIA, SilkAir, Scoot and KrisShop. Those who spend at least S$500 with SIA in a year unlock a boosted 3 miles per S$1 on global dining & online food delivery, transport, online shopping & travel bookings–including through Agoda. As a result, you can easily earn miles at home as well as every step of the way of your vacation planning process.


Cardholders also enjoy convenient and practical perks. To begin with, consumers receive special privileges with Scoot–SIA's low cost carrier–such as priority check-in & boarding, no-fee standard seat selection, baggage allowance upgrades and booking flexibility waivers. Consumers receive a S$20 KrisShop rebate with a S$100+ nett shop transaction and S$15 vouchers both for Grab trips to Changi airport and for ChangiWiFi. While KF UOB Card doesn't offer any of the typical luxury perks, cardholders who spend S$5k/year with SIA receive an upgrade to KrisFlyer Elite Silver Status. However, all cardholders–regardless of their budgets–are entitled to 10,000 annual renewal miles (worth about S$100). This bonus offsets more than half of the S$192.6 fee, making KrisFlyer UOB Card an excellent, affordable option for young SIA-loyal travellers.

UOB PRVI Miles American Express Card: Rapid No-Fee Miles for Above-Average Spenders

  • Annual fee: S$256.80 (first year- waived)
  • Annual fee waived and 20,000 bonus annual renewal miles (worth S$200) with min annual spend of S$50,000
  • 1.4 miles/ S$1 local spend, 2.4 miles/S$1 overseas
  • 6 miles/S$1 spend on Expedia, Agoda and UOB Travel
  • Complimentary airport transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Can choose to redeem for miles or cashback
If you're an above-average spender who loves to travel, there's no better way to quickly accrue miles–while also avoiding an annual fee–than with UOB PRVI Miles American Express Card. Cardholders earn at highly competitive rates of 1.4 miles per S$1 spend locally, 2.4 miles overseas and 6 miles with major airlines and hotels. This includes bookings through platforms like Agoda, Expedia and UOB Travel. Those who spend S$50,000/year (about S$4,167/month) are exempt from the S$256.8 annual fee and receive 20,000 bonus miles (worth approximately S$200).


While UOB PRVI Amex Card is perfect for people with large budgets interested in rapid miles accrual, it's less of a fit for travellers who prioritise luxury perks. Benefits are primarily limited to free travel insurance and limo transfers. As a result, UOB PRVI Miles Amex Card is best suited to above average spenders who prefer boosted miles to extra comfort during travel.

  • Stand-Out: Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$256.80 (first year- waived)
  • Annual fee waived and 20,000 bonus annual renewal miles (worth S$200) with min annual spend of S$50,000
  • 1.4 miles/ S$1 local spend, 2.4 miles/S$1 overseas
  • 6 miles/S$1 spend on Expedia, Agoda and UOB Travel
  • Complimentary airport transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Can choose to redeem for miles or cashback

If you're an above-average spender who loves to travel, there's no better way to quickly accrue miles–while also avoiding an annual fee–than with UOB PRVI Miles American Express Card. Cardholders earn at highly competitive rates of 1.4 miles per S$1 spend locally, 2.4 miles overseas and 6 miles with major airlines and hotels. This includes bookings through platforms like Agoda, Expedia and UOB Travel. Those who spend S$50,000/year (about S$4,167/month) are exempt from the S$256.8 annual fee and receive 20,000 bonus miles (worth approximately S$200).


While UOB PRVI Amex Card is perfect for people with large budgets interested in rapid miles accrual, it's less of a fit for travellers who prioritise luxury perks. Benefits are primarily limited to free travel insurance and limo transfers. As a result, UOB PRVI Miles Amex Card is best suited to above average spenders who prefer boosted miles to extra comfort during travel.

UOB YOLO Card: Top Rebates for Social Weekend Spenders

  • 8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60/month)
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • Subsequently waived after you make 3 transactions monthly
  • 8% cashback on online and mobile contactless spend
  • 0.3% cashback on all other spend
  • S$600 min spend, S$60 cashback cap
  • Southeast Asia’s first bio-sourced card
Young travellers seeking rewards and perks tailored to their lifestyle can earn top rebates with UOB YOLO Card. Cardholders enjoy 8% cashback on weekend dining, entertainment, Grab & select UOB Travel (3% on weekdays), both locally and overseas. Consumers also earn 3% rebate for online fashion and travel spend–including Agoda, Expedia, AirBnB, SIA, Cathay Pacific & more. Even better, consumers can stack extra discounts and booking promotions on top of these rebates. While there's a minimum spend requirement of S$600/month, cardholders can ultimately earn up to S$60/month–or S$720/year–in rewards. This is reasonably competitive, especially for young adults seeking rewards on travel bookings.
  • Stand-Out: 8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60/month)
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • Subsequently waived after you make 3 transactions monthly
  • 8% cashback on online and mobile contactless spend
  • 0.3% cashback on all other spend
  • S$600 min spend, S$60 cashback cap
  • Southeast Asia’s first bio-sourced card

Young travellers seeking rewards and perks tailored to their lifestyle can earn top rebates with UOB YOLO Card. Cardholders enjoy 8% cashback on weekend dining, entertainment, Grab & select UOB Travel (3% on weekdays), both locally and overseas. Consumers also earn 3% rebate for online fashion and travel spend–including Agoda, Expedia, AirBnB, SIA, Cathay Pacific & more. Even better, consumers can stack extra discounts and booking promotions on top of these rebates. While there's a minimum spend requirement of S$600/month, cardholders can ultimately earn up to S$60/month–or S$720/year–in rewards. This is reasonably competitive, especially for young adults seeking rewards on travel bookings.

UOB One Credit Card: Top Rebates for Consistent Spenders

  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • 0.03% rebate on all spend if no rebate earned for calendar year
  • Up to 20.80% savings at Shell and 24% at SPC
UOB One Card offers cardholders with stable S$2k/month budgets the opportunity to max out rewards at up to S$1,200 a year. Cardholders earn 5% cashback on all transactions if they spend at least S$2k every month for an entire quarter, capped at S$300 (S$100/month). Lower or inconsistent spenders earn 3.33% rebate, up to S$100/quarter for S$1k monthly spend or S$50/quarter with S$500 spend. Rebates at these spend levels, however, are less competitive, so UOB One Card is best fit for those with a consistent, moderate budget.


In addition to its attractive base rate, UOB One Card also offers a +5% boost on Grab & UOB Travel spend (effectively 10% cashback) and +1% on recurring utilities bills (effectively 6% cashback). Cardholders enjoy an additional boost from the UOB SMART$ Programme that offers further rebates with select merchants. While there's a S$192.6 annual fee, it's waived the 1st year, and can be quickly recouped by these high rates and extra savings.

  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • 0.03% rebate on all spend if no rebate earned for calendar year
  • Up to 20.80% savings at Shell and 24% at SPC

UOB One Card offers cardholders with stable S$2k/month budgets the opportunity to max out rewards at up to S$1,200 a year. Cardholders earn 5% cashback on all transactions if they spend at least S$2k every month for an entire quarter, capped at S$300 (S$100/month). Lower or inconsistent spenders earn 3.33% rebate, up to S$100/quarter for S$1k monthly spend or S$50/quarter with S$500 spend. Rebates at these spend levels, however, are less competitive, so UOB One Card is best fit for those with a consistent, moderate budget.


In addition to its attractive base rate, UOB One Card also offers a +5% boost on Grab & UOB Travel spend (effectively 10% cashback) and +1% on recurring utilities bills (effectively 6% cashback). Cardholders enjoy an additional boost from the UOB SMART$ Programme that offers further rebates with select merchants. While there's a S$192.6 annual fee, it's waived the 1st year, and can be quickly recouped by these high rates and extra savings.

HSBC Agoda Credit Card Promotion (Oct 2021):

Best Current Agoda Promotion:Final Booking Date:
7% off hotel bookings worldwideBook by Dec. 31, 2021

HSBC offers a variety of great promotions, ranging from petrol to travel–including discounts on Agoda spend. Customers can access special rates by booking through a designated Agoda landing page (typically the homepage + /hsbcsg) and paying with an eligible HSBC credit card (corporate and debit cards are typically excluded). Cardholders must select options labelled as "Promo Eligible" and only pay-ahead bookings qualify. The HSBC credit cards we've reviewed below provide access to this Agoda promotion, and can also reward your everyday spend.

HSBC Revolution: Miles for Local Social Budgets

HSBC Revolution Credit Card
HSBC Revolution Credit Card
  • Annual fee: none
  • 4 miles (10 points) per S$1 spend online and via contactless payments (airlines, food delivery and retail)
  • 0.4 miles (1 point) per S$1 on all other spend (non-contactless payment)
  • No minimum spend requirement and no annual fee
  • 16% off petrol at Caltex and 14% off at Shell
HSBC Revolution Card offers social consumers the opportunity to maximise miles even on local spending. Cardholders earn 2 miles per S$1 on local dining and entertainment, as well as online. This rate also applies to online bill-pay and travel bookings through sites like Agoda and Expedia. There are no minimum spend requirements, no earnings caps, and cardholders can avoid paying an annual fee with just S$12,500 annual spend (about S$1,042/month). Ultimately, HSBC Revolution is a great card for consumers interested in earning no-fee miles on local spend–as well as on their Agoda bookings.
HSBC Revolution Credit Card
HSBC Revolution Credit Card
  • Annual fee: none
  • 4 miles (10 points) per S$1 spend online and via contactless payments (airlines, food delivery and retail)
  • 0.4 miles (1 point) per S$1 on all other spend (non-contactless payment)
  • No minimum spend requirement and no annual fee
  • 16% off petrol at Caltex and 14% off at Shell

HSBC Revolution Card offers social consumers the opportunity to maximise miles even on local spending. Cardholders earn 2 miles per S$1 on local dining and entertainment, as well as online. This rate also applies to online bill-pay and travel bookings through sites like Agoda and Expedia. There are no minimum spend requirements, no earnings caps, and cardholders can avoid paying an annual fee with just S$12,500 annual spend (about S$1,042/month). Ultimately, HSBC Revolution is a great card for consumers interested in earning no-fee miles on local spend–as well as on their Agoda bookings.

HSBC Advance Card: High Rebates for Affluent Advance Customers

HSBC Advance Credit Card
HSBC Advance Credit Card
  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection

HSBC Advance Card offers customers who spend at least S$2,000/month an opportunity to earn an incredible 3.5% cashback rate–the highest potential earning value on the market for capped cashback cards. 3.5% rate is comprised of 2.5% base rate and 1% bonus rate, which you can qualify for by spending at least S$2,000 and depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. With this bonus rate, monthly cashback is capped at S$300, which is S$3,600 per year in savings.

HSBC Advance Credit Card
HSBC Advance Credit Card
  • Stand-Out: Up to 3.5% flat cashback, lofty S$300/month rewards cap
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection

HSBC Advance Card offers customers who spend at least S$2,000/month an opportunity to earn an incredible 3.5% cashback rate–the highest potential earning value on the market for capped cashback cards. 3.5% rate is comprised of 2.5% base rate and 1% bonus rate, which you can qualify for by spending at least S$2,000 and depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. With this bonus rate, monthly cashback is capped at S$300, which is S$3,600 per year in savings.

Maybank Agoda Credit Card Promotion (Oct 2021):

Best Current Agoda Promotion:Final Booking Date:
7% off accommodation bookings worldwideBook by Dec.31, 2021

Maybank also offers cardholders access to Agoda promotions. Cardholders can enjoy discounted rates by booking through a dedicated Agoda landing page (typically homepage + /maybanksg) or using the mobile app. Only hotels marked as "Promo Eligible" apply, and payments must be made using a Maybank credit card. If you're interested in this promotion and would like to know what else Maybank has to offer, consider the credit cards below.

Maybank Horizon Visa Signature: Top Miles for Local Budgets

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • Subsequent annual fee is waived with min annual spend of S$18,000
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
If you have a mostly local budget but still want to earn miles, consider Maybank Horizon Visa Signature Card. Cardholders earn a market-leading 3.2 miles per S$1 spend on local dining, transport (petrol, taxis & Grab) and hotel bookings–specifically with Agoda. Overseas spend also earns at a competitive rate of 2 miles per S$1 spend on air tickets, travel packages and transactions in foreign currencies. And, while Maybank Horizon isn't a typical travel card, it still provides perks like lounge access and complimentary travel insurance.


Maybank Horizon Card also stands out because unlike most other travel cards, consumers can easily avoid paying an annual fee. In fact, the already reasonable S$180.0 annual fee is waived the 1st 3 years, then subsequently with just S$18,000 annual spend (equal to S$1,500/month). As a result, people looking for easy no-fee miles for local spend, vacation planning and transactions abroad can truly benefit from Maybank Horizon Visa Signature Card.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • Subsequent annual fee is waived with min annual spend of S$18,000
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance

If you have a mostly local budget but still want to earn miles, consider Maybank Horizon Visa Signature Card. Cardholders earn a market-leading 3.2 miles per S$1 spend on local dining, transport (petrol, taxis & Grab) and hotel bookings–specifically with Agoda. Overseas spend also earns at a competitive rate of 2 miles per S$1 spend on air tickets, travel packages and transactions in foreign currencies. And, while Maybank Horizon isn't a typical travel card, it still provides perks like lounge access and complimentary travel insurance.


Maybank Horizon Card also stands out because unlike most other travel cards, consumers can easily avoid paying an annual fee. In fact, the already reasonable S$180.0 annual fee is waived the 1st 3 years, then subsequently with just S$18,000 annual spend (equal to S$1,500/month). As a result, people looking for easy no-fee miles for local spend, vacation planning and transactions abroad can truly benefit from Maybank Horizon Visa Signature Card.

Maybank Family & Friends MasterCard: Local Rebates for Moderate & Low Spenders

  • Up to S$125/mo with just S$800/mo spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on 5 preferred categories (fast food & food delivery, groceries, transport, petrol discounts & online TV streaming)
  • Up to S$125 cashback per month with S$800 min spend
  • 0.3% rebate all other spend
Lower and moderate spenders can easily earn more local & regional cashback with Maybank Family & Friends Card than with almost any other card. Cardholders receive 5% rebate both in Singapore and Malaysia on food (fast food, food delivery & groceries), transport (including petrol), data communications/online TV streaming & more with just S$500 minimum spend–boosted to 8% rebate with S$800 spend. Individuals at the lower spend tier typically earn at most 3.33% cashback.


Those who qualify for the higher spend tier, however, are also more likely to qualify for a fee waiver. By spending just S$1,000/month (S$12,000/year), cardholders are exempt from paying the S$180 annual fee. Even better, spend at this level would also max out the S$80 monthly earnings cap, adding up to S$960 in rewards per year. Overall, MB F&F Card is a great match for low-to-moderate spenders who want no-fee cashback on local spend.

  • Stand-Out: Up to S$125/mo with just S$800/mo spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on 5 preferred categories (fast food & food delivery, groceries, transport, petrol discounts & online TV streaming)
  • Up to S$125 cashback per month with S$800 min spend
  • 0.3% rebate all other spend

Lower and moderate spenders can easily earn more local & regional cashback with Maybank Family & Friends Card than with almost any other card. Cardholders receive 5% rebate both in Singapore and Malaysia on food (fast food, food delivery & groceries), transport (including petrol), data communications/online TV streaming & more with just S$500 minimum spend–boosted to 8% rebate with S$800 spend. Individuals at the lower spend tier typically earn at most 3.33% cashback.


Those who qualify for the higher spend tier, however, are also more likely to qualify for a fee waiver. By spending just S$1,000/month (S$12,000/year), cardholders are exempt from paying the S$180 annual fee. Even better, spend at this level would also max out the S$80 monthly earnings cap, adding up to S$960 in rewards per year. Overall, MB F&F Card is a great match for low-to-moderate spenders who want no-fee cashback on local spend.

CIMB Agoda Credit Card Promotion (Oct 2021):

Best Current Agoda Promotion:Final Booking Date:
6% off worldwide hotel bookingsBook by Dec.31, 2021

CIMB's Agoda credit card promotions can be accessed by booking through a designated Agoda landing page (usually the homepage + /cimbsg) or by using Agoda's mobile app. Only hotels with a "Promo Eligible" tag are eligible for discounts, and cardholders must use their CIMB card when they pay. If you're looking for a CIMB credit card that rewards travel, consider the options below.

CIMB Visa Infinite Card: No-Fee Cashback for Affluent Travellers & Golfers

  • Unlimited 2% cashback on travel, overseas and online spend in foreign currencies
  • Promotions: Click on our link to get the latest promotion from CIMB!
  • Read Our Full Review
  • Annual fee: free for life
  • Unlimited 2% cashback on all travel and overseas spend
  • Unlimited 2% cashback on online spend in foreign currencies
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3 complimentary access to airport lounges
  • Visa Infinite Concierge
  • CIMB 0% Interest i.Pay Instalment Plan
If you're an affluent traveller who loves to golf, you should definitely consider CIMB Visa Infinite Card. Cardholders enjoy unlimited earning potential, with an uncapped 1% rebate on general spend, elevated to 2% on travel & overseas after S$2k minimum spend. Cardholders also enjoy travel perks like 3 free lounge visits per year, discounted limo transfers and free travel insurance. Ultimately, CIMB Visa Infinite Card offers cardholders a unique balance of luxury perks and unlimited cashback rewards that is rarely provided within just one card.
  • Stand-Out: Unlimited 2% cashback on travel, overseas and online spend in foreign currencies
  • Promotions: Click on our link to get the latest promotion from CIMB!
  • Read Our Full Review
  • Annual fee: free for life
  • Unlimited 2% cashback on all travel and overseas spend
  • Unlimited 2% cashback on online spend in foreign currencies
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3 complimentary access to airport lounges
  • Visa Infinite Concierge
  • CIMB 0% Interest i.Pay Instalment Plan

If you're an affluent traveller who loves to golf, you should definitely consider CIMB Visa Infinite Card. Cardholders enjoy unlimited earning potential, with an uncapped 1% rebate on general spend, elevated to 2% on travel & overseas after S$2k minimum spend. Cardholders also enjoy travel perks like 3 free lounge visits per year, discounted limo transfers and free travel insurance. Ultimately, CIMB Visa Infinite Card offers cardholders a unique balance of luxury perks and unlimited cashback rewards that is rarely provided within just one card.

CIMB Platinum MasterCard: Cashback for Transport & Medical

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
  • Promotions: Click on our link to get the latest promotion from CIMB!
  • Read Our Full Review
  • Annual fee: free for life
  • 10% cashback on dining, medical, transport, petrol & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • Unlimited 0.2% cashback on all other spend
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard offers cardholders no-fee cashback for consumers with diversified, mostly-practical budgets. Consumers earn an impressive 10% rebate on dining, medical, transport, electronics & furnishings, and travel spend in foreign currency.


While these rates are incredibly high, earnings are capped at just S$20/category, which can be maxed out with S$200 spend. There's also a S$800 minimum spend requirement to access these rates, which can be challenging for lower spenders. Nonetheless, those that can meet this minimum and max out all caps can earn up to S$100/month, or S$1,200/year. And, because there's no annual fee, CIMB Platinum MasterCard is maintenance-free.

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Stand-Out: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
  • Promotions: Click on our link to get the latest promotion from CIMB!
  • Read Our Full Review
  • Annual fee: free for life
  • 10% cashback on dining, medical, transport, petrol & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • Unlimited 0.2% cashback on all other spend
  • CIMB 0% Interest i.Pay Instalment Plan

CIMB Platinum MasterCard offers cardholders no-fee cashback for consumers with diversified, mostly-practical budgets. Consumers earn an impressive 10% rebate on dining, medical, transport, electronics & furnishings, and travel spend in foreign currency.


While these rates are incredibly high, earnings are capped at just S$20/category, which can be maxed out with S$200 spend. There's also a S$800 minimum spend requirement to access these rates, which can be challenging for lower spenders. Nonetheless, those that can meet this minimum and max out all caps can earn up to S$100/month, or S$1,200/year. And, because there's no annual fee, CIMB Platinum MasterCard is maintenance-free.

Learn More About How to Find the Best Credit Card for You

Zoryana Melesh

Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

{"endpoint":"\/newsletter\/subscribe","style":"blue","title":"Keep up with our news and analysis.","version":"sidebar"}