Best Agoda Credit Card Promotions 2020

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 Citibank Credit Cards with Agoda Promotions
Best OCBC Credit Cards with Agoda Promotions
  • OCBC 365: Rebates on essentials with easy fee-waiver
  • 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: Up to 8% rebate on weekend dining, entertainment, Grab & more
  • 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

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 Citibank 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 (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
7% off global hotel bookings31 Dec 2020
(See Agoda or bank website for details)

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

  • Free lounge access & golf privileges, waivable fee
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR 38k miles w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • 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.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR 38k miles w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • 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 (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
10% off bookings in SG, 6% worldwide19 Apr 2020
(See Agoda or bank website for details)

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: Accessible Welcome Miles

  • Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Promotions: Spend S$10k w/in 1st 6mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 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 to rapidly earn a large amount of miles within your 1st year, you should definitely consider American Express Singapore Airlines KrisFlyer Card. To start, cardholders can earn up to 21,500 bonus miles within the first 6 months: 5,000 miles for their 1st transaction, 8,000 miles with S$5k spend in the 1st 3 months, another 8,000 miles with S$5k spend in the following 3 months, and 500 miles with the 1st Grab booking. Cardholders can earn an additional S$150 SIA credit with S$12k annual spend.


Cardholders can also rapidly accrue miles with their travel and daily spend. Every S$1 transaction earns 1.1 KrisFlyer miles, 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 rapid bonus miles that can easily offset the cost of their flight.

  • Stand-Out: Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Promotions: Spend S$10k w/in 1st 6mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 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 to rapidly earn a large amount of miles within your 1st year, you should definitely consider American Express Singapore Airlines KrisFlyer Card. To start, cardholders can earn up to 21,500 bonus miles within the first 6 months: 5,000 miles for their 1st transaction, 8,000 miles with S$5k spend in the 1st 3 months, another 8,000 miles with S$5k spend in the following 3 months, and 500 miles with the 1st Grab booking. Cardholders can earn an additional S$150 SIA credit with S$12k annual spend.


Cardholders can also rapidly accrue miles with their travel and daily spend. Every S$1 transaction earns 1.1 KrisFlyer miles, 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 rapid bonus miles that can easily offset the cost of their flight.

American Express Singapore Airlines Krisflyer Ascend Card: Exclusive Membership Upgrades

  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$10k w/in 1st 3mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for 1st 2 supplementary cards
  • 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.

  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$10k w/in 1st 3mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for 1st 2 supplementary cards
  • 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.

Citibank Agoda Credit Card Promotion (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
7% off global hotel bookings30 Apr 2020
(See Agoda or bank website for details)

To enjoy this Agoda promotion, Citibank cardholders must visit a designated landing page (typically Agoda's homepage + /citibanksg) and use their Citi card to pay at checkout. Promotional rates usually only apply to prepaid (rather than pay-at-hotel) bookings, and cannot be combined with other discounts or rewards from loyalty programmes. Here are some great Citibank credit cards that are eligible for Agoda promotions, while also offering great rewards rates and perks.

Citi PremierMiles Visa: Affordable Perks & Annual Bonus

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card offers consumers affordable luxury perks plus annual bonus miles. Cardholders earn a fairly standard 1.2 miles per S$1 spend locally and 2 miles overseas. However, they also receive 10,000 bonus miles annually, equal to about S$100–offsetting the S$192.6 annual fee. Perks include 2 free lounge visits per year and complimentary travel insurance. Overall, if you're interested in a low-cost card with an annual bonus boost, you may want to consider Citi PMV Card.
  • Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card offers consumers affordable luxury perks plus annual bonus miles. Cardholders earn a fairly standard 1.2 miles per S$1 spend locally and 2 miles overseas. However, they also receive 10,000 bonus miles annually, equal to about S$100–offsetting the S$192.6 annual fee. Perks include 2 free lounge visits per year and complimentary travel insurance. Overall, if you're interested in a low-cost card with an annual bonus boost, you may want to consider Citi PMV Card.

Citi Prestige MasterCard: Unparalleled Luxury Perks

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
If you're an affluent traveller that prioritises luxury perks–and are willing to pay a premium for them–Citi Prestige MasterCard may be the best card for you. Cardholders enjoy a myriad of exclusive benefits, such as unlimited free lounge access, complimentary lounge transfers, bonus hotel nights, 6 free green fees at fairways in Asia, free travel insurance and more.


These perks are quite impressive, which may in turn validate the high S$535 annual fee (no waiver). Even so, cardholders receive 25,000 annual bonus miles (worth S$250) and an annual bonus of up to 30% based on relationship tenure with Citibank, which offset this fee. In the meantime, all local spend earns 1.3 miles per S$1, boosted to 2 miles overseas. All in all, Citi Prestige is a card directly tailored to the affluent, providing top-notch perks and bonus miles for those who can afford the high fee.

  • Stand-Out: Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
If you're an affluent traveller that prioritises luxury perks–and are willing to pay a premium for them–Citi Prestige MasterCard may be the best card for you. Cardholders enjoy a myriad of exclusive benefits, such as unlimited free lounge access, complimentary lounge transfers, bonus hotel nights, 6 free green fees at fairways in Asia, free travel insurance and more.


These perks are quite impressive, which may in turn validate the high S$535 annual fee (no waiver). Even so, cardholders receive 25,000 annual bonus miles (worth S$250) and an annual bonus of up to 30% based on relationship tenure with Citibank, which offset this fee. In the meantime, all local spend earns 1.3 miles per S$1, boosted to 2 miles overseas. All in all, Citi Prestige is a card directly tailored to the affluent, providing top-notch perks and bonus miles for those who can afford the high fee.

Citi Cash Back Card: Cashback on Food & Petrol

  • Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is a great match for occasional travellers who want to maximise rewards in core spend categories, both at home or abroad. Cardholders earn 8% cashback on dining, groceries and transport–both locally and overseas. Food and transport make up a large part of the average consumer's budget, making it fairly easy for most people to reach the S$888 minimum spend requirement. It's important to mention that monthly rewards are capped at S$25/category, maxed out by S$312.5 spend in each area. As a result, people with food and petrol budgets of approximately S$900 are most likely to benefit from Citi Cash Back Card.
  • Stand-Out: Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is a great match for occasional travellers who want to maximise rewards in core spend categories, both at home or abroad. Cardholders earn 8% cashback on dining, groceries and transport–both locally and overseas. Food and transport make up a large part of the average consumer's budget, making it fairly easy for most people to reach the S$888 minimum spend requirement. It's important to mention that monthly rewards are capped at S$25/category, maxed out by S$312.5 spend in each area. As a result, people with food and petrol budgets of approximately S$900 are most likely to benefit from Citi Cash Back Card.

OCBC Agoda Credit Card Promotion (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
12% off global hotel bookings31 May 2020
(See Agoda or bank website for details)

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

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, 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: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, 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

  • Earn unlimited cashback & miles, no conversion fees
  • Promotions: Up to 10% off Expedia bookings
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (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.

  • Stand-Out: Earn unlimited cashback & miles, no conversion fees
  • Promotions: Up to 10% off Expedia bookings
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (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 (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
7% off global hotel bookings31 Dec 2020

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

  • Receive 100k+ bonus miles upfront for investing w/ SC Bank
  • Promotions: 40k welcome bonus miles, exclusive via our partnership w/ SGSaver
  • Earn 3 mi/S$1 overseas w/ S$2k spend in 1 month (until 30 June 2020)
  • Upon establishing Priority or Private Banking relationship, earn up to 30k miles w/ S$200k min. deposit/investment, 100k miles w/ S$300k deposit/investment, or up to 150k miles w/ S$800k+ deposit/investment
  • Read Our Full Review
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
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.

  • Stand-Out: Receive 100k+ bonus miles upfront for investing w/ SC Bank
  • Promotions: 40k welcome bonus miles, exclusive via our partnership w/ SGSaver
  • Earn 3 mi/S$1 overseas w/ S$2k spend in 1 month (until 30 June 2020)
  • Upon establishing Priority or Private Banking relationship, earn up to 30k miles w/ S$200k min. deposit/investment, 100k miles w/ S$300k deposit/investment, or up to 150k miles w/ S$800k+ deposit/investment
  • Read Our Full Review
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
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 (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
7% off global hotel bookings31 Dec 2020
(See Agoda or bank website for details)

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

  • Boosted everyday miles w/ SIA perks & privileges
  • Promotions: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
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.

  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Promotions: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
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

  • Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions: Receive S$100 cash credit w/ 5 transactions in 1st mo (via our partnership w/ SGSaver)
  • Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • Read Our Full Review
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
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: Receive S$100 cash credit w/ 5 transactions in 1st mo (via our partnership w/ SGSaver)
  • Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • Read Our Full Review
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
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

  • Top weekend rebates of up to 8% for social spenders
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
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: Top weekend rebates of up to 8% for social spenders
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
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

  • Up to 5% rebate on all spend, S$300/quarter
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
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.

  • Stand-Out: Up to 5% rebate on all spend, S$300/quarter
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
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 (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
7% off global hotel bookings31 Dec 2020
Extra 25% off SG hotel bookings31 Dec 2020

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

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
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.
  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
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

  • Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
HSBC Advance Card is great for above-average spenders who are–or are willing to become–HSBC Advance customers. Advance customers earn 3.5% flat rebate after S$2k monthly spend (2.5% if below), up to S$125/month. This can be maxed out by S$3,500 monthly spend, and those with a consistent budget can earn up to S$1,500/year. Advance customers are also exempt from paying a fee.


Non-Advance customers, however, earn at less competitive rates: 2.5% flat rebate after S$2k spend (1.5% if below), up to S$70/month. Additionally, non-customers are charged a S$192.6 annual fee (though this is waived with S$12,500 annual spend). Overall, those open to an HSBC Advance account can earn top rates on all spend, without ever having to worry about added costs.

  • Stand-Out: Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
HSBC Advance Card is great for above-average spenders who are–or are willing to become–HSBC Advance customers. Advance customers earn 3.5% flat rebate after S$2k monthly spend (2.5% if below), up to S$125/month. This can be maxed out by S$3,500 monthly spend, and those with a consistent budget can earn up to S$1,500/year. Advance customers are also exempt from paying a fee.


Non-Advance customers, however, earn at less competitive rates: 2.5% flat rebate after S$2k spend (1.5% if below), up to S$70/month. Additionally, non-customers are charged a S$192.6 annual fee (though this is waived with S$12,500 annual spend). Overall, those open to an HSBC Advance account can earn top rates on all spend, without ever having to worry about added costs.

Maybank Agoda Credit Card Promotion (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
7% off global hotel bookings31 Dec 2020
(See Agoda or bank website for details)

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: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 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: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 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

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 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 (dining & 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: Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 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 (dining & 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 (Apr 2020):

Best Current Agoda Promotion:Final Booking Date:
6% off global hotel bookings31 Dec 2020
(See Agoda or bank website for details)

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

  • Unltd. travel & overseas cashback plus lounge & waived green fees
  • Promotions: Pay for Grab w/ linked card & enjoy up to S$20 Grab Promo Codes
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses & overseas spend
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • Complimentary green fees at 108 fairways across 16 countries
  • 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. Even better, consumers enjoy up to 2 complimentary green fees every month at 108 fairways across 16 countries. 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: Unltd. travel & overseas cashback plus lounge & waived green fees
  • Promotions: Pay for Grab w/ linked card & enjoy up to S$20 Grab Promo Codes
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses & overseas spend
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • Complimentary green fees at 108 fairways across 16 countries
  • 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. Even better, consumers enjoy up to 2 complimentary green fees every month at 108 fairways across 16 countries. 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

  • Up to 10% cashback on transport, dining, medical & more
  • Promotions: Pay for Grab w/ linked card & enjoy up to S$20 Grab Promo Codes
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • 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.

  • Stand-Out: Up to 10% cashback on transport, dining, medical & more
  • Promotions: Pay for Grab w/ linked card & enjoy up to S$20 Grab Promo Codes
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • 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

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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