Best Credit Cards for Expats in Singapore 2019

Compared to residents, foreigners typically need a higher annual salary in order to qualify for a credit card. Keeping in mind both income requirements and common needs of expats at every socioeconomic status, we reveiwed 100+ of the most competitive credit cards on the market to identify which best fit expatriates' and foreigners' lifestyles.

Best Credit Cards for ExpatsInc. Req.Card Features
Best for MilesUOB PRVI MilesS$40,00020,000 bonus miles, 2.4 miles per $1 overseas
Citi PrestigeS$120,000Unlimited lounge access, free hotel nights & more
OCBC VoyageS$120,000Elite perks w/ no-fee miles redemption
Best for CashbackHSBC AdvanceS$40,000Up to 3.5% cashback capped at S$125/month
Unlimited CardsS$60,0001.5%–1.6% unlimited cashback with extra perks
Lower SpendersOCBC 365S$45,000Rebates on essentials w/ fee-waiver
MB F&FS$45,000Up to 8% rebate in Singapore & Malaysia
POSB EverydayS$45,000Top promotional rates on daily essentials
HSBC RevolutionS$40,0002 miles per S$1 on online, food & entertainment
UOB OneS$40,000Up to 5% flat rebate capped at S$300/quarter
Golfing PrivilegesMB WorldS$80,000Free green fees at 120 fairways across 25 countries

Best Air Miles Credit Cards for Expats

If you travel often, whether personally or for business, you may want to earn miles rewards for your spend. The following offer both great rates and top-notch perks.

Best for Rapid Miles Accumulation: UOB PRVI Miles American Express Card

Consider this if you want to maximise mile rewards without paying an extravagant annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive 10,000 welcome miles w/ S$6k spend in 1st 3mo
  • Earn up to 4.4mi/S$1 on overseas dining, shopping & accommodation, 3mi on Klook
  • Earn up to S$10 rebate on contactless payments

UOB PRVI Miles American Express Card is an excellent choice for expats who want to rapidly accumulate miles without paying an annual fee. Cardholders earn at some of the highest rates on the market: 1.4 miles per S$1 locally, 2.4 miles overseas, and 10 miles with major airlines & hotels. Perks include up to 8 free airport transfers a year and free travel insurance. Cards with similar perks and rates have annual fees of S$400+.

UOB PRVI Miles Card, however, has a fee of just S$256.8, which is waived with S$50,000 annual spend (about S$4,167/month). Spend at this level also earns 20,000 bonus miles (worth S$200). This threshold is fairly reasonable given the high cost of living in Singapore and average income level of expats–though the qualifying salary is just S$40,000, making the card extremely accessible. Ultimately, UOB PRVI Miles Card is by far the best option for expats who want to rapidly accumulate miles while avoiding a fee.

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  • 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, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • 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, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

Best Miles Card for Luxury Travel Perks: Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

Citi Prestige MasterCard stands out for its incredible luxury travel perks, making it the absolute best option for expats who prioritise comfort and convenience in their travels. Cardholders earn top rewards rates of 1.3 miles per S$1 locally and 2.4 miles overseas, receive 25,000 annual bonus miles (worth S$250), and can earn an annual bonus up to 30% based on the tenure of their relationship with Citibank. These features offset much of the admittedly high S$535.0 fee.

In terms of perks, Citi Prestige Card is the best card for complimentary lounge access on the market. Cardholders receive unlimited lounge access worldwide for themselves and a guest, through Priority Pass. Unlike with most competitors, there’s no minimum spend requirement to unlock this perk. Other benefits include free airport transfers, a comprehensive travel insurance plan, bonus 4th hotel nights at properties around the world, JetQuay access, golfing privileges and far more. It’s worth mentioning that foreigners must earn S$120,000 to qualify. Ultimately, Citi Prestige Card is an excellent choice for high-earning expats who want top-notch perks & privileges when they travel.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2.4 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
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2.4 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
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best Card for Flexible Miles Redemption: OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card

Consider this if you want flexible miles redemption and dine out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Receive 15,000 annual bonus miles
  • 4th hotel night free at select hotels

If you’re an expat with a shifting travel schedule, you can benefit from OCBC Voyage Card’s flexibility in rates and miles redemption. Cardholders earn 1.2 miles per S$1 locally and a boosted 1.6 miles for local dining–a feature not offered by competitors. In addition, overseas spend earns a competitive 2.4 miles per S$1, so you can earn high rates wherever you are.

Miles earned can be redeemed without any black-out dates, no transfer or conversion fees, and with minimal processing time, making it easy to travel on short notice. In addition, you’ll enjoy top-notch luxury perks on your trips, with unlimited lounge access, free airport transfers, free travel insurance and golfing privileges throughout SE Asia. It’s worth mentioning that this card is accessible only to very high earners and spenders–there is a S$120,000 foreigner salary requirement and a non-waivable S$488.0 fee. However, if you’re looking for top rates & perks paired with flexibility, OCBC Voyage Card may be a great match for you.

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  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Best Card for Business Travellers: Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000
Promotions:
  • Receive up to 35,000 welcome miles
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

Standard Chartered Visa Infinite Card is a great card for business travellers and expats with high spend overseas. In fact, SC Visa Infinite Card has the highest overseas rewards rate on the market–an incredible 3 miles per S$1 spend. Cardholders also earn a highly competitive 1.4 miles per S$1 locally, and receive 35,000 welcome miles with card approval (worth S$350).

SC Visa Infinite Card especially stands out for one of its most unique features–rewards for banking activities. While many cards exclude such transactions from earning rewards, SC Visa Infinite Cardholders can earn on everything from income tax payments to mortgage loans, investments, savings accounts and more. Foreigners must earn at least S$150,000 to qualify for this card; at this tax bracket, you could very well earn S$175+ just for paying your taxes.

Finally, this card offers excellent travel perks. Cardholders enjoy 6 free lounge visits/year, a free 4hr yacht hire, Hertz Asia rental privileges, golfing privileges throughout SE Asia and much more. While there’s a S$588.5 fee, this is easily reflected in value by its market-leading rewards rate and exemplary perks. Overall, if you’re a high-earning expat that frequently travels for business, SC Visa Infinite Card is a great choice for you.

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  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex

Best Cashback Credit Cards for Expats

Singapore’s cost-of-living is quite high. The following cards offer great options for maximising cashback on all of your spend.

Best Rebate Card for Affluent Advance Customers: HSBC Advance Card

Consider this if you spend at least S$3,500 per month and are open to a bank account with HSBC

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides

HSBC Advance Card is an extraordinary option for high-spenders willing to consider an Advance banking account–which itself has features tailored specifically to expats. Cardholding Advance customers earn 3.5% flat rebate up to S$125/month, after S$2,000 spend (2.5% if below). Rewards can be maxed out with S$3,500/month spend, allowing you to earn up to S$1,500/year–the highest earning potential for a capped card on the market.

These rates are exclusive to Advance customers, however. Non-customers earn 2.5% rebate after S$2,000 spend (1.5% if below) up to S$70/month, which is less competitive. Non-customers also must pay a S$192.6 fee, which is waived for Advance customers.

Another reason to consider both HSBC Advance Card and an Advance banking account is that customers have access to special expatriate banking privileges. These include the ability to manage up to 11 currencies in a single account, set a target foreign exchange rate for auto-conversion, link and make instant transfers between HSBC accounts worldwide & more.

Finally, HSBC Advance Card has one of the lowest income requirements for expats at just S$40,000. If you’re an above-average spender looking to maximise cashback and enjoy expat banking perks, definitely consider HSBC Advance Card with an Advance account.

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  • Annual fee: S$180.0, 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
  • Annual fee: S$180.0, 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

Best Unlimited Cashback Card for Local Spenders: Maybank FC Barcelona Visa Signature Card

Consider this if you want to earn an unlimited amount of cash rebate without paying an annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000 for Malaysians; S$60,000 for Others
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

If you have a big budget but mostly spend locally, Maybank FC Barcelona Visa Signature Card is the best card to maximise your cashback. Cardholders earn an unlimited 1.6% cashback on all local spend, which is higher than any competitors’ (1%–1.5%). Cardholders also earn 0.8 miles per S$1 spend overseas (equal to about 0.8% rebate), but this is less competitive, so Maybank FC Barcelona is best as a local card.

Another reason to consider Maybank FC Barcelona Card is that while there’s a S$60,000 income requirement for foreigners (S$45,000 for Malaysians), the card itself has an easy fee-waiver. Most unlimited cards charge S$170+ annually, but Maybank FC Barcelona Cardholders are exempt from the S$120.0 fee with just S$10,000 annual spend–equal to about S$833/month.

Finally, this is a great card if you’re an expat that loves sports–specifically, football (or “soccer”) & the FC Barcelona team. Cardholders receive discounts up to 10% at official FC Barcelona stores and can win a free trip (including full travel package) to see FC Barcelona playing live. Overall, Maybank FC Barcelona Card offers local high spenders a great way to earn unlimited rewards, with the added perk of expat-friendly sports discounts.

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  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance

Best Unlimited Cashback Card + Transport Perks: Standard Chartered Unlimited Cashback Card

Consider this if you want unlimited amount of cash rebate and can spend more than S$7,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Unlock up to 5% rebate and S$80 Sign-up bonus when you open Unlimited$aver savings account
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

Standard Chartered Unlimited Cashback Card is one of the absolute best options for high-spenders on the market. If you’re spending S$7,000/month or more–which is quite possible, given the comparatively high prices in Singapore–most cashback cards will restrict your earning potential by imposing rewards caps. SC Unlimited Cashback Card, however, offers an unlimited 1.5% cashback on all spend, so you don’t need to worry about restrictions.

SC Unlimited Cashback Card stands out from the competition for its excellent transport perks. No matter how you’re planning to get around the city, you can easily benefit–the card is TransitLink SimplyGo (ABT) compatible, top-ups are eligible for rebates (excluded by most cards), and cardholders earn up to 21% fuel savings with Caltex. Other unlimited cards are fairly standard, but SC Unlimited Cashback Card’s transport perks make it especially valuable.

Finally, while there’s a S$60,000 annual income requirement for foreigners, this is fairly reasonable for higher spenders, who are most likely to benefit from this card. Ultimately, SC Unlimited Cashback Card is an exceptional option if you want to consolidate your spend onto one card, maximise earnings with no restriction, and enjoy perks that make getting around both convenient & affordable.

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  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex

Best Unlimited Cashback Card with Amex Benefits: American Express True Cashback Card

American Express True Cashback Card
American Express True Cashback Card

Consider this if you want unlimited amount of cash rebate and value American Express's services

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Receive S$20 CapitaVoucher for each of 1st 2 supplementary cards

American Express True Cashback Card is the best unlimited card on the market if you’re an Amex loyalist–especially if you’re an expat who’s used to using an American Express credit card. Cardholders earn an unlimited 1.5% cashback on all spend, doubled to 3% for the first 6 months (up to S$150). Few competitors offer such a broad and lucrative welcome deal. Additionally, cardholders have access to American Express Selects dining privileges, Global Assist, Fraud Protection, free travel insurance & card-specific True Cashback promotions. These promotions often feature deals on travel, restaurants, retail, wedding expenses & more. There’s a S$60,000 income requirement for foreigners and a S$171.2 fee, but this fee is waived the 1st year. Overall, if you’re comfortable with Amex and want unrestricted rewards for spend, Amex True Cashback Card is a great option to consider.

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  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC

Best Credit Cards for Lower-Spending Foreigners

If you’re an expat in Singapore with a lower salary or lower income, these cards offer great ways to earn meaningful cashback without high fees or minimums.

Best No-Fee Rebate Card for Daily Essentials: OCBC 365 Card

Consider this if you are looking for a credit card for general day-to-day use

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval

OCBC 365 Card is not only the best no-fee everyday card on the market, it also comes with perks uniquely suited to expats without their own car. Cardholders earn rebates on nearly all spend–6% on dining and 3% on groceries, land transport, travel bookings & recurring bills, after S$800 minimum spend.

What’s great is that dining and groceries rebates include online ordering and delivery–saving you time on the road & the associated cost of petrol. If you don’t mind venturing out by way of public or shared transport, you can still earn 3% rebates on Grab, Go-Jek, taxis & more. Finally, even if you do have a car, you can benefit from up to 23% fuel savings with Caltex.

OCBC 365 Card also stands out by offering a relatively low income requirement for foreigners–just S$45,000–as well as an easy fee-waiver. Cardholders who spend just S$10,000/year (S$833/month) are exempt from the S$192.6 fee, which is already waived for 2 years. This makes OCBC 365 Card accessible, affordable, and incredibly convenient for expats.

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  • 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
  • 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

Best Rebates for Spend in Singapore & Malaysia: Maybank Family & Friends MasterCard

Consider this if you spend a lot of time in both Singapore and Malaysia

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

If you’re currently living in or spend a great deal of time in Malaysia, Maybank Family & Friends Card is a great option to consider. Cardholders earn for spend in key categories in both Singapore & Malaysia, up to 5% after S$500 spend or 8% with S$800 spend. Rebates cover dining, groceries, transport, petrol data communications/online TV streaming & more. These rates are amongst the highest on market, especially amongst those accessible to lower spenders. Cardholders can earn up to S$80/month, which can be maxed out with just S$1,000 spend.

Another reason why you might be interested in Maybank F&F Card is for its accessibility, especially for Malaysians. If you currently live in Malaysia, the salary requirement is just S$45,000 (other foreigners must earn S$60,000). In addition, there’s an easy waiver for the S$180.0 annual fee–cardholders spending S$12,000/year (S$1,000/month–the amount needed to max out rewards potential) are exempt. Overall, Maybank F&F Card is excellent if you live in Malaysia and want top rebates on regional spend, even for a lower budget.

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  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)

Rebates for Essentials & Online Delivery: POSB Everyday Card

Consider this if you're a family shopper with a diversified budget

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive S$120 cashback w/ S$800 spend in 2mo

POSB Everyday Card is a great all-in-one card for expats looking to earn rewards while also consolidating their wallets. While promotional rates change with time, cardholders can typically earn as high as 15% rebates on categories such as online food delivery, dining, groceries, transport, personal care and recurring bills. Some categories are merchant-restricted, and most require consumers to meet a minimum spend (Personalised Spend Goal, assigned by DBS). However, as the minimum requirement is based on the individual's average spending levels, it may be easier to consistently reach the minimum than with other more rigid cards.

POSB Everyday Card is also great for expats because it often offers especially high rebates on online food delivery & catering. This is incredibly convenient if you don’t have your own car, or want to save on petrol costs (though the card also offers high rebates on transport & up to 20.1% fuel savings with SPC). In fact, POSB Everyday Card is even ABT compatible–cardholders can use it to make contactless payments of public transit fare, eliminating the need for top-ups. Finally, the foreigner income requirement is just S$45,000. Overall, if you want to maximise your convenience and save on daily spend, POSB Everyday Card may be the right choice for you.

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  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC
  • SimplyGo/ABT capabilities for public transit fares
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC
  • SimplyGo/ABT capabilities for public transit fares

Best No-Fee Miles Card for Online & Social Spend: HSBC Revolution Card

Consider this if you spend mostly on shopping, dining and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides

If you find yourself spending a sizeable portion of your budget on local food & entertainment and like to shop online, HSBC Revolution Card is the best miles-earning option on the market. You’ll earn 2 miles per S$1 local spend on dining & entertainment (restaurants, cafes, fast food, clubs, pubs, bars & more), as well as for online transactions–including transit and bill payments. If you’re new to Singaporean credit cards, it’s worth pointing out–most exclude such payments from earning rewards at all.

Another reason to consider HSBC Revolution Card is for its lower foreign income requirement and easy fee-waiver. You can qualify if you earn just S$40,000/year–one of the lowest requirements for expats on the market. In addition, the S$160.5 fee is waived 2 years, and then with S$12,500 annual spend. That’s about S$1,042/month, and given the high cost of food & entertainment in Singapore, it’s reasonably achievable even for lower spenders. Overall, if you’re an expat with a lower salary or smaller budget, or even just want to earn miles from local social & online spend, HSBC Revolution Card could be the right choice for you.

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  • 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
  • Up to 20.2% fuel savings with Caltex, 14% with Shell
  • 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
  • Up to 20.2% fuel savings with Caltex, 14% with Shell

Best Flat Rebate Card: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Receive up to 6% rebate on Singapore Power utilities bill
  • Receive up to S$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account

If you spend at least S$2,000 every month, you can easily maximise your cashback with UOB One Card. At this spend level, cardholders earn 5% flat rebate on all spend (including bill pay), up to S$300/quarter. Lower or inconsistent spend earns at 3.33%, up to S$50 or S$100/quarter (depending on minimum spend level).

UOB One Card is an excellent choice for expats not just for its top rebate rate, but also because of its comparative simplicity. Many cashback cards require category and merchant tracking, which can be frustrating and complicated–especially if you’re still exploring new Singaporean brands, or aren’t sure about how spend is classified. UOB One Card applies a flat rebate to everything from food and petrol to shopping and bill-pay, which also lets you consolidate down to one card (hence the name) and streamline your wallet.

If you do feel comfortable spending with select merchants, you can effectively ‘double’ your rebates through UOB SMART$ Programme. Transactions with merchants like BreadTalk, Cold Storage, Cathay Cineplexes & more earn SMART$ (worth S$1 each), which can be used to offset future purchases. This spend also counts towards hitting your minimum, working towards earning the highest rebate rate.

Finally, UOB One Card has one of the lowest income requirements for foreigners on the market, at just S$40,000. Overall, if you’re likely to spend S$2,000/month on a consistent basis, UOB One Card offers one of the easiest ways to maximise cashback on every transaction.

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  • 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
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • 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
  • Up to 24% fuel savings with SPC, 20.8% with Shell

Best Cashback Card for Food & Petrol: Citi Cash Back Card

Consider this if you spend mostly on food and petrol

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

Citi Cash Back Card is a great card for expats because it rewards key spend categories worldwide, with no merchant restrictions. Cardholders earn 8% cashback on dining, groceries, and petrol both locally and overseas. While there’s a S$888 minimum spend, it’s fairly reasonable that the average consumer will reach this amount as food & petrol comprise nearly half of the average budget.

Another reason Citi Cash Back Card stands out is that cardholders can earn up to S$75/month, or S$900/year–one of the higher earning potentials on the market. Even more, the foreigner income requirement is just S$42,000, making it especially accessible. Overall, if you want to earn high rates on the better part of your monthly budget, you might want to consider Citi Cash Back Card.

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  • 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
  • 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

Best Travel Card for Affordable Miles & Perks: Citi PremierMiles Visa Card

Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Earn 1.5 miles per S$1 local spend w/ min. S$3k monthly spend
  • Option One: 26,500 miles w/ 1st annual fee payment & S$9k spend within 3 months
  • Option Two: 6,400 miles w/ 1st annual fee payment & S$3k spend within 3 months

Citi PremierMiles Visa Card is the best travel card for earning high rewards and enjoying great perks without having to pay a massive annual fee. Cardholders earn 1.2 miles per S$1 locally and 2 miles overseas, which aligns with market standards. However, cardholders also receive 21,000 welcome miles (worth S$210), plus 10,000 annual bonus miles (worth S$100)–a feature usually associated only with the priciest travel cards.

Another way Citi PMV Card stands out is by offering great perks. Cardholders receive 2 free lounge visits/year with access to over 600 locations worldwide. Additionally, the card offers one of the market’s best travel insurance plans, with unique features like up to S$500 compensation for trip interruptions. There is a low foreign income requirement of S$42,000 and the annual fee, S$192.6, is far lower than alternative cards with similar features. Overall, if you want accessible perks & affordable miles, consider Citi PMV Card.

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  • 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
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell
  • 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
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell

Cashback + Miles for Food & Petrol: HSBC Visa Platinum Card

Consider this if you spend at least S$600/month and want to earn both cash rebates and miles

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides

HSBC Visa Platinum Card is one of the few cards on the market that allows cardholders to earn both cashback and miles. Cardholders earn 5% rebate on local dining, groceries and petrol after S$600 minimum spend, up to S$250/quarter. All other transactions earn 0.4 miles per S$1, with no minimum spend requirement. This rewards structure is great for practical consumers seeking cashback in key spend categories.

HSBC Visa Platinum Card is particularly useful for lower-spending expats because of the low foreigner income requirement–just S$40,000. This is actually one of the lowest requirements on the market. In addition, cardholders can avoid the S$180.0 annual fee by spending just S$12,500/year. If you’re an expat looking for flexible rewards for food & petrol, HSBC Visa Platinum Card may be a great no-fee option for you.

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  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining & groceries (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell

Best Credit Card for Expats with Golfing Privileges: Maybank World MasterCard

Consider this if you are an avid golfer who travels frequently to golf clubs worldwide

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Receive free American Tourister Luggage w/ S$400 monthly spend for 2mo

Maybank World MasterCard is the best miles-earning card for golfers, including expats. Cardholders receive 2 free green fees/month at 120 fairways across 25 countries. That’s 3x the number of fairways available with the closest competitor, making Maybank World a far more comprehensive option for the avid overseas golfer.

Another reason to consider Maybank World Card is for its rewards rates. Cardholders earn 10 points (4 miles) per S$1 with select dining (Paradise Group, Imperial Treasure, Resort World Sentosa & more) & luxury retail merchants (Burberry, Chanel, Michael Kors & more). Card perks include free travel insurance and airport lounge access.

Even if you’re an expat that enjoys the finer things of life, you may be happy to know that Maybank World Card comes with an easy fee-waiver. Cardholders are exempt from the S$240.0 fee with just S$24,000/year spend. Even better, spend on a supplementary card (perhaps by a spouse) also counts towards this minimum, making it even easier to avoid the fee. Still, there’s a S$80,000 foreign income requirement. Overall, if you’re an expat seeking no-fee golfing privileges and miles for luxury spend, there’s no better option than Maybank World MasterCard.

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  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore

Best Credit Cards for Expats for Shopping & Delivery

Whether you’re looking to save money or prioritise convenience, the following cards will help you earn rewards for shopping and delivery.

Best Shopping Card for Retail: OCBC Titanium Rewards Card

Consider this if you want to accrue miles from your shopping purchases

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Up to 2% cash rebate at BEST Denki

OCBC Titanium Rewards Card is the best shopping card on the market, for expats and native Singaporeans alike–in fact, no shopping card is more comprehensive and versatile. Cardholders earn 10 points (4 miles) per S$1 spend on fashion, electronics, and retail with select merchants like Amazon, Lazada, Qoo10 and many more. Essentially, you can earn rebates for buying everything from shoes to appliances to pharmaceuticals & more.

Even better, these rates apply to purchases made online and offline, locally and overseas. This means you’ll earn rewards whether you’re exploring new products in Singapore or want to order familiar products from your home country. OCBC Titanium Rewards Card also has a low foreigner income requirement of S$45,000 and comes with an fee waiver–cardholders are exempt from the S$192.5 fee with just S$10,000 annual spend. Overall, if you want rewards for all retail spend without worrying about a fee, OCBC Titanium Rewards Card is the best option.

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  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)
  • Discounted airport lounge & JetQuay Quayside access
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)
  • Discounted airport lounge & JetQuay Quayside access
  • Up to 16% fuel savings with Caltex, 14% with Esso

Best Shopping Card for Online & Fashion: Citi Rewards Card

Consider this if you want to maximise miles rewards on shopping expenses

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Receive 30,000 bonus points (12,000 miles) with S$3,000 spend
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend

Do you enjoy shopping online & keeping up with the latest fashion trends? Citi Rewards Card is a great option if you want to earn miles for online & fashion spend. Cardholders earn 10 points (4 miles) per S$1 on online spend (including food & grocery delivery and ride-hailing services), as well as on clothing, bags, shoes & more. You’ll earn rewards for purchases made both locally and overseas. This kind of flexibility is great if you often purchase overseas brands or like to try new styles in different places. Even better, if you want to shop and travel, you can enjoy the card’s free travel insurance. Foreigners must earn S$42,000 annually to qualify, and there’s a S$192.6 annual fee, but it’s waived 1 year. Overall, Citi Rewards Card is a great choice for expats who seeking the convenience of online shopping and flexibility in retail spending.

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  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online (inc. online food & grocery delivery, ride-hailing services)
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online (inc. online food & grocery delivery, ride-hailing services)
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Rebates for Online Overseas: Standard Chartered SingPost Spree Card

Consider this if you shop frequently from websites outside of Singapore

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

If you often shop online for overseas brands–perhaps from your home country–Standard Chartered SingPost Spree Card is definitely the best option to maximise rewards. Cardholders earn 3% cashback on foreign online & vPost transactions with no minimum spend requirement–which is perfect if you have a smaller shopping budget and buy from merchants like Amazon. Even better, the card comes with Online Price Guarantee and additional discounts on shipping & packaging.

SC SingPost Spree Card is more than just a shopping card, however. You’ll also earn 2% rebate on local online & contactless purchases and 1% on general spend. These rates may seem low, but most shopping cards offer the equivalent of 0.4% rebate on non-retail spend. There is a S$60,000 foreigner income requirement and a S$192.6 fee, but this fee is waived 2 years. Ultimately, SC SingPost Spree Card is a great choice if you want cashback for online overseas spend.

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  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex

Summary of Best Credit Cards for Expats in Singapore 2019

Below, we've prepared a summary of our picks for the best credit cards for expats in Singapore 2019.

CardBest for...Annual Fee
UOB PRVI MilesRapid MilesS$256.8 (waiver)
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
UOB OneBest Flat RebateS$192.6
Citi Cash BackFood & TransportS$192.6
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
CardBest for...Annual Fee
UOB PRVI MilesRapid MilesS$256.8 (waiver)
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
UOB OneBest Flat RebateS$192.6
Citi Cash BackFood & TransportS$192.6
Citi PremierMiles VisaMiles for Avg SpendersS$192.6

Compare the Best Credit Cards for Expats and Foreigners by Dollar Value

To help you foreigners and expats in Singapore find the best credit card, we have prepared a chart below organizing credit cards by 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. Do note, however, that these values can vary widely depending on your unique spending habits, so you should be sure to read our reviews to assess if a card is right for you.

A graph displaying how the best credit cards for expats and low income foreigners compare to one another in terms of their rewards
Best Credit Cards in Singapore for Expats & Foreigners By Estimated 2-Year Dollar Value
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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