Best Credit Cards for Expats in Singapore 2020

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 Miles Credit Cards for Expats
Best Cashback Credit Cards for Expats
Best Credit Cards for Expat Low Spenders
Best Credit Cards for Expat Golfers
Best Shopping Credit Cards for Expats

Compare the Best Credit Cards for Expats in Singapore by Dollar Value

Based on an average 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 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
Best Miles Cards for Expats Best Cashback Cards for Expats Best Cards for Expat Low Spenders Best Cards for Expat Golfers Best Shopping Cards for Expats

Compare Best Expat Credit Cards by Dollar Value

Based on an average 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 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

Best 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.

UOB PRVI Miles American Express Card: Rapid Miles Accumulation

  • Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups) via our partnership w/ SGSaver
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$40,000
  • 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
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 6 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.

  • Stand-Out: Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups) via our partnership w/ SGSaver
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$40,000
  • 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
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 6 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.

Citi Prestige MasterCard: Best Luxury Travel 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
  • Min. Foreign Salary Requirement: S$120,000
  • 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
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.

  • 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
  • Min. Foreign Salary Requirement: S$120,000
  • 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
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.

Standard Chartered Visa Infinite X: Upfront Miles for Affluent Travellers

  • Receive 100k+ bonus miles upfront for investing w/ SC Bank
  • Promotions: Receive S$100 cash via PayNow (S$50 for existing customers) w/ our partnership with SGSaver
  • 30k welcome bonus miles
  • Earn 3 mi/S$1 overseas w/ S$2k spend in 1 month (until 30 June 2020)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$80,000 (S$60,000 for foreigners with Priority or Private Banking accounts)
  • 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
Wealthy expats with readily accessible funds should definitely consider Standard Chartered Visa Infinite X Card. Cardholders who place S$300k fresh funds into a SC Priority Banking account within the 1st 3 months receive an incredible 100,000 bonus KrisFlyer miles. Bonuses increase with larger placements. In fact, placing S$800k funds earns 150,000 bonus miles (worth approximately S$15k when redeemed for business class tickets) and Priority Private Banking customers who place S$1.5m receive 300,000 miles (worth S$30k). This bonus is ideal for very affluent expats, especially those who want to quickly accrue miles and don't mind opening an account with Standard Chartered.


It's worth mentioning that the actual rewards rates and perks aren't especially competitive, however. Cardholders receive 1.2 miles per S$1 spend locally and 2 miles overseas, and enjoy privileges like 2 free annual lounge visits, complimentary travel insurance, hotel upgrades and discounted green fees. The S$695.5 annual fee is also quite high. Those who can take full advantage of the welcome offer, however, can more than recoup this cost and should definitely consider SC Visa Infinite Card for its impressive upfront bonus.

  • Stand-Out: Receive 100k+ bonus miles upfront for investing w/ SC Bank
  • Promotions: Receive S$100 cash via PayNow (S$50 for existing customers) w/ our partnership with SGSaver
  • 30k welcome bonus miles
  • Earn 3 mi/S$1 overseas w/ S$2k spend in 1 month (until 30 June 2020)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$80,000 (S$60,000 for foreigners with Priority or Private Banking accounts)
  • 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
Wealthy expats with readily accessible funds should definitely consider Standard Chartered Visa Infinite X Card. Cardholders who place S$300k fresh funds into a SC Priority Banking account within the 1st 3 months receive an incredible 100,000 bonus KrisFlyer miles. Bonuses increase with larger placements. In fact, placing S$800k funds earns 150,000 bonus miles (worth approximately S$15k when redeemed for business class tickets) and Priority Private Banking customers who place S$1.5m receive 300,000 miles (worth S$30k). This bonus is ideal for very affluent expats, especially those who want to quickly accrue miles and don't mind opening an account with Standard Chartered.


It's worth mentioning that the actual rewards rates and perks aren't especially competitive, however. Cardholders receive 1.2 miles per S$1 spend locally and 2 miles overseas, and enjoy privileges like 2 free annual lounge visits, complimentary travel insurance, hotel upgrades and discounted green fees. The S$695.5 annual fee is also quite high. Those who can take full advantage of the welcome offer, however, can more than recoup this cost and should definitely consider SC Visa Infinite Card for its impressive upfront bonus.

OCBC Voyage: Flexible Miles Redemption

OCBC Voyage Card
OCBC Voyage Card
  • Boosted miles rewards for local dining spend
  • Promotions: Receive 15,000 annual bonus miles
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$120,000
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
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 2.3 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.

OCBC Voyage Card
OCBC Voyage Card
  • Stand-Out: Boosted miles rewards for local dining spend
  • Promotions: Receive 15,000 annual bonus miles
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$120,000
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
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 2.3 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.

Standard Chartered Visa Infinite: Best Miles for Business Travellers

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome miles
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$150,000
  • 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
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.

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Stand-Out: Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome miles
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$150,000
  • 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
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.

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.

Citi Cash Back+ Card: Highest Flat Uncapped Rebate

  • Top unlimited flat cashback rate of 1.6%
  • 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
  • Min. Foreign Salary Requirement: S$42,000
  • Annual fee: S$192.6, waived for 1 year
  • Unlimited 1.6% rebate on all spend
  • No minimum spend requirements
If you regularly spend more than S$6,000/month, you should definitely consider applying for Citi Cash Back+ Card to maxmise the rebate you can earn. This card provides a flat rate rebate of 1.6% on all of your spending, both local and overseas, without any minimum spend requirement or cap on limit. This feature is custom-made for affluent consumers who can easily feel constrained by cards that limit how much cash back they can earn. While it doesn't provide many extra perks or privileges, Citi Cash Back+ Card's rewards rate is higher than the 1.5% offered by most comparable cards. As a result, Citi Cash Back+ is the best option for people with large budgets who are focused primarily on earning to their full potential.
  • Stand-Out: Top unlimited flat cashback rate of 1.6%
  • 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
  • Min. Foreign Salary Requirement: S$42,000
  • Annual fee: S$192.6, waived for 1 year
  • Unlimited 1.6% rebate on all spend
  • No minimum spend requirements
If you regularly spend more than S$6,000/month, you should definitely consider applying for Citi Cash Back+ Card to maxmise the rebate you can earn. This card provides a flat rate rebate of 1.6% on all of your spending, both local and overseas, without any minimum spend requirement or cap on limit. This feature is custom-made for affluent consumers who can easily feel constrained by cards that limit how much cash back they can earn. While it doesn't provide many extra perks or privileges, Citi Cash Back+ Card's rewards rate is higher than the 1.5% offered by most comparable cards. As a result, Citi Cash Back+ is the best option for people with large budgets who are focused primarily on earning to their full potential.

Standard Chartered Unlimited Cashback: Unltd. Rebates + Transport Perks

  • 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: Receive Jabra Elite Active 75T Wireless Earbuds + S$20 cashback w/ MyInfo application (via partnership w/ SGSaver)
  • S$50 Grab vouchers for existing customers
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$60,000
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
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.

  • Stand-Out: 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: Receive Jabra Elite Active 75T Wireless Earbuds + S$20 cashback w/ MyInfo application (via partnership w/ SGSaver)
  • S$50 Grab vouchers for existing customers
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$60,000
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
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.

American Express True Cashback Card: Limitless Rebates + Amex Perks

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • Receive S$60 CapitaVoucher w/ S$1k spend in 1st mo (new customers); existing customers receive S$30 voucher
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$60,000
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
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.

  • Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • Receive S$60 CapitaVoucher w/ S$1k spend in 1st mo (new customers); existing customers receive S$30 voucher
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$60,000
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
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.

Maybank FC Barcelona Visa Signature: Unlimited Local Cashback

  • 1.6% unltd local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$45,000 for Malaysians; S$60,000 for Others
  • 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
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.

  • Stand-Out: 1.6% unltd local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$45,000 for Malaysians; S$60,000 for Others
  • 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
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.

HSBC Advance Card: 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
  • Min. Foreign Salary Requirement: S$40,000
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
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.

  • 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
  • Min. Foreign Salary Requirement: S$40,000
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
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.

Best Credit Cards for Expat Low Spenders

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.

Citi PremierMiles Visa: Affordable Perks & Bonus Miles

  • 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
  • Min. Foreign Salary Requirement: S$42,000
  • 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 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.

  • 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
  • Min. Foreign Salary Requirement: S$42,000
  • 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 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.

KrisFlyer UOB Credit Card: Boosted 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
  • Min. Foreign Salary Requirement: S$42,000
  • 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 budget-minded expat willing to fly primarily with Singapore Airlines, you may be able to maximise your miles rewards with KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 local and overseas spend, elevated to 3 miles for transactions with SIA, Scoot, SilkAir and KrisShop. Consumers can unlock a boosted 3 miles per S$1 rate for global dining & online food delivery, transport, online fashion & travel booking with just S$500 min. spend with SIA brands within a year. This minimum is quite reasonable and can typically be achieved with just 2-3 regional trips per year.


KF UOB Card's perks also favour more practical travellers. Cardholders can access special privileges with Scoot, SIA's low cost carrier, such as upgraded baggage allowances, free standard seat selection, complimentary priority check-in & boarding and booking flexibility waivers. Other perks include S$15 worth of Grab rides to and from the airport, S$15 towards ChangiWiFi, and a S$20 rebate with S$100 nett spend at KrisShop. While there aren't many luxury perks, higher spending consumers can earn a membership upgrade to KrisFlyer Elite Silver with S$5k/year SIA spend. All cardholders receive 10,000 bonus miles with no minimum requirements, which are worth about S$100 and offset the S$192.6 annual fee. Overall, younger expats on a budget are most likely to benefit from KrisFlyer UOB Card's convenient perks and boosted rates, as long as they're willing to exclusively fly with SIA.

  • 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
  • Min. Foreign Salary Requirement: S$42,000
  • 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 budget-minded expat willing to fly primarily with Singapore Airlines, you may be able to maximise your miles rewards with KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 local and overseas spend, elevated to 3 miles for transactions with SIA, Scoot, SilkAir and KrisShop. Consumers can unlock a boosted 3 miles per S$1 rate for global dining & online food delivery, transport, online fashion & travel booking with just S$500 min. spend with SIA brands within a year. This minimum is quite reasonable and can typically be achieved with just 2-3 regional trips per year.


KF UOB Card's perks also favour more practical travellers. Cardholders can access special privileges with Scoot, SIA's low cost carrier, such as upgraded baggage allowances, free standard seat selection, complimentary priority check-in & boarding and booking flexibility waivers. Other perks include S$15 worth of Grab rides to and from the airport, S$15 towards ChangiWiFi, and a S$20 rebate with S$100 nett spend at KrisShop. While there aren't many luxury perks, higher spending consumers can earn a membership upgrade to KrisFlyer Elite Silver with S$5k/year SIA spend. All cardholders receive 10,000 bonus miles with no minimum requirements, which are worth about S$100 and offset the S$192.6 annual fee. Overall, younger expats on a budget are most likely to benefit from KrisFlyer UOB Card's convenient perks and boosted rates, as long as they're willing to exclusively fly with SIA.

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

  • 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
  • Min. Foreign Salary Requirement: S$40,000
  • 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
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.

  • 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
  • Min. Foreign Salary Requirement: S$40,000
  • 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
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.

UOB One Credit Card: Best 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) via our partnership w/ SGSaver
  • 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
  • Min. Foreign Salary Requirement: S$40,000
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
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, up to S$300/quarter. This rate is boosted to 10% cashback for Grab & select UOB Travel spend and 6% for utilities bills. 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.

  • 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) via our partnership w/ SGSaver
  • 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
  • Min. Foreign Salary Requirement: S$40,000
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
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, up to S$300/quarter. This rate is boosted to 10% cashback for Grab & select UOB Travel spend and 6% for utilities bills. 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.

Maybank Family & Friends MasterCard: Easy Rebates in SG & MY

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$60,000
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, 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
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 fast food & food delivery, 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.

  • Stand-Out: Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$60,000
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, 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
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 fast food & food delivery, 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.

Citi Cash Back Card: Rebates on Global 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
  • Min. Foreign Salary Requirement: S$42,000
  • 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 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.

  • 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
  • Min. Foreign Salary Requirement: S$42,000
  • 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 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.

HSBC Visa Platinum: Cashback + Miles for Food & Petrol

  • Rebates on local food & petrol, miles for general spend
  • 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
  • Min. Foreign Salary Requirement: S$40,000
  • 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)
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.

  • Stand-Out: Rebates on local food & petrol, miles for general spend
  • 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
  • Min. Foreign Salary Requirement: S$40,000
  • 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)
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.

Best Credit Cards for Expat Golfers

If you're a frequent golfer looking for privileges at fairways worldwide, this may be the card for you.

Maybank World MasterCard: Best Miles Card for Golfers

  • 2 free green fees/month, access to 120+ global fairways
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$80,000
  • 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
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.

  • Stand-Out: 2 free green fees/month, access to 120+ global fairways
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$80,000
  • 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
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.

American Express Platinum Card: Local Luxuries for Affluent Expats

  • Exclusive local lifestyle & dining perks
  • Promotions: Receive 13,750 miles (25k pts) w/ S$6k spend in 1st 3 mo
  • Receive 13,750 miles (25k pts) w/ another S$6k spend in following 3 mo
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$80,000
  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
Wealthy expats seeking local luxuries may want to consider American Express Platinum Card. Cardholders enjoy a myriad of perks, including 40% off a la carte services at high end spas, dining discounts through Love Dining & Amex Selects, and free drinks at trendy bars through the Chillax programme. Consumers also enjoy waived green fees at fairways across Asia Pacific (with 1 paying guest on weekdays, 2 on weekends).


In addition to perks, cardholders receive 0.69 miles (1.25 pts) per S$1 general spend, boosted to 3.44 miles (6.25 pts) for transactions with Platinum EXTRA Partners (typically designer fashion, jewellery, & watch brands). Unlike most shopper cards, Amex Platinum Card's rewards are uncapped. There is a S$321 annual fee, which is rather high–especially given the card has no real travel perks. Nonetheless, local affluent spenders may feel Amex Platinum Card's perks and privileges offset its yearly cost.

  • Stand-Out: Exclusive local lifestyle & dining perks
  • Promotions: Receive 13,750 miles (25k pts) w/ S$6k spend in 1st 3 mo
  • Receive 13,750 miles (25k pts) w/ another S$6k spend in following 3 mo
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$80,000
  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
Wealthy expats seeking local luxuries may want to consider American Express Platinum Card. Cardholders enjoy a myriad of perks, including 40% off a la carte services at high end spas, dining discounts through Love Dining & Amex Selects, and free drinks at trendy bars through the Chillax programme. Consumers also enjoy waived green fees at fairways across Asia Pacific (with 1 paying guest on weekdays, 2 on weekends).


In addition to perks, cardholders receive 0.69 miles (1.25 pts) per S$1 general spend, boosted to 3.44 miles (6.25 pts) for transactions with Platinum EXTRA Partners (typically designer fashion, jewellery, & watch brands). Unlike most shopper cards, Amex Platinum Card's rewards are uncapped. There is a S$321 annual fee, which is rather high–especially given the card has no real travel perks. Nonetheless, local affluent spenders may feel Amex Platinum Card's perks and privileges offset its yearly cost.

Best Shopping & Online Delivery Credit Cards for Expats

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

OCBC 365 Card: No-Fee Rebates on Daily Essentials

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$45,000
  • 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 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.

  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$45,000
  • 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 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.

POSB Everyday Card: Top Promotional Rates on Essentials

  • Promotional rebates of up to 15% in key spend categories
  • Promotions: S$220 cashback w/ promo code "SHOP220" via our partnership with SGSaver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$45,000
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
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.

  • Stand-Out: Promotional rebates of up to 15% in key spend categories
  • Promotions: S$220 cashback w/ promo code "SHOP220" via our partnership with SGSaver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$45,000
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
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.

Citi Rewards: Best for Online Shopping & Fashion

  • Up to 4mi/S$1 spend on fashion retail & all online spend
  • 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
  • Min. Foreign Salary Requirement: S$42,000
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • Free travel insurance
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.
  • Stand-Out: Up to 4mi/S$1 spend on fashion retail & all online spend
  • 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
  • Min. Foreign Salary Requirement: S$42,000
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • Free travel insurance
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

OCBC Titanium Card: No-Fee Miles for Fashion Retail

  • 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo (existing customers)
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$45,000
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
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 a 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.

  • Stand-Out: 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo (existing customers)
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$45,000
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
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 a 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.

Standard Chartered SingPost Spree: Rebates for Online Overseas Spend

  • Cashback on overseas online shopping + shipping discounts
  • Promotions: Receive Jabra Elite Active 75T Wireless Earbuds + S$20 cashback w/ MyInfo application (via partnership w/ SGSaver)
  • S$50 Grab vouchers for existing customers
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$60,000
  • 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
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.

  • Stand-Out: Cashback on overseas online shopping + shipping discounts
  • Promotions: Receive Jabra Elite Active 75T Wireless Earbuds + S$20 cashback w/ MyInfo application (via partnership w/ SGSaver)
  • S$50 Grab vouchers for existing customers
  • Read Our Full Review
  • Min. Foreign Salary Requirement: S$60,000
  • 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
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.

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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