Best Credit Cards for High Income Earners 2021

If you're a high income earner spending S$6–8k+ per month, typical cashback cards' earning caps will restrain your potential. On the other hand, the average travel card may not provide the luxury and comfort you seek. To make things easier, our research team closely analysed 100+ credit cards in Singapore to identify the best unlimited and high-cap cashback cards, as well as miles-earning cards with the most exclusive perks.

Best Miles Credit Cards for High Income Earners
Best Unlimited Cashback Cards for High Income Earners
Best Credit Cards with Luxury Perks for High Income Earners
  • Citi Prestige: Unltd. lounge access, bonus hotel nights & more
  • Amex Platinum: Elite dining & lifestyle perks in SG
  • OCBC Voyage: Flexible miles redemption, boosted rewards for local dining
Best Credit Cards with Golf Privileges for High Income Earners
  • CIMB Visa Infinite: Unlimited 2% cashback on travel, overseas and online spend in foreign currencies
  • Maybank World: Free green fees at 120 fairways across 25 countries
Best Credit Cards for High-Earning Business Travellers

Compare the Best Credit Cards for High Earners in Singapore by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the msot prestigious 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 best credit cards for high income earners compare to one another in terms of their rewards

Best Miles Credit Cards for High Income Earners

If you're an affluent traveller looking to accrue miles as rapidly as possible, consider the cards below. We found that these options offer both the prestigious perks of a typical high-end credit card as well as effective value when it comes to earning miles on your spending.

UOB PRVI Miles American Express Card: Rapid Miles for High Spenders

UOB PRVI Miles Amex Card offers one of the highest rewards rates on the market, 6mi/S$1 on Agoda, Expedia and UOB Travel spend, 2.4mi/S$1 on overseas and 1.4mi/S$1 on local spend.
  • Pros
    • Great for rapid miles accrual
    • Awards high spend on airlines & hotels
    • No-fee card
    • Cons
      • Doesn't fit infrequent travellers with mostly local budgets
      • Lacks luxury perks & privileges
      • Annual fee: S$256.80 (first year- waived)
      • Annual fee waived and 20,000 bonus annual renewal miles (worth S$200) with min annual spend of S$50,000
      • 1.4 miles/ S$1 local spend, 2.4 miles/S$1 overseas
      • 6 miles/S$1 spend on Expedia, Agoda and UOB Travel
      • Complimentary airport transfers & free travel insurance
      • UOB PRVI Travel Butler & Amex Essentials
      • Can choose to redeem for miles or cashback
      UOB PRVI Miles American Express Card is the absolute best travel card on the market for affluent consumers looking to rapidly accrue miles for their spend. Cardholders earn top rates of 1.4 miles per S$1 local spend, 2.4 miles overseas, and 6 miles with hotels & airlines. These rates are on par with those of the priciest travel cards, but UOB PRVI Miles Card has a much lower annual fee, of S$256.8 (compared to S$400+).


      Even better, spending S$50,000/year earns a fee waiver as well as 20,000 bonus miles (worth about S$200). This kind of offer is unparalleled by any other miles-earning card on the market. Beyond these benefits, consumers can also enjoy a few perks like free travel insurance and airport transfers. Ultimately, if you spend about S$4,200/month, UOB PRVI Miles Card can maximise miles for spend without any added cost.

      UOB PRVI Miles Amex Card offers one of the highest rewards rates on the market, 6mi/S$1 on Agoda, Expedia and UOB Travel spend, 2.4mi/S$1 on overseas and 1.4mi/S$1 on local spend.
      • Pros
        • Great for rapid miles accrual
        • Awards high spend on airlines & hotels
        • No-fee card
        • Cons
          • Doesn't fit infrequent travellers with mostly local budgets
          • Lacks luxury perks & privileges
          • Annual fee: S$256.80 (first year- waived)
          • Annual fee waived and 20,000 bonus annual renewal miles (worth S$200) with min annual spend of S$50,000
          • 1.4 miles/ S$1 local spend, 2.4 miles/S$1 overseas
          • 6 miles/S$1 spend on Expedia, Agoda and UOB Travel
          • Complimentary airport transfers & free travel insurance
          • UOB PRVI Travel Butler & Amex Essentials
          • Can choose to redeem for miles or cashback

          UOB PRVI Miles American Express Card is the absolute best travel card on the market for affluent consumers looking to rapidly accrue miles for their spend. Cardholders earn top rates of 1.4 miles per S$1 local spend, 2.4 miles overseas, and 6 miles with hotels & airlines. These rates are on par with those of the priciest travel cards, but UOB PRVI Miles Card has a much lower annual fee, of S$256.8 (compared to S$400+).


          Even better, spending S$50,000/year earns a fee waiver as well as 20,000 bonus miles (worth about S$200). This kind of offer is unparalleled by any other miles-earning card on the market. Beyond these benefits, consumers can also enjoy a few perks like free travel insurance and airport transfers. Ultimately, if you spend about S$4,200/month, UOB PRVI Miles Card can maximise miles for spend without any added cost.

          Standard Chartered Visa Infinite X: Big Upfront Bonus for the Very Affluent

          PROMO: GET 30,000 MILES AT SIGN-UP
          Standard Chartered Visa Infinite X Credit Card
          Standard Chartered Visa Infinite X Credit Card
          Standard Chartered Visa Infinite X offers 30,000 miles as a sign-up bonus, 3mi/S$1 oversease spend and a wide variety of travel perks.
          • Pros
            • Earn up to 300,000 bonus welcome miles
            • Earn 2 miles/S$1 spend overseas
            • Special privileges with elite hotels
            • Cons
              • Bonus miles limited to affluent consumers
              • Very high & unwaivable S$695.5 annual fee
              • Lower rewards rates than other lux. cards
              • Annual fee: S$695.50
              • 1.2 miles (3pts) per S$1 local spend
              • 2 miles (5pts) per S$1 overseas spend
              • 2 complimentary visits to Priority Pass lounges
              • Complimentary travel insurance
              • 0% Interest Instalment Plan
              Standard Chartered Visa Infinite X Card provides the best welcome offer in the market for high income consumers. For those who can place S$300k in fresh funds in a Priority Banking Account within the 1st 3 months, this card provides a substantial 100,000 KrisFlyer miles welcome bonus, which is worth about S$10k when redeemed for business class tickets. Even wealthier consumers can earn up to 300k Krisflyer Miles by placing S$1.5m in a Priority Banking Account with Standard Chartered. Besides this welcome bonus, SC VI X Card provides a pretty standard set of rewards for high-end cards, like 1.2 miles and 2 miles earned per S$1 spent locally and overseas, 2 free lounge visits per year and discounted green fees at golf clubs in SE Asia.
              PROMO: GET 30,000 MILES AT SIGN-UP
              Standard Chartered Visa Infinite X Credit Card
              Standard Chartered Visa Infinite X Credit Card
              Standard Chartered Visa Infinite X offers 30,000 miles as a sign-up bonus, 3mi/S$1 oversease spend and a wide variety of travel perks.
              • Pros
                • Earn up to 300,000 bonus welcome miles
                • Earn 2 miles/S$1 spend overseas
                • Special privileges with elite hotels
                • Cons
                  • Bonus miles limited to affluent consumers
                  • Very high & unwaivable S$695.5 annual fee
                  • Lower rewards rates than other lux. cards
                  • Annual fee: S$695.50
                  • 1.2 miles (3pts) per S$1 local spend
                  • 2 miles (5pts) per S$1 overseas spend
                  • 2 complimentary visits to Priority Pass lounges
                  • Complimentary travel insurance
                  • 0% Interest Instalment Plan

                  Standard Chartered Visa Infinite X Card provides the best welcome offer in the market for high income consumers. For those who can place S$300k in fresh funds in a Priority Banking Account within the 1st 3 months, this card provides a substantial 100,000 KrisFlyer miles welcome bonus, which is worth about S$10k when redeemed for business class tickets. Even wealthier consumers can earn up to 300k Krisflyer Miles by placing S$1.5m in a Priority Banking Account with Standard Chartered. Besides this welcome bonus, SC VI X Card provides a pretty standard set of rewards for high-end cards, like 1.2 miles and 2 miles earned per S$1 spent locally and overseas, 2 free lounge visits per year and discounted green fees at golf clubs in SE Asia.

                  Best Unlimited Cashback Credit Cards for High Income Earners

                  For high spenders, cashback caps can prove very limiting. These cards minimise such restraints and provide a way for affluent individuals to maximise their earnings potential.

                  UOB Absolute Cashback Card: Unlimited Cashback on All Spend

                  PROMO: GET S$150 CASHBACK
                  UOB Absolute Cashback offers the highest unlimited cashback rate on the market – 1.7%. With no mins, caps or restrictions, you can earn on all spend, including rent and insurance. Additional perks: savings on dining, shopping and travel.
                  • Pros
                    • Unlimited cashback
                    • No min, caps or exclusions
                    • American Express Card privileges
                    • Cons
                      • Low cashback rate for smaller budgets
                      • Annual fee
                      • Annual fee: S$192.60 (first year - waived)
                      • 1.7% unlimited cashback
                      • No min spend and no spend exclusions
                      • Earn cashback on insurance payments, school fees, wallet top-ups
                      • Cashback also available on healthcare, utilities and telco bills and rental payments
                      UOB Absolute Cashback Card offers 1.7% limitless cashback, with no minimum spend and no exclusions, which is the highest unlimited cashback rate on the market. What makes this card unique is that you can actually earn cashback on all spend, even on categories often excluded by other cards, such as: insurance payments, school feels, medical bills and rental payments. Wallet top-ups, utilities and telco bills spend will also earn cashback.


                      Another benefit of UOB Absolute Cashback Card is the exclusive American Express Card privileges that you can enjoy, from complimentary 6-month FoundersCard membership to 50% savings on dining, shopping and accommodation. UOB Absolute also offers 20.8% savings at Shell stations and up to 24% savings at SPC.

                      PROMO: GET S$150 CASHBACK
                      UOB Absolute Cashback offers the highest unlimited cashback rate on the market – 1.7%. With no mins, caps or restrictions, you can earn on all spend, including rent and insurance. Additional perks: savings on dining, shopping and travel.
                      • Pros
                        • Unlimited cashback
                        • No min, caps or exclusions
                        • American Express Card privileges
                        • Cons
                          • Low cashback rate for smaller budgets
                          • Annual fee
                          • Annual fee: S$192.60 (first year - waived)
                          • 1.7% unlimited cashback
                          • No min spend and no spend exclusions
                          • Earn cashback on insurance payments, school fees, wallet top-ups
                          • Cashback also available on healthcare, utilities and telco bills and rental payments

                          UOB Absolute Cashback Card offers 1.7% limitless cashback, with no minimum spend and no exclusions, which is the highest unlimited cashback rate on the market. What makes this card unique is that you can actually earn cashback on all spend, even on categories often excluded by other cards, such as: insurance payments, school feels, medical bills and rental payments. Wallet top-ups, utilities and telco bills spend will also earn cashback.


                          Another benefit of UOB Absolute Cashback Card is the exclusive American Express Card privileges that you can enjoy, from complimentary 6-month FoundersCard membership to 50% savings on dining, shopping and accommodation. UOB Absolute also offers 20.8% savings at Shell stations and up to 24% savings at SPC.

                          Citi Cash Back+ Card: Highest Unltd. Flat Rebate Rate

                          PROMO: GET 12% CASHBACK VIA CRYSTAL JADE JADEITE MEMBERSHIP
                          Citi Cash Back+ Card offers one of the highest unlimited cashback rates on the market – 1.6%, on all spend without restrictions, boosted to 4.5% for new customers in the first 3 months.
                          • Pros
                            • Affluent consumers spending S$7k+/mo
                            • People interested in an easy-to-use flat rate card
                            • Those looking to avoid spend requirements or rewards caps
                            • Cons
                              • Average or lower spenders looking to maximise rewards
                              • Those with specialised spend (i.e. dining, shopping)
                              • Consumer looking to avoid an annual fee
                              • Annual fee: S$192.60 (first year - waived)
                              • 1.6% cashback on all local and overseas spend
                              • No minimum spend
                              • No cap on cashback
                              • Welcome gift of 4.5% cashback on up to S$5,000 in first 3 months
                              For affluent consumers with a budget of at least S$6,000/month, Citi Cash Back+ Card is one of the best options for maximising cash rebate. This is the only card in the market that provides an impressive 1.6% rebate on all of your spending, with no restrictions like minimum spend requirement or cap on limit. Consumers who don't want to worry about monthly cap on rebates should appreciate this feature. Although Citi Cash Back+ Card doesn't provide an annual fee waiver or many other perks, it's worth noting that its unlimited rebate of 1.6% is higher than the 1.5% offered by most comparable cards and isn't limited just to Singapore, which is also the case with most of its competitors.
                              PROMO: GET 12% CASHBACK VIA CRYSTAL JADE JADEITE MEMBERSHIP
                              Citi Cash Back+ Card offers one of the highest unlimited cashback rates on the market – 1.6%, on all spend without restrictions, boosted to 4.5% for new customers in the first 3 months.
                              • Pros
                                • Affluent consumers spending S$7k+/mo
                                • People interested in an easy-to-use flat rate card
                                • Those looking to avoid spend requirements or rewards caps
                                • Cons
                                  • Average or lower spenders looking to maximise rewards
                                  • Those with specialised spend (i.e. dining, shopping)
                                  • Consumer looking to avoid an annual fee
                                  • Annual fee: S$192.60 (first year - waived)
                                  • 1.6% cashback on all local and overseas spend
                                  • No minimum spend
                                  • No cap on cashback
                                  • Welcome gift of 4.5% cashback on up to S$5,000 in first 3 months

                                  For affluent consumers with a budget of at least S$6,000/month, Citi Cash Back+ Card is one of the best options for maximising cash rebate. This is the only card in the market that provides an impressive 1.6% rebate on all of your spending, with no restrictions like minimum spend requirement or cap on limit. Consumers who don't want to worry about monthly cap on rebates should appreciate this feature. Although Citi Cash Back+ Card doesn't provide an annual fee waiver or many other perks, it's worth noting that its unlimited rebate of 1.6% is higher than the 1.5% offered by most comparable cards and isn't limited just to Singapore, which is also the case with most of its competitors.

                                  Standard Chartered Unlimited Cashback Card: Uncapped Rebates Worldwide

                                  Standard Chartered Unlimited Cashback offers customers 1.5% cashback on all spend, boosted to 5% for new customers in the first 3 months.
                                  • Pros
                                    • Unlimited 1.5% flat cashback
                                    • No minimum spend requirement
                                    • Up to 21% fuel savings with Caltex
                                    • Cons
                                      • Must spend S$7,000/month to get good value
                                      • No boosted rates in specific categories
                                      • No travel perks
                                      • Annual fee: S$192.60 (waived for two years)
                                      • Unlimited 1.5% cashback on all spend
                                      • Caltex petrol discounts up to 21%
                                      If capped cashback cards are keeping you from your full earning potential, consider Standard Chartered Unlimited Cashback Card–perhaps the best of all unlimited cashback cards on the market. Cardholders earn at the fairly standard 1.5% flat rate with no minimum spend requirements and no earnings caps. However, SC Unlimited Cashback Card stands out by offering great transport benefits.


                                      While competitors tend to stick to the basics, SC Unlimited Cashback Card is SimplyGo functional and offers cardholders up to 21% fuel savings at Caltex. Altogether, high spenders can enjoy more than just unlimited earning potential with SC Unlimited Cashback Card–they can also take advantage of a variety of transport benefits, whether they’re commuting, driving, or booking a private hire.

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                                      Standard Chartered Unlimited Cashback offers customers 1.5% cashback on all spend, boosted to 5% for new customers in the first 3 months.
                                      • Pros
                                        • Unlimited 1.5% flat cashback
                                        • No minimum spend requirement
                                        • Up to 21% fuel savings with Caltex
                                        • Cons
                                          • Must spend S$7,000/month to get good value
                                          • No boosted rates in specific categories
                                          • No travel perks
                                          • Annual fee: S$192.60 (waived for two years)
                                          • Unlimited 1.5% cashback on all spend
                                          • Caltex petrol discounts up to 21%

                                          If capped cashback cards are keeping you from your full earning potential, consider Standard Chartered Unlimited Cashback Card–perhaps the best of all unlimited cashback cards on the market. Cardholders earn at the fairly standard 1.5% flat rate with no minimum spend requirements and no earnings caps. However, SC Unlimited Cashback Card stands out by offering great transport benefits.


                                          While competitors tend to stick to the basics, SC Unlimited Cashback Card is SimplyGo functional and offers cardholders up to 21% fuel savings at Caltex. Altogether, high spenders can enjoy more than just unlimited earning potential with SC Unlimited Cashback Card–they can also take advantage of a variety of transport benefits, whether they’re commuting, driving, or booking a private hire.

                                          American Express True Cashback Card: Limitless Cashback + Upfront Boost

                                          PROMO: RECEIVE S$80 CAPITA VOUCHERS
                                          American Express True Cashback offers 1.5% unlimited cashback on all purchases, and 3% promotional cashback for new customers for the first 6 months.
                                          • Pros
                                            • Great Amex perks
                                            • Straightforward, easy-to-use card
                                            • Cons
                                              • Not suitable for lower budgets
                                              • Rewards general spend only
                                              • Annual fee: S$171.20 (first year - waived)
                                              • Get 1.5% cashback on all eligible spend, with no min. spend required and no cap
                                              • Get double the cashback at 3% on first S$5,000 spent within first 6 months
                                              • Free travel insurance up to S$350,000 when you purchase travel tickets with this card
                                              American Express True Cashback Card stands out as an unlimited cashback card because while its base rate is a flat 1.5%, new cardholders earn at a boosted 3% level for their first 6 months, up to S$150. No competitor offers such a lucrative sign-on deal; in fact, alternative unlimited cards rarely come with special welcome rates at all. In addition, Amex True Cashback Card stands out for perks like Global Assist, American Express Selects, and True Cashback promotions–the last of which frequently offers wedding-related deals and discounts. For affluent consumers who feel limited by typical cashback earning caps, Amex True Cashback Card is one of the best options on the market.
                                              PROMO: RECEIVE S$80 CAPITA VOUCHERS
                                              American Express True Cashback offers 1.5% unlimited cashback on all purchases, and 3% promotional cashback for new customers for the first 6 months.
                                              • Pros
                                                • Great Amex perks
                                                • Straightforward, easy-to-use card
                                                • Cons
                                                  • Not suitable for lower budgets
                                                  • Rewards general spend only
                                                  • Annual fee: S$171.20 (first year - waived)
                                                  • Get 1.5% cashback on all eligible spend, with no min. spend required and no cap
                                                  • Get double the cashback at 3% on first S$5,000 spent within first 6 months
                                                  • Free travel insurance up to S$350,000 when you purchase travel tickets with this card

                                                  American Express True Cashback Card stands out as an unlimited cashback card because while its base rate is a flat 1.5%, new cardholders earn at a boosted 3% level for their first 6 months, up to S$150. No competitor offers such a lucrative sign-on deal; in fact, alternative unlimited cards rarely come with special welcome rates at all. In addition, Amex True Cashback Card stands out for perks like Global Assist, American Express Selects, and True Cashback promotions–the last of which frequently offers wedding-related deals and discounts. For affluent consumers who feel limited by typical cashback earning caps, Amex True Cashback Card is one of the best options on the market.

                                                  Maybank FC Barcelona Visa Signature: Unltd. Local Cashback

                                                  PROMO: GET S$100 CASH CREDIT
                                                  Maybank FC Barcelona offers one of the highest unlimited cashback rates on the market – 1.6%,. Only downside is that the rate applies to local spend only.
                                                  • Pros
                                                    • Affluent consumers spending S$6,500+/month
                                                    • High spenders with mostly local budgets
                                                    • Football fans–especially of FC Barcelona
                                                    • Cons
                                                      • Frequent travellers with high overseas spend
                                                      • People spending less than S$5,000/month
                                                      • Consumers who prioritise travel perks & privileges
                                                      • Annual fee: S$120
                                                      • 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’re an especially high spender with a mostly local budget, look no further than Maybank FC Barcelona Visa Signature Card.This card offers a higher unlimited cashback rate for local spend than any other on the market, at 1.6% (v. 1.5%). While the difference may seem small, it quickly adds up at the highest spend levels.


                                                      Maybank FC Barcelona Card only rewards overseas spend with 2 points per S$1 (equal to 0.8 miles, or about 0.8%), and therefore is best fit for local spenders. However, the card comes with a few unique sporting benefits that set it apart, including discounts of up to 10% off at official FC Barcelona stores. Cardholders even have the chance to win a trip to see FC Barcelona play live, with travel and accommodations included. Finally, Maybank FC Barcelona is one of the few unlimited cards with a fee-waiver; cardholders who spend S$10,000/year are exempt. Ultimately, this is the best card for very wealthy local spenders looking to maximise cashback.

                                                      PROMO: GET S$100 CASH CREDIT
                                                      Maybank FC Barcelona offers one of the highest unlimited cashback rates on the market – 1.6%,. Only downside is that the rate applies to local spend only.
                                                      • Pros
                                                        • Affluent consumers spending S$6,500+/month
                                                        • High spenders with mostly local budgets
                                                        • Football fans–especially of FC Barcelona
                                                        • Cons
                                                          • Frequent travellers with high overseas spend
                                                          • People spending less than S$5,000/month
                                                          • Consumers who prioritise travel perks & privileges
                                                          • Annual fee: S$120
                                                          • 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’re an especially high spender with a mostly local budget, look no further than Maybank FC Barcelona Visa Signature Card.This card offers a higher unlimited cashback rate for local spend than any other on the market, at 1.6% (v. 1.5%). While the difference may seem small, it quickly adds up at the highest spend levels.


                                                          Maybank FC Barcelona Card only rewards overseas spend with 2 points per S$1 (equal to 0.8 miles, or about 0.8%), and therefore is best fit for local spenders. However, the card comes with a few unique sporting benefits that set it apart, including discounts of up to 10% off at official FC Barcelona stores. Cardholders even have the chance to win a trip to see FC Barcelona play live, with travel and accommodations included. Finally, Maybank FC Barcelona is one of the few unlimited cards with a fee-waiver; cardholders who spend S$10,000/year are exempt. Ultimately, this is the best card for very wealthy local spenders looking to maximise cashback.

                                                          CIMB World MasterCard: Uncapped Cashback for Wealthy Socialites

                                                          CIMB World MasterCard offers unlimited 2% cashback on dining, entertainment, duty free shopping and 1.5% unlimited cashback on other spend. Another benefits: travel and golf perks.
                                                          • Pros
                                                            • Great fit for big leisure budgets
                                                            • Rewards dining, entertainment and duty free shopping
                                                            • Perks for avid golfers
                                                            • No-fee & maintenance free cashback card
                                                            • Cons
                                                              • Lack cashback on essentials (ie groceries, bills)
                                                              • Doesn't reward airline & hotel spend
                                                              • Doesn't fit monthly budgets of S$3,000/month and below
                                                              • Annual fee: free for life
                                                              • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
                                                              • Unlimited 1.5% cashback on all other spend
                                                              • 50% off green fees at select fairways in Asia
                                                              • Free travel insurance, access to MasterCard Airport Experiences
                                                              • CIMB 0% Interest i.Pay Instalment Plan
                                                              If you’re an affluent socialite seeking cashback on leisure spend, CIMB World MasterCard is the best card available. Cardholders earn 2% unlimited cashback on wine & dine, entertainment, recreation, automobile & parking, petrol and spend at duty-free stores. General spend earns unlimited 1.5% cashback, which aligns with the market standard. In addition to these great rates, consumers also enjoy perks typically associated with travel cards, such as free travel insurance, lounge access and 50% off green fees at fairways across Asia. And, CIMB World Card is free forever. Ultimately, no other cashback card compares to CIMB World MasterCard for consumers with big social budgets.
                                                              CIMB World MasterCard offers unlimited 2% cashback on dining, entertainment, duty free shopping and 1.5% unlimited cashback on other spend. Another benefits: travel and golf perks.
                                                              • Pros
                                                                • Great fit for big leisure budgets
                                                                • Rewards dining, entertainment and duty free shopping
                                                                • Perks for avid golfers
                                                                • No-fee & maintenance free cashback card
                                                                • Cons
                                                                  • Lack cashback on essentials (ie groceries, bills)
                                                                  • Doesn't reward airline & hotel spend
                                                                  • Doesn't fit monthly budgets of S$3,000/month and below
                                                                  • Annual fee: free for life
                                                                  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
                                                                  • Unlimited 1.5% cashback on all other spend
                                                                  • 50% off green fees at select fairways in Asia
                                                                  • Free travel insurance, access to MasterCard Airport Experiences
                                                                  • CIMB 0% Interest i.Pay Instalment Plan

                                                                  If you’re an affluent socialite seeking cashback on leisure spend, CIMB World MasterCard is the best card available. Cardholders earn 2% unlimited cashback on wine & dine, entertainment, recreation, automobile & parking, petrol and spend at duty-free stores. General spend earns unlimited 1.5% cashback, which aligns with the market standard. In addition to these great rates, consumers also enjoy perks typically associated with travel cards, such as free travel insurance, lounge access and 50% off green fees at fairways across Asia. And, CIMB World Card is free forever. Ultimately, no other cashback card compares to CIMB World MasterCard for consumers with big social budgets.

                                                                  OCBC 90°N Card: Unlimited Rewards, Cashback + Miles

                                                                  OCBC 90°N Card has a rather flexible rewards structure offering customers access to both miles and cashback. In addition, miles don't expire, there are no conversion fees and no caps or min spend requirements.
                                                                  • Pros
                                                                    • Versatile rewards: cashback or miles
                                                                    • Cashback: Unltd. 1.2% locally, 2.1% overseas
                                                                    • Miles: 1.2 mi/S$1 locally, 2.1 mi overseas
                                                                    • Annual bonus worth S$100 or 10k mi
                                                                    • No conversion fees & rewards never expire
                                                                    • Cons
                                                                      • Local rates are less competitive
                                                                      • No category-specific rewards boosts
                                                                      • Perks limited to discounted lounge access
                                                                      • S$192.60 fee waived just 1 year
                                                                      • Annual fee: S$192.60 (first year - waived)
                                                                      • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
                                                                      • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
                                                                      • Cashback Option: 1.2% rebate locally, 2.1% overseas
                                                                      • No conversion fees & rewards never expire
                                                                      • Access to Mastercard Airport Experiences
                                                                      OCBC 90°N Card is the most flexible unlimited rewards card, allowing cardholders to seamlessly redeem their earnings as cashback, miles or both. Consumers technically earn Travel$, each of which are equal to S$0.01 cash rebate or 1 air mile. As such, cardholders can earn the equivalent of 1.2% unlimited local cashback and 2.1% overseas, or 1.2 miles per S$1 locally and 2.1 miles overseas. In both cases, OCBC 90°N Card's overseas rate is quite competitive, beating out the industry's standard rate.


                                                                      Perhaps most importantly, consumers can redeem their Travel$ without worrying about point devaluations (typical for cashback redemption) or conversion fees (often S$25+ per transfer). As such, it's easy to switch between miles and cashback depending on preference or needs. In the meantime, cardholders also enjoy discounted lounge access and a 10,000 annual Travel$ bonus (worth S$100 or 10k miles). Overall, affluent individuals interested in unlimited rewards–with the flexibility to change redemption type–should definitely consider OCBC 90°N Card.

                                                                      OCBC 90°N Card has a rather flexible rewards structure offering customers access to both miles and cashback. In addition, miles don't expire, there are no conversion fees and no caps or min spend requirements.
                                                                      • Pros
                                                                        • Versatile rewards: cashback or miles
                                                                        • Cashback: Unltd. 1.2% locally, 2.1% overseas
                                                                        • Miles: 1.2 mi/S$1 locally, 2.1 mi overseas
                                                                        • Annual bonus worth S$100 or 10k mi
                                                                        • No conversion fees & rewards never expire
                                                                        • Cons
                                                                          • Local rates are less competitive
                                                                          • No category-specific rewards boosts
                                                                          • Perks limited to discounted lounge access
                                                                          • S$192.60 fee waived just 1 year
                                                                          • Annual fee: S$192.60 (first year - waived)
                                                                          • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
                                                                          • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
                                                                          • Cashback Option: 1.2% rebate locally, 2.1% overseas
                                                                          • No conversion fees & rewards never expire
                                                                          • Access to Mastercard Airport Experiences

                                                                          OCBC 90°N Card is the most flexible unlimited rewards card, allowing cardholders to seamlessly redeem their earnings as cashback, miles or both. Consumers technically earn Travel$, each of which are equal to S$0.01 cash rebate or 1 air mile. As such, cardholders can earn the equivalent of 1.2% unlimited local cashback and 2.1% overseas, or 1.2 miles per S$1 locally and 2.1 miles overseas. In both cases, OCBC 90°N Card's overseas rate is quite competitive, beating out the industry's standard rate.


                                                                          Perhaps most importantly, consumers can redeem their Travel$ without worrying about point devaluations (typical for cashback redemption) or conversion fees (often S$25+ per transfer). As such, it's easy to switch between miles and cashback depending on preference or needs. In the meantime, cardholders also enjoy discounted lounge access and a 10,000 annual Travel$ bonus (worth S$100 or 10k miles). Overall, affluent individuals interested in unlimited rewards–with the flexibility to change redemption type–should definitely consider OCBC 90°N Card.

                                                                          HSBC Advance Card: Top Flat Rebate for Affluent Advance Customers

                                                                          PROMO: GET UP TO S$200 CASHBACK IN 1ST MO.
                                                                          HSBC Advance Credit Card
                                                                          HSBC Advance Credit Card
                                                                          HSBC Advance Card is a great card for affluent customers looking to have a relationship with HSBC. By satisfying a few conditions, the card offers 3.5% cashback capped at S$300/mo.
                                                                          • Pros
                                                                            • Great fit for budgets between S$2,000 and S$8,000/month
                                                                            • Easy, low-maintenance cashback
                                                                            • Cons
                                                                              • Not suitable for average or below-average spend
                                                                              • Lacks travel perks
                                                                              • Doesn't fit highly specialised spend behaviors
                                                                              • Annual fee: S$192.60 (first year- waived)
                                                                              • 2.5% base cashback on purchases of S$2,000 and above
                                                                              • 1% bonus cashback when deposit min S$2,000 per month
                                                                              • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
                                                                              • Visa Concierge and e-Commerce purchase protection
                                                                              HSBC Advance Card offers consumers spending at least S$2,000/month the opportunity to earn an incredible 3.5% cashback rate–the highest potential earning value on the market for capped cashback cards. Cardholders can earn 3.5% cashback, 2.5% base rate + 1% bonus rate, for spending at least S$2,000 and depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. With this bonus rate, monthly cashback is capped at S$300, which is S$3,600 per year in savings.


                                                                              It's worth mentioning that not depositing at least S$2,000 in fresh funds every month will mean that you cannot qualify for the bonus cashback of 1%, decreasing the cashback rate to 2.5% for spend above S$2,000 and 1.5% for spend below S$2,000. In addition, monthly cashback will be capped at S$70/month, dropping your annual savings from S$3,600 to just S$840.

                                                                              Overall, this card is perfect for higher spenders because while there’s a monthly cap, it’s very high, and the rebate rate is more than double that offered by unlimited cashback cards. Ultimately, it’s worth checking to see if you qualify for an HSBC account, because HSBC Advance Card offers an exceptional way to quickly maximise spend, with fewer restraints than other cashback cards.

                                                                              PROMO: GET UP TO S$200 CASHBACK IN 1ST MO.
                                                                              HSBC Advance Credit Card
                                                                              HSBC Advance Credit Card
                                                                              HSBC Advance Card is a great card for affluent customers looking to have a relationship with HSBC. By satisfying a few conditions, the card offers 3.5% cashback capped at S$300/mo.
                                                                              • Pros
                                                                                • Great fit for budgets between S$2,000 and S$8,000/month
                                                                                • Easy, low-maintenance cashback
                                                                                • Cons
                                                                                  • Not suitable for average or below-average spend
                                                                                  • Lacks travel perks
                                                                                  • Doesn't fit highly specialised spend behaviors
                                                                                  • Annual fee: S$192.60 (first year- waived)
                                                                                  • 2.5% base cashback on purchases of S$2,000 and above
                                                                                  • 1% bonus cashback when deposit min S$2,000 per month
                                                                                  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
                                                                                  • Visa Concierge and e-Commerce purchase protection

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


                                                                                  It's worth mentioning that not depositing at least S$2,000 in fresh funds every month will mean that you cannot qualify for the bonus cashback of 1%, decreasing the cashback rate to 2.5% for spend above S$2,000 and 1.5% for spend below S$2,000. In addition, monthly cashback will be capped at S$70/month, dropping your annual savings from S$3,600 to just S$840.

                                                                                  Overall, this card is perfect for higher spenders because while there’s a monthly cap, it’s very high, and the rebate rate is more than double that offered by unlimited cashback cards. Ultimately, it’s worth checking to see if you qualify for an HSBC account, because HSBC Advance Card offers an exceptional way to quickly maximise spend, with fewer restraints than other cashback cards.

                                                                                  Best Credit Cards with Luxury Perks for High-Earners

                                                                                  If you’re an affluent consumer and don’t mind paying a high fee for elite privileges, you may be interested in these cards.

                                                                                  Citi Prestige MasterCard: Exclusive Global Perks & Privileges

                                                                                  Citi Prestige is a great card for frequent travellers, offering high rewards on food delivery and home entertainment (4mi/S$1), overseas and local. Additional benefits: golf and travel perks.
                                                                                  • Pros
                                                                                    • Great luxury benefits
                                                                                    • Ideal for higher budgets
                                                                                    • Great golfing and travel perks
                                                                                    • Cons
                                                                                      • Very high annual fees
                                                                                      • Unsuitable for moderate budgets
                                                                                      • Annual fee: S$535
                                                                                      • 4 miles per S$1 spend on food delivery and home entertainment
                                                                                      • 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 is the absolute best travel card on the market for luxury travel benefits. Cardholders enjoy unlimited airport lounge access, free bonus hotel nights, complimentary limo transfers, access to JetQuay, golfing privileges, free travel insurance and so much more. In addition, cardholders earn top rewards rates of 1.3 miles per S$1 locally and 2 miles overseas, plus an annual bonus of up to 30% based on tenure of relationship with Citibank. As if that weren’t enough, cardholders receive 25,000 bonus renewal miles per year (worth S$250), which substantially offset the S$535 fee. Finally, cardholders can earn miles for spend on taxes, rent, recurring bills and more when paying through Citi PayAll. Overall, while expensive, Citi Prestige Card more than makes up for its cost with the value of its luxury benefits and top rewards rates.
                                                                                      Citi Prestige is a great card for frequent travellers, offering high rewards on food delivery and home entertainment (4mi/S$1), overseas and local. Additional benefits: golf and travel perks.
                                                                                      • Pros
                                                                                        • Great luxury benefits
                                                                                        • Ideal for higher budgets
                                                                                        • Great golfing and travel perks
                                                                                        • Cons
                                                                                          • Very high annual fees
                                                                                          • Unsuitable for moderate budgets
                                                                                          • Annual fee: S$535
                                                                                          • 4 miles per S$1 spend on food delivery and home entertainment
                                                                                          • 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 is the absolute best travel card on the market for luxury travel benefits. Cardholders enjoy unlimited airport lounge access, free bonus hotel nights, complimentary limo transfers, access to JetQuay, golfing privileges, free travel insurance and so much more. In addition, cardholders earn top rewards rates of 1.3 miles per S$1 locally and 2 miles overseas, plus an annual bonus of up to 30% based on tenure of relationship with Citibank. As if that weren’t enough, cardholders receive 25,000 bonus renewal miles per year (worth S$250), which substantially offset the S$535 fee. Finally, cardholders can earn miles for spend on taxes, rent, recurring bills and more when paying through Citi PayAll. Overall, while expensive, Citi Prestige Card more than makes up for its cost with the value of its luxury benefits and top rewards rates.

                                                                                          American Express Platinum Credit Card: Elite Local Privileges

                                                                                          PROMO: GET FREE 1NIGHT STAY AT FULLERTON HOTEL
                                                                                          American Express Platinum Credit Card is a luxury card offering great deals (up to 50% off) on premium dining and lifestyle. S$1.60 spend earns 10 membership points or 5.5 miles.
                                                                                          • Pros
                                                                                            • Exclusive local privileges
                                                                                            • Great local dining discounts and rewards on designer brands
                                                                                            • Cons
                                                                                              • Lacks luxury travel perks
                                                                                              • Limited miles accrual
                                                                                              • 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
                                                                                              American Express Platinum Card is one of the best luxury cards for affluent Singaporeans interested primarily in local perks. Cardholders enjoy a myriad of privileges, including exclusive Amex-driven dining perks: up to 50% off hotel buffets & more through the Love Dining programme, free items and discounts at over 400 specialty restaurants with Taste from Amex Invites, and additional privileges through Amex Global Dining. Cardholders also have access to lifestyle and health & wellness perks, such as spa discounts with Platinum Wellness and complimentary green fees.


                                                                                              While Amex Platinum is a particularly perks-driven card, consumers still have the opportunity to earn rewards for their spend. Cardholders earn 0.69 miles (1.25 pts) per S$1 general spend, boosted to 3.44 miles (6.25 pts) with select boutiques and luxury vendors. However, there is a S$321 annual fee, so cardholders are most likely to benefit if they take full advantage of all of its value-adding privileges.

                                                                                              PROMO: GET FREE 1NIGHT STAY AT FULLERTON HOTEL
                                                                                              American Express Platinum Credit Card is a luxury card offering great deals (up to 50% off) on premium dining and lifestyle. S$1.60 spend earns 10 membership points or 5.5 miles.
                                                                                              • Pros
                                                                                                • Exclusive local privileges
                                                                                                • Great local dining discounts and rewards on designer brands
                                                                                                • Cons
                                                                                                  • Lacks luxury travel perks
                                                                                                  • Limited miles accrual
                                                                                                  • 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

                                                                                                  American Express Platinum Card is one of the best luxury cards for affluent Singaporeans interested primarily in local perks. Cardholders enjoy a myriad of privileges, including exclusive Amex-driven dining perks: up to 50% off hotel buffets & more through the Love Dining programme, free items and discounts at over 400 specialty restaurants with Taste from Amex Invites, and additional privileges through Amex Global Dining. Cardholders also have access to lifestyle and health & wellness perks, such as spa discounts with Platinum Wellness and complimentary green fees.


                                                                                                  While Amex Platinum is a particularly perks-driven card, consumers still have the opportunity to earn rewards for their spend. Cardholders earn 0.69 miles (1.25 pts) per S$1 general spend, boosted to 3.44 miles (6.25 pts) with select boutiques and luxury vendors. However, there is a S$321 annual fee, so cardholders are most likely to benefit if they take full advantage of all of its value-adding privileges.

                                                                                                  OCBC Voyage: Luxury Perks + Boost for Local Dining

                                                                                                  PROMO: GET 15,000 VOYAGE MILES
                                                                                                  OCBC Voyage Card is a good option for wealthy customers looking to earn miles on overseas spend. In addition, the card offers many travel perks.
                                                                                                  • Pros
                                                                                                    • 2.2 miles per S$1 overseas and dining spend
                                                                                                    • 1.3 miles per S$1 local general
                                                                                                    • 15,000 annual bonus renewal miles (worth S$150)
                                                                                                    • Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more
                                                                                                    • Up to 19% fuel savings with Caltex
                                                                                                    • Cons
                                                                                                      • High S$488 annual fee (no waiver)
                                                                                                      • Recurring bills ineligible for rewards
                                                                                                      • Access to limo transfers requires S$3,000 minimum spend
                                                                                                      • Annual fee: S$488 (with 15,000 VOYAGE Miles)
                                                                                                      • 2.2 miles per S$1 overseas and dining spend
                                                                                                      • 1.3 miles per S$1 local spend
                                                                                                      • 1 mile per S$1 spend on AXS Pay + Earn transactions
                                                                                                      • Up to 19% fuel savings with Caltex
                                                                                                      • No miles conversion fees and no black-out dates
                                                                                                      • Unlimited lounge access, free travel insurance and VISA Infinite Exclusive Benefits
                                                                                                      • 2 complimentary limo transfers/mo with S$5,000 min spend (local or overseas)
                                                                                                      • eCommerce purchase protection
                                                                                                      OCBC Voyage Card is the best miles-earning card for affluent consumers with a shifting travel schedule. Cardholders earn 2.2 miles per S$1 overseas and 1.3 miles per S$1 local spend. In addition, cardholders can redeem their miles with no conversion fees and without black-out dates, making OCBC Voyage Card especially flexible.


                                                                                                      While OCBC Voyage Card has a rather high S$488 fee, it also comes with a variety of luxury travel privileges that make up for this cost. Cardholders receive unlimited lounge access, complimentary limo transfers, free travel insurance, golfing privileges across SE Asia and more. Most cards offering these perks come with even higher fees. Ultimately, OCBC Voyage Card provides affluent travellers with great flexibility both in earning and redeeming miles, plus access to top-notch perks.

                                                                                                      PROMO: GET 15,000 VOYAGE MILES
                                                                                                      OCBC Voyage Card is a good option for wealthy customers looking to earn miles on overseas spend. In addition, the card offers many travel perks.
                                                                                                      • Pros
                                                                                                        • 2.2 miles per S$1 overseas and dining spend
                                                                                                        • 1.3 miles per S$1 local general
                                                                                                        • 15,000 annual bonus renewal miles (worth S$150)
                                                                                                        • Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more
                                                                                                        • Up to 19% fuel savings with Caltex
                                                                                                        • Cons
                                                                                                          • High S$488 annual fee (no waiver)
                                                                                                          • Recurring bills ineligible for rewards
                                                                                                          • Access to limo transfers requires S$3,000 minimum spend
                                                                                                          • Annual fee: S$488 (with 15,000 VOYAGE Miles)
                                                                                                          • 2.2 miles per S$1 overseas and dining spend
                                                                                                          • 1.3 miles per S$1 local spend
                                                                                                          • 1 mile per S$1 spend on AXS Pay + Earn transactions
                                                                                                          • Up to 19% fuel savings with Caltex
                                                                                                          • No miles conversion fees and no black-out dates
                                                                                                          • Unlimited lounge access, free travel insurance and VISA Infinite Exclusive Benefits
                                                                                                          • 2 complimentary limo transfers/mo with S$5,000 min spend (local or overseas)
                                                                                                          • eCommerce purchase protection

                                                                                                          OCBC Voyage Card is the best miles-earning card for affluent consumers with a shifting travel schedule. Cardholders earn 2.2 miles per S$1 overseas and 1.3 miles per S$1 local spend. In addition, cardholders can redeem their miles with no conversion fees and without black-out dates, making OCBC Voyage Card especially flexible.


                                                                                                          While OCBC Voyage Card has a rather high S$488 fee, it also comes with a variety of luxury travel privileges that make up for this cost. Cardholders receive unlimited lounge access, complimentary limo transfers, free travel insurance, golfing privileges across SE Asia and more. Most cards offering these perks come with even higher fees. Ultimately, OCBC Voyage Card provides affluent travellers with great flexibility both in earning and redeeming miles, plus access to top-notch perks.

                                                                                                          Best Credit Cards for High Earners with Golfing Privileges

                                                                                                          Affluent golfers can access no-fee privileges with the following cards.

                                                                                                          CIMB Visa Infinite Card: Uncapped Cashback for Affluent Travellers

                                                                                                          CIMB Visa Infinite Card offers 2% unlimited cashback on travel, overseas and online foreign spend and 1% unlimited cashback on all other spend. Additional perks: travel privileges.
                                                                                                          • Pros
                                                                                                            • Best fit for monthly budgets above S$2,000
                                                                                                            • Unlimited 2% cashback on travel, overseas and online
                                                                                                            • No annual fee credit card
                                                                                                            • Cons
                                                                                                              • Not suitable for spenders with local budgets
                                                                                                              • Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers
                                                                                                              • Annual fee: free for life
                                                                                                              • Unlimited 2% cashback on all travel and overseas spend
                                                                                                              • Unlimited 2% cashback on online spend in foreign currencies
                                                                                                              • Unlimited 1% cashback on all other spend
                                                                                                              • Complimentary green fees at 108 fairways across 16 countries
                                                                                                              • Free travel insurance, 3 complimentary access to airport lounges
                                                                                                              • Visa Infinite Concierge
                                                                                                              • CIMB 0% Interest i.Pay Instalment Plan
                                                                                                              CIMB Visa Infinite Card is the best no-fee unlimited cashback card for wealthy travellers–especially those who like to golf. While direct competitors offer between 0.8% to 1.5% unlimited rebate, CIMB Visa Infinite offers 1% flat cashback on general spend and 2% on all travel, overseas, and foreign currency transactions. Cardholders must spend at least S$2,000 to access the 2% rate, but for affluent consumers this isn’t a stretch. In addition, CIMB Visa Infinite Card comes with perks usually associated with travel cards, like free travel insurance, lounge access, and discounted limo transfers. Cardholders can also enjoy waived green fees at 108 fairways worldwide. And, above all, CIMB Visa Infinite Card is free forever. If you’re a high-spending traveller who prefers cashback to miles, look no further than CIMB Visa Infinite Card.
                                                                                                              CIMB Visa Infinite Card offers 2% unlimited cashback on travel, overseas and online foreign spend and 1% unlimited cashback on all other spend. Additional perks: travel privileges.
                                                                                                              • Pros
                                                                                                                • Best fit for monthly budgets above S$2,000
                                                                                                                • Unlimited 2% cashback on travel, overseas and online
                                                                                                                • No annual fee credit card
                                                                                                                • Cons
                                                                                                                  • Not suitable for spenders with local budgets
                                                                                                                  • Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers
                                                                                                                  • Annual fee: free for life
                                                                                                                  • Unlimited 2% cashback on all travel and overseas spend
                                                                                                                  • Unlimited 2% cashback on online spend in foreign currencies
                                                                                                                  • Unlimited 1% cashback on all other spend
                                                                                                                  • Complimentary green fees at 108 fairways across 16 countries
                                                                                                                  • Free travel insurance, 3 complimentary access to airport lounges
                                                                                                                  • Visa Infinite Concierge
                                                                                                                  • CIMB 0% Interest i.Pay Instalment Plan

                                                                                                                  CIMB Visa Infinite Card is the best no-fee unlimited cashback card for wealthy travellers–especially those who like to golf. While direct competitors offer between 0.8% to 1.5% unlimited rebate, CIMB Visa Infinite offers 1% flat cashback on general spend and 2% on all travel, overseas, and foreign currency transactions. Cardholders must spend at least S$2,000 to access the 2% rate, but for affluent consumers this isn’t a stretch. In addition, CIMB Visa Infinite Card comes with perks usually associated with travel cards, like free travel insurance, lounge access, and discounted limo transfers. Cardholders can also enjoy waived green fees at 108 fairways worldwide. And, above all, CIMB Visa Infinite Card is free forever. If you’re a high-spending traveller who prefers cashback to miles, look no further than CIMB Visa Infinite Card.

                                                                                                                  Maybank World MasterCard: Best Miles Card for Golfing Privileges

                                                                                                                  PROMO: GET S$100 CASH CREDIT
                                                                                                                  Maybank World MasterCard awards 4mi/S$1 spend at hotels, as well as petrol in SG. In addition, it offers a variety of discounts and privileges for golfers and travellers.
                                                                                                                  • Pros
                                                                                                                    • Great perks for golfers who enjoy local and global courses
                                                                                                                    • Good fit for budgets between S$1,000 to S$2,000 monthly
                                                                                                                    • Awards dining and high-end retail shopping
                                                                                                                    • Cons
                                                                                                                      • Not a good fit for non-golfers or infrequent golfers
                                                                                                                      • Doesn't reward everyday spend
                                                                                                                      • Lacks travel perks and privileges
                                                                                                                      • Annual fee: S$240 (first year- waived)
                                                                                                                      • Subsequent annual fee is waived with min annual spend of S$24,000
                                                                                                                      • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Club21 and more)
                                                                                                                      • Complimentary green fees all year round at 100 participating golf clubs in 23 countries
                                                                                                                      • Free travel insurance, lounge access & global concierge
                                                                                                                      • Pair with Corporate Fuel Card for petrol discounts up to 19.1%
                                                                                                                      If you prioritise golf perks and would like to earn miles, Maybank World MasterCard is simply the best card for you. Cardholders receive 2 free green fees per month at 120 fairways across 25 countries–no other card offers such a comprehensive set of privileges. In addition, cardholders receive free travel insurance and airport lounge access. In terms of rewards, each S$1 spend with select dining and luxury retail merchants earns 10 points (4 miles). Cardholders can even earn a fee-waiver with S$24,000 annual spend. Ultimately, Maybank World MasterCard is the best miles-earning card for golfers, with extra rewards for luxury spend.
                                                                                                                      PROMO: GET S$100 CASH CREDIT
                                                                                                                      Maybank World MasterCard awards 4mi/S$1 spend at hotels, as well as petrol in SG. In addition, it offers a variety of discounts and privileges for golfers and travellers.
                                                                                                                      • Pros
                                                                                                                        • Great perks for golfers who enjoy local and global courses
                                                                                                                        • Good fit for budgets between S$1,000 to S$2,000 monthly
                                                                                                                        • Awards dining and high-end retail shopping
                                                                                                                        • Cons
                                                                                                                          • Not a good fit for non-golfers or infrequent golfers
                                                                                                                          • Doesn't reward everyday spend
                                                                                                                          • Lacks travel perks and privileges
                                                                                                                          • Annual fee: S$240 (first year- waived)
                                                                                                                          • Subsequent annual fee is waived with min annual spend of S$24,000
                                                                                                                          • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Club21 and more)
                                                                                                                          • Complimentary green fees all year round at 100 participating golf clubs in 23 countries
                                                                                                                          • Free travel insurance, lounge access & global concierge
                                                                                                                          • Pair with Corporate Fuel Card for petrol discounts up to 19.1%

                                                                                                                          If you prioritise golf perks and would like to earn miles, Maybank World MasterCard is simply the best card for you. Cardholders receive 2 free green fees per month at 120 fairways across 25 countries–no other card offers such a comprehensive set of privileges. In addition, cardholders receive free travel insurance and airport lounge access. In terms of rewards, each S$1 spend with select dining and luxury retail merchants earns 10 points (4 miles). Cardholders can even earn a fee-waiver with S$24,000 annual spend. Ultimately, Maybank World MasterCard is the best miles-earning card for golfers, with extra rewards for luxury spend.

                                                                                                                          Best Credit Cards for Affluent Business Travellers

                                                                                                                          We’ve selected the best cards on the market for business travellers in terms of comfort & convenience, high overseas rewards rates, and a few added benefits (like rewards for banking).

                                                                                                                          HSBC Visa Infinite: Best Travel Card for Airport Perks

                                                                                                                          HSBC Visa Infinite Credit Card
                                                                                                                          HSBC Visa Infinite Credit Card
                                                                                                                          HSBC Visa Infinite is a great fit for those who love to travel and dine in style, offering discounts at luxury hotels and restaurants as well as VIP travel perks.
                                                                                                                          • Annual fee: S$650 (S$488 for HSBC Premier customers)
                                                                                                                          • 1st Year: 1 mile per S$1 local spend, 2 miles overseas
                                                                                                                          • Thereafter: 1.25 miles per S$1 local spend, 2.25 miles overseas (with S$50,000 annual spend)
                                                                                                                          • Unlimited lounge access, travel insurance, golfing privileges, free limo transfers & expedited immigration clearance (1x/S$2,000 spend, up to 24x/year)
                                                                                                                          • Up to 20.2% fuel savings with Caltex, 14% with Shell
                                                                                                                          HSBC Visa Infinite Card stands out first and foremost for its exceptional airport benefits, making it one of the best cards for affluent business travellers. While rewards rates are rather low for a travel card (1 mile per S$1 locally & 2 miles overseas during 1st year, 1.25 locally & 2.25 overseas subsequently with S$50,000 annual spend), cardholders can enjoy unique perks like expedited immigration clearance. Cardholders also receive unlimited lounge access, free limo transfers and travel insurance, making travel far more comfortable and convenient. While there’s a remarkably high S$650 fee, it’s discounted to S$488 for HSBC Premier customers and may well be worth it for its premium perks for frequent travellers.
                                                                                                                          HSBC Visa Infinite Credit Card
                                                                                                                          HSBC Visa Infinite Credit Card
                                                                                                                          HSBC Visa Infinite is a great fit for those who love to travel and dine in style, offering discounts at luxury hotels and restaurants as well as VIP travel perks.
                                                                                                                          • Annual fee: S$650 (S$488 for HSBC Premier customers)
                                                                                                                          • 1st Year: 1 mile per S$1 local spend, 2 miles overseas
                                                                                                                          • Thereafter: 1.25 miles per S$1 local spend, 2.25 miles overseas (with S$50,000 annual spend)
                                                                                                                          • Unlimited lounge access, travel insurance, golfing privileges, free limo transfers & expedited immigration clearance (1x/S$2,000 spend, up to 24x/year)
                                                                                                                          • Up to 20.2% fuel savings with Caltex, 14% with Shell

                                                                                                                          HSBC Visa Infinite Card stands out first and foremost for its exceptional airport benefits, making it one of the best cards for affluent business travellers. While rewards rates are rather low for a travel card (1 mile per S$1 locally & 2 miles overseas during 1st year, 1.25 locally & 2.25 overseas subsequently with S$50,000 annual spend), cardholders can enjoy unique perks like expedited immigration clearance. Cardholders also receive unlimited lounge access, free limo transfers and travel insurance, making travel far more comfortable and convenient. While there’s a remarkably high S$650 fee, it’s discounted to S$488 for HSBC Premier customers and may well be worth it for its premium perks for frequent travellers.

                                                                                                                          Standard Chartered Visa Infinite: Miles for Overseas & Tax-Pay

                                                                                                                          PROMO: GET 35K MILES GIFT
                                                                                                                          Standard Chartered Visa Infinite Credit Card
                                                                                                                          Standard Chartered Visa Infinite Credit Card
                                                                                                                          Standard Chartered Visa Infinite X offers 30,000 miles as a sign-up bonus, 3mi/S$1 overseas spend, and a wide variety of travel perks. Additional perk: charge your income tax to your card and earn rewards.
                                                                                                                          • Pros
                                                                                                                            • Great rewards for high overseas spend
                                                                                                                            • Rewards banking activity
                                                                                                                            • Cons
                                                                                                                              • Not suitable for average spenders who mostly buy local essentials
                                                                                                                              • Annual fee
                                                                                                                              • Annual fee: S$588.50 (no waiver)
                                                                                                                              • 1 mile/S$1 spent in local and foreign currency (base rate)
                                                                                                                              • Additional 0.4 miles/S$1 local spend and 2 miles/S$1 overseas spend when min eligible spend of S$2,000 is made
                                                                                                                              • Income tax payments eligible for 360°Rewards Points
                                                                                                                              • 35,000 welcome miles (worth S$350)
                                                                                                                              • Up to 20% fuel savings at Caltex
                                                                                                                              Standard Chartered Visa Infinite Card is perfect for affluent business travellers because it not only offers the best rewards rates on the market–1.4 miles per S$1 local spend, 3 miles overseas–it also rewards banking activity. While almost all other cards exclude banking transactions, SC Visa Infinite Card actively rewards cardholders for income tax payments, fixed deposits, investments, savings accounts, mortgage loans and more.


                                                                                                                              Another SC Visa Infinite Card benefit is access to top-notch travel perks. Cardholders are given a free yacht hire, 6 airport lounge visits per year, free travel insurance, Hertz Asia privileges, regional golfing privileges and more. While there’s a S$588.5 fee, these perks balance the cost. In addition, new cardmembers receive 35,000 welcome miles (worth S$350) which further offset cost. Ultimately, SC Visa Infinite Card is the best option on the market for business travellers with high overseas spend, especially for those seeking rewards for banking activity.

                                                                                                                              PROMO: GET 35K MILES GIFT
                                                                                                                              Standard Chartered Visa Infinite Credit Card
                                                                                                                              Standard Chartered Visa Infinite Credit Card
                                                                                                                              Standard Chartered Visa Infinite X offers 30,000 miles as a sign-up bonus, 3mi/S$1 overseas spend, and a wide variety of travel perks. Additional perk: charge your income tax to your card and earn rewards.
                                                                                                                              • Pros
                                                                                                                                • Great rewards for high overseas spend
                                                                                                                                • Rewards banking activity
                                                                                                                                • Cons
                                                                                                                                  • Not suitable for average spenders who mostly buy local essentials
                                                                                                                                  • Annual fee
                                                                                                                                  • Annual fee: S$588.50 (no waiver)
                                                                                                                                  • 1 mile/S$1 spent in local and foreign currency (base rate)
                                                                                                                                  • Additional 0.4 miles/S$1 local spend and 2 miles/S$1 overseas spend when min eligible spend of S$2,000 is made
                                                                                                                                  • Income tax payments eligible for 360°Rewards Points
                                                                                                                                  • 35,000 welcome miles (worth S$350)
                                                                                                                                  • Up to 20% fuel savings at Caltex

                                                                                                                                  Standard Chartered Visa Infinite Card is perfect for affluent business travellers because it not only offers the best rewards rates on the market–1.4 miles per S$1 local spend, 3 miles overseas–it also rewards banking activity. While almost all other cards exclude banking transactions, SC Visa Infinite Card actively rewards cardholders for income tax payments, fixed deposits, investments, savings accounts, mortgage loans and more.


                                                                                                                                  Another SC Visa Infinite Card benefit is access to top-notch travel perks. Cardholders are given a free yacht hire, 6 airport lounge visits per year, free travel insurance, Hertz Asia privileges, regional golfing privileges and more. While there’s a S$588.5 fee, these perks balance the cost. In addition, new cardmembers receive 35,000 welcome miles (worth S$350) which further offset cost. Ultimately, SC Visa Infinite Card is the best option on the market for business travellers with high overseas spend, especially for those seeking rewards for banking activity.

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

                                                                                                                                  Zoryana Melesh

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

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