Best Credit Cards with Klook Promo Codes 2020

If you're already saving on vacation planning by booking your flight and hotel online, you might also want to consider booking activities through Klook. To help you save, we've aggregated all of the Klook promo codes currently offered by credit card issuers, with added information on their requirements and expiration. As only cardmembers can take advantage of these discounts, we've also included reviews of the best qualifying cards.

Best DBS & POSB Credit Cards with Klook Promos
Best UOB Credit Card with Klook Promos
  • UOB One: Highest flat rebate on the market, earn up to $300/qtr
Best Citibank Credit Cards with Klook Promos
Best American Express Credit Cards with Klook Promos
Best OCBC Credit Cards with Klook Promos
  • OCBC 365: 6% rebate on dining, 3% rebate on utilities and travel, Visa Concierge Services
  • OCBC Frank: Up to 6% rebate for FX, online, and mobile purchases, low S$600 min. spend requirement
Best HSBC Credit Cards with Klook Promos
Best Maybank Credit Cards with Klook Promos

Compare the Best Credit Cards with Klook Promo Codes in Singapore by Dollar Value

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

A graph displaying how the best credit cards with Klook promo codes compare to one another in terms of their rewards
Best Credit Cards with Klook Promo Codes in Singapore by Estimated 2-Year Dollar Value
Best DBS & POSB Cards w/ Klook Promos Best UOB Cards w/ Klook Promos Best Citibank Cards w/ Klook Promos Best Amex Cards w/ Klook Promos Best OCBC Cards w/ Klook Promos Best HSBC Cards w/ Klook Promos Best Maybank Cards w/ Klook Promos

Compare Credit Cards with Klook Promo Codes by Dollar Value

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

A graph displaying how the best credit cards with Klook promo codes compare to one another in terms of their rewards
Best Credit Cards with Klook Promo Codes in Singapore by Estimated 2-Year Dollar Value

Everything You Need to Know About Saving on Klook

Vacations are expensive and can be difficult to plan. Fortunately, several booking platforms, like Agoda and Expedia, make it easy to book you flight and hotel ahead of time. Vacations are about more than just travel and accommodations, however, and that's where Klook comes in. Klook offers consumers the opportunity to search through a curated collection of sight-seeing tours, day excursions, amusement parks and other adventures to book activities for their upcoming trip.

Fortunately, booking through Klook can be more than convenient–it can also be quite cost-effective. Klook has partnered with several banks to offer special discounts on a wide variety of travel activities. With the right credit card, it's possible to earn miles or cashback on each purchase while simultaneously saving up to 8%+ at checkout. You simply must enter the promo code where prompted and then pay with your bank credit card. We've aggregated all of the best Klook promo codes by bank here, providing additional reviews of qualifying credit cards below.

DBS & POSB Credit Cards & Klook Promo Codes (Mar 2021):

Current Promo:Code:Expires:
5% off Activities & Experiences (up to US$10)DBSKLK
(See Klook or bank website for details)

By entering a Klook promo code and using your DBS or POSB card to pay at checkout, you can easily enjoy discounts on ticket bookings and leisure activities. Here are a few great DBS & POSB cards worth considering.

DBS Altitude Visa: Exclusive Perks & Easy Fee-Waiver

  • Free lounge access & golf privileges, waivable fee
  • Promotions: Use code 150CASH and spend min S$800 within first 2 months to get S$150 cashback or use code ALTAF or DBSALT to get up to 38,000 as a welcome gift miles with min spend of S$6,000 with first 90 days from card approval (valid until June 30, 2021)
  • Use code DBSALT to enjoy first-year annual fee waiver and 10,000 miles as a sign-up bonus
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you're a traveller seeking affordable luxury perks, look no further than DBS Altitude Visa Card. Cardholders earn at reasonably competitive base rates–1.2 miles per S$1 spend locally and 2 miles overseas–boosted to 3 miles for online hotel & flight bookings. What really stands out, however, is DBS Altitude's impressive array of benefits. These include 2 free lounge visits each year, complimentary travel insurance, discounted green fees and more. Travel cards with similar privileges are often expensive, but DBS Altitude's reasonable S$192.6 fee waived completely with S$25k annual spend (about S$2,083/month). Those who cannot achieve this fee waiver receive 10,000 renewal miles instead (worth S$100). All in all, DBS Altitude Visa Card is by far the most affordable amongst travel cards offering luxury benefits.
  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: Use code 150CASH and spend min S$800 within first 2 months to get S$150 cashback or use code ALTAF or DBSALT to get up to 38,000 as a welcome gift miles with min spend of S$6,000 with first 90 days from card approval (valid until June 30, 2021)
  • Use code DBSALT to enjoy first-year annual fee waiver and 10,000 miles as a sign-up bonus
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you're a traveller seeking affordable luxury perks, look no further than DBS Altitude Visa Card. Cardholders earn at reasonably competitive base rates–1.2 miles per S$1 spend locally and 2 miles overseas–boosted to 3 miles for online hotel & flight bookings. What really stands out, however, is DBS Altitude's impressive array of benefits. These include 2 free lounge visits each year, complimentary travel insurance, discounted green fees and more. Travel cards with similar privileges are often expensive, but DBS Altitude's reasonable S$192.6 fee waived completely with S$25k annual spend (about S$2,083/month). Those who cannot achieve this fee waiver receive 10,000 renewal miles instead (worth S$100). All in all, DBS Altitude Visa Card is by far the most affordable amongst travel cards offering luxury benefits.

DBS Live Fresh: Rebates for Online & Contactless Spend

  • Up to 5% rebates on online & contactless spend
  • Promotions: Use code 150CASH and spend min S$800 within first 2 months to get S$150 cashback (until June 30, 2021)
  • Use code: DBS10OFF300 to get S$10 off min spend of S$300 at PRISM+ (until July 31,2021)
  • 15% off Gaming Room PC with min 2hrs booking at Reality Rift Arena (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo functionality
  • S$18 off Klook Activities w/ S$180 min. spend (Code: KLOOKWC)
Modern spenders can quickly maximise rewards on nearly all of their spend with DBS Live Fresh Card. Cardholders earn 5% cashback on online and contactless spend (Apple Pay, Google Pay, Samsung Pay & more), unlocked after reaching a S$600 minimum spend requirement. Rewards are capped at S$60/month, which can be maxed out with just S$1,200 spend–very achievable for those who are comfortable paying with digital wallets. Ultimately, cardholders can earn up to S$720/year in rewards. While there's a S$192.6 annual fee, it's waived completely for the 1st year. Overall, DBS Live Fresh Card is a great match for modern consumers who don't mind making daily purchases via contactless spend.
  • Stand-Out: Up to 5% rebates on online & contactless spend
  • Promotions: Use code 150CASH and spend min S$800 within first 2 months to get S$150 cashback (until June 30, 2021)
  • Use code: DBS10OFF300 to get S$10 off min spend of S$300 at PRISM+ (until July 31,2021)
  • 15% off Gaming Room PC with min 2hrs booking at Reality Rift Arena (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo
  • S$18 off Klook Activities w/ S$180 min. spend (Code: KLOOKWC)
Modern spenders can quickly maximise rewards on nearly all of their spend with DBS Live Fresh Card. Cardholders earn 5% cashback on online and contactless spend (Apple Pay, Google Pay, Samsung Pay & more), unlocked after reaching a S$600 minimum spend requirement. Rewards are capped at S$60/month, which can be maxed out with just S$1,200 spend–very achievable for those who are comfortable paying with digital wallets. Ultimately, cardholders can earn up to S$720/year in rewards. While there's a S$192.6 annual fee, it's waived completely for the 1st year. Overall, DBS Live Fresh Card is a great match for modern consumers who don't mind making daily purchases via contactless spend.

DBS Woman's World: 0% Instal Plan + Online Shopping Miles

  • Up to 4 miles/S$1 spend on online shopping
  • Promotions: Use code 150CASH and spend min S$800 within first 2 months to get S$150 cashback (until June 30, 2021)
  • Charge min S$25,000 to receive an annual fee waiver
  • 25% off staycation at Raffles Singapore with promo code: NHHH (until Mar. 31,2021) + 7% off at Chu Collagen (until Dec.31,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • 0.4 miles per S$1 locally, 1.2 miles overseas
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
  • S$18 off Klook Activities w/ S$180 min. spend (Code: KLOOKWC)
DBS Woman’s World Card is a great match for frequent online shoppers who often make large purchases and pay them off over time. Cardholders earn 4 miles per S$1 spend on online shopping, up to 8,000 miles/month (achieved with S$2,000 spend). Those who spend slightly more–about S$2,083/month–not only max out their rewards, but also receive an annual fee waiver. Other spend earns 0.4 miles locally and 1.2 miles overseas, however, so this card is only really competitive for frequent shoppers.


Shoppers may also be interested in DBS Woman's World Card's 0% interest instalment plan. Cardholders can split transactions of S$100+ across up to 12 months without having to pay a processing fee for using the service. Altogether, DBS Woman's World is a great option for frequent shoppers who may not always be able to pay for their purchases upfront.

  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Promotions: Use code 150CASH and spend min S$800 within first 2 months to get S$150 cashback (until June 30, 2021)
  • Charge min S$25,000 to receive an annual fee waiver
  • 25% off staycation at Raffles Singapore with promo code: NHHH (until Mar. 31,2021) + 7% off at Chu Collagen (until Dec.31,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • 0.4 miles per S$1 locally, 1.2 miles overseas
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
  • S$18 off Klook Activities w/ S$180 min. spend (Code: KLOOKWC)
DBS Woman’s World Card is a great match for frequent online shoppers who often make large purchases and pay them off over time. Cardholders earn 4 miles per S$1 spend on online shopping, up to 8,000 miles/month (achieved with S$2,000 spend). Those who spend slightly more–about S$2,083/month–not only max out their rewards, but also receive an annual fee waiver. Other spend earns 0.4 miles locally and 1.2 miles overseas, however, so this card is only really competitive for frequent shoppers.


Shoppers may also be interested in DBS Woman's World Card's 0% interest instalment plan. Cardholders can split transactions of S$100+ across up to 12 months without having to pay a processing fee for using the service. Altogether, DBS Woman's World is a great option for frequent shoppers who may not always be able to pay for their purchases upfront.

UOB Credit Cards & Klook Promo Codes (Mar 2021):

Current Promo:Code:Expires:
5% off Activities (up to S$10)KLOOKUOB20
S$5 off Activities, min. S$50 spend (1st time users)KLOOKUOBNEW

If you've found a great Klook promotion, be sure to use it to its max. In many cases, you can apply a Klook promo code to up to 3 different transactions. Always remember to check the fine print to be sure. Here's a great UOB credit card to help pay at checkout.

UOB One Credit Card: Flat Rebate w/ Boost for Travel Bookings

  • Up to 5% rebate on all spend, S$300/quarter
  • Promotions: New cardholders get S$150 cash credit w/ min spend of S$1,500 within 30 days of approval (unitl Feb.28,2021)
  • New cardholders get S$80 cash w/ min deposit of S$5,000 (unitl Feb.28,2021)
  • Existing customers get S$40 cash credit w/ with deposit of S$5.000 fresh funds, maintained for 6 months (until Feb.28,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
Average consumers with a consistent budget of about S$2k/month have the potential to earn more with UOB One Card than they could with any alternative on the market. Cardholders who maintain this spend level for 3 months earn 5% rebate, up to S$100/month. This rate is boosted by +5% for spend on Grab & UOB Travel (10% total) and +1% for utilities (6% total). Lower and inconsistent spenders earn 3.33% rebate, up to S$33/mo at S$1k spend or S$17/mo at S$500 spend.


UOB One Card is also a great fit for adventurous travellers. In addition to its bonus rebate for booking hotels through UOB Travel, it also offers free travel insurance and typically, activities discounts via Klook. Cardholders, as a result, can maximise savings on all aspects of their travel, while continuing to earn top rebates both locally and overseas.

  • Stand-Out: Up to 5% rebate on all spend, S$300/quarter
  • Promotions: New cardholders get S$150 cash credit w/ min spend of S$1,500 within 30 days of approval (unitl Feb.28,2021)
  • New cardholders get S$80 cash w/ min deposit of S$5,000 (unitl Feb.28,2021)
  • Existing customers get S$40 cash credit w/ with deposit of S$5.000 fresh funds, maintained for 6 months (until Feb.28,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
Average consumers with a consistent budget of about S$2k/month have the potential to earn more with UOB One Card than they could with any alternative on the market. Cardholders who maintain this spend level for 3 months earn 5% rebate, up to S$100/month. This rate is boosted by +5% for spend on Grab & UOB Travel (10% total) and +1% for utilities (6% total). Lower and inconsistent spenders earn 3.33% rebate, up to S$33/mo at S$1k spend or S$17/mo at S$500 spend.


UOB One Card is also a great fit for adventurous travellers. In addition to its bonus rebate for booking hotels through UOB Travel, it also offers free travel insurance and typically, activities discounts via Klook. Cardholders, as a result, can maximise savings on all aspects of their travel, while continuing to earn top rebates both locally and overseas.

Citibank Credit Cards & Klook Promo Codes (Mar 2021):

Current Promo:Code:Expires:
S$10 off S$50+ spend on Wednesdays (Visa only)N/A
10% off (up to S$20) on WiFi devices & SIM cards (Visa only)N/A

While Klook accepts payments both in SGD and in foreign currencies, its promo codes can typically only be applied by Singaporeans with Singaporean phone numbers. You may want to keep this in mind when you make your booking. In the meantime, you can earn high rewards rates for both local and overseas spend with several Citibank cards. We've reviewed a few below.

Citi PremierMiles Visa: Affordable Perks & Bonus Miles

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: New cardholders will receive a 2D1N stay in Deluxe Room with breakfast for 2 persons at Singapore Marriott Tang Plaza Hotel (until Feb.28, 2021)
  • New cardholders earn 45,000 miles when you pay the S$192.60 annual fee and spend S$9,000 within the first 3 months (until June 30, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card is a great card for average consumers who want affordable access to luxury perks and bonus miles. Cardholders earn a relatively competitive 1.2 miles per S$1 spend locally and 2 miles overseas, plus 10,000 annual renewal miles (worth about S$100). These bonus miles easily offset more than half of the already reasonable S$192.6 annual fee. Finally, cardholders also enjoy 2 free lounge visits/year and complimentary lounge access. These privileges and bonus miles make Citi PMV great for people seeking an affordable travel card.
  • Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: New cardholders will receive a 2D1N stay in Deluxe Room with breakfast for 2 persons at Singapore Marriott Tang Plaza Hotel (until Feb.28, 2021)
  • New cardholders earn 45,000 miles when you pay the S$192.60 annual fee and spend S$9,000 within the first 3 months (until June 30, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card is a great card for average consumers who want affordable access to luxury perks and bonus miles. Cardholders earn a relatively competitive 1.2 miles per S$1 spend locally and 2 miles overseas, plus 10,000 annual renewal miles (worth about S$100). These bonus miles easily offset more than half of the already reasonable S$192.6 annual fee. Finally, cardholders also enjoy 2 free lounge visits/year and complimentary lounge access. These privileges and bonus miles make Citi PMV great for people seeking an affordable travel card.

Citi Cash Back Card: Global Food & Petrol Cashback

  • Up to 8% rebate on groceries & petrol, 6% on dining
  • Promotions: New Citibank cardmembers get Apple AirPods Pro or S$300 cash w/ min spend of S$200 within 30 days of card approval (until Feb.28,2021)
  • Welcome gift of S$120 cashback with S$1,200 spend in 3 mo (until Mar. 31, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is a great option for people interested in earning for their core food & transport expenses both locally and overseas. Cardholders earn 8% rebate on dining, groceries and petrol, both in Singapore and abroad. This is great for vacationers who prefer cash rebates to miles.


There is a S$888 minimum spend requirement to access these rates, and categories are each capped at S$25/month, however. Nonetheless, it's fairly easy to max out these caps with S$313 spend within each area, allowing consumers to max out S$75/month in rewards with just S$1k/month spend. Those who spend a great deal of their budget on global food & petrol can definitely benefit from Citi Cash Back Card.

  • Stand-Out: Up to 8% rebate on groceries & petrol, 6% on dining
  • Promotions: New Citibank cardmembers get Apple AirPods Pro or S$300 cash w/ min spend of S$200 within 30 days of card approval (until Feb.28,2021)
  • Welcome gift of S$120 cashback with S$1,200 spend in 3 mo (until Mar. 31, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is a great option for people interested in earning for their core food & transport expenses both locally and overseas. Cardholders earn 8% rebate on dining, groceries and petrol, both in Singapore and abroad. This is great for vacationers who prefer cash rebates to miles.


There is a S$888 minimum spend requirement to access these rates, and categories are each capped at S$25/month, however. Nonetheless, it's fairly easy to max out these caps with S$313 spend within each area, allowing consumers to max out S$75/month in rewards with just S$1k/month spend. Those who spend a great deal of their budget on global food & petrol can definitely benefit from Citi Cash Back Card.

American Express Credit Cards & Klook Promo Codes (Mar 2021):

Current Promo:Code:Expires:
8% off Activities (up to S$10)KLOOKAX8
(See Klook or bank website for details)

For the most part, Klook promo codes only apply to bookings made on Klook's website or mobile app. You may have to use a designated landing page. American Express cardholders can typically access card-specific codes by tagging "/en-SG/promo/sg-amex" onto Klook's homepage URL. If you're interested in an Amex credit card, read our reviews for top cards below.

American Express Singapore Airlines Krisflyer Card: Miles for SIA Loyalists

  • Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: New cardmembers will receive AirPods with Charging Case (worth $239) with min S$500 spend in 1st mo (until Feb. 21, 2021)
  • Receive an Acer Monitor KA242Y (u.p. S$349) and up to 13,300 KrisFlyer miles with a min. spend of S$3,000 in your first 3 mo (until Feb. 21, 2021) + welcome bonus of 5,000KF miles with the first card transaction
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
With American Express Singapore Airlines KrisFlyer Card, you can enjoy Klook discounts on travel activities plus major miles earnings on your flight bookings with SIA. Cardholders earn 1.1 miles per S$1 spend, boosted to 2 miles overseas in June & December and for spend with SIA brands (SIA online, SilkAir, KrisShop & more). This is boosted further to 3.1 miles per S$1 for spend on Grab, though rewards are capped at just 620 miles/month. Even better, rewards are earned directly in KrisFlyer miles which are credited to the cardholder's frequent flyer account. This means consumers never have to worry about transfer fees or processing times. While there's a S$176.55 fee, it's waived the 1st year, ultimately making Amex SIA KF Card a great "starter" miles card for people who frequently fly with Singapore Airlines.
  • Stand-Out: Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: New cardmembers will receive AirPods with Charging Case (worth $239) with min S$500 spend in 1st mo (until Feb. 21, 2021)
  • Receive an Acer Monitor KA242Y (u.p. S$349) and up to 13,300 KrisFlyer miles with a min. spend of S$3,000 in your first 3 mo (until Feb. 21, 2021) + welcome bonus of 5,000KF miles with the first card transaction
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
With American Express Singapore Airlines KrisFlyer Card, you can enjoy Klook discounts on travel activities plus major miles earnings on your flight bookings with SIA. Cardholders earn 1.1 miles per S$1 spend, boosted to 2 miles overseas in June & December and for spend with SIA brands (SIA online, SilkAir, KrisShop & more). This is boosted further to 3.1 miles per S$1 for spend on Grab, though rewards are capped at just 620 miles/month. Even better, rewards are earned directly in KrisFlyer miles which are credited to the cardholder's frequent flyer account. This means consumers never have to worry about transfer fees or processing times. While there's a S$176.55 fee, it's waived the 1st year, ultimately making Amex SIA KF Card a great "starter" miles card for people who frequently fly with Singapore Airlines.

American Express True Cashback Card: Unltd Rebate with Upfront Boost

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: New cardmembers will receive S$160 cash via PayNow with S$500 spend on eligible purchases within the 1st month of card approval (until Feb. 21, 2021)
  • Receive S$150 Dairy Farm Group Vouchers when you apply and spend S$500 in first mo (until Feb. 21, 2020)
  • Enjoy a welcome bonus of 3% Cashback on up to S$5,000 spend in the first 6 months
  • Read Our Full Review
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
If you're a high spender looking to max out cashback on all of your spend, American Express True Cashback Card is definitely worth considering–especially if you're interested in an upfront rate bump. Cardholders earn an unlimited 1.5% flat rebate both locally and overseas, which in itself is fairly standard. This rate, however, is boosted to 3% for the 1st 6 months, for up to S$150 in earnings (achieved with S$5k spend).


In addition to this accelerated rewards rate, cardholders also enjoy Amex and card-specific lifestyle privileges, which often include discounts on wedding-related purchases (quite rare amongst cards). Overall, Amex True Cashback Card is a great match for high spenders seeking unlimited cashback and an upfront bonus.

  • Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: New cardmembers will receive S$160 cash via PayNow with S$500 spend on eligible purchases within the 1st month of card approval (until Feb. 21, 2021)
  • Receive S$150 Dairy Farm Group Vouchers when you apply and spend S$500 in first mo (until Feb. 21, 2020)
  • Enjoy a welcome bonus of 3% Cashback on up to S$5,000 spend in the first 6 months
  • Read Our Full Review
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
If you're a high spender looking to max out cashback on all of your spend, American Express True Cashback Card is definitely worth considering–especially if you're interested in an upfront rate bump. Cardholders earn an unlimited 1.5% flat rebate both locally and overseas, which in itself is fairly standard. This rate, however, is boosted to 3% for the 1st 6 months, for up to S$150 in earnings (achieved with S$5k spend).


In addition to this accelerated rewards rate, cardholders also enjoy Amex and card-specific lifestyle privileges, which often include discounts on wedding-related purchases (quite rare amongst cards). Overall, Amex True Cashback Card is a great match for high spenders seeking unlimited cashback and an upfront bonus.

OCBC Credit Cards & Klook Promo Codes (Mar 2021):

Current Promo:Code:Expires:
S$5 off Activities, min. S$50 spend (1st time users )KLOOKOCBCNEW

Klook promo codes don't last forever–always keep tabs on when the discount expires. You can typically find validity dates for bookings within the terms and conditions, but we've included the information above for convenience. At checkout, remember to pay with an OCBC credit card. We've reviewed some of the best options below.

OCBC 365 Card: Rebates on Essentials w/ Fee Waiver

  • High travel & dining cashback plus exclusive travel deals
  • Promotions: Receive 10% cashback for Chinese New Year Festivities (Deliveroo, Foodpanda, KFC, McDonald's and Oddle). To qualify text 72377 with 365CNY & last 6 digits of your OCBC 365 card number (until Feb.28, 2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
If you want to earn on your everyday expenses without having to pay an annual fee, consider OCBC 365 Card. Cardholders earn competitive rates in nearly all key spend categories: 6% on dining & online food delivery, 5% on petrol (added on top of existent savings & discounts) and 3% on groceries, land transport, bills and online travel bookings. These rates are unlocked after just S$800 minimum spend, though consumers spending S$833/month (adding up to S$10k/yr) are also eligible for a fee waiver. Finally, rewards are capped at S$80/month, which is quite impressive. As a result, everyday spenders can earn up to S$960/year with OCBC 365 Card, without having to pay an annual fee.
  • Stand-Out: High travel & dining cashback plus exclusive travel deals
  • Promotions: Receive 10% cashback for Chinese New Year Festivities (Deliveroo, Foodpanda, KFC, McDonald's and Oddle). To qualify text 72377 with 365CNY & last 6 digits of your OCBC 365 card number (until Feb.28, 2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
If you want to earn on your everyday expenses without having to pay an annual fee, consider OCBC 365 Card. Cardholders earn competitive rates in nearly all key spend categories: 6% on dining & online food delivery, 5% on petrol (added on top of existent savings & discounts) and 3% on groceries, land transport, bills and online travel bookings. These rates are unlocked after just S$800 minimum spend, though consumers spending S$833/month (adding up to S$10k/yr) are also eligible for a fee waiver. Finally, rewards are capped at S$80/month, which is quite impressive. As a result, everyday spenders can earn up to S$960/year with OCBC 365 Card, without having to pay an annual fee.

OCBC Frank Card: No-Fee Rebates for Online Spend

  • 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: S$10 off at Qoo10 with min spend of S$100 + get S$8 off with min spend of S$20 at Lazada w/ app (until June 30,2021)
  • Use code VISA15OFF to get 15% off Zalora w/ min spend of S$80 (unitl June 30,2021)
  • Get extra 4% cashback on your purchases w/ min. spend of S$1,000, capped at S$40 (until Feb.28, 2021)
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on FX & mobile contactless expenditures
  • 6% rebate on online purchases
The OCBC Frank Card is one of the absolute best options on the market for young online shoppers with more limited budgets. After just S$600 spend–one of the lowest minimum requirements on the market–cardholders can enjoy a competitive 6% rebate on FX, online, and mobile contactless spend. Additionally, cardholders earn 0.3% on their general spend, without having to meet a minimum spend requirement. Earnings are capped at S$75/month, which can be maxed out with as little as S$1,250 spend–quite achievable even for younger consumers. Even better, the already low S$80 annual fee is waived with S$10k annual spend (about S$833/month). At a S$1,250 budget, then, cardholders can easily earn up to S$900/year without ever worrying about paying a fee.
  • Stand-Out: 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: S$10 off at Qoo10 with min spend of S$100 + get S$8 off with min spend of S$20 at Lazada w/ app (until June 30,2021)
  • Use code VISA15OFF to get 15% off Zalora w/ min spend of S$80 (unitl June 30,2021)
  • Get extra 4% cashback on your purchases w/ min. spend of S$1,000, capped at S$40 (until Feb.28, 2021)
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on FX & mobile contactless expenditures
  • 6% rebate on online purchases
The OCBC Frank Card is one of the absolute best options on the market for young online shoppers with more limited budgets. After just S$600 spend–one of the lowest minimum requirements on the market–cardholders can enjoy a competitive 6% rebate on FX, online, and mobile contactless spend. Additionally, cardholders earn 0.3% on their general spend, without having to meet a minimum spend requirement. Earnings are capped at S$75/month, which can be maxed out with as little as S$1,250 spend–quite achievable even for younger consumers. Even better, the already low S$80 annual fee is waived with S$10k annual spend (about S$833/month). At a S$1,250 budget, then, cardholders can easily earn up to S$900/year without ever worrying about paying a fee.

HSBC Credit Cards & Klook Promo Codes (Mar 2021):

Current Promo:Code:Expires:
3% off Travel ActivitiesHSBCHA20
(See Klook or bank website for details)

Do you already book your flights and hotels through platforms like Agoda and Expedia? Klook offers an opportunity to save on your activity bookings as well. If you pay with a qualifying HSBC credit card, you can not only earn miles or cashback, but also save on your vacation fun. We've reviewed a few great HSBC Cards below.

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

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: New cardholders can choose to receive either S$200 Lazada and RedMart vouchers or S$180 cashback and S$20 Lazada and RedMart vouchers with min spend of S$800 within 2 mo of card approval when apply online with MyInfo via SingPass (until Feb. 28,2021)
  • Existing cardholders receive S$30 cashback with min spend of S$800
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
Social consumers with local budgets who spend a great deal online may want to consider HSBC Revolution Card. Cardholders earn 2 miles per S$1 spend on dining & entertainment in Singapore, which is notably higher than the 1.2 miles/S$1 rate offered by typical miles cards for local spend. Cardholders also earn at this rate for all of their online shopping, including transit payments, bill-pay and travel bookings–including through sites like Agoda, Expedia and Klook.


HSBC Revolution Card has no minimum spend requirements, no earnings caps and an easy fee waiver. In fact, the already moderate S$160.5 annual fee is waived for 2 years, then subsequently with S$12,500 annual spend (about S$1,083/month). This makes it easy for cardholders to accrue miles both on local social spend as well online shopping & travel bookings–all without having to worry about added expenses.

  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: New cardholders can choose to receive either S$200 Lazada and RedMart vouchers or S$180 cashback and S$20 Lazada and RedMart vouchers with min spend of S$800 within 2 mo of card approval when apply online with MyInfo via SingPass (until Feb. 28,2021)
  • Existing cardholders receive S$30 cashback with min spend of S$800
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
Social consumers with local budgets who spend a great deal online may want to consider HSBC Revolution Card. Cardholders earn 2 miles per S$1 spend on dining & entertainment in Singapore, which is notably higher than the 1.2 miles/S$1 rate offered by typical miles cards for local spend. Cardholders also earn at this rate for all of their online shopping, including transit payments, bill-pay and travel bookings–including through sites like Agoda, Expedia and Klook.


HSBC Revolution Card has no minimum spend requirements, no earnings caps and an easy fee waiver. In fact, the already moderate S$160.5 annual fee is waived for 2 years, then subsequently with S$12,500 annual spend (about S$1,083/month). This makes it easy for cardholders to accrue miles both on local social spend as well online shopping & travel bookings–all without having to worry about added expenses.

HSBC Advance Card: Flat Rebates for Affluent Advance Customers

  • Up to 3.5% flat cashback, lofty S$300/month rewards cap
  • Promotions: New cardholders can choose to receive either S$200 Lazada and RedMart vouchers or S$180 cashback and S$20 Lazada and RedMart vouchers with min spend of S$800 within 2 mo of card approval when apply online with MyInfo via SingPass (until Feb. 28,2021)
  • Existing cardholders receive S$30 cashback with min spend of S$800
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection
Affluent cardholders can earn up to S$3,600/year–one of the highest rewards potentials on the market–with HSBC Advance Card. Customers spending at least S$2,000/month have the opportunity to earn an incredible 3.5% cashback rate–the highest potential earning value on the market for capped cashback cards. 3.5% cashback is comprised of 2.5% base rate and 1% bonus rate, which you can qualify for by spending at least S$2,000 and depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. With this bonus rate, monthly cashback is capped at S$300, which is S$3,600 per year in savings.
  • Stand-Out: Up to 3.5% flat cashback, lofty S$300/month rewards cap
  • Promotions: New cardholders can choose to receive either S$200 Lazada and RedMart vouchers or S$180 cashback and S$20 Lazada and RedMart vouchers with min spend of S$800 within 2 mo of card approval when apply online with MyInfo via SingPass (until Feb. 28,2021)
  • Existing cardholders receive S$30 cashback with min spend of S$800
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection
Affluent cardholders can earn up to S$3,600/year–one of the highest rewards potentials on the market–with HSBC Advance Card. Customers spending at least S$2,000/month have the opportunity to earn an incredible 3.5% cashback rate–the highest potential earning value on the market for capped cashback cards. 3.5% cashback is comprised of 2.5% base rate and 1% bonus rate, which you can qualify for by spending at least S$2,000 and depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. With this bonus rate, monthly cashback is capped at S$300, which is S$3,600 per year in savings.

Maybank Credit Cards & Klook Promo Codes (Mar 2021):

Current Promo:Code:Expires:
Coming soon!

In order to enjoy these Klook discounts, you'll need to do more than just apply the promo code–you'll also need to pay for the booking with a Maybank credit card at checkout. Read our reviews below to learn about some of Maybank's best credit cards.

Maybank Horizon Visa Signature: Top Local Miles for Occasional Vacationers

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: New cardholders receive S$100 rebate w/ S$250 monthly spend for 2 consecutive months after approval (until Mar.31, 2021)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
Occasional vacationers who also want to maximise miles earnings while they're at home should consider Maybank Horizon Visa Signature Card. Cardholders earn a market-leading 3.2 miles per S$1 spend on local dining, transport (Grab, taxis & petrol) and hotel bookings with Agoda. Most travel cards offer just 1.2 miles per S$1 local spend. Maybank Horizon also offers competitive overseas rates, however–cardholders earn 2 miles per S$1 spend on air tickets and travel packages, as well as for transactions in foreign currency. Consumers enjoy perks that complement vacationers, including free travel insurance and access to airport lounges.


Another reason to consider Maybank Horizon Card is for its easy fee waiver. Cardholders who spend just S$18,000/year are exempt from the S$180.0 annual fee (which is already waived for the 1st 3 years). Ultimately, Maybank Horizon Card is one of the best miles-earning everyday cards for local spenders, especially those who want to avoid added costs.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: New cardholders receive S$100 rebate w/ S$250 monthly spend for 2 consecutive months after approval (until Mar.31, 2021)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
Occasional vacationers who also want to maximise miles earnings while they're at home should consider Maybank Horizon Visa Signature Card. Cardholders earn a market-leading 3.2 miles per S$1 spend on local dining, transport (Grab, taxis & petrol) and hotel bookings with Agoda. Most travel cards offer just 1.2 miles per S$1 local spend. Maybank Horizon also offers competitive overseas rates, however–cardholders earn 2 miles per S$1 spend on air tickets and travel packages, as well as for transactions in foreign currency. Consumers enjoy perks that complement vacationers, including free travel insurance and access to airport lounges.


Another reason to consider Maybank Horizon Card is for its easy fee waiver. Cardholders who spend just S$18,000/year are exempt from the S$180.0 annual fee (which is already waived for the 1st 3 years). Ultimately, Maybank Horizon Card is one of the best miles-earning everyday cards for local spenders, especially those who want to avoid added costs.

Maybank Family & Friends MasterCard: Best Rebates for Average Budgets

  • Up to S$30/quarter with just S$300/month spend
  • Promotions: New cardholders receive S$100 rebate w/ S$250 monthly spend for 2 consecutive months after approval (until Mar.31, 2021)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card is perhaps the best all-around cashback card for both average and lower spenders in Singapore. Cardholders earn 5% rebate on food (fast food, food delivery & groceries), transport (including petrol) and data communications/online TV streaming–after just S$500 minimum spend. At this spend level, most cards reward 3.33% cashback or less. Even better, those who spend S$800/month earn at 8% in all of these categories, up to a competitive S$80/month in rewards.


While other credit cards may offer 8% cashback on food and petrol, Maybank F&F Card stands apart by also offering a fee waiver. Cardholders who spend S$12k annually are exempt from the S$180 fee (which is already waived for 3 years). At this spend level (S$1,000/month) consumers can also max out the card's rewards cap. This translates to S$960 in annual earnings, all without having to pay for additional costs.

  • Stand-Out: Up to S$30/quarter with just S$300/month spend
  • Promotions: New cardholders receive S$100 rebate w/ S$250 monthly spend for 2 consecutive months after approval (until Mar.31, 2021)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card is perhaps the best all-around cashback card for both average and lower spenders in Singapore. Cardholders earn 5% rebate on food (fast food, food delivery & groceries), transport (including petrol) and data communications/online TV streaming–after just S$500 minimum spend. At this spend level, most cards reward 3.33% cashback or less. Even better, those who spend S$800/month earn at 8% in all of these categories, up to a competitive S$80/month in rewards.


While other credit cards may offer 8% cashback on food and petrol, Maybank F&F Card stands apart by also offering a fee waiver. Cardholders who spend S$12k annually are exempt from the S$180 fee (which is already waived for 3 years). At this spend level (S$1,000/month) consumers can also max out the card's rewards cap. This translates to S$960 in annual earnings, all without having to pay for additional costs.

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

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more.

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