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: Rebates on essentials with easy fee-waiver
  • OCBC Frank: Up to 6% rebate online, low S$400 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 (Apr 2020):

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: Choose between free AirPods w/ Charging Case (worth S$239) OR 38k miles w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
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: Choose between free AirPods w/ Charging Case (worth S$239) OR 38k miles w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
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: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$128.4, 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$128.4 annual fee, it's lower than the market standard (S$192.6) and is 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: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$128.4, 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$128.4 annual fee, it's lower than the market standard (S$192.6) and is 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: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 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: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 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 (Apr 2020):

Current Promo:Code:Expires:
5% off Activities (up to S$10) KLOOKUOB2030 Dec 2020
S$5 off Activities, min. S$50 spend (1st time users)KLOOKUOBNEW31 Dec 2020

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

Current Promo:Code:Expires:
S$10 off S$50+ spend on Wednesdays (Visa only)N/A28 Feb 2021
10% off (up to S$20) on WiFi devices & SIM cards (Visa only)N/A28 Feb 2021

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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card 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 global dining, groceries & petrol
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is a great 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 global dining, groceries & petrol
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is a great 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 (Apr 2020):

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

  • Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Promotions: Spend S$10k w/in 1st 6mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
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.


Beyond rewarding SIA loyalists, Amex SIA KF Card also provides one of the highest and most accessible welcome offers on the market. Consumers can receive up to 21,500 miles within 6 months: 5,000 miles on their 1st spend, 8,000 with S$5k spend in the 1st 3 months, another 8,000 with S$5k spend in the next 3 months, and 500 with the 1st Grab booking. Spending S$12k annually earns a S$150 credit to SIA. Ultimately, if you're a SIA loyalist hoping to rapidly accrue miles within the first year, definitely consider Amex SIA KF Card.

  • Stand-Out: Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Promotions: Spend S$10k w/in 1st 6mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
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.


Beyond rewarding SIA loyalists, Amex SIA KF Card also provides one of the highest and most accessible welcome offers on the market. Consumers can receive up to 21,500 miles within 6 months: 5,000 miles on their 1st spend, 8,000 with S$5k spend in the 1st 3 months, another 8,000 with S$5k spend in the next 3 months, and 500 with the 1st Grab booking. Spending S$12k annually earns a S$150 credit to SIA. Ultimately, if you're a SIA loyalist hoping to rapidly accrue miles within the first year, definitely consider Amex SIA KF Card.

American Express True Cashback Card: Unltd Rebate with Upfront Boost

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • 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: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • 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 (Apr 2020):

Current Promo:Code:Expires:
5% off Activities (up to S$10) KLOOKOCBC531 Dec 2020
S$5 off Activities, min. S$50 spend (1st time users )KLOOKOCBCNEW31 Dec 2020

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

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

  • Up to 6% rebate online after just S$400 offline spend
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
OCBC Frank Card is one of the absolute best options on the market for young online shoppers with more limited budgets. After just S$400 offline spend–one of the lowest minimum requirements on the market–cardholders can enjoy a competitive 6% rebate on online spend, plus 5% on weekend entertainment & at select cafes (3% on weekdays). Cardholders can earn up to S$60/month, which can be maxed out with as little as S$1k 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$1k budget, then, cardholders can easily earn up to S$720/year without ever worrying about paying a fee.
  • Stand-Out: Up to 6% rebate online after just S$400 offline spend
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
OCBC Frank Card is one of the absolute best options on the market for young online shoppers with more limited budgets. After just S$400 offline spend–one of the lowest minimum requirements on the market–cardholders can enjoy a competitive 6% rebate on online spend, plus 5% on weekend entertainment & at select cafes (3% on weekdays). Cardholders can earn up to S$60/month, which can be maxed out with as little as S$1k 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$1k budget, then, cardholders can easily earn up to S$720/year without ever worrying about paying a fee.

HSBC Credit Cards & Klook Promo Codes (Apr 2020):

Current Promo:Code:Expires:
3% off Travel ActivitiesHSBCHA2031 Dec 2020
(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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
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$125/month rewards cap
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
Affluent Advance customers can earn up to S$1,500/year–one of the highest rewards potentials on the market–with HSBC Advance Card. Customers earn a flat 3.5% rebate on all transactions after S$2,000 spend (2.5% if below), up to S$125 in monthly rewards. This can be maxed out with a S$3,500 monthly budget. Even better, Advance customers never have to pay an annual fee.


Non-Advance customers earn just 2.5% rebate after S$2,000 spend (1.5% if below), capped at S$70/month. These rates are decidedly less competitive. Additionally, non-customers must pay a S$192.6 annual fee (though this fee is waived with S$12,500 annual spend). Overall, HSBC Advance Card is an exception option for high-spending HSBC customers, so it's worth checking to see if you qualify for an Advance account.

  • Stand-Out: Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
Affluent Advance customers can earn up to S$1,500/year–one of the highest rewards potentials on the market–with HSBC Advance Card. Customers earn a flat 3.5% rebate on all transactions after S$2,000 spend (2.5% if below), up to S$125 in monthly rewards. This can be maxed out with a S$3,500 monthly budget. Even better, Advance customers never have to pay an annual fee.


Non-Advance customers earn just 2.5% rebate after S$2,000 spend (1.5% if below), capped at S$70/month. These rates are decidedly less competitive. Additionally, non-customers must pay a S$192.6 annual fee (though this fee is waived with S$12,500 annual spend). Overall, HSBC Advance Card is an exception option for high-spending HSBC customers, so it's worth checking to see if you qualify for an Advance account.

Maybank Credit Cards & Klook Promo Codes (Apr 2020):

Current Promo:Code:Expires:
Coming soon!
(See Klook or bank website for details)

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: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
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: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
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

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
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 (both dining & 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: Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
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 (both dining & 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, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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