Best Credit Cards with No Minimum Spend Requirement 2019

There are many great cash back credit cards in Singapore. However, most have a strict minimum monthly spend requirement to qualify for elevated rewards rates. For people who are looking for easy cash back cards to use with no such restrictions, we've compared the best cashback credit cards with no minimum spend requirement below.

Best Credit Cards with No Minimum Spend Requirements
Best for CashbackCiti SMRTRebates on food, online & health + EZ-Link
HSBC AdvanceUp to 3.5% cashback capped at S$125/month
Best for MilesHSBC Revolution2 miles per S$1 online spend (inc. transit, bills)
MB Horizon3.2 miles per S$1 on local food & transport
Citi PMV21,000 welcome miles & 10,000 renewal miles
Unlimited RewardsUnlimited Cards1%–2% unlimited cashback with extra perks
Online & ShoppingOCBC Titanium4 miles per S$1 on fashion & select retail
Citi Rewards4 miles per S$1 on all fashion retail
SC SingPost Spree3% cashback on foreign online & vPost spend
Golfing PrivilegesMB World & CIMB WorldComplimentary green fees + miles or cashback

Best Cashback Credit Cards with No Minimum Spend Requirement

Many cashback cards have minimum requirements of S$600+, offering just 0.3% rebates for lower spend levels. The following cards offer great rates, without the lofty minimum requirements.

Best Rebate Card for Young Professionals on a Budget: Citi SMRT Card

Consider this if you want to earn cashback on your daily commute on public transit

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

Citi SMRT Card is the absolute best rebate card on the market for young professionals on a budget. Cardholders willing to spend with select, popular merchants immediately earn 4.7% cashback on coffee, movies, fast food & groceries, 2.7% on online shopping, and 1.7% on health & beauty and EZ-Reload Auto Top-Ups–all with no minimum spend. After S$300 spend, rates are boosted by 0.3% to 5%, 3% and 2%, respectively. Most cashback cards offer just 0.3% flat at this spend level, and many have minimums of S$600+.

Citi SMRT Card is also EZ-Link compatible, which is great if you’re a commuter or just want to streamline your wallet. Overall, Citi SMRT Card is simply the best cashback card with no minimum spend requirement because it has the highest rates and stands out for convenience.

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  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, moves & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell

Best Rebate Card for Advance Banking Customers: HSBC Advance Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • A Samsonite Astra 55cm luggage (worth S$350) or S$100 cash back for new customers (S$50 for existing customers)
  • Apply with MyInfo via SingPass, get S$20 worth of Grab rides
  • Up to 10% discount on hotel bookings with Expedia, Agoda

If you’re open to an HSBC Advance banking relationship, you can potentially earn more with HSBC Advance Card than with any other flat rebate card. Advance customers earn 2.5% cashback on all spend with no minimum requirement, up to S$125/month–the highest capped earning potential on the market. After S$2,000 spend, this rate is bumped to 3.5%. Advance customers are also exempt from paying an annual fee.

Non-Advance customers also earn without minimums, but at a less competitive rate: 1.5% cashback, up to S$70/month. Non-Advance customers also receive a rate boost after S$2,000 spend, but just to 2.5%. They also must pay the S$192.6 fee, unless they spend S$12,500/year to earn a waiver. Ultimately, if you’re looking for a high flat rebate with no minimum requirement, HSBC Advance Card is the best option on the market–as long as you’re willing to consider an HSBC Advance account.

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  • Annual fee: S$180.0, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
  • Annual fee: S$180.0, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell

Best Air Miles Credit Cards with No Minimum Spend Requirement

While many miles-earning credit cards have no minimum spend requirement, the following stand out as especially affordable, with fee-waivers or extra bonus miles.

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

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • A Samsonite Astra 55cm luggage (worth S$350) or S$100 cash back for new customers (S$50 for existing customers)
  • Apply with MyInfo via SingPass, get S$20 worth of Grab rides

If you want to earn miles for local & online spend, HSBC Revolution Card is the absolute best card, and even comes with a fee-waiver. Cardholders earn 2 miles per S$1 spend on local dining & entertainment, as well as online. Even online transit and bill-pay are eligible for rewards, which is quite rare with competitors. There are no minimum requirements to access these rates, and even better, cardholders earn a fee waiver with just S$12,500 annual spend. Ultimately, HSBC Revolution Card is an excellent option if you want to earn miles locally & online, but don’t want to worry about meeting monthly minimums.

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  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 20.2% fuel savings with Caltex, 14% with Shell
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 20.2% fuel savings with Caltex, 14% with Shell

Best Card for Earning Miles Locally: Maybank Horizon Visa Signature Card

Consider this if you want to maximise miles earned on dining and petrol

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$50 cash credit after S$700 spend
  • Up to 10% off worldwide hotel bookings with Expedia, Agoda

No card offers local miles rewards rates as high as Maybank Horizon Visa Signature Card. Cardholders earn 3.2 miles per S$1 on local dining, petrol, taxis and Grab–key spend categories for the average consumer. Overseas spend also earns at a high rate of 2 miles per S$1 on air tickets, travel packages and foreign currency transactions. There are no minimum requirements and no rewards caps, so cardholders begin earning immediately with unlimited potential.

Another benefit worth considering is Maybank Horizon Card’s easy fee-waiver. Cardholders are exempt from the S$180.0 fee for 3 years, and subsequently, with just S$18,000 annual spend. As a result, this card is an excellent option for people looking for no-fee miles both at home and abroad, with no minimum requirements to worry about.

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  • 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
  • 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

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

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • 21,000 bonus miles after paying 1st annual fee and spending S$7,500
  • Up 10 miles per S$1 spend, 15% off hotel bookings on Agoda, Expedia and Kaligo

Citi PremierMiles Visa Card offers a great balance between high rewards rates and luxury travel perks. Cardholders earn a respectable 1.2 miles per S$1 locally and 2 miles overseas, which is on par with market standards. However, unlike comparable cards, Citi PMV comes with 21,000 bonus miles (worth S$210) and subsequently, with 10,000 annual renewal miles (worth S$100). These rewards rates and bonuses do not have minimum spend requirements and easily offset the S$192.6 fee.

Citi PMV Card also comes with great travel perks. Cardholders enjoy one of the best travel insurance plans on the market, with S$1,000,000 personal accident and S$40,000 overseas medical coverage. Cardholders also receive 2 free lounge visits/year, worldwide. Many cards offering such perks are far more expensive. Ultimately, Citi PMV Card is a great option if you want affordable travel perks and bonus miles.

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  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Up to 14% fuel savings at Esso & Shell

Best Unlimited Cashback Cards with No Minimum Requirement

Whether you’re a high spender and feel limited by earning caps, or a lower spender with a shifting budget, the following cards are great options with flat rebates and no minimum requirements.

Best Unlimited Cashback Card + EZ-Link: Standard Chartered Unlimited Cashback Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Earn a boosted 3% cashback on foreign currency transactions
  • Up to S$100 in cashback + Up to S$150 in Prime Now credits, 10% cashback & free Amazon Prime

If you’re a variable spender, shifts in your budget can make specialised rewards cards less useful. Standard Chartered Unlimited Cashback Card is a great option because it offers an unlimited 1.5% on all spend, with no minimum requirements to worry about. While this rate may be low, it allows cardholders to earn immediately and on every purchase.

SC Unlimited Cashback Card stands out from similar alternatives because of its great transport benefits. Not only is it EZ-Link compatible, with Auto Top-Ups eligible for rewards, it also offers up to 15% cashback on Grab and fuel savings up to 21% at Caltex. Overall, SC Unlimited Card is the best option for people with shifting spend patterns and who might benefit from these transport privileges.

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  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex, 15% rebate on Grab
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex, 15% rebate on Grab

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

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • S$60 voucher with 1st spend in 1st month after approval

American Express True Cashback Card is the best unlimited rewards card for consumers who especially enjoy Amex benefits. Cardholders earn 1.5% unlimited cashback on all spend–similar to alternatives–but this rate is boosted to 3% for the first 6 months (up to S$150). In all cases, there are no minimum spend requirements, so you can begin earning immediately. Other benefits include access to American Express Selects dining privileges, Global Assist, travel insurance, and card-specific promotions (which often offer travel and wedding-related deals).

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

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

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000 for Malaysians; S$60,000 for Others
Promotions:
  • Receive S$50 cash credit after S$700 spend
  • Up to 10% off worldwide hotel bookings with Expedia, Agoda

Maybank FC Barcelona Visa Signature Card offers the highest unlimited rewards rate for local spenders. Cardholders earn 1.6% cashback on all local spend, compared to 1.5% with competitors. While this may seem small, the difference adds up over time–especially if most of your budget is spent locally. Overseas spend earns just 0.8 miles per S$1, which is less competitive, but there isn’t a minimum requirement for either rate.

Another way in which Maybank FC Barcelona Card stands out is that it offers a fee-waiver; most competitors do not. Cardholders are exempt from the S$120.0 fee after just S$10,000 annual spend. In addition, consumers can enjoy free travel insurance and discounts up to 10% off at official FC Barcelona stores. Overall, if you want to avoid minimum requirements and want flat rebates for local spend, this is the card for you.

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

Best Unlimited Cashback Card for Travellers: CIMB Visa Infinite Card

Consider this if you want a no fee cashback card for travelling

Annual Income Requirement Singaporean & Singapore PR: S$120,000 . Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Up to S$120 rebate w/ S$400 monthly spend for 3 months total

If you travel frequently but prefer earning cashback to miles, CIMB Visa Infinite Card is definitely worth your consideration. Cardholders earn 1% cashback on all of their spend, both locally and overseas, with no minimum requirement. After S$2,000 spend, they can access unlimited 2% rebate on travel and overseas spend (in SGD and in foreign currency).

Regardless of spend level, cardholders also receive free travel insurance, access to airport lounges, and discounted limo transfers–perks usually associated with miles-earning cards. And, CIMB Visa Infinite Card is free forever. Ultimately, if you want no-fee cashback on all spend, plus the perks of a travel card, this card is for you.

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  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan

Best Online & Shopping Cards with No Minimum Requirement

Do your shopping habits change by the season? If so, you may benefit from a card without a minimum requirement, ensuring you’ll always earn rewards for your purchases.

Best No-Fee Miles Card for Retail Spend: OCBC Titanium Rewards Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$88 cashback with card approval + S$80 cash credit with S$800 spend in 1st month
  • Up to 8% off bookings with Agoda

If you’re a frequent shopper, you may want to consider OCBC Titanium Rewards Card. Cardholders receive 10 points (4 miles) per S$1 spend on fashion, department stores, electronics, and with popular retail merchants like Amazon, Qoo10 & more. Even better, all kinds of transactions are eligible–online, offline, locally and overseas. Cardholders also begin earning right away, as there are no minimum spend requirements.

OCBC Titanium Card also stands out because unlike competitors, it comes with a fee-waiver. Cardholders spending S$10,000/year are exempt from the S$192.6 fee. Overall, this makes OCBC Titanium Card an easy, low maintenance rewards card for earning miles on retail spend without worrying about minimum requirements.

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

Best Miles Card for Fashion Spend: Citi Rewards Card

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

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

Citi Rewards Card is one of the best cards available if you’re a frequent shopper, especially for fashion retail. Cardholders earn 10 points (4 miles) per S$1 on clothing, bags, shoes & other items with no minimum spend requirement. All kinds of transactions earn rewards, including online & offline, locally & overseas. While there’s a S$192.6 fee, it’s waived 1 year, and cardholders also receive value-adding perks like free travel insurance.

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  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • Free travel insurance
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • Free travel insurance
  • Up to 14% fuel savings with Esso & Shell

Rebates for Online Overseas: Standard Chartered SingPost Spree Card

Consider this if you shop frequently from websites outside of Singapore

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Up to S$100 in cashback + Up to S$150 in Prime Now credits, 10% cashback & free Amazon Prime

Standard Chartered SingPost Spree Card is a great option if you spend about S$300–S$500/month shopping online. Cardholders earn 3% cashback on foreign online & vPost transactions, 2% on local online & contactless transactions and 1% on general spend, all with no minimum requirements. Additionally, cardholders receive discounts on shipping and packaging. If you typically have trouble meeting minimum spend requirements, SC SingPost Spree Card makes it easy to earn, especially if you shop online overseas with merchants like Amazon.

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  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex, 15% on Grab rides (up to S$30/mo)
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex, 15% on Grab rides (up to S$30/mo)

Miles for Overseas & Dining: Standard Chartered Rewards+ Card

Consider this if you want a credit card for dining & foreign currency or overseas spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Up to S$100 in cashback + Up to S$150 in Prime Now credits, 10% cashback & free Amazon Prime

If you spend S$250–S$350/month overseas or in dining, Standard Chartered Rewards+ Card may be the perfect option for you. Cardholders immediately earn 10 points (2.9 miles) per S$1 overseas, 5 points (1.45 miles) on dining, and 1 point (0.29 miles) on general spend–all with no minimum requirement. These rates are equal to or higher than those offered by many travel cards, which tend towards 1.2–1.4 miles per S$1 locally and 2–2.4 miles overseas.

SC Rewards+ Card is best for lower spenders, however, because miles are capped at just 8,000/year–equal to about S$80. Higher spenders will max out the earning caps very quickly. Therefore, SC Rewards+ Card is best fit for lower spenders who have trouble meeting minimums required by alternatives.

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  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex, 15% on Grab rides (up to S$30/mo)
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex, 15% on Grab rides (up to S$30/mo)

Best Cards for Golfing Privileges with No Minimum Requirement

The following cards offer the best golfing privileges on the market and provide either miles or cashback with no minimum spend requirement.

Best Miles Card for Golfing Privileges: Maybank World MasterCard

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

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Receive S$50 cash credit after S$700 spend
  • Free 2-Day, 1-Night Play & Stay Package at Mission Hills Golf Club with S$25k spend on card
  • Up to 10% off worldwide hotel bookings with Expedia, Agoda

Maybank World MasterCard offers more comprehensive golfing privileges than any other card on the market. Consumers receive 2 complimentary green fees every month at 120 fairways across 25 countries–3x the number offered by the top competitor, which also happens to be limited regionally. Cardholders also enjoy 10 points (4 miles) per S$1 spend with select dining & luxury merchants, with no minimum spend requirement.

Maybank World MasterCard also comes with a few extra perks, like free travel insurance and airport lounge access. In addition, the S$240.0 fee is waived with S$24,000 annual spend (which is made easier as spend by both primary and supplementary cardholders counts). Overall, if you’re an avid golfer looking to earn miles, Maybank World MasterCard is the best card on the market.

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

Best Cashback Card for Golfing Privileges: CIMB World MasterCard

Consider this if you want a free credit card with golf benefits

Annual Income Requirement Singaporean & Singapore PR: S$50,000. Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Up to S$120 rebate w/ S$400 monthly spend for 3 months total

CIMB World MasterCard is the best cashback card on the market for frequent golfers. Cardholders earn 1.5% unlimited cashback on all spend–similar to other unlimited cards–but also receive 2% on wine & dine, entertainment, recreation, parking & auto, petrol and spend at duty-free stores. Rewards are accessible with no minimum spend requirement.

In addition to earning boosted rates for leisure spend–including at golf courses & country clubs–cardholders also receive complimentary green fees at 40 fairways in 7 countries throughout SE Asia. Cardholders can play up to 4 flights per course per year, for a potential total of 160 flights annually. The closest competitor offers only 24 free green fees/year. Other card benefits include free travel insurance and access to airport lounges worldwide. In addition, CIMB World MasterCard is free forever. If you’re a golfer seeking no-fee cashback with no minimums, this is the card for you.

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  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • Complimentary green fees at 40 fairways in SE Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • Complimentary green fees at 40 fairways in SE Asia
  • Free travel insurance, access to MasterCard Airport Experiences

Summary of Best Credit Cards with No Minimum Spend Requirements 2019

Below, we've prepared a summary of our picks for the best credit cards with no minimum spend requirements in 2019.

CardBest for...Annual Fee
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
HSBC AdvanceAffluent Advance CustomersS$180.0 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
Maybank HorizonMiles for Local SpendS$180.0 (waiver)
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
SC UnlimitedUnlimited + EZ-LinkS$192.6
Maybank FC BarcelonaUnlimited Local CashbackS$120.0 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6
Maybank WorldAir Miles for GolfersS$240.0 (waiver)
CIMB WorldCashback for GolfersS$0.0
CardBest for...Annual Fee
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
HSBC AdvanceAffluent Advance CustomersS$180.0 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
Maybank HorizonMiles for Local SpendS$180.0 (waiver)
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
SC UnlimitedUnlimited + EZ-LinkS$192.6
Maybank FC BarcelonaUnlimited Local CashbackS$120.0 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6
Maybank WorldAir Miles for GolfersS$240.0 (waiver)
CIMB WorldCashback for GolfersS$0.0

Compare the Best Cashback Cards with No Spend Requirement by Dollar Value

We have prepared a chart below organizing our featured cards by 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. Assuming an average person spends S$2,000 every month, the best cashback credit cards in Singapore return over S$1,500 to S$2,000 in cash rebate over 2 years after netting out annual fees. Do note, however, that these values can vary widely depending on your unique spending habits, so you should be sure to read our reviews to assess if a card is right for you.

A graph displaying how best cashback credit cards with no min spend compare to one another in terms of their rewards

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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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