Best Credit Cards with No Minimum Spend Requirement 2021

No matter how attractive an advertised rewards rate is, consumers who can't achieve the monthly minimum spend requirement will only earn a negligible base rate of just 0.2%–0.3%. If you're a lower spender or don't stick to a consistent budget, the no minimum requirement cards our experts identified below (based on careful analysis of 100+ options on the market) are the absolute best options both in terms of accessibility and affordability.

Best Miles Cards with No Minimum Spend Requirement
Best Cashback Cards with No Minimum Spend Requirement
Best Unlimited Cards with No Minimum Spend Requirement
Best Online & Shopping Cards with No Minimum Spend Requirement
Best Golfers Cards with No Minimum Spend Requirement
  • Maybank World: Free green fees at 120 fairways across 25 countries
Best Dining & Overseas Card with No Minimum Spend Requirement
  • SC Rewards+: 2.9 miles per S$1 overseas, 1.45 for dining
Best Miles Cards with No Minimum Spend Requirement Best Cashback Cards with No Minimum Spend Requirement Best Unlimited Cards with No Minimum Spend Requirement Best Online & Shopping Cards with No Minimum Spend Requirement Best Golfers Cards with No Minimum Spend Requirement Best Dining & Overseas Card with No Minimum Spend Requirement

Compare the Best No-Minimum Credit Cards in Singapore by Dollar Value

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

A graph displaying how the best credit cards with no minimum spend requirement compare to one another in terms of their rewards value
Best Credit Cards with No Minimum Spend Requirement in Singapore by Estimated 2-Year Dollar Value

Best 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.

DBS Altitude Visa: No-Fee Miles & Luxury Perks

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000/year and receive annual fee waiver + 10,000 bonus miles
  • 1.2 miles per S$1 locally, 2 miles overseas
  • 3 miles per S$1 spend on online shopping, online flight and hotel transactions
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you want to enjoy the luxury perks of an expensive travel card without actually having to pay for them, consider DBS Altitude Card. Cardholders earn a reasonably competitive 1.2 miles per S$1 spend locally, 2 miles overseas and 3 miles for online travel bookings, and miles earned never expire. More impressively, however, consumers receive 2 free lounge visits annually plus complimentary travel insurance, special dining privileges and even discounted green fees. Most cards offering such perks charge S$250+. DBS Altitude Card, however, has an annual fee of just S$192.6 which is waived with S$25k annual spend. The average traveller, then, can quite easily begin earning miles immediately while enjoying perks and avoiding a fee with DBS Altitude Card.
DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000/year and receive annual fee waiver + 10,000 bonus miles
  • 1.2 miles per S$1 locally, 2 miles overseas
  • 3 miles per S$1 spend on online shopping, online flight and hotel transactions
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you want to enjoy the luxury perks of an expensive travel card without actually having to pay for them, consider DBS Altitude Card. Cardholders earn a reasonably competitive 1.2 miles per S$1 spend locally, 2 miles overseas and 3 miles for online travel bookings, and miles earned never expire. More impressively, however, consumers receive 2 free lounge visits annually plus complimentary travel insurance, special dining privileges and even discounted green fees. Most cards offering such perks charge S$250+. DBS Altitude Card, however, has an annual fee of just S$192.6 which is waived with S$25k annual spend. The average traveller, then, can quite easily begin earning miles immediately while enjoying perks and avoiding a fee with DBS Altitude Card.

Maybank Horizon Visa Signature: Easy Miles for Local Spend

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • Subsequent annual fee is waived with min annual spend of S$18,000
  • 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
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.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • Subsequent annual fee is waived with min annual spend of S$18,000
  • 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
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.

KrisFlyer UOB Credit Card: Top Miles for SIA Loyalists

  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)
If you frequently travel on a budget and don't mind committing to one airline, you may want to consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 on general local and overseas transactions, boosted to 3 miles for spend with SIA brands (SIA, Scoot, SilkAir, KrisShop)–all without a minimum spend requirement. Consumers can also enjoy great perks with SIA's budget airline, Scoot, such as priority check-in & boarding, free standard seat selection, complimentary baggage allowance upgrades and booking flexibility waivers. Other perks include a $20 rebate at KrisShop with S$100 nett spend, S$15 worth of Grab rides to and from Changi Airport and another S$15 voucher good towards ChangiWiFi.


While there are no minimum spend requirements to enjoy the rates and perks above, consumers who spend S$500 with SIA brands across an entire year unlock a boosted 3 miles per S$1 spend on dining & online food delivery, online fashion shopping & travel bookings and transport (including public transit). This minimum is quite reasonable and can, for the most part, be fulfilled with perhaps 2-3 regional trips within the year. This boost is not rewarded until the end of the year, however, so people looking for rapid upfront miles may not be a fit. However, as cardholders receive 10,000 annual bonus miles (worth about S$100) that offset the S$192.6 annual fee, KrisFlyer UOB Card is also very affordable–a great match for SIA-loyal travellers on a budget.

  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)
If you frequently travel on a budget and don't mind committing to one airline, you may want to consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 on general local and overseas transactions, boosted to 3 miles for spend with SIA brands (SIA, Scoot, SilkAir, KrisShop)–all without a minimum spend requirement. Consumers can also enjoy great perks with SIA's budget airline, Scoot, such as priority check-in & boarding, free standard seat selection, complimentary baggage allowance upgrades and booking flexibility waivers. Other perks include a $20 rebate at KrisShop with S$100 nett spend, S$15 worth of Grab rides to and from Changi Airport and another S$15 voucher good towards ChangiWiFi.


While there are no minimum spend requirements to enjoy the rates and perks above, consumers who spend S$500 with SIA brands across an entire year unlock a boosted 3 miles per S$1 spend on dining & online food delivery, online fashion shopping & travel bookings and transport (including public transit). This minimum is quite reasonable and can, for the most part, be fulfilled with perhaps 2-3 regional trips within the year. This boost is not rewarded until the end of the year, however, so people looking for rapid upfront miles may not be a fit. However, as cardholders receive 10,000 annual bonus miles (worth about S$100) that offset the S$192.6 annual fee, KrisFlyer UOB Card is also very affordable–a great match for SIA-loyal travellers on a budget.

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.

HSBC Advance Card: Top Rebates for Advance Customers

HSBC Advance Credit Card
HSBC Advance Credit Card
  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection

HSBC Advance Card is one of the best flat rebate cards on the market for higher spenders with no minimum spend requirement. With a recent update to the HSBC Advance Credit Card cashback programme, all customers regardless of whether they have an HSBC Advance banking relationship or not can earn the same cashback for their spend. Base cashback is currently at 1.5% for S$2,000 and below, and 2.5% for spend above S$2,000 with cashback capped at S$70 per month.


Customers can also earn an additional 1% bonus cashback when they deposit a minimum of S$2,000 per month in fresh funds and charge five transactions to their HSBC Advance Credit Card monthly. When these qualifying criteria are met, you can earn a total cashback of 3.5% with a monthly cap of S$300, which is S$3,600 savings per year – the highest earning potential for a capped card on the market!

HSBC Advance Credit Card
HSBC Advance Credit Card
  • Stand-Out: Up to 3.5% flat cashback, lofty S$300/month rewards cap
  • Promotions:
  • 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
HSBC Advance Card is one of the best flat rebate cards on the market for higher spenders with no minimum spend requirement. With a recent update to the HSBC Advance Credit Card cashback programme, all customers regardless of whether they have an HSBC Advance banking relationship or not can earn the same cashback for their spend. Base cashback is currently at 1.5% for S$2,000 and below, and 2.5% for spend above S$2,000 with cashback capped at S$70 per month.


Customers can also earn an additional 1% bonus cashback when they deposit a minimum of S$2,000 per month in fresh funds and charge five transactions to their HSBC Advance Credit Card monthly. When these qualifying criteria are met, you can earn a total cashback of 3.5% with a monthly cap of S$300, which is S$3,600 savings per year – the highest earning potential for a capped card on the market!

Best Unlimited Rewards Cards with No Minimum Spend 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.

Standard Chartered Unlimited Cashback Card: Unltd. Cashback + SimplyGo

Standard Chartered Unlimited Cashback Credit Card
Standard Chartered Unlimited Cashback Credit Card
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 21%
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 SimplyGo functional, it also offers 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.

Standard Chartered Unlimited Cashback Credit Card
Standard Chartered Unlimited Cashback Credit Card
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 21%
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 SimplyGo functional, it also offers 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.

American Express True Cashback Card: Limitless Rewards + Amex Perks

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: New to Bank applicants can receive S$20 CapitaVouchers upon 1st transaction within 1st month of Card approval, and S$100 CapitaVouchers with S$500 spend within first month of Card approval.
  • Read Our Full Review
  • Annual fee: S$171.20 (first year - waived)
  • Get 1.5% cashback on all eligible spend, with no min. spend required and no cap
  • Get double the cashback at 3% on first S$5,000 spent within first 6 months
  • Free travel insurance up to S$350,000 when you purchase travel tickets with this card
American Express True Cashback Card 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).
  • Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: New to Bank applicants can receive S$20 CapitaVouchers upon 1st transaction within 1st month of Card approval, and S$100 CapitaVouchers with S$500 spend within first month of Card approval.
  • Read Our Full Review
  • Annual fee: S$171.20 (first year - waived)
  • Get 1.5% cashback on all eligible spend, with no min. spend required and no cap
  • Get double the cashback at 3% on first S$5,000 spent within first 6 months
  • Free travel insurance up to S$350,000 when you purchase travel tickets with this card
American Express True Cashback Card 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).

Maybank FC Barcelona Visa Signature: Best Unltd Cashback for Local Budgets

  • 1.6% unlimited local cashback, fee waiver w/ S$10,000 annual spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$120
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
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.

  • Stand-Out: 1.6% unlimited local cashback, fee waiver w/ S$10,000 annual spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$120
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
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.

OCBC 90°N Card: Hybrid Rewards for High Spenders

OCBC 90°N Card
OCBC 90°N Card
  • Annual fee: S$192.60 (first year - waived)
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
OCBC 90°N Card is a great option for high spenders seeking unlimited rewards–both as air miles and cashback. Cardholders first earn rewards in the form of Travel$, which are each valued at S$0.01 cash or 1 air mile. Accordingly, consumers earn at a rate of an unlimited 1.2% cashback locally (or 1.2 miles per S$1) and 2.1% overseas (or 2.1 miles). These rates are quite competitive–especially for overseas spend. In fact, OCBC 90°N Card's overseas rate is higher than that offered by any other unlimited cashback card. In fact, the closest alternative requires at least S$2k minimum spend just to access its boosted rate. OCBC 90°N Card, on the otherhand, does not have any minimum spend requirements. In any case, cardholders can redeem their rewards as cashback or miles at an equivalent valuation–most rewards cards devalue points redeemed for cash rebates. Additionally, rewards never expire and consumers never have to pay transfer or conversion fees.


In terms of bonuses and perks, cardholders receive 10,000 annual renewal Travel$, which can be redeemed as S$100 cash rebate or 10,000 air miles. This bonus offsets a great deal of the S$192.6 annual fee. Additionally, cardholders gain discounted access to lounges worldwide with Mastercard Airport Experiences. Overall, OCBC 90°N Card is a great fit for high spenders seeking both cashback and miles, without added costs, limitations or requirements.

OCBC 90°N Card
OCBC 90°N Card
  • Annual fee: S$192.60 (first year - waived)
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
OCBC 90°N Card is a great option for high spenders seeking unlimited rewards–both as air miles and cashback. Cardholders first earn rewards in the form of Travel$, which are each valued at S$0.01 cash or 1 air mile. Accordingly, consumers earn at a rate of an unlimited 1.2% cashback locally (or 1.2 miles per S$1) and 2.1% overseas (or 2.1 miles). These rates are quite competitive–especially for overseas spend. In fact, OCBC 90°N Card's overseas rate is higher than that offered by any other unlimited cashback card. In fact, the closest alternative requires at least S$2k minimum spend just to access its boosted rate. OCBC 90°N Card, on the otherhand, does not have any minimum spend requirements. In any case, cardholders can redeem their rewards as cashback or miles at an equivalent valuation–most rewards cards devalue points redeemed for cash rebates. Additionally, rewards never expire and consumers never have to pay transfer or conversion fees.


In terms of bonuses and perks, cardholders receive 10,000 annual renewal Travel$, which can be redeemed as S$100 cash rebate or 10,000 air miles. This bonus offsets a great deal of the S$192.6 annual fee. Additionally, cardholders gain discounted access to lounges worldwide with Mastercard Airport Experiences. Overall, OCBC 90°N Card is a great fit for high spenders seeking both cashback and miles, without added costs, limitations or requirements.

CIMB World MasterCard: Best Cashback for Wealthy Socialites

  • Unlimited 2% cashback on wine and dine, food delivery, entertainment, taxi & automobile and luxury goods and 50% off green fees
  • Promotions: Click on our link to get the latest promotion from CIMB!
  • Read Our Full Review
  • Annual fee: free for life
  • Unlimited 2% cashback on wine & dine, food delivery, entertainment, taxi & automobile, and luxury goods
  • Unlimited 1% cashback on all other spend
  • 50% off green fees at select fairways in Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB World MasterCard is the best cashback card on the market for high spenders with big social budgets. Cardholders earn 1% unlimited cashback on all spend–slightly lower than other unlimited cards–but also receive 2% on wine & dine (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods. 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 50% off green fees at fairways across SE Asia, plus additional perks like free travel insurance and access to MasterCard Airport Experiences. CIMB World MasterCard is also free forever. If you’re social high spender seeking no-fee cashback with no minimums, this is the card for you.

  • Stand-Out: Unlimited 2% cashback on wine and dine, food delivery, entertainment, taxi & automobile and luxury goods and 50% off green fees
  • Promotions: Click on our link to get the latest promotion from CIMB!
  • Read Our Full Review
  • Annual fee: free for life
  • Unlimited 2% cashback on wine & dine, food delivery, entertainment, taxi & automobile, and luxury goods
  • Unlimited 1% cashback on all other spend
  • 50% off green fees at select fairways in Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB World MasterCard is the best cashback card on the market for high spenders with big social budgets. Cardholders earn 1% unlimited cashback on all spend–slightly lower than other unlimited cards–but also receive 2% on wine & dine (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods. 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 50% off green fees at fairways across SE Asia, plus additional perks like free travel insurance and access to MasterCard Airport Experiences. CIMB World MasterCard is also free forever. If you’re social high spender seeking no-fee cashback with no minimums, this is the card for you.

CIMB Visa Infinite Card: Uncapped Cashback for Travellers

  • Unlimited 2% cashback on travel, overseas and online spend in foreign currencies
  • Promotions: Click on our link to get the latest promotion from CIMB!
  • Read Our Full Review
  • Annual fee: free for life
  • Unlimited 2% cashback on all travel and overseas spend
  • Unlimited 2% cashback on online spend in foreign currencies
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3 complimentary access to airport lounges
  • Visa Infinite Concierge
  • CIMB 0% Interest i.Pay Instalment Plan
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.

  • Stand-Out: Unlimited 2% cashback on travel, overseas and online spend in foreign currencies
  • Promotions: Click on our link to get the latest promotion from CIMB!
  • Read Our Full Review
  • Annual fee: free for life
  • Unlimited 2% cashback on all travel and overseas spend
  • Unlimited 2% cashback on online spend in foreign currencies
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3 complimentary access to airport lounges
  • Visa Infinite Concierge
  • CIMB 0% Interest i.Pay Instalment Plan
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.

Best Online & Shopping Cards with No Minimum Spend 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.

HSBC Revolution: Miles for Online & Social Spend

HSBC Revolution Credit Card
HSBC Revolution Credit Card
  • Annual fee: none
  • 4 miles (10 points) per S$1 spend online and via contactless payments (airlines, food delivery and retail)
  • 0.4 miles (1 point) per S$1 on all other spend (non-contactless payment)
  • No minimum spend requirement and no annual fee
  • 16% off petrol at Caltex and 14% off at Shell
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.
HSBC Revolution Credit Card
HSBC Revolution Credit Card
  • Annual fee: none
  • 4 miles (10 points) per S$1 spend online and via contactless payments (airlines, food delivery and retail)
  • 0.4 miles (1 point) per S$1 on all other spend (non-contactless payment)
  • No minimum spend requirement and no annual fee
  • 16% off petrol at Caltex and 14% off at Shell
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.

OCBC Titanium Card: No-Fee Miles for Retail Shopping

  • 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: New cardholders get welcome gift vouchers worth up to S$300 via STACK loyalty platform within 7 business days of card approval
  • Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$
  • Read Our Full Review
  • Annual fee: S$192.60 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10)
  • 0.4 miles (1 OCBC$ Pts.) on all other spend
  • 2% cash rebate on BEST Denki spend
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.

  • Stand-Out: 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: New cardholders get welcome gift vouchers worth up to S$300 via STACK loyalty platform within 7 business days of card approval
  • Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$
  • Read Our Full Review
  • Annual fee: S$192.60 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10)
  • 0.4 miles (1 OCBC$ Pts.) on all other spend
  • 2% cash rebate on BEST Denki spend
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.

Standard Chartered SingPost Spree: Rebates for Online Overseas

Standard Chartered Spree Credit Card
Standard Chartered Spree Credit Card
  • Annual fee: S$192.60 (waived for the first 2 years)
  • 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
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.
Standard Chartered Spree Credit Card
Standard Chartered Spree Credit Card
  • Stand-Out: Cashback on overseas online shopping + shipping discounts
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for the first 2 years)
  • 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
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.

Best Golfer Cards with No Minimum Spend Requirement

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

Maybank World MasterCard: Best Miles for Golfers

  • 2 free green fees/month, access to 120+ global fairways
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$240 (first year- waived)
  • Subsequent annual fee is waived with min annual spend of S$24,000
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Club21 and more)
  • Complimentary green fees all year round at 100 participating golf clubs in 23 countries
  • Free travel insurance, lounge access & global concierge
  • Pair with Corporate Fuel Card for petrol discounts up to 19.1%
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.

  • Stand-Out: 2 free green fees/month, access to 120+ global fairways
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$240 (first year- waived)
  • Subsequent annual fee is waived with min annual spend of S$24,000
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Club21 and more)
  • Complimentary green fees all year round at 100 participating golf clubs in 23 countries
  • Free travel insurance, lounge access & global concierge
  • Pair with Corporate Fuel Card for petrol discounts up to 19.1%
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.

Best Dining & Overseas Card with No Minimum Spend Requirement

If you have a smaller budget dedicated specifically to dining or overseas, you can benefit from the following card–without worrying about hitting a minimum to unlock its rewards rate.

Standard Chartered Rewards+: Miles for Small Dining & Overseas Budgets

Standard Chartered Rewards+ Credit Card
Standard Chartered Rewards+ Credit Card
  • Annual fee: S$192.60 (first year - waived)
  • 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
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.

Standard Chartered Rewards+ Credit Card
Standard Chartered Rewards+ Credit Card
  • Annual fee: S$192.60 (first year - waived)
  • 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
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.

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

Zoryana Melesh

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

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