Best Credit Cards for Online Shopping & Mobile Payments 2021

Shopping online and making mobile (or eWallet) payments is all about convenience. After reviewing 100+ of Singapore's best credit cards, we identified which maximise rewards for spend in these categories, as well as those with frequent promotions around digital purchases. Many of these credit cards are also SimplyGo-enabled, making it easy for you to enjoy total ease when making all types of contactless expenditures.

Best Credit Cards for Online Shopping
Best Credit Cards for Mobile Payments
  • UOB One: Highest flat rebate on the market, earn up to $300/qtr
  • DBS Live Fresh: All-in-one card w/ top rebates for online & contactless spend
Best Miles Credit Cards for Online Shopping
Best Online & Mobile Pay Cards for Young Adults
  • OCBC Frank: Up to 6% rebate for FX, online, and mobile purchases, low S$600 min. spend requirement
  • UOB YOLO: Rebates on essentials with easy fee-waiver
  • SC SingPost Spree: 3% rebate online overseas & vPost transactions
  • BOC Qoo10 Platinum: Low S$200 minimum spend requirement for perks
Best Online Shopping Cards for Groceries
  • CIMB Visa Signature: 10% cashback on online shopping, groceries, beauty and wellness, pet shops and cruises
  • UOB Delight: Up to 17% cumulative rebate on groceries, 3% on bills

Compare the Best Online Shopping & Mobile Pay Cards 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 best online shopping & mobile pay credit cards compare to one another in terms of their rewards
Best Credit Cards for Online Shopping & Mobile Payments in Singapore by Estimated 2-Year Dollar Value
Best Cards Overall for Online Shopping Best Credit Cards for Mobile Payments Best Miles Credit Cards for Online Shopping Best Online & Mobile Pay for Young Adults Best Online Shopping Cards for Groceries

Compare Best Online Shopping & Mobile Credit Cards 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 best online shopping & mobile pay credit cards compare to one another in terms of their rewards
Best Credit Cards for Online Shopping & Mobile Payments in Singapore by Estimated 2-Year Dollar Value

Best Credit Cards for Online Shopping

The following online shopper cards stand out for their high rates and flexibility.

Citi Rewards: Miles for Online & Fashion Retail

  • Up to 4mi/S$1 spend on fashion retail & all online spend
  • Promotions: New Citibank cardmembers get Apple Watch SE (worth $419) or S$350 cash via PayNow with S$200 min spend within 30 days of card approval (until May 16, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • Free travel insurance
With Citi Rewards Card, you can earn an impressive 10 points (4 miles) per S$1 spend on online shopping and on all of your clothing, bags, shoes and fashion items–online, offline, locally and overseas. This flexibility makes it easy to earn on a wide variety of spend, up to 4,000 miles/month (worth about S$40). Other spend earns 0.4 miles per S$1, so this is best suited to frequent & online shoppers. There is a S$192.6 annual fee, but it’s waived the 1st year. Overall, Citi Rewards Card is a great option if you want to earn miles for online spend and wherever you make your fashion purchases.
  • Stand-Out: Up to 4mi/S$1 spend on fashion retail & all online spend
  • Promotions: New Citibank cardmembers get Apple Watch SE (worth $419) or S$350 cash via PayNow with S$200 min spend within 30 days of card approval (until May 16, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • Free travel insurance
With Citi Rewards Card, you can earn an impressive 10 points (4 miles) per S$1 spend on online shopping and on all of your clothing, bags, shoes and fashion items–online, offline, locally and overseas. This flexibility makes it easy to earn on a wide variety of spend, up to 4,000 miles/month (worth about S$40). Other spend earns 0.4 miles per S$1, so this is best suited to frequent & online shoppers. There is a S$192.6 annual fee, but it’s waived the 1st year. Overall, Citi Rewards Card is a great option if you want to earn miles for online spend and wherever you make your fashion purchases.

OCBC Titanium Card: No-Fee Miles Card for Online Retail

  • 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
If you frequently shop retail, both fashion and otherwise, OCBC Titanium Rewards Card offers top rewards online, offline, locally and overseas–and even has a fee-waiver. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, department stores, and electronics, plus with some of the most popular online retail merchants in Singapore–Amazon, Alibaba, Lazada, Qoo10 & many more. Some competitors limit rewards to just fashion retail. Additionally, OCBC Titanium Card comes with a fee waiver after just S$10,000 spend–another feature not offered by competitors. Ultimately, if you want to earn miles from all of your retail spend and avoid a fee, OCBC Titanium is the card for you.
  • Stand-Out: 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
If you frequently shop retail, both fashion and otherwise, OCBC Titanium Rewards Card offers top rewards online, offline, locally and overseas–and even has a fee-waiver. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, department stores, and electronics, plus with some of the most popular online retail merchants in Singapore–Amazon, Alibaba, Lazada, Qoo10 & many more. Some competitors limit rewards to just fashion retail. Additionally, OCBC Titanium Card comes with a fee waiver after just S$10,000 spend–another feature not offered by competitors. Ultimately, if you want to earn miles from all of your retail spend and avoid a fee, OCBC Titanium is the card for you.

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

DBS Woman's World Card
DBS Woman's World Card
  • Up to 4 miles/S$1 spend on online shopping
  • Promotions: Use code 150CASH to get S$150 cashback when you apply and charge min S$800 within 60 days of card approval (until June 30, 2021)
  • Charge min S$25,000 to receive an annual fee waiver
  • 7% off at Chu Collagen (until Dec.31,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
DBS Woman’s World Card is a great option for primarily online shoppers who like to make big purchases and pay for them over time. Cardholders earn 4 miles per S$1 spend on online shopping and 0.4 miles per S$1 general spend, up to 8,000 miles/month total–which is double the cap of competitor shopping cards.


In addition, cardholders have access to the DBS My Preferred Payment Plan, which splits transactions of at least S$100 across up to 12 months, with no interest and no processing fee. Most plans charge fees of up to 5% of the transaction amount. DBS Woman’s World Card also stands out because its S$192.6 fee is waived with S$25,000 annual spend. Overall, this card is excellent if you frequently shop online and make big purchases.

DBS Woman's World Card
DBS Woman's World Card
  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Promotions: Use code 150CASH to get S$150 cashback when you apply and charge min S$800 within 60 days of card approval (until June 30, 2021)
  • Charge min S$25,000 to receive an annual fee waiver
  • 7% off at Chu Collagen (until Dec.31,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
DBS Woman’s World Card is a great option for primarily online shoppers who like to make big purchases and pay for them over time. Cardholders earn 4 miles per S$1 spend on online shopping and 0.4 miles per S$1 general spend, up to 8,000 miles/month total–which is double the cap of competitor shopping cards.


In addition, cardholders have access to the DBS My Preferred Payment Plan, which splits transactions of at least S$100 across up to 12 months, with no interest and no processing fee. Most plans charge fees of up to 5% of the transaction amount. DBS Woman’s World Card also stands out because its S$192.6 fee is waived with S$25,000 annual spend. Overall, this card is excellent if you frequently shop online and make big purchases.

Citi Lazada Card: Miles for Local Social & Lazada Spend

  • Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Sign up and receive a welcome gift of S$150 Lazada & S$100 RedMart Vouchers with S$250 min spend (until May 26,2021)
  • Get S$8 off on a minimum spend of S$20 for first time user of Lazada mobile app (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
  • Free travel insurance
Miles-seeking Lazada loyalists should look no further than Citi Lazada Card. Consumers not only receive an incredible 4 miles (10pts) per S$1 spend on the platform, they're also eligible to receive S$1.99 shipping rebates on purchases of S$50+ (up to 4x/month). While this may seem minor, each rebate can translate to up to 4% cashback on the corresponding purchase. Cardholders can also earn 2 miles (5pts) per S$1 spend on local dining, entertainment, travel and transport.


While these miles rates are impressive–especially given there's no minimum spend requirement to start earning–total rewards are capped at just 4,000 miles (10,000pts) per month. This translates to about S$40 value-to-consumer. Nonetheless, avid online shoppers can max out their rewards with as little as S$1k spend. As a result, Citi Lazada Card is a great option for platform loyalists who spend about S$1k monthly on retail goods from Lazada.

  • Stand-Out: Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Sign up and receive a welcome gift of S$150 Lazada & S$100 RedMart Vouchers with S$250 min spend (until May 26,2021)
  • Get S$8 off on a minimum spend of S$20 for first time user of Lazada mobile app (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
Miles-seeking Lazada loyalists should look no further than Citi Lazada Card. Consumers not only receive an incredible 4 miles (10pts) per S$1 spend on the platform, they're also eligible to receive S$1.99 shipping rebates on purchases of S$50+ (up to 4x/month). While this may seem minor, each rebate can translate to up to 4% cashback on the corresponding purchase. Cardholders can also earn 2 miles (5pts) per S$1 spend on local dining, entertainment, travel and transport.


While these miles rates are impressive–especially given there's no minimum spend requirement to start earning–total rewards are capped at just 4,000 miles (10,000pts) per month. This translates to about S$40 value-to-consumer. Nonetheless, avid online shoppers can max out their rewards with as little as S$1k spend. As a result, Citi Lazada Card is a great option for platform loyalists who spend about S$1k monthly on retail goods from Lazada.

Top Rebates for Public Transit: BOC Qoo10 World MasterCard

BOC Qoo10 World MasterCard
BOC Qoo10 World MasterCard
  • 10% rebate on Qoo10 purchases & 15% on public transport
  • Promotions: Use promo code when applying
  • Annual Fee: S$203.30, 1-year waiver
  • 3% rebate on Qoo10 spend w/S$400 min spend
  • 0.3% rebate on all other spend w/S$400 min spend
  • 10% rebate on Qoo10 spend w/S$800 min spend
  • 15% rebate on public transport transactions w/S$800 min spend
  • 3% rebate on transport, entertainment, fast food, online, and overseas spend w/S$800 min spend
  • Earnings capped at S$70 (comprised of S$30 cap on Qoo10 spend, and S$40 on spend outside of Qoo10)
The BOC Qoo10 World Mastercard is an excellent choice for low-spending consumers who want to earn rewards for their Qoo10 & other online purchases. With just S$800/month minimum spend, cardholders earn a 3% rebate on entertainment, fast food, online, and overseas spend. In addition to these perks, individuals earn a 10% rebate on their Qoo10 purchases & a 15% rebate on public transport transactions (SBS/SMRT buses & MRT), while all other purchases earn a 0.3% rebate. For individuals who may not meet the minimum monthly spend, this card also offers rewards rates at a lower spend requirement. With S$400 minimum spend, individuals can earn a 3% rebate on Qoo10 purchases and 0.3% on every other transaction.


This card has a somewhat high annual fee of S$203.30, however, if a cardholder maxes out the rewards for just 3 months, they will be able to offset the cost of the card. The monthly earnings cap for rewards is S$70, comprising a S$30 cap on Qoo10 purchases, and S$40 for all other purchases. Overall, this card offers both average and low spending consumers the ability to earn rewards on their Qoo10 purchases.

BOC Qoo10 World MasterCard
BOC Qoo10 World MasterCard
  • Stand-Out: 10% rebate on Qoo10 purchases & 15% on public transport
  • Promotions: Use promo code when applying
  • Annual Fee: S$203.30, 1-year waiver
  • 3% rebate on Qoo10 spend w/S$400 min spend
  • 0.3% rebate on all other spend w/S$400 min spend
  • 10% rebate on Qoo10 spend w/S$800 min spend
  • 15% rebate on public transport transactions w/S$800 min spend
  • 3% rebate on transport, entertainment, fast food, online, and overseas spend w/S$800 min spend
  • Earnings capped at S$70 (comprised of S$30 cap on Qoo10 spend, and S$40 on spend outside of Qoo10)
The BOC Qoo10 World Mastercard is an excellent choice for low-spending consumers who want to earn rewards for their Qoo10 & other online purchases. With just S$800/month minimum spend, cardholders earn a 3% rebate on entertainment, fast food, online, and overseas spend. In addition to these perks, individuals earn a 10% rebate on their Qoo10 purchases & a 15% rebate on public transport transactions (SBS/SMRT buses & MRT), while all other purchases earn a 0.3% rebate. For individuals who may not meet the minimum monthly spend, this card also offers rewards rates at a lower spend requirement. With S$400 minimum spend, individuals can earn a 3% rebate on Qoo10 purchases and 0.3% on every other transaction.


This card has a somewhat high annual fee of S$203.30, however, if a cardholder maxes out the rewards for just 3 months, they will be able to offset the cost of the card. The monthly earnings cap for rewards is S$70, comprising a S$30 cap on Qoo10 purchases, and S$40 for all other purchases. Overall, this card offers both average and low spending consumers the ability to earn rewards on their Qoo10 purchases.

Best Credit Cards for Mobile Payments

Several credit cards reward contactless or mobile spend. This can be a great benefit if you prefer a streamlined wallet and prefer to pay using a cellphone.

UOB One Credit Card: High Flat Rebate for Stable Budgets

UOB One Credit Card
UOB One Credit Card
  • Up to 5% rebate on all spend, S$300/quarter
  • Promotions: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 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 Programm
While not a straightforward shopper card, UOB One Card has one of the highest general rebate rates on the market, so you can earn cashback on all spend–online and offline. Cardholders with a stable S$2,000/month budget earn up to 5% cashback, up to S$300/quarter, boosted to 6% on utilities bills and 10% on Grab & UOB Travel. Lower spenders earn 3.33% up to S$50 or S$100/quarter, depending on minimum spend level.


UOB One Card is also compatible with multiple mobile pay apps, like Google Pay, Apple Pay, UOB Mighty & more. Cardholders can earn the same rebates for mobile payments as they would with their physical card. As a result, it’s even more convenient to earn on all spend with UOB One Card.

Finally, cardholders also enjoy access to UOB SMART$ Programme, which offers additional rebates with popular merchants throughout Singapore. With UOB One Card, it’s easy to earn top market rates on all of your spend with minimal effort, even just by paying with your phone.

UOB One Credit Card
UOB One Credit Card
  • Stand-Out: Up to 5% rebate on all spend, S$300/quarter
  • Promotions: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 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 Programm
While not a straightforward shopper card, UOB One Card has one of the highest general rebate rates on the market, so you can earn cashback on all spend–online and offline. Cardholders with a stable S$2,000/month budget earn up to 5% cashback, up to S$300/quarter, boosted to 6% on utilities bills and 10% on Grab & UOB Travel. Lower spenders earn 3.33% up to S$50 or S$100/quarter, depending on minimum spend level.


UOB One Card is also compatible with multiple mobile pay apps, like Google Pay, Apple Pay, UOB Mighty & more. Cardholders can earn the same rebates for mobile payments as they would with their physical card. As a result, it’s even more convenient to earn on all spend with UOB One Card.

Finally, cardholders also enjoy access to UOB SMART$ Programme, which offers additional rebates with popular merchants throughout Singapore. With UOB One Card, it’s easy to earn top market rates on all of your spend with minimal effort, even just by paying with your

DBS Live Fresh: Cashback for Online & Mobile Pay

DBS Live Fresh Card
DBS Live Fresh Card
  • Up to 5% rebates on online & contactless spend, additional 5% green cashback
  • Promotions: Use code 150CASH to get S$150 cashback when you apply and charge min S$800 within 60 days of card approval (until June 30, 2021)
  • Use code DBS10OFF300 to get S$10 off min spend of S$300 at PRISM+ (until July 31,2021)
  • 15% off Gaming Room PC with min 2hrs booking at Reality Rift Arena (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo functionality
DBS Live Fresh Card is great for tech-friendly consumers who prioritise convenience. Cardholders earn 5% rebate for online & contactless transactions after S$600 minimum spend, making it easy to earn on essentially all purchases. Even more, the card has EZ-Link functionality. This allows cardholders to consolidate their wallets and enjoy all-in-one convenience. Finally, it’s worth mentioning that rewards are capped at S$60/month, so this may be a better fit for lower spenders. Overall, DBS Live Fresh Card stands out for optimal convenience and high rates for online & contactless transactions.
DBS Live Fresh Card
DBS Live Fresh Card
  • Stand-Out: Up to 5% rebates on online & contactless spend, additional 5% green cashback
  • Promotions: Use code 150CASH to get S$150 cashback when you apply and charge min S$800 within 60 days of card approval (until June 30, 2021)
  • Use code DBS10OFF300 to get S$10 off min spend of S$300 at PRISM+ (until July 31,2021)
  • 15% off Gaming Room PC with min 2hrs booking at Reality Rift Arena (until June 30,2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo
DBS Live Fresh Card is great for tech-friendly consumers who prioritise convenience. Cardholders earn 5% rebate for online & contactless transactions after S$600 minimum spend, making it easy to earn on essentially all purchases. Even more, the card has EZ-Link functionality. This allows cardholders to consolidate their wallets and enjoy all-in-one convenience. Finally, it’s worth mentioning that rewards are capped at S$60/month, so this may be a better fit for lower spenders. Overall, DBS Live Fresh Card stands out for optimal convenience and high rates for online & contactless transactions.

Best Air Miles Credit Cards for Online Shopping

If you're both a traveller and a shopper looking to earn miles, consider these options.

KrisFlyer UOB Credit Card: Miles for SIA-Loyal Online Shoppers

UOB KrisFlyer Credit Card
UOB KrisFlyer Credit Card
  • Boosted everyday miles w/ SIA perks & privileges
  • Promotions: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • 5% savings on rentalcars.com (until June 30, 2021) + use code Flyer60 to get 60% travel insurance (single trip plan) + Up to 9% off all hotel bookings on Agoda (until Dec 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
If you're a young traveller and don't mind flying exclusively with SIA, consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 on general local and overseas spend, boosted to 3 miles for transactions with SIA, SilkAir, Scoot and KrisShop. Even better, those who spend at least S$500/year with SIA (equal to 2-3 ASEAN flights, on average) earn an elevated 3 miles per S$1 on dining, transport, online travel bookings & online fashion shopping. This is ideal for young adults with budgets concentrated in these areas, especially those who often shop online.


In terms of perks, KF UOB Card favours practical flyers. Cardholders enjoy privileges with Scoot airlines, a low-cost carrier, including free baggage allowance upgrades, complimentary standard seat selection, priority check-in & boarding and booking flexibility waivers. Consumers also receive S$15 in vouchers for Grab rides to and from Changi Airport as well as for ChangiWiFi. Cardholders even receive a S$20 rebate with S$100 nett spend on a single transaction at KrisShop, which offers a variety of fashion, make-up, wellness and other products. To round it all off, KF UOB Card also provides consumers with 10,000 bonus renewal miles every year. This annual bonus, worth about S$100, offsets the S$192.6 annual fee, making KrisFlyer UOB Card especially affordable.

UOB KrisFlyer Credit Card
UOB KrisFlyer Credit Card
  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Promotions: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • 5% savings on rentalcars.com (until June 30, 2021) + use code Flyer60 to get 60% travel insurance (single trip plan) + Up to 9% off all hotel bookings on Agoda (until Dec 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
If you're a young traveller and don't mind flying exclusively with SIA, consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 on general local and overseas spend, boosted to 3 miles for transactions with SIA, SilkAir, Scoot and KrisShop. Even better, those who spend at least S$500/year with SIA (equal to 2-3 ASEAN flights, on average) earn an elevated 3 miles per S$1 on dining, transport, online travel bookings & online fashion shopping. This is ideal for young adults with budgets concentrated in these areas, especially those who often shop online.


In terms of perks, KF UOB Card favours practical flyers. Cardholders enjoy privileges with Scoot airlines, a low-cost carrier, including free baggage allowance upgrades, complimentary standard seat selection, priority check-in & boarding and booking flexibility waivers. Consumers also receive S$15 in vouchers for Grab rides to and from Changi Airport as well as for ChangiWiFi. Cardholders even receive a S$20 rebate with S$100 nett spend on a single transaction at KrisShop, which offers a variety of fashion, make-up, wellness and other products. To round it all off, KF UOB Card also provides consumers with 10,000 bonus renewal miles every year. This annual bonus, worth about S$100, offsets the S$192.6 annual fee, making KrisFlyer UOB Card especially affordable.

HSBC Revolution: Miles for Utilities, Bookings & Social Spend

HSBC Revolution Credit Card
HSBC Revolution Credit Card
  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: All new cardholders will receive S$170 cashback with S$500 min spend + S$30 cashback when you apply with MyInfo via Singpass (until June 30,2021)
  • 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
If you want to both shop and pay bills online, there’s no better option than HSBC Revolution Card. Cardholders earn 2 miles per S$1 online spend, including everything from retail transactions to travel bookings, bill pay and food orders. There’s no minimum spend requirement or rewards caps, so you can immediately earn cashback when you spend online. Cardholders also earn 2 miles per S$1 on local dining & entertainment, so you’ll also earn on social spend.


Another benefit of HSBC Revolution Card is that it comes with a fee-waiver. After just S$12,500 annual spend, cardholders are exempt from the S$160.5 fee. Ultimately, if you want a miles-earning card for both social and practical spend, online and offline, HSBC Revolution Card is one of the best options available.

HSBC Revolution Credit Card
HSBC Revolution Credit Card
  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: All new cardholders will receive S$170 cashback with S$500 min spend + S$30 cashback when you apply with MyInfo via Singpass (until June 30,2021)
  • 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
If you want to both shop and pay bills online, there’s no better option than HSBC Revolution Card. Cardholders earn 2 miles per S$1 online spend, including everything from retail transactions to travel bookings, bill pay and food orders. There’s no minimum spend requirement or rewards caps, so you can immediately earn cashback when you spend online. Cardholders also earn 2 miles per S$1 on local dining & entertainment, so you’ll also earn on social spend.


Another benefit of HSBC Revolution Card is that it comes with a fee-waiver. After just S$12,500 annual spend, cardholders are exempt from the S$160.5 fee. Ultimately, if you want a miles-earning card for both social and practical spend, online and offline, HSBC Revolution Card is one of the best options available.

Best Online & Mobile Pay Cards for Young Adults

In addition to offering top rates, the following cards are great for young adults who shop online because of their accessibility and specialised promotions.

OCBC Frank Card: No-Fee Rebates for Young Adults

  • 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: Use code VISA15OFF to get 15% off Zalora w/ min spend of S$80 (until June 30, 2021)
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on FX & mobile contactless expenditures
  • 6% rebate on online purchases
OCBC Frank Card is the best online shopping card for young adults because it has one of the lowest minimum spend requirements on the market and even comes with a fee-waiver. After just S$600 offline spend, cardholders earn 6% for their online, FX, and mobile contactless purchases. The online rebate covers everything from fashion & travel to taxi bookings & ticket purchases. Even more, retail purchases through PayPal are rebate-eligible; most cards exclude Paypal spend from earning rewards.


OCBC Frank Card also stands out for having an easy fee-waiver. With just S$10,000 spend–less than S$1,000/month–cardholders are exempt from the already low S$80.0 fee. The closest competitor’s fee is nearly double this amount and is also non-waivable. Ultimately, if you want access to high rebate rates for online shopping, but want to avoid high minimums and annual fees, OCBC Frank Card is an excellent card for consideration.

  • Stand-Out: 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: Use code VISA15OFF to get 15% off Zalora w/ min spend of S$80 (until June 30, 2021)
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on FX & mobile contactless expenditures
  • 6% rebate on online purchases
OCBC Frank Card is the best online shopping card for young adults because it has one of the lowest minimum spend requirements on the market and even comes with a fee-waiver. After just S$600 offline spend, cardholders earn 6% for their online, FX, and mobile contactless purchases. The online rebate covers everything from fashion & travel to taxi bookings & ticket purchases. Even more, retail purchases through PayPal are rebate-eligible; most cards exclude Paypal spend from earning rewards.


OCBC Frank Card also stands out for having an easy fee-waiver. With just S$10,000 spend–less than S$1,000/month–cardholders are exempt from the already low S$80.0 fee. The closest competitor’s fee is nearly double this amount and is also non-waivable. Ultimately, if you want access to high rebate rates for online shopping, but want to avoid high minimums and annual fees, OCBC Frank Card is an excellent card for consideration.

UOB YOLO Card: Weekend Cashback for Young Social Spenders

UOB YOLO Card
UOB YOLO Card
  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
UOB YOLO Card, while stylized for young adults, offers some of the best rewards rates on the market for social spenders of all ages. Cardholders earn up to 8% cash back on weekend dining, entertainment, Grab, and select UOB Travel (3% on weekdays), plus 3% rebate on online fashion & travel, all after S$600 minimum spend.


UOB YOLO Card also comes with several benefits tailored to younger cardholders. Such privileges include 1-to-1 dining & drink specials, discounted movie tickets, nightlife privileges and more. And, while there’s a S$192.6 annual fee, it’s waived 1-year. Ultimately, UOB YOLO Card is a great option for weekend spenders seeking social & entertainment privileges.

UOB YOLO Card
UOB YOLO Card
  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until May 31, 2021)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
UOB YOLO Card, while stylized for young adults, offers some of the best rewards rates on the market for social spenders of all ages. Cardholders earn up to 8% cash back on weekend dining, entertainment, Grab, and select UOB Travel (3% on weekdays), plus 3% rebate on online fashion & travel, all after S$600 minimum spend.


UOB YOLO Card also comes with several benefits tailored to younger cardholders. Such privileges include 1-to-1 dining & drink specials, discounted movie tickets, nightlife privileges and more. And, while there’s a S$192.6 annual fee, it’s waived 1-year. Ultimately, UOB YOLO Card is a great option for weekend spenders seeking social & entertainment privileges.

Standard Chartered SingPost Spree: Online Shopping, Low Spenders

  • Cashback on overseas online shopping + shipping discounts
  • Promotions: Enjoy S$120 cashback with one spend made within 30 days of card approval (until June 30,2021)
  • Get S$20 cashback when you apply via SingPass MyInfo (until July 31, 2021)
  • Read Our Full Review
  • 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
If your budget is close to S$300–S$500/month, chances are minimum spend requirements are keeping you from earning meaningful cashback. With Standard Chartered SingPost Spree Card, however, you can earn 3% cashback on foreign online & vPost transactions, 2% on local online & contactless transactions and 1% on general retail–all without any minimum requirements. Cardholders also have access to discounts on packaging and shipping, making online overseas shopping (such as through sites like Amazon) even more rewarding. If you’re a lower spender and still want to earn higher rates for online and contactless spend, SC SingPost Spree Card is the best option for you.
  • Stand-Out: Cashback on overseas online shopping + shipping discounts
  • Promotions: Enjoy S$120 cashback with one spend made within 30 days of card approval (until June 30,2021)
  • Get S$20 cashback when you apply via SingPass MyInfo (until July 31, 2021)
  • Read Our Full Review
  • 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
If your budget is close to S$300–S$500/month, chances are minimum spend requirements are keeping you from earning meaningful cashback. With Standard Chartered SingPost Spree Card, however, you can earn 3% cashback on foreign online & vPost transactions, 2% on local online & contactless transactions and 1% on general retail–all without any minimum requirements. Cardholders also have access to discounts on packaging and shipping, making online overseas shopping (such as through sites like Amazon) even more rewarding. If you’re a lower spender and still want to earn higher rates for online and contactless spend, SC SingPost Spree Card is the best option for you.

BOC Qoo10 Platinum Mastercard: Rebates for Everyday & Qoo10 Spend

BOC Qoo10 Platinum Mastercard
BOC Qoo10 Platinum Mastercard
  • Low S$200 minimum spend requirement & 10% cashback on transport transactions
  • Promotions:
  • Annual Fee: S$32.10, 1-year waiver
  • 3% rebate on Qoo10 transactions w/S$200 min spend
  • 10% rebate on public transport transactions w/S$200 min spend
  • 3% rebate on transport, fast food, entertainment, online, and overseas
  • 0.3% rebate on all other spend
  • Earnings cap of S$30 (comprised of S$10 cap on Qoo10 transactions and S$20 for all other transactions)
The BOC Qoo10 Platinum Mastercard offers great rewards rates for low-budget young adults who want to earn on everyday & Qoo10 purchases. At a very low minimum spend of S$200, individuals can earn a 3% rebate on their Qoo10, transport, fast food, entertainment, online and overseas transactions. Additionally, cardholders will earn a 10% rebate on transportation transactions (limited to SBS/SMRT buses and MRT). This card also offers a general spend rate of 0.3% on all other purchases. Rebates are given in the form of Qmoney, where S$1= 1 Qmoney, which will be credited to your Qoo10 account.


There is a somewhat low earnings cap of S$30 (S$10 for Qoo10 purchases and S$20 for all other transactions), however with such a low minimum spend, consumers can earn rewards sooner than other cards. Overall, the BOC Qoo10 Platinum card offers low-spending consumers the opportunity to earn rewards on their purchases at a low minimum threshold.

BOC Qoo10 World MasterCard
BOC Qoo10 World MasterCard
  • Stand-Out: 10% rebate on Qoo10 purchases & 15% on public transport
  • Promotions: Use promo code when applying
  • Annual Fee: S$32.10, 1-year waiver
  • 3% rebate on Qoo10 transactions w/S$200 min spend
  • 10% rebate on public transport transactions w/S$200 min spend
  • 3% rebate on transport, fast food, entertainment, online, and overseas
  • 0.3% rebate on all other spend
  • Earnings cap of S$30 (comprised of S$10 cap on Qoo10 transactions and S$20 for all other transactions)
The BOC Qoo10 Platinum Mastercard offers great rewards rates for low-budget young adults who want to earn on everyday & Qoo10 purchases. At a very low minimum spend of S$200, individuals can earn a 3% rebate on their Qoo10, transport, fast food, entertainment, online and overseas transactions. Additionally, cardholders will earn a 10% rebate on transportation transactions (limited to SBS/SMRT buses and MRT). This card also offers a general spend rate of 0.3% on all other purchases. Rebates are given in the form of Qmoney, where S$1= 1 Qmoney, which will be credited to your Qoo10 account.


There is a somewhat low earnings cap of S$30 (S$10 for Qoo10 purchases and S$20 for all other transactions), however with such a low minimum spend, consumers can earn rewards sooner than other cards. Overall, the BOC Qoo10 Platinum card offers low-spending consumers the opportunity to earn rewards on their purchases at a low minimum threshold.

Best Online Shopping Cards for Groceries

These credit cards are great for high rates and discounts if you want rewards for online spend as well as on groceries.

CIMB Visa Signature: No-Fee Rebates on Groceries, Online & Beauty

CIMB Visa Signature
CIMB Visa Signature
  • Up to 10% rebate on online shopping, groceries & more
  • Promotions: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)
  • Read Our Full Review
  • 10% rebates on groceries, online shopping, beauty, petcare & cruises
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
With CIMB Visa Signature Card, cardholders can maximise cashback on discretionary spend, with a 10% rebate on online fashion spend, beauty care, pet expenses, and transactions with cruise lines (though groceries, a more functional category, is also rewarded). Earnings are capped at S$20/month for each individual category, which can be easily maxed out by S$200 spend. Essentially, this means CIMB Visa Signature Card is a great fit if you have a small-to-medium size online shopping budget, and also spend in a few other leisure categories.


Cumulatively, cardholders can earn up to S$100/month after an S$800 minimum spend, though this requires high spend in every rewards category. Nonetheless, those who only occasionally spend in these categories may still benefit as CIMB Visa Signature Card has no annual fee, and therefore is low-maintenance and low-risk.

CIMB Visa Signature
CIMB Visa Signature
  • Stand-Out: Up to 10% rebate on online shopping, groceries & more
  • Promotions: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)
  • Read Our Full Review
  • 10% rebates on groceries, online shopping, beauty, petcare & cruises
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
With CIMB Visa Signature Card, cardholders can maximise cashback on discretionary spend, with a 10% rebate on online fashion spend, beauty care, pet expenses, and transactions with cruise lines (though groceries, a more functional category, is also rewarded). Earnings are capped at S$20/month for each individual category, which can be easily maxed out by S$200 spend. Essentially, this means CIMB Visa Signature Card is a great fit if you have a small-to-medium size online shopping budget, and also spend in a few other leisure categories.


Cumulatively, cardholders can earn up to S$100/month after an S$800 minimum spend, though this requires high spend in every rewards category. Nonetheless, those who only occasionally spend in these categories may still benefit as CIMB Visa Signature Card has no annual fee, and therefore is low-maintenance and low-risk.

UOB Delight Card: Rebates on Groceries, Bills & Mobile Pay

UOB Delight Credit Card
UOB Delight Credit Card
  • Up to 17% cumulative discounts on groceries
  • Promotions: Now with SimplyGo compatibility, no need for top-ups or multiple cards & earn rewards on your rides
  • Read Our Full Review
  • Annual fee: S$85.6, 1-year waiver
  • Up to 8% rebate at Cold Storage, Market Place, Jasons, & more w/ S$800 min
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
UOB Delight Card is the absolute best card on the market for spend on groceries–but it also offers great rewards rates for contactless transactions & recurring bills. Cardholders earn 8% rebate with Cold Storage, Jasons, Market Place, Guardian and Giant, and another 10% discount on house brands, after S$800 minimum spend. After just S$400 spend, however, they can earn 3% rebates on contactless payments & select bills. This makes UOB Delight Card especially functional and versatile.


UOB Delight Cardholders also have access to the UOB SMART$ Programme, which offers up to an additional 10% off select merchants like United Overseas Insurance (UOI), Cathay Cineplexes, DHL and more. While there’s a S$50/month earnings cap, which is quite low, cardholders also enjoy perks like discounts up to 75% on hotels worldwide and dining privileges throughout Singapore. Ultimately, if you want a practical card that rewards contactless purchases and offers top rates for grocery spend, you should definitely consider UOB Delight Card.

UOB Delight Credit Card
UOB Delight Credit Card
  • Stand-Out: Up to 17% cumulative discounts on groceries
  • Promotions: Now with SimplyGo compatibility, no need for top-ups or multiple cards & earn rewards on your rides
  • Read Our Full Review
  • Annual fee: S$85.6, 1-year waiver
  • Up to 8% rebate at Cold Storage, Market Place, Jasons, & more w/ S$800 min
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
UOB Delight Card is the absolute best card on the market for spend on groceries–but it also offers great rewards rates for contactless transactions & recurring bills. Cardholders earn 8% rebate with Cold Storage, Jasons, Market Place, Guardian and Giant, and another 10% discount on house brands, after S$800 minimum spend. After just S$400 spend, however, they can earn 3% rebates on contactless payments & select bills. This makes UOB Delight Card especially functional and versatile.


UOB Delight Cardholders also have access to the UOB SMART$ Programme, which offers up to an additional 10% off select merchants like United Overseas Insurance (UOI), Cathay Cineplexes, DHL and more. While there’s a S$50/month earnings cap, which is quite low, cardholders also enjoy perks like discounts up to 75% on hotels worldwide and dining privileges throughout Singapore. Ultimately, if you want a practical card that rewards contactless purchases and offers top rates for grocery spend, you should definitely consider UOB Delight Card.

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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