Best Credit Cards for Online Shopping & Mobile Payments 2019

If you frequently shop online or actively use your mobile wallet, you may want to look for a card that provides high rebate or miles rewards rewards on online shopping and mobile payments. To help you save on your digital purchases, our team reviewed 100+ options to come up with the best online shopping credit cards.

Best Credit Cards for Online Shopping & Mobile Payments
Best for MilesOCBC Titanium4 miles per S$1 on fashion & merchants like Amazon, Qoo10
DBS Woman's World4 miles per S$1 for online shopping
Online Bill-PayHSBC Revolution2 miles/S$1 online spend (inc. transit, insurance premiums)
Mobile PaymentsUOB OneUp to 5% flat rebate capped at S$300/quarter
DBS Live Fresh5% rebate for online & contactless spend
Young AdultsOCBC Frank6% online, 5% entertainment rebate with just S$400 min.
UOB YOLOUp to 8% weekend cashback on Grab & entertainment
SC Spree3% cashback on foreign online, 2% local online & contactless

Best Miles Credit Cards for Online Shopping

If you prefer earning miles to cash back, you may be interested in the following shopper cards that stand out for their high rates and flexibility.

Best No-Fee Miles Card for Online Retail: 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$50 rebate w/ card approval
  • Up to 2% cash rebate at BEST Denki

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.

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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

Online Shopping Card with 0% Instalment Plan: DBS Woman’s World MasterCard

Consider this if you need to make a large purchase that you can't immediately afford

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Complimentary use of Quayside for 1 trip service (cardholder + 1 companion)

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.

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  • 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
  • Up to 15% fuel savings with SPC, 14% with Esso
  • 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
  • Up to 15% fuel savings with SPC, 14% with Esso

Best Miles Card for Online & Fashion: 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:
  • Receive 30,000 bonus points (12,000 miles) with S$3,000 spend
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend

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.

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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)
  • 4 miles (10pts) per S$1 online transactions
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • 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)
  • 4 miles (10pts) per S$1 online transactions
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best Miles Credit Card for Online Bill Pay: 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:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback

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.

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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 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.

Best Flat Rebate Credit Card: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Receive up to 6% rebate on Singapore Power utilities bill
  • Receive up to S$150 cashback with S$1,500 spend in 1st month

While not a straightforward shopper card, UOB One Card has one of the highest flat 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. 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.

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  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell

Cashback Card for Online & Mobile Pay: DBS Live Fresh Card

Consider this if you shop online or use mobile wallet frequently

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Apply online & receive up to S$180 cashback
  • Earn an extra 5% cashback on transport

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.

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  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with EZ-Link functionality
  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with EZ-Link functionality

Best Online Shopping 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.

Best No-Fee Rebate Card for Young Adults: OCBC Frank Card

Consider this if you frequently spend money shopping for luxury goods and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Receive 1 free night stay at M Social Singapore after S$400 min. spend

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$400 offline spend, cardholders earn 6% rebate on online spend, 5% on weekend entertainment & at select cafes (3% on weekdays), and 3% on the first 2 NETS FlashPay Auto Top-Ups. 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 weekend and online spend, but want to avoid high minimums and annual fees, OCBC Frank Card is an excellent card for consideration.

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  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
  • Up to 16% fuel savings with Caltex, 14% with Esso

Best Online Shopping Card for Social Young Adults: UOB YOLO Card

Consider this if you are a young adult looking for discounts and perks on dining, entertainment and travel spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$150 cashback with S$1,500 spend in 1st month

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 online fashion & travel spend (3% on weekdays) after a S$600 minimum–though it’s worth mentioning that these rates fluctuate often with card promotions.

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.

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  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, online travel & fashion (3% weekdays)
  • Free travel insurance
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, online travel & fashion (3% weekdays)
  • Free travel insurance

Best Online Shopping Card for Low Spenders: 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:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

If you’re 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.

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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
  • 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

Cashback Card for Beauty & Online Fashion: CIMB Visa Signature Card

CIMB Visa Signature
CIMB Visa Signature

Consider this if you want a no-fee credit card for beauty, online fashion & more

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A

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.

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  • Annual fee: Free
  • 10% cashback on groceries, online shopping, beauty, petcare & cruise lines
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on groceries, online shopping, beauty, petcare & cruise lines
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan

Rebate Card for Groceries, Bills & Mobile Pay: UOB Delight Card

UOB Delight Card
UOB Delight Card

Consider this if you want maximum savings on groceries

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$150 cashback with S$1,500 spend in 1st month

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.

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  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell

Summary of Best Credit Cards for Online Shopping and Mobile Payments 2019

Below, we've prepared a summary of our picks for the best credit cards for online shopping and mobile payments in 2019.

CardBest for...Annual Fee
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
UOB OneBest Flat RebateS$192.6
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
UOB YOLOWeekend Social SpendS$192.6
CardBest for...Annual Fee
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
UOB OneBest Flat RebateS$192.6
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
UOB YOLOWeekend Social SpendS$192.6

Compare the Best Online Shopping Credit Cards by Dollar Value

Below is a visual representation of the approximate savings one can earn by using the best online shopping credit cards in Singapore. These dollar values represent the approximate amount of rewards a person can earn in cash rebate & air miles when spending S$2,000 per month for 2 years. However, this amount can vary widely depending on what your spending habit looks like and how you redeem your miles.

A graph displaying how best online shopping credit cards compare to one another in terms of their rewards
Best Online Shopping Credit Cards in Singapore by Estimated 2-Year Dollar Value

*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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