Best Credit Card Promotions 2020

Credit card issuers are constantly updating their promotions. We've carefully reviewed the market to aggregate all promotions–current to the day–for the top credit cards in Singapore. Our analysis covers bonuses as well as inherent card values, ensuring the option you select will reward spend far beyond the welcome offer.

Best OCBC Credit Card Promotions
  • OCBC 90°N: 4 miles per S$1 overseas & 10,000 annual bonus miles
  • OCBC 365: Rebates on essentials with easy fee-waiver
  • OCBC Frank: Up to 6% rebate online, low S$400 min. spend requirement
  • OCBC Titanium: 4 miles per S$1 on fashion & select retail
  • OCBC Voyage: Flexible miles redemption, boosted rewards for local dining
  • OCBC Cashflo: Rewards for split payments, no processing fee
Best Maybank Credit Card Promotions
Best DBS & POSB Credit Card Promotions
Best HSBC Credit Card Promotions
Best UOB Credit Card Promotions
  • UOB One: Highest flat rebate on the market, earn up to $300/qtr
  • UOB PRVI Miles Amex: Fee-Waiver + 20,000 bonus miles, 2.4 miles per $1 overseas
  • UOB YOLO: Up to 8% rebate on weekend dining, entertainment & Grab
  • UOB Delight: Up to 17% cumulative rebate on groceries, 3% on bills
Best Standard Chartered Credit Card Promotions
Best Citibank Credit Card Promotions
Best American Express Credit Card Promotions
Best CIMB Credit Card Promotions

Compare the Best 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 best rewards credit cards compare to one another in terms of their rewards
Best Credit Cards in Singapore by Estimated 2-Year Dollar Value
Best OCBC Credit Card Promotions Best Maybank Credit Card Promotions Best DBS & POSB Credit Card Promotions Best HSBC Credit Card Promotions Best UOB Credit Card Promotions Best Standard Chartered Credit Card Promotions Best Citibank Credit Card Promotions Best American Express Credit Card Promotions Best CIMB Credit Card Promotions

Compare Best 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 rewards credit cards compare to one another in terms of their rewards
Best Credit Cards in Singapore by Estimated 2-Year Dollar Value

Best OCBC Credit Card Promotions

Learn more about the best credit cards from OCBC Bank as well as their current promotions.

OCBC 90°N Card: Easy-to-Use & Highest Overseas Miles Rate

  • Up to 4 miles per S$1 spend overseas
  • Promotions: Up to 10% off Emirates economy & business class
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, S$10,000 annual bonus miles
  • 1.2 miles per S$1 locally, 4 miles overseas & on select airlines
  • 4 miles per S$1 on select entertainment (Netflix, Spotify & more)
  • 8 miles per S$1 on select travel & accommodations bookings (Agoda, AirBnB & more)
  • No miles redemption fee, miles never expire
If you're travelling in December and January and don't mind skipping out on luxury perks, OCBC 90°N Card offers the absolute best way to accelerate miles earnings without added fees or complication. The card, which is relatively new, is offering 4 miles per S$1 spend overseas and with select airlines (Singapore, AirAsia & more). No travel card–even the most expensive–matches this rate. Cardholders additionally earn 4 miles per S$1 spend with entertainment merchants like Netflix and Spotify and 8 miles with Agoda, AirBnB and other travel booking sites. Miles never expire, and there are no redemption or conversion fees.


It's worth pointing out, however, that the rates above are promotional and apply only until February 2020. Nonetheless, even after this date, consumers enjoy 1.2 miles per S$1 locally and 2.1 miles overseas–rates that are still competitive in the current market. Ultimately, if you're going overseas for the holiday, consider using OCBC 90°N Card to maximise miles on every part of your journey–from booking to flying to spending overseas.

  • Stand-Out: Up to 4 miles per S$1 spend overseas
  • Promotions: Up to 10% off Emirates economy & business class
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, S$10,000 annual bonus miles
  • 1.2 miles per S$1 locally, 4 miles overseas & on select airlines
  • 4 miles per S$1 on select entertainment (Netflix, Spotify)
  • 8 miles per S$1 on select travel & accommodations bookings (Agoda, AirBnB & more)
  • No miles redemption fee, miles never expire
If you're travelling in December and January and don't mind skipping out on luxury perks, OCBC 90°N Card offers the absolute best way to accelerate miles earnings without added fees or complication. The card, which is relatively new, is offering 4 miles per S$1 spend overseas and with select airlines (Singapore, AirAsia & more). No travel card–even the most expensive–matches this rate. Cardholders additionally earn 4 miles per S$1 spend with entertainment merchants like Netflix and Spotify and 8 miles with Agoda, AirBnB and other travel booking sites. Miles never expire, and there are no redemption or conversion fees.


It's worth pointing out, however, that the rates above are promotional and apply only until February 2020. Nonetheless, even after this date, consumers enjoy 1.2 miles per S$1 locally and 2.1 miles overseas–rates that are still competitive in the current market. Ultimately, if you're going overseas for the holiday, consider using OCBC 90°N Card to maximise miles on every part of your journey–from booking to flying to spending overseas.

OCBC 365 Card: Rebates on Everyday Essentials

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Earn S$50 rebate w/ card approval
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
The best everyday card with a waivable fee is definitely OCBC 365 Card. If you spend S$10,000 per year (about S$833/month), you not only receive a fee-waiver, but also meet the S$800 minimum required for great rebates on daily purchases in nearly all spend categories. Cardholders earn 6% rebate on dining & online food delivery and 3% on groceries, land transport, travel bookings, and even recurring electricity and telco bills. OCBC 365 Card’s closest competitor offers only 1% rebate on bills, capped at just S$1/month.


A few other great features of OCBC 365 are that categories are not restricted by merchant, and rewards aren’t capped by individual category. Other everyday cards only reward spend with specific vendors, which can be both inconvenient and limiting. With OCBC 365 Card, consumers can shop freely and earn rewards wherever they spend. Additionally, some cards limit earnings per spend category but OCBC 365 Card allows fluid spending, capping total earnings at S$80/month. Ultimately, if you want a flexible everyday card with great rates and a fee-waiver, this is the best card out there.

  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Earn S$50 rebate w/ card approval
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
The best everyday card with a waivable fee is definitely OCBC 365 Card. If you spend S$10,000 per year (about S$833/month), you not only receive a fee-waiver, but also meet the S$800 minimum required for great rebates on daily purchases in nearly all spend categories. Cardholders earn 6% rebate on dining & online food delivery and 3% on groceries, land transport, travel bookings, and even recurring electricity and telco bills. OCBC 365 Card’s closest competitor offers only 1% rebate on bills, capped at just S$1/month.


A few other great features of OCBC 365 are that categories are not restricted by merchant, and rewards aren’t capped by individual category. Other everyday cards only reward spend with specific vendors, which can be both inconvenient and limiting. With OCBC 365 Card, consumers can shop freely and earn rewards wherever they spend. Additionally, some cards limit earnings per spend category but OCBC 365 Card allows fluid spending, capping total earnings at S$80/month. Ultimately, if you want a flexible everyday card with great rates and a fee-waiver, this is the best card out there.

OCBC Frank Card: Easy Cashback for Online Spend

  • Up to 6% rebate online after just S$400 offline spend
  • Promotions: Earn S$50 rebate w/ card approval
  • 1 Free Night at M Social Singapore w/ S$400 spend in 1st mo
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
Young adults can maximise cashback on social and online spend with one of the lowest minimum requirements on the market with OCBC Frank Card. After spending just S$400 offline, cardholders earn 6% rebate on online shopping, 5% on weekend entertainment and at select cafes (3% on weekdays), and 3% on their first 2 NETS FlashPay Auto Top-Ups.


Total earnings are capped at S$60/month, which is fairly generous given the high rates and low minimum. Even better, the already low S$80.0 fee is waived with S$10,000 annual spend. This card’s closest competitor doesn’t offer a waiver. Ultimately, OCBC Frank Card is one of the best cards on the market for young adults because of its accessibility and affordability.

  • Stand-Out: Up to 6% rebate online after just S$400 offline spend
  • Promotions: Earn S$50 rebate w/ card approval
  • 1 Free Night at M Social Singapore w/ S$400 spend in 1st mo
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
Young adults can maximise cashback on social and online spend with one of the lowest minimum requirements on the market with OCBC Frank Card. After spending just S$400 offline, cardholders earn 6% rebate on online shopping, 5% on weekend entertainment and at select cafes (3% on weekdays), and 3% on their first 2 NETS FlashPay Auto Top-Ups.


Total earnings are capped at S$60/month, which is fairly generous given the high rates and low minimum. Even better, the already low S$80.0 fee is waived with S$10,000 annual spend. This card’s closest competitor doesn’t offer a waiver. Ultimately, OCBC Frank Card is one of the best cards on the market for young adults because of its accessibility and affordability.

OCBC Titanium Card: Miles for Fashion & Retail

  • Up to 4 mi/S$1 on fashion & select retail
  • Promotions: Earn S$50 rebate w/ card approval
  • 2% cash rebate at BEST Denki
  • 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’re a frequent retail shopper, OCBC Titanium Rewards Card offers one of the best ways to maximise rewards for your spend without paying a fee. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, department stores, and electronics online, offline, locally and overseas. This same rate is offered by competitors, but OCBC Titanium Card also offers 4 miles per S$1 spend with select merchants like Amazon, Alibaba, Lazada, Qoo10 & many more–essentially, cardholders can earn on just about every kind of retail purchase, from appliances to beauty products and beyond. This makes it quite easy to max out the 4,000 miles/month rewards cap.


Another way in which OCBC Titanium Card stands out is that its S$192.6 fee is waived 2 years, and then with S$10,000 annual spend. Competitor cards do not offer a fee waiver, making OCBC Titanium Card more affordable to the average consumer. Overall, OCBC Titanium Card is the best option on the market for retail shoppers.

  • Stand-Out: Up to 4 mi/S$1 on fashion & select retail
  • Promotions: Earn S$50 rebate w/ card approval
  • 2% cash rebate at BEST Denki
  • 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’re a frequent retail shopper, OCBC Titanium Rewards Card offers one of the best ways to maximise rewards for your spend without paying a fee. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, department stores, and electronics online, offline, locally and overseas. This same rate is offered by competitors, but OCBC Titanium Card also offers 4 miles per S$1 spend with select merchants like Amazon, Alibaba, Lazada, Qoo10 & many more–essentially, cardholders can earn on just about every kind of retail purchase, from appliances to beauty products and beyond. This makes it quite easy to max out the 4,000 miles/month rewards cap.


Another way in which OCBC Titanium Card stands out is that its S$192.6 fee is waived 2 years, and then with S$10,000 annual spend. Competitor cards do not offer a fee waiver, making OCBC Titanium Card more affordable to the average consumer. Overall, OCBC Titanium Card is the best option on the market for retail shoppers.

OCBC Voyage: Boosted Miles for Local Dining

OCBC Voyage Card
OCBC Voyage Card
  • Flexible miles redemption, boosted rewards for local dining
  • Promotions: Receive 15,000 annual bonus miles
  • 4th hotel night free at select hotels
  • Read Our Full Review
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
Affluent consumers with shifting travel schedules are most likely to benefit from the earning and redemption flexibility of OCBC Voyage Card. Unlike other cards, OCBC Voyage Card has no black-out dates for miles redemption with any airline, at any time. Cardholders also never have to pay a conversion fee when they redeem miles. In addition to these conveniences, consumers also enjoy boosted rewards when they’re at home. While most travel cards heavily reward overseas spend rather than local spend, OCBC Voyage Card offers 1.2 miles per S$1 locally as well as 1.6 miles on local dining. Overseas spend still earns at a high rate of 2.4 miles per S$1, which allows OCBC Voyage Cardholders to rapidly accrue miles wherever they are.


OCBC Voyage Card also offers travel perks. While the S$488 fee is rather high, cardholders enjoy great value through privileges like unlimited lounge access, free limo transfers, and golfing privileges across SE Asia. These perks, in fact, parallel those offered by more expensive travel cards. Ultimately, OCBC Voyage Card offers great flexibility for affluent consumers as well as top-notch perks, making it one of the best miles-earning cards on the market.

OCBC Voyage Card
OCBC Voyage Card
  • Stand-Out: Flexible miles redemption, boosted rewards for local dining
  • Promotions: Receive 15,000 annual bonus miles
  • 4th hotel night free at select hotels
  • Read Our Full Review
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
Affluent consumers with shifting travel schedules are most likely to benefit from the earning and redemption flexibility of OCBC Voyage Card. Unlike other cards, OCBC Voyage Card has no black-out dates for miles redemption with any airline, at any time. Cardholders also never have to pay a conversion fee when they redeem miles. In addition to these conveniences, consumers also enjoy boosted rewards when they’re at home. While most travel cards heavily reward overseas spend rather than local spend, OCBC Voyage Card offers 1.2 miles per S$1 locally as well as 1.6 miles on local dining. Overseas spend still earns at a high rate of 2.4 miles per S$1, which allows OCBC Voyage Cardholders to rapidly accrue miles wherever they are.


OCBC Voyage Card also offers travel perks. While the S$488 fee is rather high, cardholders enjoy great value through privileges like unlimited lounge access, free limo transfers, and golfing privileges across SE Asia. These perks, in fact, parallel those offered by more expensive travel cards. Ultimately, OCBC Voyage Card offers great flexibility for affluent consumers as well as top-notch perks, making it one of the best miles-earning cards on the market.

OCBC Cashflo Card: Rebates on Instalment Payments

  • 1% rebate on purchases made w/ 0% interest instalment plan
  • Promotions: Earn S$50 rebate w/ card approval
  • Up to 55% off single trip travel insurance
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
OCBC Cashflo Card is the most convenient card available if you tend to make large purchases and pay for them over time. First of all, its 0% interest instalment plan does not have a processing fee; competitors often charge 3%–5% of the transaction amount. Also, OCBC Cashflo Card has a unique triggering system. Cardholders specify a transaction amount that automatically triggers splitting payments into instalments across 3 to 6 months. This means consumers don’t need to pre-plan their shopping sprees and can make purchases spontaneously. Most alternatives require cardholders to call ahead and apply for the instalment plan for each relevant purchase.


Even better, OCBC Cashflo Card offers rebates on purchases–including on split payments under the plan. Cardholders earn 1% flat rebate with S$1,000/month spend, or 0.5% when spend is lower. These rates are rather low, and may be seen as just extras on a card that is best for convenience and rewards in splitting payments for large purchases. It’s also worth mentioning that there’s a S$160.5, but it’s waived for 2 years and subsequently with S$10,000 annual spend.

  • Stand-Out: 1% rebate on purchases made w/ 0% interest instalment plan
  • Promotions: Earn S$50 rebate w/ card approval
  • Up to 55% off single trip travel insurance
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
OCBC Cashflo Card is the most convenient card available if you tend to make large purchases and pay for them over time. First of all, its 0% interest instalment plan does not have a processing fee; competitors often charge 3%–5% of the transaction amount. Also, OCBC Cashflo Card has a unique triggering system. Cardholders specify a transaction amount that automatically triggers splitting payments into instalments across 3 to 6 months. This means consumers don’t need to pre-plan their shopping sprees and can make purchases spontaneously. Most alternatives require cardholders to call ahead and apply for the instalment plan for each relevant purchase.


Even better, OCBC Cashflo Card offers rebates on purchases–including on split payments under the plan. Cardholders earn 1% flat rebate with S$1,000/month spend, or 0.5% when spend is lower. These rates are rather low, and may be seen as just extras on a card that is best for convenience and rewards in splitting payments for large purchases. It’s also worth mentioning that there’s a S$160.5, but it’s waived for 2 years and subsequently with S$10,000 annual spend.

Best Maybank Credit Card Promotions

Learn more about the best credit cards from Maybank as well as their current promotions.

Maybank Horizon Visa Signature: Best for Local Miles

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card is the best travel card for people with mostly local budgets, but who want to earn miles when they plan and go on vacations. Cardholders earn more for local spend than any other miles card on the market–3.2 miles per S$1 spend on dining, petrol, taxis and Grab, and hotel bookings with Agoda. However, consumers also earn at respectable rates on travel spend and overseas, at 2 miles per $1 spend on air tickets, travel packages and foreign currency transactions. While not a traditional travel card, Maybank Horizon Card even offers a few perks, like free travel insurance and airport lounge access.


Another reason Maybank Horizon Card is so great is that the S$180.0 fee is waived 3 years, and subsequently with just S$18,000 annual spend–equal to S$1,500/month. Most miles-earning cards have much higher fees, so having a fee-waiver is a stand-out way to offer added value. Ultimately, if you want to earn miles on your local and vacation spend and avoid a fee, Maybank Horizon Card is one of the best options available on the market.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card is the best travel card for people with mostly local budgets, but who want to earn miles when they plan and go on vacations. Cardholders earn more for local spend than any other miles card on the market–3.2 miles per S$1 spend on dining, petrol, taxis and Grab, and hotel bookings with Agoda. However, consumers also earn at respectable rates on travel spend and overseas, at 2 miles per $1 spend on air tickets, travel packages and foreign currency transactions. While not a traditional travel card, Maybank Horizon Card even offers a few perks, like free travel insurance and airport lounge access.


Another reason Maybank Horizon Card is so great is that the S$180.0 fee is waived 3 years, and subsequently with just S$18,000 annual spend–equal to S$1,500/month. Most miles-earning cards have much higher fees, so having a fee-waiver is a stand-out way to offer added value. Ultimately, if you want to earn miles on your local and vacation spend and avoid a fee, Maybank Horizon Card is one of the best options available on the market.

Maybank Family & Friends MasterCard: Top Rebates in SG & MY

  • Best for Rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
The absolute best card for people who spend time in both Malaysia and Singapore is Maybank Family & Friends Card. Spending S$500/month earns 5% rebate on dining, groceries, transport, petrol, data communications/online TV streaming & more; S$800/month spend earns 8% rebate. Most other cards offer a maximum of 3.33% cashback at this spend level.


Another reason Maybank F&F Card stands out is that its $180.0 fee is waived with just S$12,000 annual spend, or S$1,000/month. This makes the card more accessible to lower spenders, and ultimately, Maybank F&F Card is the best rebate card for regional spenders with budgets of S$500 to S$1,000/month.

  • Stand-Out: Rebates of up to 8% in SG & MY w/ just S$500–800 spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
The absolute best card for people who spend time in both Malaysia and Singapore is Maybank Family & Friends Card. Spending S$500/month earns 5% rebate on dining, groceries, transport, petrol, data communications/online TV streaming & more; S$800/month spend earns 8% rebate. Most other cards offer a maximum of 3.33% cashback at this spend level.


Another reason Maybank F&F Card stands out is that its $180.0 fee is waived with just S$12,000 annual spend, or S$1,000/month. This makes the card more accessible to lower spenders, and ultimately, Maybank F&F Card is the best rebate card for regional spenders with budgets of S$500 to S$1,000/month.

Maybank FC Barcelona Visa Signature: Unlimited Local Cashback

  • 1.6% unltd local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
If you’re an especially affluent local spender, Maybank FC Barcelona Visa Signature Card is the best unlimited cashback option for you. This card offers 1.6% flat cashback on local spend, which is higher than competitors, who offer just 1.5%. This may seem like a small difference, but it quickly adds up with higher spend–another reason why high spenders are most likely to benefit from this card, beyond its uncapped earning potential.


It’s worth pointing out that this card is best for local spenders. Foreign currency transactions earn just 2 pts, or 0.8 miles, per S$1 spend–roughly equivalent to 0.8% rebate. However, Maybank FC Barcelona also comes with unique sporting benefits that set it apart, including sweepstakes and promotions for FC Barcelona games and merchandise. Additionally, the S$120.0 fee is waived with S$10,000 annual spend, which is rare for unlimited cards. Ultimately, Maybank FC Barcelona Card is the best option for affluent local spenders, especially if they’re sports fans.

  • Stand-Out: 1.6% unlimited local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
If you’re an especially affluent local spender, Maybank FC Barcelona Visa Signature Card is the best unlimited cashback option for you. This card offers 1.6% flat cashback on local spend, which is higher than competitors, who offer just 1.5%. This may seem like a small difference, but it quickly adds up with higher spend–another reason why high spenders are most likely to benefit from this card, beyond its uncapped earning potential.


It’s worth pointing out that this card is best for local spenders. Foreign currency transactions earn just 2 pts, or 0.8 miles, per S$1 spend–roughly equivalent to 0.8% rebate. However, Maybank FC Barcelona also comes with unique sporting benefits that set it apart, including sweepstakes and promotions for FC Barcelona games and merchandise. Additionally, the S$120.0 fee is waived with S$10,000 annual spend, which is rare for unlimited cards. Ultimately, Maybank FC Barcelona Card is the best option for affluent local spenders, especially if they’re sports fans.

Maybank Platinum Visa: Easy Rebates for Small Local Budgets

  • Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Quarterly service fee: S$20.0, 3-year waiver, then w/ card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend (local only)
  • S$100 quarterly rebate with at least S$1,000 monthly spend (local only)
  • 0.3% rebate on overseas spend, capped at S$50/month
  • Free travel insurance
Lower spenders often have trouble earning cashback because of the high minimum requirements associated with most cards. Maybank Platinum Visa Card, however, is the best card for people with a lower, local budget because it offers respectable rebates after just S$300 minimum monthly local spend. At this spend level, cardholders earn S$30/quarter, which adds up to S$120 in annual earnings with just S$1,200 annual spend. With alternative cards, consumers would likely earn 0.3% base rebate, totalling to S$3.6/year. Higher spend can earn higher rebates (S$1,000/month earns $100/quarter), but this rate is less competitive than alternatives on the market.


Maybank Platinum Visa Card is also the best option for lower, local spenders because the S$20.0 quarterly service fee is waived 3 years, and then simply with card use. There are few cards as affordable and easily accessible, especially that reward spend at such a low level. Therefore, if you’re spend habits fit this profile, you should definitely consider Maybank Platinum Visa Card.

  • Stand-Out: Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Quarterly service fee: S$20.0, 3-year waiver, then w/ card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend (local only)
  • S$100 quarterly rebate with at least S$1,000 monthly spend (local only)
  • 0.3% rebate on overseas spend, capped at S$50/month
  • Free travel insurance
Lower spenders often have trouble earning cashback because of the high minimum requirements associated with most cards. Maybank Platinum Visa Card, however, is the best card for people with a lower, local budget because it offers respectable rebates after just S$300 minimum monthly local spend. At this spend level, cardholders earn S$30/quarter, which adds up to S$120 in annual earnings with just S$1,200 annual spend. With alternative cards, consumers would likely earn 0.3% base rebate, totalling to S$3.6/year. Higher spend can earn higher rebates (S$1,000/month earns $100/quarter), but this rate is less competitive than alternatives on the market.


Maybank Platinum Visa Card is also the best option for lower, local spenders because the S$20.0 quarterly service fee is waived 3 years, and then simply with card use. There are few cards as affordable and easily accessible, especially that reward spend at such a low level. Therefore, if you’re spend habits fit this profile, you should definitely consider Maybank Platinum Visa Card.

Maybank World MasterCard: Miles + Golfing Privileges

  • 2 free green fees/month, access to 120+ global fairways
  • Promotions: Receive free American Tourister Luggage w/ S$400 monthly spend for 2mo
  • Read Our Full Review
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
If you’re an affluent golfer–and especially if you often spend on luxury retail–Maybank World MasterCard is the best card on the market for you. Cardholders receive the most comprehensive set of golfing privileges available with 2 complimentary green fees per month at an incredible 120 fairways across 25 countries.


Consumers also earn 10 pts (4 miles) per S$1 spend with select dining and luxury retail merchants, and receive free travel insurance and airport lounge access. Yet another perk is that the S$240.0 fee is waived 1 year and subsequently with S$24,000 annual spend. Supplementary card spend contributes to this minimum, making it even easier to earn the fee waiver. Ultimately, Maybank World MasterCard is one of the best cards for golfers, with added earning opportunities for luxury spend.

  • Stand-Out: 2 free green fees/month, access to 120+ global fairways
  • Promotions: Receive free American Tourister Luggage w/ S$400 monthly spend for 2mo
  • Read Our Full Review
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
If you’re an affluent golfer–and especially if you often spend on luxury retail–Maybank World MasterCard is the best card on the market for you. Cardholders receive the most comprehensive set of golfing privileges available with 2 complimentary green fees per month at an incredible 120 fairways across 25 countries.


Consumers also earn 10 pts (4 miles) per S$1 spend with select dining and luxury retail merchants, and receive free travel insurance and airport lounge access. Yet another perk is that the S$240.0 fee is waived 1 year and subsequently with S$24,000 annual spend. Supplementary card spend contributes to this minimum, making it even easier to earn the fee waiver. Ultimately, Maybank World MasterCard is one of the best cards for golfers, with added earning opportunities for luxury spend.

Best DBS & POSB Credit Card Promotions

Learn more about the best credit cards from DBS & POSB as well as their current promotions.

DBS Altitude Visa: Affordable Travel Perks & Fee-Waiver

  • Free lounge access & golf privileges, waivable fee
  • Promotions: Apply online & receive up to 38,000 welcome miles
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you’re looking for great rewards rates and travel perks but want to avoid paying a fee, DBS Altitude Visa Card is the best card on the market. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas, and 3 miles for online travel booking, which is fairly standard.


However, DBS Altitude Card offers more perks than most comparable cards, including free travel insurance, 2 lounge visits/year, golfing privileges throughout SE Asia and dining privileges through Visa Foodie Trail. Even better, cardholders can avoid the S$192.6 fee with S$25,000 annual spend. Overall, DBS Altitude Card provides access to respectable rates and great perks without paying an annual fee.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: Apply online & receive up to 38,000 welcome miles
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
If you’re looking for great rewards rates and travel perks but want to avoid paying a fee, DBS Altitude Visa Card is the best card on the market. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas, and 3 miles for online travel booking, which is fairly standard.


However, DBS Altitude Card offers more perks than most comparable cards, including free travel insurance, 2 lounge visits/year, golfing privileges throughout SE Asia and dining privileges through Visa Foodie Trail. Even better, cardholders can avoid the S$192.6 fee with S$25,000 annual spend. Overall, DBS Altitude Card provides access to respectable rates and great perks without paying an annual fee.

POSB Everyday Card: Everyday Essentials + SimplyGo

  • Promotional rebates of up to 15% in key spend categories
  • Promotions: Receive S$120 cashback w/ S$800 spend in 2mo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card is one of the best rebate cards for daily essentials because of its market-leading rates in key spend categories. Cardholders can typically earn at promotional rates of up to 15% cashback on online food delivery & catering, dining, groceries, parking & transport, personal care and recurring bills. Most of these categories are limited to specific merchants, but these merchants are quite popular (Sheng Siong, Gojek, Watsons & more). It's also worth mentioning that the card is ABT compatible, allowing for contactless fare payments on public transit, and its S$192.6 annual fee is waived the 1st year.
  • Stand-Out: Promotional rebates of up to 15% in key spend categories
  • Promotions: Receive S$120 cashback w/ S$800 spend in 2mo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card is one of the best rebate cards for daily essentials because of its market-leading rates in key spend categories. Cardholders can typically earn at promotional rates of up to 15% cashback on online food delivery & catering, dining, groceries, parking & transport, personal care and recurring bills. Most of these categories are limited to specific merchants, but these merchants are quite popular (Sheng Siong, Gojek, Watsons & more). It's also worth mentioning that the card is ABT compatible, allowing for contactless fare payments on public transit, and its S$192.6 annual fee is waived the 1st year.

DBS Live Fresh: Cashback for Online & Contactless Spend

  • Up to 5% rebates on online & contactless spend
  • Promotions: Earn S$100 cashback w/ S$600 spend in 1st mo
  • Earn an extra +5% cashback on transport spend for 3mo with a min. spend of S$600/mo
  • Read Our Full Review
  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo functionality
DBS Live Fresh Card is one of the best options for tech-friendly young adults looking for all-in-one convenience plus rewards for contactless spend. Cardholders earn 5% cashback on online spending, as well as on purchases made with Visa payWave (Apple Pay, Samsung Pay, Google Pay & more). This is a great combination because it allows consumers who are comfortable with mobile wallets to earn on just about all of their spend.


DBS Live Fresh Card also has SimplyGo functionality, which adds an extra level of convenience. Rates are contingent on $600 minimum spend and earnings are capped at S$60/month however, which can be limiting both for lower and higher spenders. However, average spenders seeking easy cashback may be especially interested in DBS Live Fresh Card.

  • Stand-Out: Up to 5% rebates on online & contactless spend
  • Promotions: Earn S$100 cashback w/ S$600 spend in 1st mo
  • Earn an extra +5% cashback on transport spend for 3mo with a min. spend of S$600/mo
  • Read Our Full Review
  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo
DBS Live Fresh Card is one of the best options for tech-friendly young adults looking for all-in-one convenience plus rewards for contactless spend. Cardholders earn 5% cashback on online spending, as well as on purchases made with Visa payWave (Apple Pay, Samsung Pay, Google Pay & more). This is a great combination because it allows consumers who are comfortable with mobile wallets to earn on just about all of their spend.


DBS Live Fresh Card also has SimplyGo functionality, which adds an extra level of convenience. Rates are contingent on $600 minimum spend and earnings are capped at S$60/month however, which can be limiting both for lower and higher spenders. However, average spenders seeking easy cashback may be especially interested in DBS Live Fresh Card.

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

  • Up to 4 miles/S$1 spend on online shopping
  • Promotions: Receive S$120 rebate w/ online application & S$800 spend in 1st 60 days
  • 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
If you’re a miles-seeking online shopper that often makes large purchases to be paid back over time, DBS Woman’s World Card is an excellent option to enjoy special discounts and avoid interest fees. Cardholders earn 4 miles per S$1 spend on online shopping, capped at 8,000 miles/month. For transactions above S$100, cardholders can split payments into 0% instalments across up to 12 months, with no processing fee. All other spend earns lower rates–0.4 miles per S$1 local spend, 1.2 miles overseas–so this card is best suited for online shoppers. However, DBS Woman’s World stands out from some alternatives as its S$192.6 fee is waived with S$25,000 annual spend.
  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Promotions: Receive S$120 rebate w/ online application & S$800 spend in 1st 60 days
  • 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
If you’re a miles-seeking online shopper that often makes large purchases to be paid back over time, DBS Woman’s World Card is an excellent option to enjoy special discounts and avoid interest fees. Cardholders earn 4 miles per S$1 spend on online shopping, capped at 8,000 miles/month. For transactions above S$100, cardholders can split payments into 0% instalments across up to 12 months, with no processing fee. All other spend earns lower rates–0.4 miles per S$1 local spend, 1.2 miles overseas–so this card is best suited for online shoppers. However, DBS Woman’s World stands out from some alternatives as its S$192.6 fee is waived with S$25,000 annual spend.

Best HSBC Credit Card Promotions

Learn more about the best credit cards from HSBC as well as their current promotions.

HSBC Advance Card: Flat Rebates for Advance Customers

  • Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
HSBC Advance Card is one of the best cards for affluent consumers who have, or are willing to apply for, HSBC Advance banking accounts. Advance customers earn 3.5% cashback on all spend, up to S$125/month after S$2,000 spend (lower spend earns 2.5%). This means consumers with a S$3,500/month budget can earn up to S$1,500/year–one of the highest potential earnings on the market. Advance customers also are exempt from an annual fee.


Non-Advance banking customers only earn 2.5% cashback after S$2,000 minimum spend (1.5% if below), capped at just S$70/month. There’s also a S$192.6 fee, though it can be waived with S$12,500 annual spend. Altogether, HSBC Advance Card is highly competitive for those open to having an HSBC Advance account.

  • Stand-Out: Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
HSBC Advance Card is one of the best cards for affluent consumers who have, or are willing to apply for, HSBC Advance banking accounts. Advance customers earn 3.5% cashback on all spend, up to S$125/month after S$2,000 spend (lower spend earns 2.5%). This means consumers with a S$3,500/month budget can earn up to S$1,500/year–one of the highest potential earnings on the market. Advance customers also are exempt from an annual fee.


Non-Advance banking customers only earn 2.5% cashback after S$2,000 minimum spend (1.5% if below), capped at just S$70/month. There’s also a S$192.6 fee, though it can be waived with S$12,500 annual spend. Altogether, HSBC Advance Card is highly competitive for those open to having an HSBC Advance account.

HSBC Revolution: Miles for Online & Social Spend

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
If your a social spender that likes to shop online, HSBC Revolution Card is one of the best ways to earn miles and avoid a fee. Cardholders earn 2 miles per $1 spend on local dining & entertainment as well as for online spend–this includes online travel bookings, transit and bill pay, which are usually excluded. What’s more, there are no minimum spend requirements or earnings caps. HSBC Revolution Card is also great for average spenders because the S$160.5 fee is waived with just S$12,500 annual spend, or about S$1,042/month. If you’re interested in avoiding a fee and earning miles for local social spend, HSBC Revolution is an excellent option for you.
  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
If your a social spender that likes to shop online, HSBC Revolution Card is one of the best ways to earn miles and avoid a fee. Cardholders earn 2 miles per $1 spend on local dining & entertainment as well as for online spend–this includes online travel bookings, transit and bill pay, which are usually excluded. What’s more, there are no minimum spend requirements or earnings caps. HSBC Revolution Card is also great for average spenders because the S$160.5 fee is waived with just S$12,500 annual spend, or about S$1,042/month. If you’re interested in avoiding a fee and earning miles for local social spend, HSBC Revolution is an excellent option for you.

HSBC Visa Platinum: Earn Cashback & Miles

  • Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
HSBC Visa Platinum Card is one of the only cards on the market that offers both cashback and miles, making it great for consumers seeking versatile rewards. Cardholders earn 5% rebate on local dining, groceries and petrol, which are key spend categories for the average consumer. This rate is unlocked after a fairly reasonable S$600 minimum spend. In addition, consumers earn 0.4 miles per S$1 general spend with no minimum requirement. Earnings are capped at a rather high S$250/quarter (S$83/month), and the S$180 fee can be waived with just S$12,500 annual spend. Overall, HSBC Visa Platinum Card is the best way to earn versatile rewards while avoiding a fee.
  • Stand-Out: Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
HSBC Visa Platinum Card is one of the only cards on the market that offers both cashback and miles, making it great for consumers seeking versatile rewards. Cardholders earn 5% rebate on local dining, groceries and petrol, which are key spend categories for the average consumer. This rate is unlocked after a fairly reasonable S$600 minimum spend. In addition, consumers earn 0.4 miles per S$1 general spend with no minimum requirement. Earnings are capped at a rather high S$250/quarter (S$83/month), and the S$180 fee can be waived with just S$12,500 annual spend. Overall, HSBC Visa Platinum Card is the best way to earn versatile rewards while avoiding a fee.

Best UOB Credit Card Promotions

Learn more about the best credit cards from UOB as well as their current promotions.

UOB One Credit Card: Highest Flat Rebate

  • Up to 5% rebate on all spend, S$300/quarter
  • 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$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
UOB One Card is the absolute best way for consumers with a consistent S$2,000/month budget to maximise cashback on all of their spend. At this rate, cardholders earn 5% flat rebate up to S$300/quarter (or S$1,200/year). Lower and inconsistent spenders earn at 3.33%, up to S$50 or S$100/quarter (depending on minimum spend level).


What makes this card great is that nearly every purchase counts towards earning rebates, including recurring bills for telco, insurance, and even Town Council. These are almost always excluded from earning rewards by other cards. Finally, UOB One Cardholders also have access to UOB SMART$ Rebate Programme, which ‘double counts’ spend–first towards the minimum requirement, and then towards earning additional rebates with select merchants. Overall, UOB One Card is the best option available to easily maximise earnings if you consistently spend S$2,000/month.

  • Stand-Out: Up to 5% flat rebate on all spend, S$300/quarter
  • 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$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
UOB One Card is the absolute best way for consumers with a consistent S$2,000/month budget to maximise cashback on all of their spend. At this rate, cardholders earn 5% flat rebate up to S$300/quarter (or S$1,200/year). Lower and inconsistent spenders earn at 3.33%, up to S$50 or S$100/quarter (depending on minimum spend level).


What makes this card great is that nearly every purchase counts towards earning rebates, including recurring bills for telco, insurance, and even Town Council. These are almost always excluded from earning rewards by other cards. Finally, UOB One Cardholders also have access to UOB SMART$ Rebate Programme, which ‘double counts’ spend–first towards the minimum requirement, and then towards earning additional rebates with select merchants. Overall, UOB One Card is the best option available to easily maximise earnings if you consistently spend S$2,000/month.

UOB PRVI Miles American Express Card: Bonus Miles & Fee-Waiver

  • Up to 20,000 bonus renewal miles & fee waiver
  • Promotions: Earn 10k welcome miles w/ S$6k spend in 1st 3mo
  • Earn 4.4mi/S$1 on overseas dining, shopping (including online) & accommodation (on up to S$3k spend total)
  • Earn 4.4mi/S$1 on contactless spend on groceries (on up to S$1k spend) and local bus & train rides (on up to S$80 spend)
  • Read Our Full Review
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
The best travel card for above-average spenders is definitely UOB PRVI Miles American Express Card, both for its high rewards rates and potential for a fee-waiver. Cardholders earn miles at some of the top rates on the market–1.4 miles per S$1 local spend, 2.4 miles overseas, and 10 miles with major hotels and airlines. These rates are equal to those of most pricey travel cards, but UOB PRVI Miles Card actually has a lower fee at S$256.8, compared to S$400+.


Also, cardholders who spend S$50,000/year are not only exempt from this fee, but also receive 20,000 bonus miles. Beyond all of these benefits, consumers also receive free travel insurance and airport transfers. Ultimately, UOB PRVI Miles Card offers above-average spenders the fastest way to accrue miles and even the chance to avoid paying a fee.

  • Stand-Out: Up to 20,000 bonus renewal miles & fee waiver
  • Promotions: Earn 10k welcome miles w/ S$6k spend in 1st 3mo
  • Earn 4.4mi/S$1 on overseas dining, shopping (including online) & accommodation (on up to S$3k spend total)
  • Earn 4.4mi/S$1 on contactless spend on groceries (on up to S$1k spend) and local bus & train rides (on up to S$80 spend)
  • Read Our Full Review
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
The best travel card for above-average spenders is definitely UOB PRVI Miles American Express Card, both for its high rewards rates and potential for a fee-waiver. Cardholders earn miles at some of the top rates on the market–1.4 miles per S$1 local spend, 2.4 miles overseas, and 10 miles with major hotels and airlines. These rates are equal to those of most pricey travel cards, but UOB PRVI Miles Card actually has a lower fee at S$256.8, compared to S$400+.


Also, cardholders who spend S$50,000/year are not only exempt from this fee, but also receive 20,000 bonus miles. Beyond all of these benefits, consumers also receive free travel insurance and airport transfers. Ultimately, UOB PRVI Miles Card offers above-average spenders the fastest way to accrue miles and even the chance to avoid paying a fee.

UOB YOLO Card: Cashback on Weekend Entertainment

  • Up to 8% cashback on weekend dining, entertainment & Grab
  • Promotions: Receive up to S$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
UOB YOLO Card is the best card on the market for young adults seeking rewards for their social spend. After a S$600 minimum, cardholders earn up to 8% cashback on weekend dining, entertainment, Grab and online fashion & travel spend (3% on weekdays). In total, consumers can earn S$60/month (up to S$720/year).


What’s also special about UOB YOLO Card is its frequently changing promotions, specially tailored to young adults. Unlike other cards, UOB YOLO Card regularly hosts special parties and festivals for members. Other privileges include 1-to-1 dining and drinks specials, discounts at cinemas, nightclub privileges and retail savings. While there’s a S$192.6 fee, it’s waived the 1st year. Ultimately, UOB YOLO Card is one of the best cashback options combining both high rewards for social spend with rotating, entertainment-based promotions for young adults.

  • Stand-Out: Up to 8% cashback on weekend dining, entertainment & Grab
  • Promotions: Receive up to S$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
UOB YOLO Card is the best card on the market for young adults seeking rewards for their social spend. After a S$600 minimum, cardholders earn up to 8% cashback on weekend dining, entertainment, Grab and online fashion & travel spend (3% on weekdays). In total, consumers can earn S$60/month (up to S$720/year).


What’s also special about UOB YOLO Card is its frequently changing promotions, specially tailored to young adults. Unlike other cards, UOB YOLO Card regularly hosts special parties and festivals for members. Other privileges include 1-to-1 dining and drinks specials, discounts at cinemas, nightclub privileges and retail savings. While there’s a S$192.6 fee, it’s waived the 1st year. Ultimately, UOB YOLO Card is one of the best cashback options combining both high rewards for social spend with rotating, entertainment-based promotions for young adults.

UOB Delight Card: Rebates & Discounts on Groceries

UOB Delight Card
UOB Delight Card
  • Up to 17% cumulative discounts on groceries
  • Promotions: Now with SimplyGo compatibility
  • 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
Do you spend a large portion of your budget on groceries? UOB Delight Card is likely the best card for you. Cardholders can earn up to 17% cumulative discounts on groceries when they spend at Cold Storage, Market Place, Jasons, Giant and Guardian (8% merchant rebate) and purchase house brands (10% off original price). Consumers also earn 3% rebate on recurring bills and contactless transactions, making it easy to earn on daily essentials.


Consumers can also leverage the UOB SMART$ Programme to earn up to 10% additional discounts with over 400 merchants, which altogether makes UOB Delight Card great for those with broad spending habits, like people shopping for families. While there’s a $800 minimum required to access these grocery rates, consumers can earn at lower rates after just S$400 spend, allowing for some flexibility. Ultimately, UOB Delight Card is the best cashback card for groceries.

UOB Delight Card
UOB Delight Card
  • Stand-Out: Up to 17% cumulative discounts on groceries
  • Promotions: Now with SimplyGo compatibility
  • 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
Do you spend a large portion of your budget on groceries? UOB Delight Card is likely the best card for you. Cardholders can earn up to 17% cumulative discounts on groceries when they spend at Cold Storage, Market Place, Jasons, Giant and Guardian (8% merchant rebate) and purchase house brands (10% off original price). Consumers also earn 3% rebate on recurring bills and contactless transactions, making it easy to earn on daily essentials.


Consumers can also leverage the UOB SMART$ Programme to earn up to 10% additional discounts with over 400 merchants, which altogether makes UOB Delight Card great for those with broad spending habits, like people shopping for families. While there’s a $800 minimum required to access these grocery rates, consumers can earn at lower rates after just S$400 spend, allowing for some flexibility. Ultimately, UOB Delight Card is the best cashback card for groceries.

Best Standard Chartered Credit Card Promotions

Learn more about the best credit cards from SC as well as their current promotions.

Standard Chartered Unlimited Cashback Card: Uncapped Rebates + Transport Perks

  • 1.5% unlimited cashback w/ no min. spend requirement
  • 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
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
If you spend S$7,000+/month, you’re likely going to feel restricted by cashback cards with earnings caps–this is why Standard Chartered Unlimited Cashback Card may very well be the best option for you. Cardholders earn 1.5% flat cashback with no rewards caps, which offers high spenders unlimited earning potential.


Even better, SC Unlimited Cashback Card comes with a variety of transport benefits. Not only is it SimplyGo compatible, allowing for more convenient fare payments, it also offers up to 21% fuel savings at Caltex. Ultimately, if you’re looking to maximise earnings on your high spend and could benefit from transport perks along the way, SC Unlimited Cashback Card is the best bet for you.

  • Stand-Out: 1.5% unlimited cashback globally w/ no minimum spend requirement
  • 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
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
If you spend S$7,000+/month, you’re likely going to feel restricted by cashback cards with earnings caps–this is why Standard Chartered Unlimited Cashback Card may very well be the best option for you. Cardholders earn 1.5% flat cashback with no rewards caps, which offers high spenders unlimited earning potential.


Even better, SC Unlimited Cashback Card comes with a variety of transport benefits. Not only is it SimplyGo compatible, allowing for more convenient fare payments, it also offers up to 21% fuel savings at Caltex. Ultimately, if you’re looking to maximise earnings on your high spend and could benefit from transport perks along the way, SC Unlimited Cashback Card is the best bet for you.

Standard Chartered SingPost Spree: Cashback on Online Overseas

  • Cashback on overseas online shopping + shipping discounts
  • 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
  • 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 you have a low budget of about S$300 to S$500/month, it can be very difficult to meet the minimum spend requirements for most cashback cards, leaving you to earn a base rate of just 0.3% in most cases. With Standard Chartered SingPost Spree Card, however, you can completely avoid minimum spend requirements and earn a comparably high 3% cashback on foreign online and vPost transactions, 2% on local online and contactless transactions, and 1% on general spend.


SC SingPost Spree Card is most focused on rewarding online spend with overseas merchants, so it’s great if you frequently shop with sites like Amazon and spend in foreign currency. You can also access discounts on packaging and shipping. Overall, this card is a great fit for people seeking cashback on a small budget for online overseas spend.

  • Stand-Out: Cashback on overseas online shopping + shipping discounts
  • 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
  • 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 you have a low budget of about S$300 to S$500/month, it can be very difficult to meet the minimum spend requirements for most cashback cards, leaving you to earn a base rate of just 0.3% in most cases. With Standard Chartered SingPost Spree Card, however, you can completely avoid minimum spend requirements and earn a comparably high 3% cashback on foreign online and vPost transactions, 2% on local online and contactless transactions, and 1% on general spend.


SC SingPost Spree Card is most focused on rewarding online spend with overseas merchants, so it’s great if you frequently shop with sites like Amazon and spend in foreign currency. You can also access discounts on packaging and shipping. Overall, this card is a great fit for people seeking cashback on a small budget for online overseas spend.

Standard Chartered Rewards+ : Small Dining Budgets

  • Up to 2.9mi/S$1 overseas, 1.45mi on dining
  • 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
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining
  • 1 pt (0.29 mi) per S$1 general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
If you currently have a specialised credit card, such as a shopping card, chances are you might be earning just 0.3% on dining, which often isn’t rewarded at an elevated rate. With Standard Chartered Rewards+ Card, you can make more of your S$250 to S$350/month dining budget without worrying about minimum spend requirements.


Cardholders earn 2.9 miles per S$1 overseas spend (including overseas dining) and 1.45 miles on local dining–equal to about 2.9% and 1.45% rebate, respectively. Even though earnings are capped at 8,000 miles/year, you can still earn far more by using this card for your dining budget than if you charged your meals to a shopping card. Also, there’s a 1 year waiver for the S$192.6 fee, so you don’t need to worry about added costs right away.

  • Stand-Out: Up to 2.9mi/S$1 overseas, 1.45mi on dining
  • 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
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining
  • 1 pt (0.29 mi) per S$1 general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
If you currently have a specialised credit card, such as a shopping card, chances are you might be earning just 0.3% on dining, which often isn’t rewarded at an elevated rate. With Standard Chartered Rewards+ Card, you can make more of your S$250 to S$350/month dining budget without worrying about minimum spend requirements.


Cardholders earn 2.9 miles per S$1 overseas spend (including overseas dining) and 1.45 miles on local dining–equal to about 2.9% and 1.45% rebate, respectively. Even though earnings are capped at 8,000 miles/year, you can still earn far more by using this card for your dining budget than if you charged your meals to a shopping card. Also, there’s a 1 year waiver for the S$192.6 fee, so you don’t need to worry about added costs right away.

Standard Chartered Visa Infinite: Luxury Miles, Rewards for Tax Pay

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome miles
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
Affluent business travellers can enjoy top rates, luxury perks, and added rewards for banking activity with Standard Chartered Visa Infinite Card. Cardholders earn more miles than possible with almost any other travel card–1.4 miles per S$1 locally and an incredible 3 miles overseas. On top of that, consumers receive free travel insurance, a free yacht hire, 6 lounge visits/year, Hertz Asia and golfing privileges and more.


What makes SC Visa Infinite Card really stand out from alternatives is that cardholders can earn rewards for their banking activity. While many others exclude banking transactions from earning, SC Visa Infinite Card rewards income tax payments, mortgage loans, fixed deposits, investments, savings accounts and more.

Finally, it’s worth mentioning that SC Visa Infinite Card has a S$588.5 fee–one of the highest on the market. However, the value provided by its rewards structure, plus the 35,000 welcome miles offered to new cardmembers (worth S$350), substantially offset costs. Ultimately, SC Visa Infinite Card is by far one of the best travel cards for affluent consumers.

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Stand-Out: Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome miles
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
Affluent business travellers can enjoy top rates, luxury perks, and added rewards for banking activity with Standard Chartered Visa Infinite Card. Cardholders earn more miles than possible with almost any other travel card–1.4 miles per S$1 locally and an incredible 3 miles overseas. On top of that, consumers receive free travel insurance, a free yacht hire, 6 lounge visits/year, Hertz Asia and golfing privileges and more.


What makes SC Visa Infinite Card really stand out from alternatives is that cardholders can earn rewards for their banking activity. While many others exclude banking transactions from earning, SC Visa Infinite Card rewards income tax payments, mortgage loans, fixed deposits, investments, savings accounts and more.

Finally, it’s worth mentioning that SC Visa Infinite Card has a S$588.5 fee–one of the highest on the market. However, the value provided by its rewards structure, plus the 35,000 welcome miles offered to new cardmembers (worth S$350), substantially offset costs. Ultimately, SC Visa Infinite Card is by far one of the best travel cards for affluent consumers.

Best Citibank Credit Card Promotions

Learn more about the best credit cards from Citibank as well as their current promotions.

Citi SMRT Card: Best Cashback for Young Professionals

  • Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
Citi SMRT Card has high rebate rates and no minimum spend requirement, making it perfect for young professionals. Cardholders can earn up to 7% rebate on groceries, 5% on coffee, movies & fast food dining, 3% for online spend and 2% for health & wellness purchases. While merchants are limited, those eligible are quite popular–McDonald’s Starbucks, Cathay Cineplexes and more. Overall, consumers can earn up to S$50/month. Even more, the card is EZ-Link compatible and Auto Top-Ups earn 2% rebate.


Citi SMRT Card does have a S$192.6 fee, but it’s waived 2 years, giving young professionals time to get up off their feet before worrying about added costs. Overall, those on a modest budget are most likely to maximise cashback with Citi SMRT Card.

  • Stand-Out: Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
Citi SMRT Card has high rebate rates and no minimum spend requirement, making it perfect for young professionals. Cardholders can earn up to 7% rebate on groceries, 5% on coffee, movies & fast food dining, 3% for online spend and 2% for health & wellness purchases. While merchants are limited, those eligible are quite popular–McDonald’s Starbucks, Cathay Cineplexes and more. Overall, consumers can earn up to S$50/month. Even more, the card is EZ-Link compatible and Auto Top-Ups earn 2% rebate.


Citi SMRT Card does have a S$192.6 fee, but it’s waived 2 years, giving young professionals time to get up off their feet before worrying about added costs. Overall, those on a modest budget are most likely to maximise cashback with Citi SMRT Card.

Citi PremierMiles Visa: Affordable Miles + Lounge

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: Earn 1.5 miles per S$1 local spend w/ min. S$3k monthly spend
  • Option One: 26,500 miles w/ 1st annual fee payment & S$9k spend within 3 months
  • Option Two: 6,400 miles w/ 1st annual fee payment & S$3k spend within 3 months
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
If you’re an average spender looking for travel perks without high annual fees, Citi PremierMiles Visa Card is one of your best options. Cardholders earn a respectable rewards rate of 1.2 miles per S$1 local spend and 2 miles overseas, and receive free travel insurance and 2 free lounge visits per year.


Consumers also receive 21,000 bonus welcome miles (worth S$210) and 10,000 annual renewal miles (worth S$100). These benefits exceed those offered by most no-fee cards and align with some of the pricier cards on the market. Even still, the annual fee is just S$192.6, and it’s waived 1 year. This makes Citi PMV Card very accessible and great for average spenders.

  • Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: Earn 1.5 miles per S$1 local spend w/ min. S$3k monthly spend
  • Option One: 26,500 miles w/ 1st annual fee payment & S$9k spend within 3 months
  • Option Two: 6,400 miles w/ 1st annual fee payment & S$3k spend within 3 months
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
If you’re an average spender looking for travel perks without high annual fees, Citi PremierMiles Visa Card is one of your best options. Cardholders earn a respectable rewards rate of 1.2 miles per S$1 local spend and 2 miles overseas, and receive free travel insurance and 2 free lounge visits per year.


Consumers also receive 21,000 bonus welcome miles (worth S$210) and 10,000 annual renewal miles (worth S$100). These benefits exceed those offered by most no-fee cards and align with some of the pricier cards on the market. Even still, the annual fee is just S$192.6, and it’s waived 1 year. This makes Citi PMV Card very accessible and great for average spenders.

Citi Cash Back Card: Top Rebates on Food & Petrol

  • Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is the best card on the market for average spenders because it rewards key categories–food and transport–with remarkably high rewards rates. Cardholders earn 8% cashback on dining, groceries, and petrol after S$888 minimum spend, with earning potential capped at S$75/month. This is quite a respectable earning potential, allowing consumers to earn up to S$900/year. While there’s a S$192.6 fee, it’s waived the 1st year and can easily be offset by these extra savings.
  • Stand-Out: Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is the best card on the market for average spenders because it rewards key categories–food and transport–with remarkably high rewards rates. Cardholders earn 8% cashback on dining, groceries, and petrol after S$888 minimum spend, with earning potential capped at S$75/month. This is quite a respectable earning potential, allowing consumers to earn up to S$900/year. While there’s a S$192.6 fee, it’s waived the 1st year and can easily be offset by these extra savings.

Citi Prestige MasterCard: Perks for Affluent Travellers

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
Affluent travellers who prioritise perks should definitely check out Citi Prestige MasterCard. Cardholders earn high rewards rates of 1.3 miles per S$1 local spend and 2 miles overseas. In addition, they receive more benefits than what’s offered by most other travel cards on the market, including unlimited lounge access, free limo transfers, bonus hotel nights, access to JetQuay, golfing & dining privileges and much, much more. Even though there’s a S$535 fee, its offset by 25,000 annual renewal miles (worth S$250) plus an annual bonus of up to 30% based on tenure of relationship with Citibank. Overall, Citi Prestige is the best match available for affluent consumers looking for luxury travel benefits.
  • Stand-Out: Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
Affluent travellers who prioritise perks should definitely check out Citi Prestige MasterCard. Cardholders earn high rewards rates of 1.3 miles per S$1 local spend and 2 miles overseas. In addition, they receive more benefits than what’s offered by most other travel cards on the market, including unlimited lounge access, free limo transfers, bonus hotel nights, access to JetQuay, golfing & dining privileges and much, much more. Even though there’s a S$535 fee, its offset by 25,000 annual renewal miles (worth S$250) plus an annual bonus of up to 30% based on tenure of relationship with Citibank. Overall, Citi Prestige is the best match available for affluent consumers looking for luxury travel benefits.

Citi Rewards: Miles for Online & Fashion Spend

  • Up to 4mi/S$1 spend on fashion retail & online
  • Promotions: Receive 30,000 bonus points (12,000 miles) w/ S$3k spend in 1st 3mo
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend
  • 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
Citi Rewards Card is one of the best miles-earning shopping cards on the market. Cardholders earn 10 points–equivalent to 4 miles–per S$1 spend online and on fashion retail. What makes Citi Rewards Card so great is its flexibility. Consumers earn miles for fashion spend online, offline, locally and overseas. In other words, you can earn just about anywhere you shop for clothing, bags, shoes, and other fashion items. Citi Rewards Card even rewards spend at department stores, which are sometimes excluded. In addition, nearly all online transactions earn rewards (travel bookings and mobile wallet pay are excluded, however). Other spend earns just 1 point (0.4 miles) per S$1, so this is best used as an online & shopping card, and while there’s a S$192.6 fee, it’s waived the first year. Ultimately, Citi Rewards Card is a great match for shoppers looking for flexible miles earning.
  • Stand-Out: Up to 4mi/S$1 spend on fashion retail & online
  • Promotions: Receive 30,000 bonus points (12,000 miles) w/ S$3k spend in 1st 3mo
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend
  • 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
Citi Rewards Card is one of the best miles-earning shopping cards on the market. Cardholders earn 10 points–equivalent to 4 miles–per S$1 spend online and on fashion retail. What makes Citi Rewards Card so great is its flexibility. Consumers earn miles for fashion spend online, offline, locally and overseas. In other words, you can earn just about anywhere you shop for clothing, bags, shoes, and other fashion items. Citi Rewards Card even rewards spend at department stores, which are sometimes excluded. In addition, nearly all online transactions earn rewards (travel bookings and mobile wallet pay are excluded, however). Other spend earns just 1 point (0.4 miles) per S$1, so this is best used as an online & shopping card, and while there’s a S$192.6 fee, it’s waived the first year. Ultimately, Citi Rewards Card is a great match for shoppers looking for flexible miles earning.

Best American Express Credit Card Promotions

Learn more about the best credit cards from Amex as well as their current promotions.

American Express True Cashback Card: Unltd Earnings + Amex Benefits

American Express True Cashback Card
American Express True Cashback Card
  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • Read Our Full Review
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
American Express True Cashback Card is the best cashback option for high-spending Amex loyalists because it offers unlimited 1.5% cashback with no minimum spend requirements–basically, offering affluent consumers uncapped earning potential.


Amex True Cashback Card additionally offers cardholders top-notch benefits such as its Global Assist program and Amex Selects Privileges. While other cards offer concierge services and dining & lifestyle deals, people who know and appreciate Amex-specific benefits are likely to prefer Amex True Cashback Card to competitors. Finally, new cardholders can earn a boosted 3% cashback on spend after a S$5,000 minimum, up to S$150, making this card a bit more attractive to those searching for a card with unlimited rewards.

American Express True Cashback Card
American Express True Cashback Card
  • Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • Read Our Full Review
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
American Express True Cashback Card is the best cashback option for high-spending Amex loyalists because it offers unlimited 1.5% cashback with no minimum spend requirements–basically, offering affluent consumers uncapped earning potential.


Amex True Cashback Card additionally offers cardholders top-notch benefits such as its Global Assist program and Amex Selects Privileges. While other cards offer concierge services and dining & lifestyle deals, people who know and appreciate Amex-specific benefits are likely to prefer Amex True Cashback Card to competitors. Finally, new cardholders can earn a boosted 3% cashback on spend after a S$5,000 minimum, up to S$150, making this card a bit more attractive to those searching for a card with unlimited rewards.

American Express Singapore Airlines Krisflyer Card: Accessible Bonus Miles

American Express Singapore Airlines KrisFlyer Credit Card
American Express Singapore Airlines KrisFlyer Credit Card
  • Up to 13k+ bonus miles w/ S$5k spend in 3mo
  • Promotions: Spend S$5k in 1st 3mo, receive 7,500 bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on select merchants (Grab, McDonald's, Starbucks & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
American Express Singapore Airlines KrisFlyer Card is one of the best travel card for promotions in bonuses–in fact, new cardmembers earn 5,000 bonus miles with their first spend. With S$5,000 spend in 3 months, consumers earn another 7,500 miles, and after S$12,000 spend receive a S$150 cash credit to Singapore Airlines. Consumers even receive 500 bonus miles with their 1st Grab ride.


In the meantime, cardholders also earn miles for their spend. General spend earns 1.1 miles per S$1 (2 miles overseas in June & December), and spend with SingaporeAir, SilkAir and KrisShop earns 2 miles. Spend with select merchants (like Deliveroo, McDonald's & more) and on Grab rides earn 3.1 miles per S$1, up to 620 miles/month. While pricier travel cards may also offer bonus miles, Amex SIA KF Card is the most affordable option for the value it provides, with just a S$176.55 fee that’s waived 1 year.

American Express Singapore Airlines KrisFlyer Credit Card
American Express Singapore Airlines KrisFlyer Credit Card
  • Stand-Out: Up to 13k+ bonus miles w/ S$5k spend in 3mo
  • Promotions: Spend S$5k in 1st 3mo, receive 7,500 bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on select merchants (Grab, McDonald's, Starbucks & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
American Express Singapore Airlines KrisFlyer Card is one of the best travel card for promotions in bonuses–in fact, new cardmembers earn 5,000 bonus miles with their first spend. With S$5,000 spend in 3 months, consumers earn another 7,500 miles, and after S$12,000 spend receive a S$150 cash credit to Singapore Airlines. Consumers even receive 500 bonus miles with their 1st Grab ride.


In the meantime, cardholders also earn miles for their spend. General spend earns 1.1 miles per S$1 (2 miles overseas in June & December), and spend with SingaporeAir, SilkAir and KrisShop earns 2 miles. Spend with select merchants (like Deliveroo, McDonald's & more) and on Grab rides earn 3.1 miles per S$1, up to 620 miles/month. While pricier travel cards may also offer bonus miles, Amex SIA KF Card is the most affordable option for the value it provides, with just a S$176.55 fee that’s waived 1 year.

American Express Singapore Airlines Krisflyer Ascend Card: Exclusive Travel Memberships

American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$10k w/in 1st 3mo, receive 15k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for 1st 2 supplementary cards
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on select merchants (Grab, McDonald's, Starbucks & more)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
American Express Singapore Airlines KrisFlyer Ascend Card offers an extraordinary balance between competitive rates and luxury perks, all at a lower cost than offered by most high-end travel cards. Consumers earn 1.2 miles/S$1 on general spend, 2 miles on SIA brands and overseas in June & December, and 3.2 miles with select merchants like Grab, Deliveroo and McDonald's. Due to the popularity of these vendors, it's possible to earn a great deal on everyday purchases, unlike with many overseas and travel-focused cards.


Another perk is that while Amex SIA KF Ascend's annual fee is a moderate S$337.05, it provides benefits that are typically associated with the most expensive miles cards. Consumers enjoy 4 free lounge visits/year, 1 free hotel night annually, free travel insurance, and potential upgrades to Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus Rewards membership statuses. Overall, Amex SIA KF Ascend Card is a great match for people who want to earn relatively high miles on everyday merchants, but who also prioritise travel perks and specialty memberships.

American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$10k w/in 1st 3mo, receive 15k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for 1st 2 supplementary cards
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on select merchants (Grab, McDonald's, Starbucks & more)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
American Express Singapore Airlines KrisFlyer Ascend Card offers an extraordinary balance between competitive rates and luxury perks, all at a lower cost than offered by most high-end travel cards. Consumers earn 1.2 miles/S$1 on general spend, 2 miles on SIA brands and overseas in June & December, and 3.2 miles with select merchants like Grab, Deliveroo and McDonald's. Due to the popularity of these vendors, it's possible to earn a great deal on everyday purchases, unlike with many overseas and travel-focused cards.


Another perk is that while Amex SIA KF Ascend's annual fee is a moderate S$337.05, it provides benefits that are typically associated with the most expensive miles cards. Consumers enjoy 4 free lounge visits/year, 1 free hotel night annually, free travel insurance, and potential upgrades to Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus Rewards membership statuses. Overall, Amex SIA KF Ascend Card is a great match for people who want to earn relatively high miles on everyday merchants, but who also prioritise travel perks and specialty memberships.

Best CIMB Credit Card Promotions

Learn more about the best credit cards from CIMB as well as their current promotions.

CIMB Platinum MasterCard: Cashback for Medical, Transport & Dining

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Up to 10% cashback on medical, transport, dining & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard is by far one of the best credit cards on the market for cashback on medical and transport expenses, offering a 10% rebate on these categories as well as for global dining, travel spend in foreign currency, and transactions with select electronics and furnishings vendors. Few credit cards reward health expenses at all, and this elevated rewards rate for transport truly leads the market. While there's an S$800 minimum monthly spend requirement, cardholders can earn S$100/month with as little as S$1,000 spend. And, above all, there's no annual fee, making CIMB Platinum MC both low-risk and low-maintenance.
CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Stand-Out: Up to 10% cashback on medical, transport, dining & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard is by far one of the best credit cards on the market for cashback on medical and transport expenses, offering a 10% rebate on these categories as well as for global dining, travel spend in foreign currency, and transactions with select electronics and furnishings vendors. Few credit cards reward health expenses at all, and this elevated rewards rate for transport truly leads the market. While there's an S$800 minimum monthly spend requirement, cardholders can earn S$100/month with as little as S$1,000 spend. And, above all, there's no annual fee, making CIMB Platinum MC both low-risk and low-maintenance.

CIMB Visa Infinite Card: Uncapped Rebates for Travellers

CIMB Visa Infinite Card
CIMB Visa Infinite Card
  • Unlimited travel & overseas cashback plus luxury perks
  • Promotions: Earn S$150 cash credit w/ S$1,200 min spend in 1st 3 mo + application for supplementary card
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses & overseas spend
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan
If you’re an affluent traveller and prefer earning cashback to miles, there’s no better option than the no-fee CIMB Visa Infinite Card. Cardholders earn unlimited 2% cashback on all of their travel expenses (hotels, airlines, travel agencies & more), foreign currency transactions, and overseas spend (both in SGD and foreign currencies). While there’s a S$2,000 minimum requirement to unlock this rate, all other spend earns 1% cashback with no minimum requirement.


Cardholders also enjoy benefits like free travel insurance, lounge access, and discounted limo transfers–perks usually associated with miles cards. Ultimately, high spenders seeking unlimited cashback for travelling should look no further than CIMB Visa Infinite–not only are its rates higher than competitors (offering 1.5% cashback), there also is no annual fee.

CIMB Visa Infinite Card
CIMB Visa Infinite Card
  • Stand-Out: Unlimited travel & overseas cashback plus luxury perks
  • Promotions: Earn S$150 cash credit w/ S$1,200 min spend in 1st 3 mo + application for supplementary card
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses & overseas spend
  • Unlimited 1% cashback on all other spend
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan
If you’re an affluent traveller and prefer earning cashback to miles, there’s no better option than the no-fee CIMB Visa Infinite Card. Cardholders earn unlimited 2% cashback on all of their travel expenses (hotels, airlines, travel agencies & more), foreign currency transactions, and overseas spend (both in SGD and foreign currencies). While there’s a S$2,000 minimum requirement to unlock this rate, all other spend earns 1% cashback with no minimum requirement.


Cardholders also enjoy benefits like free travel insurance, lounge access, and discounted limo transfers–perks usually associated with miles cards. Ultimately, high spenders seeking unlimited cashback for travelling should look no further than CIMB Visa Infinite–not only are its rates higher than competitors (offering 1.5% cashback), there also is no annual fee.

CIMB World MasterCard: Cashback for Affluent Golfers

CIMB World Mastercard
CIMB World Mastercard
  • Complimentary green fees at 40 fairways in SE Asia
  • Promotions: Earn S$150 cash credit w/ S$1,200 min spend in 1st 3 mo + application for supplementary card
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • Complimentary green fees at 40 fairways in SE Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
Affluent golfers can enjoy world-class privileges and rewards rates with unlimited earning potential with CIMB World MasterCard. Cardholders receive complimentary green fees across 40 fairways across 7 countries in SE Asia, and can play up to 4 flights per course per year–potentially 160 games. In addition, a wide variety of leisure-based spend earns unlimited 2% cashback: wine & dine, entertainment, recreation, automobile & parking, petrol and spend at duty-free stores. Other spend earns 1.5% unlimited cashback, which aligns with the flat rates offered by competitors. Ultimately, CIMB World MasterCard is one of the market’s best golfing cards, offering great privileges, unlimited rewards, and never charging an annual fee.
CIMB World Mastercard
CIMB World Mastercard
  • Stand-Out: Complimentary green fees at 40 fairways in SE Asia
  • Promotions: Earn S$150 cash credit w/ S$1,200 min spend in 1st 3 mo + application for supplementary card
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • Complimentary green fees at 40 fairways in SE Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
Affluent golfers can enjoy world-class privileges and rewards rates with unlimited earning potential with CIMB World MasterCard. Cardholders receive complimentary green fees across 40 fairways across 7 countries in SE Asia, and can play up to 4 flights per course per year–potentially 160 games. In addition, a wide variety of leisure-based spend earns unlimited 2% cashback: wine & dine, entertainment, recreation, automobile & parking, petrol and spend at duty-free stores. Other spend earns 1.5% unlimited cashback, which aligns with the flat rates offered by competitors. Ultimately, CIMB World MasterCard is one of the market’s best golfing cards, offering great privileges, unlimited rewards, and never charging an annual fee.

CIMB Visa Signature: Rebates for Online & Beauty Spend

CIMB Visa Signature
CIMB Visa Signature
  • Up to 10% rebates on beauty, online shopping & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • 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
CIMB Visa Signature Card is great if you want rewards for both groceries and your elective spend. In fact, online shopping, beauty expenses, petcare, transactions with cruise lines and spend at supermarkets earns 10% cashback, up to S$20 per category. This adds up to a potential S$100 rebate per month–a relatively high earning potential compared to market standards.


While these categories may seem quite specific, CIMB Visa Signature Card is a great fit for anyone who spends about S$200 in at least one of these areas. At this spend level, which maxes out category earnings, cardholders enjoy higher rates than available with almost any other card on the market. In fact, most cards don't reward pet expenses at all. CIMB Visa Signature Card has no annual fee, so it's both low-risk and low-maintenance; it's a great option if you tend to spend on beauty, have pets, or enjoy cruises.

CIMB Visa Signature
CIMB Visa Signature
  • Stand-Out: Up to 10% rebates on beauty, online shopping & more*
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • 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
CIMB Visa Signature Card is great if you want rewards for both groceries and your elective spend. In fact, online shopping, beauty expenses, petcare, transactions with cruise lines and spend at supermarkets earns 10% cashback, up to S$20 per category. This adds up to a potential S$100 rebate per month–a relatively high earning potential compared to market standards.


While these categories may seem quite specific, CIMB Visa Signature Card is a great fit for anyone who spends about S$200 in at least one of these areas. At this spend level, which maxes out category earnings, cardholders enjoy higher rates than available with almost any other card on the market. In fact, most cards don't reward pet expenses at all. CIMB Visa Signature Card has no annual fee, so it's both low-risk and low-maintenance; it's a great option if you tend to spend on beauty, have pets, or enjoy cruises.

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

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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