Best Credit Card Promotions 2019

With so many cash rebate bonuses, gifts and mile awards being advertised by banks, it can be difficult to discern which credit card offers the best promotions and welcome bonuses. Here, we have compiled a list of the best credit card promotions in Singapore to make your search easier.

Best Credit Card Promotions & Bonuses
BankCurrent Cashback PromosCurrent Miles Promos
CitibankUp to S$120 cash rebate welcome giftReceive up to 25,000 welcome miles
HSBCS$100 cashback (or Samsonite luggage) & bonus 5% on contactless spend
Standard CharteredUp to S$100 cashback & S$150 in Prime Now creditsReceive up to 35,000 welcome miles
American ExpressS$60 voucher with 1st spendEarn 20,000 miles with S$6,000 spend
UOBEarn S$100 worth of Grab rides with S$1,000 spendEarn 20,000 miles with S$50,000 spend
CIMBUp to S$120 cash credit with S$400 spend
MaybankReceive S$50 cash credit after S$700 spend
OCBCEarn up to S$168 cashback with S$800 spendReceive 15,000 annual bonus miles
DBS & POSBUp to 10% rebate on online & contactless spend + S$50 cash creditEarn up to 3,100 miles with S$2,500 overseas spend
(Please note that promotions vary by credit card)

Best Credit Cards for Promotions and Bonuses at Citibank

Citibank offers some of the best welcome bonuses on the market to new cardmembers, often in the form of large cash credits for cashback cards or as bonus miles for travel cards.

Best Cashback Card for Food & Transport: Citi Cash Back Card

Consider this if you spend mostly on food and transportation

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift
  • 8% cash back on Grab (valid till 31 Mar 2019)

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, petrol and Grab after S$888 minimum spend, with earning potential capped at S$100/month. This is one of the highest potential earnings on the market, allowing consumers to earn up to S$1,200/year.

Citi Cash Back Card also stands out for its Citi Rebate Programme, which offers an additional 10% off at select merchants, like Sheng Siong and Starbucks. While there’s a S$192.6 fee, it’s waived the 1st year and can easily be offset by these extra savings.

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  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, petrol (any station) & Grab
  • Up to 20.88% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, petrol (any station) & Grab
  • Up to 20.88% fuel savings at Esso & Shell

Rebates + EZ-Link for Young Professionals: Citi SMRT Card

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

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

Citi SMRT Card has high rebate rates as well as one of the lowest minimum spend requirements on the market, 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. Consumers only need to spend S$300 to access these rates, and 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.

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
  • Up to 15% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, moves & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 15% fuel savings with Esso & Shell

Citi PremierMiles Visa Card: Best Miles Card for Average Spenders

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

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

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.

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

Citi Prestige MasterCard: Luxury Perks for Affluent Travellers

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

Affluent travellers who prioritise perks should definitely check out Citi Prestige MasterCard. Cardholders earn some of the highest rates on the market–1.3 miles per S$1 local spend and 2.4 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.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2.4 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
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2.4 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
  • Up to 14% fuel savings with Esso & Shell

Citi Rewards Card: Miles for Fashion Retail Spend

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

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

Citi Rewards Card is one of the best miles-earning shopping cards on the market. Cardholders earn 10 points–equivalent to 4 miles–per S$1 spend 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. Other spend earns just 1 point (0.4 miles) per S$1, so this is best used as a 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.

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

Best Credit Cards for Promotions and Bonuses at HSBC

HSBC not only offers great promotions–often spanning from free luggage to cash credits to boosted rebate rates–it also offers credit cards that frequently come with a fee-waiver. This is yet another reason to consider an HSBC card.

Best Air Miles Card for Social Spenders: HSBC Revolution Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • A Samsonite Astra 55cm luggage (worth S$350) or S$100 cash back for new customers (S$50 for existing customers)
  • Bonus 5% cashback on contactless payments, up to S$100

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.

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  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 16% fuel savings with Caltex, 14% with Shell
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 16% fuel savings with Caltex, 14% with Shell

Flat Rebate Card for Affluent HSBC Bank Customers: HSBC Advance Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • A Samsonite Astra 55cm luggage (worth S$350) or S$100 cash back for new customers (S$50 for existing customers)
  • Bonus 5% cashback on contactless payments, up to S$100
  • Up to 10% discount on hotel bookings with Expedia, Agoda

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.

Read Our Full Review

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

Best Card for Cashback + Miles: HSBC Visa Platinum Card

Consider this if you spend at least S$600/month and want to earn both cash rebates and miles

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • A Samsonite Astra 55cm luggage (worth S$350) or S$100 cash back for new customers (S$50 for existing customers)
  • Bonus 5% cashback on contactless payments, up to S$100
  • Up to 15% discount on hotel bookings with Expedia, Agoda

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.

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)
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining & groceries (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell

Best Credit Cards for Promotions and Bonuses at Standard Chartered

Standard Chartered credit cards come with great promotions for both new and existing cardmembers that are often affiliated with merchant partners (such as Amazon or Grab). SC also frequently offers cash credits, making its cards especially great for bonuses.

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

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

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

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 that aren’t provided by its competitors. Not only is it EZ-Link compatible with Auto Top-Ups eligible for rewards, it also offers up to 21% fuel savings at Caltex and 15% cashback on Grab (up to S$30/month). 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.

Read Our Full Review

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

Best Air Miles Card for Affluent Business Travellers: Standard Chartered Visa Infinite Card

Consider this if you travel frequently for business

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

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, Herz 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 virtually all 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.

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  • 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
  • Up to 25% fuel savings with Caltex, 15% rebate on Grab
  • 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
  • Up to 25% fuel savings with Caltex, 15% rebate on Grab

Cashback for Online Overseas Spend: Standard Chartered SingPost Spree Card

Consider this if you shop frequently from websites outside of Singapore

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

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.

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

Miles for Low Spend on Dining and Overseas: Standard Chartered Rewards+ Card

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

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

If you 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.

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

Best Credit Cards for Promotions and Bonuses at American Express

American Express Cardholders often enjoy a variety of promotions, from vouchers and bonus miles to free hotel nights. With their added Amex perks and privileges, these cards are definitely worth considering.

Unlimited Earnings with Amex Benefits: American Express True Cashback Card

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

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

American Express True Cashback Card is the best 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.

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
  • Up to 21% fuel savings with SPC
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 21% fuel savings with SPC

Best Air Miles Card for Promotions and Bonuses: American Express Singapore Airlines KrisFlyer Card

Consider this if you want to easily earn welcome bonus miles and fly mostly on Singapore Airlines' various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Up to 20,000 bonus KrisFlyer miles with S$6,000 spend within first 6 months
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • S$150 Cashback for use with Singapore Airlines when you spend S$12,000

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$6,000 spend in 6 months, consumers earn another 15,000 miles, and after S$12,000 spend receive a S$150 cash credit to Singapore Airlines. 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. 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.

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  • Annual fee: S$176.55, 1-year waiver
  • 1.1 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
  • 3.1 miles per S$1 spend on Grab
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 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
  • 3.1 miles per S$1 spend on Grab
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges

Best Credit Cards for Promotions and Bonuses at UOB

UOB offers some of the strongest cards on the market for all kinds of consumers–average spenders, frequent travellers, young adults and family shoppers.

Best Flat Rebate Card for Stable Spenders: UOB One Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month

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.

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

Best Air Miles Card for Above Average Spenders: UOB PRVI Miles American Express Card

Consider this if you want to maximise mile rewards without paying an extravagant annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month
  • Up to 10 miles per S$1 spend with Kaligo

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 pricy 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.

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
  • 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

Best Cashback for Young Adults’ Social Weekend Spend: UOB YOLO Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Cashback boosted to 8% for all weekend online spend
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month

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.

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

Best Rebate Card for Grocery Shopping: UOB Delight Card

UOB Delight Card
UOB Delight Card

Consider this if you want maximum savings on groceries

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month

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.

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  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20.8% fuel savings with Shell, 20% with SPC
  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20.8% fuel savings with Shell, 20% with SPC

Best Credit Cards for Promotions and Bonuses at CIMB

CIMB offers credit cards that are not only no-fee, they also offer consumers some of the best return values on the market.

Best No-Fee Cashback Card for Food & Online Spend: CIMB Visa Signature

Consider this if you want a specialised dining credit card without an annual fee

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A
Promotions:
  • Up to S$120 cash credit when you spend S$400 within first 2 months from card approval

CIMB Visa Signature Card is the best no-fee card for cashback on food and online shopping. Cardholders earn an unparalleled 10% cashback on dining, groceries, and online spend after just a S$600 minimum requirement. Even more, consumers can earn up to S$100/month, which is a higher earning potential than most other cards on the market. Other card benefits include free travel insurance and Visa Signature Concierge, plus extra savings through CIMB Deals & Discounts. Ultimately, CIMB Visa Signature lets you earn top rates on food and online spend, while never having to pay a fee.

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  • Annual fee: Free
  • 10% cashback on dining, grocery & online spend
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on dining, grocery & online spend
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan

Best No-Fee Cashback Card for Travel, Transport & Wellness: CIMB Platinum MasterCard

Consider this if you want a specialised rebate credit card for wellness, transport and travel

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A
Promotions:
  • Up to S$120 cash credit when you spend S$400 within first 2 months from card approval

CIMB Platinum MasterCard is the market’s best travel, transport, petrol and wellness card–spend in each of these categories earns a remarkably high 10% cashback after S$600 minimum spend. Not only are these rates higher than competitors, few cards reward medical and wellness spend at all. In addition, cardholders can earn up to S$100/month, which is quite high compared to competitors’ caps. Ultimately, CIMB Platinum MasterCard offers exemplary cashback rates and high earning potential for travel, transport, wellness and more–all without charging an annual fee.

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  • Annual fee: Free
  • 10% cashback on travel, wellness, transport & petrol
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on travel, wellness, transport & petrol
  • CIMB 0% Interest i.Pay Instalment Plan

Best No-Fee Cashback Card for Affluent Travellers: CIMB Visa Infinite Card

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

Annual Income Requirement Singaporean & Singapore PR: S$120,000 . Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Up to S$120 cash credit when you spend S$400 within first 2 months from card approval

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.

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

Best No-Fee Cashback Card for Affluent Golfers: CIMB World MasterCard

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

Annual Income Requirement Singaporean & Singapore PR: S$50,000. Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Up to S$120 cash credit when you spend S$400 within first 2 months from card approval

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.

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

Best Credit Cards for Promotions and Bonuses at Maybank

Maybank credit cards are great, especially for local or lower spenders. Promotions often feature free items like luggage or watches, as well as cash credits.

Best Air Miles Card for Local Spenders: Maybank Horizon Visa Signature Card

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

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

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.

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  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance

Local Cashback for Lower Spenders: Maybank Platinum Visa Card

Consider this if you spend S$300 to S$500 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$50 cash credit after S$700 spend

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.

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  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with 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
  • Local spend below S$300 minimum does not earn rebate
  • No minimum spend requirement for overseas rebate
  • Free travel insurance
  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with 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
  • Local spend below S$300 minimum does not earn rebate
  • No minimum spend requirement for overseas rebate
  • Free travel insurance

Rebates Card for Spend in Singapore and Malaysia: Maybank Family & Friends Card

Consider this if you spend a lot of time in both Singapore and Malaysia

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$50 cash credit after S$700 spend

The absolute best card for people who spend time in both Malaysia and Singapore is Maybank Family & Friends Card, especially those who don’t mind shopping with select merchants. Spending S$500/month earns 5% rebate on groceries, transport, fast food, wellness and leisure with popular vendors like Cold Storage, McDonald’s, NTUC Healthcare and more; S$1,000/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$1,500/month.

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  • Annual fee: S$80.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 22% with select petrol merchants (inc. 8% rebate)
  • Annual fee: S$80.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 22% with select petrol merchants (inc. 8% rebate)

Highest Unlimited Cashback for Affluent Consumers: Maybank FC Barcelona Visa Signature Card

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

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

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.

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

Best Air Miles Card for Golfing Privileges: Maybank World MasterCard

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

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

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.

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

Best Credit Cards for Promotions and Bonuses at OCBC

OCBC offers a variety of great credit cards for travellers, family-spenders, young adults and frequent shoppers. Almost anyone can find a card with OCBC that can boost their rewards-earning potential.

Flexible Redemption & Boosted Miles Rate for Local Dining: OCBC Voyage Card

Consider this if you want flexible miles redemption and dine out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Up to 7% off worldwide hotel bookings with Agoda

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 2.3 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.

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  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Everyday Rebates with Easy Fee-Waiver: OCBC 365 Card

Consider this if you are looking for a credit card for general day-to-day use

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

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.

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  • 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
  • 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

Best Cashback for Young Adults with Easy Fee-Waiver: OCBC Frank Card

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

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

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.

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

Best Rewards Card for Retail Shoppers: OCBC Titanium Rewards Card

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

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

If you’re a frequent retail shopper, OCBC Titanium Rewards Card is the absolute best way to maximise on 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 stands out by also offering 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.

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

Rebate Card with 0% Interest Instalment Plan: OCBC Cashflo Card

Consider this if you want to earn rebates on your 0% instalment payments

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

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.

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  • 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
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • 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
  • Up to 16% fuel savings with Caltex, 14% with Esso

Best Credit Cards for Promotions and Bonuses at DBS & POSB

DBS & POSB credit cards often come with unique promotions, including sweepstakes and chances to win vacations. However, DBS also is known to offer cash credits, bonus miles, and boosted rewards rates.

Best Air Miles Card with Easy Fee-Waiver: DBS Altitude Visa Card

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card

Consider this if you a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn up to 3,100 miles after a spend of S$2,500 overseas and S$650 on Expedia travel bookings and earn 1 additional mile for every S$1 spend with an administrative fee of 2.2%
  • Up to 10 miles per S$1 spend on flight & hotel transactions with Expedia, Kaligo and 50% more miles on transactions with Mileslife

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$12,500 annual spend. Overall, DBS ALtitude Card provides access to respectable rates and great perks without paying an annual fee.

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)
  • Up to 15% fuel savings with SPC, 14% with Esso
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 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)
  • Up to 15% fuel savings with SPC, 14% with Esso

Top Rebate Rates for Daily Essentials: POSB Everyday Card

POSB Everyday Card
POSB Everyday Card

Consider this if you are a busy homemaker who want to maximise savings on groceries, cosmetics, pharmaceutical, medical and petrol bills

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • S$50 welcome cashback for new customers

POSB Everyday Card is one of the best rebate cards for daily essentials because of its market-leading rates in key spend categories. Cardholders receive an incredible 15% cashback on online food delivery & catering, 5% on dining and on groceries, 10% on taxi rides, 3% on health & wellness, and 1% on recurring bills. Most of these categories are limited to specific merchants, and some have individual rebate caps. However, these caps tend to be quite high (such as S$50), allowing for significant earning potential in comparison to alternatives.

Cardholders must spend S$800 to access many of these rebate rates, so POSB Everyday Card is best-suited to those with higher spend volume, like parents buying essentials for families. Also, cardholders enjoy everyday convenience in their travels as this card has EZ-Link functionality. Ultimately, POSB Everyday Card is a great option for the average consumer buying everyday essentials, who don’t mind buying with specific merchants.

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
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality

Cashback Card for Online and Contactless Payments: DBS Live Fresh Card

DBS Live Fresh Visa Card
DBS Live Fresh Visa Card

Consider this if you shop online or use mobile wallet frequently

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Up to 10% cashback on online and Visa payWave purchases and a welcome gift of S$50 cashback
  • Exclusive Zouk nightlife privileges

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 EZ-Link 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.

Read Our Full Review

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

Rewards for Online Shopping + 0% Interest Instalment Plan: DBS Woman’s World MasterCard

DBS Woman's World Mastercard
DBS Woman's World Mastercard

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

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Up to 10% off hotel bookings with Expedia
  • Complimentary use of Quayside for 1 trip service (cardholder + 1 companion)

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.

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
  • Up to 15% fuel savings with SPC, 14% with Esso
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
  • Up to 15% fuel savings with SPC, 14% with Esso

Summary of Best Credit Cards for Promotions and Bonuses 2019

Below, we've prepared a summary of our picks for the best credit cards for promotions and bonuses for 2019.

CardBest for...Annual Fee
Citi Cash BackFood & TransportS$192.6
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
Citi PrestigeLuxury Travel PerksS$535.0
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
SC UnlimitedUnlimited + EZ-LinkS$192.6
SC Visa InfiniteAffluent Business TravellersS$588.5
Amex SIA KFBest Welcome MilesS$176.55
UOB OneBest Flat RebateS$192.6
UOB PRVI MilesRapid MilesS$256.8 (waiver)
UOB YOLOWeekend Social SpendS$192.6
CIMB Visa SignatureNo-Fee Food & OnlineS$0.0
CIMB Platinum MasterCardTravel, Transport & WellnessS$0.0
Maybank HorizonMiles for Local SpendS$180.0 (waiver)
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
CardBest for...Annual Fee
Citi Cash BackFood & TransportS$192.6
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
Citi PrestigeLuxury Travel PerksS$535.0
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
SC UnlimitedUnlimited + EZ-LinkS$192.6
SC Visa InfiniteAffluent Business TravellersS$588.5
Amex SIA KFBest Welcome MilesS$176.55
UOB OneBest Flat RebateS$192.6
UOB PRVI MilesRapid MilesS$256.8 (waiver)
UOB YOLOWeekend Social SpendS$192.6
CIMB Visa SignatureNo-Fee Food & OnlineS$0.0
CIMB Platinum MasterCardTravel, Transport & WellnessS$0.0
Maybank HorizonMiles for Local SpendS$180.0 (waiver)
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)

Compare Credit Cards by Dollar Value

To help you compare each cards more effectively, we have prepared a visual guide below that displays how much you can earn and save by using each card for 2 years in terms of dollar value. These include cash rebates, air miles and promotions like sign up bonuses or spending bonuses. We also subtract any fee you have to incur like annual fees. These are only estimates based on an average person's spending habits, and you should read our reviews above to see if a card matches your spending habit.

A graph displaying how best credit cards with promotions compare to one another in terms of their rewards
Best Credit Cards with Promotions in Singapore

Methodology

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

**To calculate the value of promotions, we simply add the cash rebate value, value of miles and bonus gifts. Given that we typically assume S$2,000 of monthly spend on the card when calculating dollar value of credit cards, we exclude promotions that require S$3,000 or more of monthly spend to qualify. For physical gifts like luggages, we take a 50% discount given that not everyone will be in need of a new luggage.

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