Best Credit Card Promotions 2022

Credit card issuers are constantly updating their sign-up promotions. Our credit card experts have carefully reviewed the market to aggregate all promotions in 2022 for the top credit cards in Singapore. Our analysis covers bonuses as well as inherent card values, ensuring the option you select will reward spending far beyond the welcome offer.

Best Standard Chartered Credit Card Promotions
Best Citibank Credit Card Promotions
Best OCBC Credit Card Promotions
Best American Express Credit Card Promotions
Best Maybank Credit Card Promotions
Best Standard Chartered Credit Card Promotions
Best Citibank Credit Card Promotions
Best OCBC Credit Card Promotions
  • OCBC 365: 6% rebate on dining, 3% rebate on groceries, utilities and travel, Visa Concierge Services
  • OCBC Frank: Up to 6% rebate for FX, online and mobile purchases, low S$600 min. spend requirement
  • OCBC Titanium: 4 miles per S$1 on fashion & select retail
  • OCBC 90°N: Unlimited miles and cashback
  • OCBC Voyage: Flexible miles redemption, boosted rewards for overseas spend
  • OCBC Cashflo: Rewards for split payments, no processing fee
Best American Express Credit Card Promotions
Best Maybank Credit Card Promotions
Best HSBC Credit Card Promotions
Best CIMB Credit Card Promotions
  • CIMB Platinum MC: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
  • CIMB Visa Infinite: Unlimited 2% cashback on travel, overseas and online spend in foreign currencies
  • CIMB World MC: Unlimited 2% cashback on wine and dine, food delivery, entertainment, taxi & automobile, luxury goods and 50% off green fees
  • CIMB Visa Signature: 10% cashback on online shopping, groceries, beauty and wellness, pet shops and cruises

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 in Singapore to estimate how much value they return to the consumers after 2 years, accounting for rebates, welcome bonus promotions, and annual fees. We've organised the best credit card promotions in 2022 by the provider to help you assess which card will be the best fit for your needs.

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 Standard Chartered Credit Card Promotions

Learn more about the best credit cards from Standard Chartered as well as their credit card promotions in 2022.

Standard Chartered Unlimited Cashback Card: Uncapped Rebates + Transport Perks

  • 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 21%
If you spend S$7,000+/month, you’re likely going to feel restricted by cashback credit 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 w/ no min. spend requirement
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 21%
If you spend S$7,000+/month, you’re likely going to feel restricted by cashback credit 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: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for the first 2 years)
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 25% discounts with vPost
  • Online Price Guarantee
  • Up to 16% fuel savings with Caltex
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 credit 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: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for the first 2 years)
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 25% discounts with vPost
  • Online Price Guarantee
  • Up to 16% fuel savings with Caltex
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 credit 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: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (first 2 years - waived)
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance
  • Up to 16% 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: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (first 2 years - waived)
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance
  • Up to 16% 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.

Best Citibank Credit Card Promotions

Learn more about the best credit cards from Citibank as well as their credit card promotions in 2022.

Citi PremierMiles Visa: Affordable Miles + Lounge

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Samsonite Straren Spinner 67/24 (worth $600) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval
  • Promotion is valid from 1 - 8 August 2022
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10,000 bonus annual renewal miles (worth S$100)
  • 2 miles/S$1 spend abroad and 1.2 miles/S$1 on local spend
  • Miles earned never expire
  • Customers can redeem miles with points or for cash
  • 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 up to 45,000 bonus welcome miles (worth S$450) and 10,000 annual renewal miles (worth S$100). These benefits exceed those offered by most no-fee credit 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: Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Samsonite Straren Spinner 67/24 (worth $600) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval
  • Promotion is valid from 1 - 8 August 2022
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10,000 bonus annual renewal miles (worth S$100)
  • 2 miles/S$1 spend abroad and 1.2 miles/S$1 on local spend
  • Miles earned never expire
  • Customers can redeem miles with points or for cash
  • 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 up to 45,000 bonus welcome miles (worth S$450) and 10,000 annual renewal miles (worth S$100). These benefits exceed those offered by most no-fee credit 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% cashback on groceries & petrol, 6% on dining
  • Promotions: Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Samsonite Straren Spinner 67/24 (worth $600) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval
  • Promotion is valid from 1 - 8 August 2022
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on groceries
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Min. monthly spend of S$800 required to earn bonus cashback
  • Cashback capped at S$80/month
Citi Cash Back Card is the best credit 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$800 minimum spend, with earning potential capped at S$80/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% cashback on groceries & petrol, 6% on dining
  • Promotions: Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Samsonite Straren Spinner 67/24 (worth $600) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval
  • Promotion is valid from 1 - 8 August 2022
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on groceries
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Min. monthly spend of S$800 required to earn bonus cashback
  • Cashback capped at S$80/month
Citi Cash Back Card is the best credit 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$800 minimum spend, with earning potential capped at S$80/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 Cash Back+ Card: Highest Unlimited Cashback Rate

  • Top unlimited flat cashback rate of 1.6%
  • Promotions: Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Samsonite Straren Spinner 67/24 (worth $600) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval
  • Promotion is valid from 1 - 8 August 2022
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 1.6% cashback on all local and overseas spend
  • No minimum spend
  • No cap on cashback
  • Redeem cashback instantly via SMS or Citi Pay with Points
Citi Cash Back+ Card is ideal for high spenders looking to avoid caps on their earnings. Cardholders earn 1.6% rebate on all spend, with no limits, which is higher than the 1.5% offered by comparable cards. This allows consumers with budgets of about S$7k+ to earn more than they could with any alternatives, including capped cards with higher rates. The S$192.6 fee is waived the 1st year, allowing consumers to begin earning immediately with Citi Cash Back+ Card, ultimately maximising rewards to their full potential.
  • Stand-Out: Top unlimited flat cashback rate of 1.6%
  • Promotions: Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Samsonite Straren Spinner 67/24 (worth $600) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval
  • Promotion is valid from 1 - 8 August 2022
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 1.6% cashback on all local and overseas spend
  • No minimum spend
  • No cap on cashback
  • Redeem cashback instantly via SMS or Citi Pay with Points
Citi Cash Back+ Card is ideal for high spenders looking to avoid caps on their earnings. Cardholders earn 1.6% rebate on all spend, with no limits, which is higher than the 1.5% offered by comparable cards. This allows consumers with budgets of about S$7k+ to earn more than they could with any alternatives, including capped cards with higher rates. The S$192.6 fee is waived the 1st year, allowing consumers to begin earning immediately with Citi Cash Back+ Card, ultimately maximising rewards to their full potential.

Citi Prestige MasterCard: Perks for Affluent Travellers

  • Unlimited lounge access, free travel insurance & bonus hotel nights
  • Promotions: Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Samsonite Straren Spinner 67/24 (worth $600) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval
  • Promotion is valid from 1 - 8 August 2022
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • Citi Miles never expire. Exchange for frequent flyer miles, hotel stays, rewards and cash rebates.
  • 6 complimentary golf games at golf courses in Singapore, Malaysia, Indonesia and China
  • 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, bonus hotel nights, golfing & dining privileges and much, much more. Even though there’s a S$535 fee, it's 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: Unlimited lounge access, free travel insurance & bonus hotel nights
  • Promotions: Receive a Dyson Supersonic (worth $649), or Sony WH-1000XM5 (worth $569), or Samsonite Straren Spinner 67/24 (worth $600) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval
  • Promotion is valid from 1 - 8 August 2022
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • Citi Miles never expire. Exchange for frequent flyer miles, hotel stays, rewards and cash rebates.
  • 6 complimentary golf games at golf courses in Singapore, Malaysia, Indonesia and China
  • 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, bonus hotel nights, golfing & dining privileges and much, much more. Even though there’s a S$535 fee, it's 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

  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10X Rewards) per S$1 offline fashion shopping and department stores
  • 4 miles (10X Rewards) per S$1 online (inc. food delivery, online grocery & ride-hailing services)
  • 1X reward point for every S$1 on all other spending
  • No minimum spend required
  • Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles
  • 10X rewards are capped at 10,000 pts per month
  • 10X rewards excludes travel purchases online and non-fashion purchases offline
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 & all online spend
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10X Rewards) per S$1 offline fashion shopping and department stores
  • 4 miles (10X Rewards) per S$1 online (inc. food delivery, online grocery & ride-hailing services)
  • 1X reward point for every S$1 on all other spending
  • No minimum spend required
  • Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles
  • 10X rewards are capped at 10,000 pts per month
  • 10X rewards excludes travel purchases online and non-fashion purchases offline
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.

Citi Clear Card: Best Miles Card for Students

Citi Clear Card
Citi Clear Card
  • Miles for student spend + foodie perks
  • Promotions: Receive S$20 Cash Back^when you spend S$50 in the first month
  • Read Our Full Review
  • Annual fee: S$29.96 (first year - waived)
  • 1 point (0.4 miles) per S$1 spend
  • No min income required and S$500 credit limit
  • Exclusive dining deals at over 1,000 eateries in Singapore
  • Access to Gourmet Pleasures dining programme
Citi Clear Card is one of the only options on the market that allows students to earn points/miles instead of cashback. Cardholders earn 1 point (0.4 miles) per S$1 spend, which is roughly equal to a 0.4% rebate. This is a higher rate than offered by several competitor cards. In addition, cardholders have access to dining programmes like Citi Gourmet Pleasures, which offers discounts on everything from online food delivery to sit-down meals at high-end restaurants. There are no minimum spend requirements and the S$29.96 fee is waived 1 year. For students who prefer miles to cashback, Citi Clear Card is worth considering.
Citi Clear Card
Citi Clear Card
  • Stand-Out: Miles for student spend + foodie perks
  • Promotions: Receive S$20 Cash Back^when you spend S$50 in the first month
  • Read Our Full Review
  • Annual fee: S$29.96 (first year - waived)
  • 1 point (0.4 miles) per S$1 spend
  • No min income required and S$500 credit limit
  • Exclusive dining deals at over 1,000 eateries in Singapore
  • Access to Gourmet Pleasures dining programme
Citi Clear Card is one of the only options on the market that allows students to earn points/miles instead of cashback. Cardholders earn 1 point (0.4 miles) per S$1 spend, which is roughly equal to a 0.4% rebate. This is a higher rate than offered by several competitor cards. In addition, cardholders have access to dining programmes like Citi Gourmet Pleasures, which offers discounts on everything from online food delivery to sit-down meals at high-end restaurants. There are no minimum spend requirements and the S$29.96 fee is waived 1 year. For students who prefer miles to cashback, Citi Clear Card is worth considering.

Best OCBC Credit Card Promotions

Learn more about the best credit cards from OCBC Bank as well as their credit card promotions in 2022.

OCBC Titanium Card: Miles for Fashion & Retail

OCBC Titanium Rewards Credit Card
OCBC Titanium Rewards Credit Card
  • 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)
  • 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10)
  • 0.4 miles (1 OCBC$ Pts.) on all other spend
  • 2% cash rebate on BEST Denki spend
If you’re a frequent 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 Titanium Rewards Credit Card
OCBC Titanium Rewards Credit Card
  • Stand-Out: 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: No promotion currently being offered
  • Read Our Full Review
  • Annual fee: S$192.60 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)
  • 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10)
  • 0.4 miles (1 OCBC$ Pts.) on all other spend
  • 2% cash rebate on BEST Denki spend
If you’re a frequent 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.

Best American Express Credit Card Promotions

Learn more about the best credit cards from American Express Singapore as well as their credit card promotions in 2022.

American Express True Cashback Card: Unltd Earnings + Amex Benefits

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Up to S$80 CapitaVouchers with min. spend of S$250 in the first month
  • Promotion ends on 30th June 2022
  • Read Our Full Review
  • Annual fee: S$171.20 (first year - waived)
  • Get 1.5% cashback on all eligible spend, with no min. spend required and no cap
  • Get double the cashback at 3% on first S$5,000 spent within first 6 months
  • Free travel insurance up to S$350,000 when you purchase travel tickets with this card
American Express True Cashback Card is the best 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 credit card with unlimited rewards.

  • Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: Up to S$80 CapitaVouchers with min. spend of S$250 in the first month
  • Promotion ends on 30th June 2022
  • Read Our Full Review
  • Annual fee: S$171.20 (first year - waived)
  • Get 1.5% cashback on all eligible spend, with no min. spend required and no cap
  • Get double the cashback at 3% on first S$5,000 spent within first 6 months
  • Free travel insurance up to S$350,000 when you purchase travel tickets with this card
American Express True Cashback Card is the best 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 credit card with unlimited rewards.

American Express Singapore Airlines Krisflyer Card: Miles for Beginners

  • Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: Receive up to 17,050 KrisFlyer Miles (enough to redeem a return trip to Bali via Singapore Airlines)
  • Receive 11,500 KrisFlyer miles when you make a min. spend of S$500 within the first month of card approval, 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines Credit Card applicants), and earn 550 KrisFlyer miles based on the S$500 spending above (based on 1.1 KrisFlyer miles per S$1 spent locally)
  • Promotion valid till 15 August 2022
  • Promotion valid only for new card members
  • A min. spend of S$500 must be made within 30 days of card approval and annual fee payment
  • Read Our Full Review
  • Annual fee: S$176.55 (first year- waived)
  • 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 Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
American Express Singapore Airlines KrisFlyer Card is a straightforward option for people looking for a "starter" miles card. In terms of rates, 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 on Grab rides earn 3.1 miles per S$1, up to 620 miles/month. Rewards are earned directly in KrisFlyer miles, so there's no need to worry about transfers, conversions or any associated fees. Most travel cards actually earn in points–so Amex SIA KF Card is a bit more straightforward. Finally, Amex SIA KF is reasonably affordable with a S$176.55 fee that's waived 1 year. As a result, it's a worth considering for those who are looking for an easy-to-manage miles-earning credit card.
  • Stand-Out: Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: Receive up to 17,050 KrisFlyer Miles (enough to redeem a return trip to Bali via Singapore Airlines)
  • Receive 11,500 KrisFlyer miles when you make a min. spend of S$500 within the first month of card approval, 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines Credit Card applicants), and earn 550 KrisFlyer miles based on the S$500 spending above (based on 1.1 KrisFlyer miles per S$1 spent locally)
  • Promotion valid till 15 August 2022
  • Promotion valid only for new card members
  • A min. spend of S$500 must be made within 30 days of card approval and annual fee payment
  • Read Our Full Review
  • Annual fee: S$176.55 (first year- waived)
  • 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 Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
American Express Singapore Airlines KrisFlyer Card is a straightforward option for people looking for a "starter" miles card. In terms of rates, 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 on Grab rides earn 3.1 miles per S$1, up to 620 miles/month. Rewards are earned directly in KrisFlyer miles, so there's no need to worry about transfers, conversions or any associated fees. Most travel cards actually earn in points–so Amex SIA KF Card is a bit more straightforward. Finally, Amex SIA KF is reasonably affordable with a S$176.55 fee that's waived 1 year. As a result, it's a worth considering for those who are looking for an easy-to-manage miles-earning credit card.

American Express Singapore Airlines Krisflyer Ascend Card: Exclusive Travel Memberships

  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Receive 27,100 KisFlyer Miles with a min. S$500 spend in the first month of card approval and annual fee payment
  • 21,500 KrisFlyer miles when you make a min. spend of S$500 and make an annual fee payment within 30 days of card approval , 5,000 KrisFlyer miles upon first transaction on card, and earn 600 KrisFlyer miles based on the S$500 spending above (based on 1.1 KrisFlyer miles per S$1 spent locally)
  • Promotion valid till 15 August 2022
  • Promotion valid only for new card members
  • A min. spend of S$500 must be made within 30 days of card approval and annual fee payment
  • 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 Grab transactions (up to 640 mi/mo)
  • 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 Grab (up to 640 mi/mo). 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 often fly SIA, especially those who prioritise travel perks and specialty memberships.
  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Receive 27,100 KisFlyer Miles with a min. S$500 spend in the first month of card approval and annual fee payment
  • 21,500 KrisFlyer miles when you make a min. spend of S$500 and make an annual fee payment within 30 days of card approval , 5,000 KrisFlyer miles upon first transaction on card, and earn 600 KrisFlyer miles based on the S$500 spending above (based on 1.1 KrisFlyer miles per S$1 spent locally)
  • Promotion valid till 15 August 2022
  • Promotion valid only for new card members
  • A min. spend of S$500 must be made within 30 days of card approval and annual fee payment
  • 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 Grab transactions (up to 640 mi/mo)
  • 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 Grab (up to 640 mi/mo). 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 often fly SIA, especially those who prioritise travel perks and specialty memberships.

American Express Platinum Card: Local Luxury for Singapore's Elite

  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
If you're an affluent Singaporean that rarely travels, you can enjoy luxury locally with American Express Platinum Card. Cardholders have access to a myriad of privileges within the city state–Platinum Wellness discounts of up to 40% off elite spas, waived green fees at regional fairways and up to 50% off high-end dining & free drinks at trendy bars through the Love Dining & Chillax programmes. Amex Platinum is even the official card partner of the Michelin Guide Singapore, giving cardholders access to exclusive guest chef dinners.


High-spenders are also most likely to benefit from Amex Platinum's rewards structure. While general spend earns just 0.69 miles (1.25 Membership Pts) per S$1, purchases made with select designer brands & boutiques earn an unlimited 3.44 miles (6.25 pts) per S$1. This makes Amex Platinum Card ideal for wealthy shoppers who might feel limited by a typical shopping credit card (which cap rewards after as little as S$1k spend). Still, Amex Platinum isn't especially affordable. It's S$321 annual fee does not come with a waiver. Nonetheless, affluent Singaporeans may feel that its top-notch perks outweigh its yearly cost.

  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
If you're an affluent Singaporean that rarely travels, you can enjoy luxury locally with American Express Platinum Card. Cardholders have access to a myriad of privileges within the city state–Platinum Wellness discounts of up to 40% off elite spas, waived green fees at regional fairways and up to 50% off high-end dining & free drinks at trendy bars through the Love Dining & Chillax programmes. Amex Platinum is even the official card partner of the Michelin Guide Singapore, giving cardholders access to exclusive guest chef dinners.


High-spenders are also most likely to benefit from Amex Platinum's rewards structure. While general spend earns just 0.69 miles (1.25 Membership Pts) per S$1, purchases made with select designer brands & boutiques earn an unlimited 3.44 miles (6.25 pts) per S$1. This makes Amex Platinum Card ideal for wealthy shoppers who might feel limited by a typical shopping credit card (which cap rewards after as little as S$1k spend). Still, Amex Platinum isn't especially affordable. It's S$321 annual fee does not come with a waiver. Nonetheless, affluent Singaporeans may feel that its top-notch perks outweigh its yearly cost.

Best Maybank Credit Card Promotions

Learn more about the best credit cards from Maybank as well as their credit card promotions in 2022.

Maybank Horizon Visa Signature: Best for Local Miles

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • Subsequent annual fee is waived with min annual spend of S$18,000
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card is the best travel credit 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: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • Subsequent annual fee is waived with min annual spend of S$18,000
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card is the best travel credit 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

  • Up to S$125/mo with just S$800/mo spend
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming)
  • Up to S$125 cashback per month with S$800 min spend
  • 0.3% rebate all other spend
The absolute best credit card for people who spend time in both Malaysia and Singapore is Maybank Family & Friends Card. Spending S$500/month earns 5% rebate on fast food & food delivery, 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: Up to S$125/mo with just S$800/mo spend
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming)
  • Up to S$125 cashback per month with S$800 min spend
  • 0.3% rebate all other spend
The absolute best credit card for people who spend time in both Malaysia and Singapore is Maybank Family & Friends Card. Spending S$500/month earns 5% rebate on fast food & food delivery, 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% unlimited local cashback, fee waiver w/ S$10,000 annual spend
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$120
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • 5% Discount in FCBotiga official store in Camp Nou
  • 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 credit 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$10,000 annual spend
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$120
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • 5% Discount in FCBotiga official store in Camp Nou
  • 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 credit 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 Smaller Budgets

  • Up to 3.33% rebate with S$300 min spend, capped at S$100
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$80 (3 years fee waiver)
  • Subsequently quarterly service fee is waived w/ card use at least 1x/quarter
  • Up to 3.33% on all local and foreign currency spend
  • $30 quarterly rebate with at least S$300 monthly spend
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • 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 credit card for people with smaller budgets because it offers respectable rebates after just S$300 minimum monthly 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 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 your spend habits fit this profile, you should definitely consider Maybank Platinum Visa Card.

  • Stand-Out: Up to 3.33% rebate with S$300 min spend, capped at S$100
  • Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
  • Read Our Full Review
  • Annual fee: S$80 (3 years fee waiver)
  • Subsequently quarterly service fee is waived w/ card use at least 1x/quarter
  • Up to 3.33% on all local and foreign currency spend
  • $30 quarterly rebate with at least S$300 monthly spend
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • 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 credit card for people with smaller budgets because it offers respectable rebates after just S$300 minimum monthly 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 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 your 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 100 global fairways
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval (Limited to the first 2,000 approved applicants)
  • Read Our Full Review
  • Annual fee: S$240 (first year- waived)
  • Subsequent annual fee is waived with min annual spend of S$24,000
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Les Amis Group and more)
  • Complimentary green fees all year round at 100 participating golf clubs in 19 countries
  • Free travel insurance, lounge access & global concierge
  • Pair with Corporate Fuel Card for petrol discounts up to 19.1%
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 100 global fairways
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval (Limited to the first 2,000 approved applicants)
  • Read Our Full Review
  • Annual fee: S$240 (first year- waived)
  • Subsequent annual fee is waived with min annual spend of S$24,000
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Les Amis Group and more)
  • Complimentary green fees all year round at 100 participating golf clubs in 19 countries
  • Free travel insurance, lounge access & global concierge
  • Pair with Corporate Fuel Card for petrol discounts up to 19.1%
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.

Maybank eVibes: Best Rebate Card for Students

  • Market-leading 1% flat rebate for students
  • Promotions: Apply now and receive S$50 cashback with S$150 min spend within first 2 months of card approval + enjoy quarterly service fee waiver for first 2 years
  • Read Our Full Review
  • Annual fee: S$20 (waived for using the card once every 3 months)
  • 1% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Access to Maybank TREATS discounts
Maybank eVibes Cardis the best rebate card on the market for students, offering a market-leading 1% cashback on all spend. In fact, this rate is 4x higher than most competitor cards’ and there are no merchant restrictions, unlike the closest alternative. Cardholders do not need to worry about minimum spend requirements and the S$5.0 quarterly service fee is waived simply with card use. This makes Maybank eVibes Card extremely easy to use and maintenance-free–perfect for students just starting out with their first credit card.
  • Stand-Out: Market-leading 1% flat rebate for students
  • Promotions: Apply now and receive S$50 cashback with S$150 min spend within first 2 months of card approval + enjoy quarterly service fee waiver for first 2 years
  • Read Our Full Review
  • Annual fee: S$20 (waived for using the card once every 3 months)
  • 1% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Access to Maybank TREATS discounts
Maybank eVibes Cardis the best rebate card on the market for students, offering a market-leading 1% cashback on all spend. In fact, this rate is 4x higher than most competitor cards’ and there are no merchant restrictions, unlike the closest alternative. Cardholders do not need to worry about minimum spend requirements and the S$5.0 quarterly service fee is waived simply with card use. This makes Maybank eVibes Card extremely easy to use and maintenance-free–perfect for students just starting out with their first credit card.

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

Zoryana Melesh

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

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