Best Credit Cards for TransitLink SimplyGo (ABT) 2019

Of the nearly 100 Singaporean credit cards that are now SimplyGo enabled, we've identified those with the highest rewards rates for transport & contactless spend, making it easier for you to earn on your commute.

Best Credit Cards for Miles:
  • Maybank Horizon: 3.2 miles per S$1 spend on local food & transport
  • OCBC 90°N: 4 miles per S$1 overseas & 10k annual bonus miles
  • DBS Altitude: Affordable perks like lounge access w/ easy fee-waiver
  • UOB PRVI Miles: Fee-wavier + 20k bonus miles, 2.4 miles per S$1 overseas
Best Credit Cards for Cashback:
Best Credit Cards for High-Income Individuals:
Best Credit Cards for Contactless Shopping:

Compare Best TransitLink SimplyGo (ABT) Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best SimplyGo-enabled credit cards compare to one another in terms of their rewards
Best SimplyGo-enabled Credit Cards in Singapore by Estimated 2-Year Dollar Value
Best Credit Cards for Miles: Best Credit Cards for Cashback: Best Credit Cards for High-Income Individuals: Best Credit Cards for Contactless Shopping:

Compare Best TransitLink SimplyGo (ABT) Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

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

About SimplyGo & How We Selected the Best Credit Cards

With the gradual phasing out of EZ-Link cards, consumers can now turn to SimplyGo to pay for their train and bus rides. This capability, directly integrated into most credit and debit cards, allows for contactless payments without additional fees. Further streamlining the process, fares are charged to the consumer's credit card, showing up on their monthly statement. This eliminates the need for top-ups and consolidates expenses, making it easier for commuters to track their spend.

As transport is one of the largest spending categories for the average Singaporean, selecting a credit card that rewards payments made with SimplyGo can provide substantial value. While EZ-link and TransitLink transactions have historically been excluded from earning rewards, many credit cards offer miles or cashback on SimplyGo spend. Consumers seeking maximum rewards for transit spend should consider cards that offer high rates for transport or contactless spend. We've identified the best options currently on the market, providing detailed reviews on their benefits and drawbacks overall.

Best Air Miles Credit Cards with SimplyGo

Whether you're commuting locally or travelling abroad, these credit cards offer great rewards.

Maybank Horizon Visa Signature: Miles for Local Spend

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card stands out as one of the best miles credit cards for everyday spenders because consumers can earn high rewards rates for both local and overseas spend. While most travel cards favor foreign currency transactions, MB Horizon offers an incredible 3.2 miles per local S$1 spend on dining, transport, petrol, and Agoda bookings. Overseas spend still earns at a competitive rate at 2 miles per S$1, which is also awarded for spend on air tickets and travel packages. Altogether, consumers can quickly accrue miles from both day-to-day local spend as well as from vacation-planning.


In terms of SimplyGo, MB Horizon is a great match primarily because of its transport benefits. The 3.2 miles per S$1 spend applies to tap to pay for bus and train rides (as well as Grab and taxi rides, if you prefer private hires). Consumers can therefore earn miles on their everyday commute while enjoying the ease and convenience of their card's SimplyGo functionality. If this weren't enough of a perk, it's worth mentioning that MB Horizon also has a fee-waver with just S$18k spend. The S$180.0 annual fee is already waived the 1st 3 years, making this an ideal miles-earning card for on-the-go cardholders seeking rewards on all transport without any complications or maintenance.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card stands out as one of the best miles credit cards for everyday spenders because consumers can earn high rewards rates for both local and overseas spend. While most travel cards favor foreign currency transactions, MB Horizon offers an incredible 3.2 miles per local S$1 spend on dining, transport, petrol, and Agoda bookings. Overseas spend still earns at a competitive rate at 2 miles per S$1, which is also awarded for spend on air tickets and travel packages. Altogether, consumers can quickly accrue miles from both day-to-day local spend as well as from vacation-planning.


In terms of SimplyGo, MB Horizon is a great match primarily because of its transport benefits. The 3.2 miles per S$1 spend applies to tap to pay for bus and train rides (as well as Grab and taxi rides, if you prefer private hires). Consumers can therefore earn miles on their everyday commute while enjoying the ease and convenience of their card's SimplyGo functionality. If this weren't enough of a perk, it's worth mentioning that MB Horizon also has a fee-waver with just S$18k spend. The S$180.0 annual fee is already waived the 1st 3 years, making this an ideal miles-earning card for on-the-go cardholders seeking rewards on all transport without any complications or maintenance.

OCBC 90°N Card: Max Miles Rewards Overseas

  • Up to 4 miles per S$1 spend overseas
  • Promotions: Up to 10% off Emirates economy & business class
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, S$10,000 annual bonus miles
  • 1.2 miles per S$1 locally, 4 miles overseas & on select airlines
  • 4 miles per S$1 on select entertainment (Netflix, Spotify & more)
  • 8 miles per S$1 on select travel & accommodations bookings (Agoda, AirBnB & more)
  • No miles redemption fee, miles never expire
If you're looking for top travel rewards on both your daily commute and your spend overseas, you may want to consider OCBC 90°N Card. Consumers can enjoy 1.2 miles per S$1 spend locally–including on public transit fares via SimplyGo–which is competitive when compared to similar travel cards. OCBC 90°N Card stands out, however, by offering the highest rewards rate on the market for travel and overseas spending. In fact, cardholders can earn up to 4 miles per S$1 spend overseas and on select airlines, and up to 8 miles on select travel & accommodation bookings (like Agoda and AirBnB). Even the priciest miles cards offer just 3 miles per S$1 overseas at the very most.


That being said, OCBC 90°N Card's current rates are promotional, set to expire in February 2020. In addition, consumers who have a mostly local budget might prefer a SimplyGo-enabled card with higher rewards rates for spend in Singapore. Nonetheless, those who plan to travel during the coming holiday season can greatly benefit from these peak rewards rates while also enjoying the convenience of tap-and-pay for transit fares.

  • Stand-Out: Up to 4 miles per S$1 spend overseas
  • Promotions: Up to 10% off Emirates economy & business class
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, S$10,000 annual bonus miles
  • 1.2 miles per S$1 locally, 4 miles overseas & on select airlines
  • 4 miles per S$1 on select entertainment (Netflix, Spotify)
  • 8 miles per S$1 on select travel & accommodations bookings (Agoda, AirBnB & more)
  • No miles redemption fee, miles never expire
If you're looking for top travel rewards on both your daily commute and your spend overseas, you may want to consider OCBC 90°N Card. Consumers can enjoy 1.2 miles per S$1 spend locally–including on public transit fares via SimplyGo–which is competitive when compared to similar travel cards. OCBC 90°N Card stands out, however, by offering the highest rewards rate on the market for travel and overseas spending. In fact, cardholders can earn up to 4 miles per S$1 spend overseas and on select airlines, and up to 8 miles on select travel & accommodation bookings (like Agoda and AirBnB). Even the priciest miles cards offer just 3 miles per S$1 overseas at the very most.


That being said, OCBC 90°N Card's current rates are promotional, set to expire in February 2020. In addition, consumers who have a mostly local budget might prefer a SimplyGo-enabled card with higher rewards rates for spend in Singapore. Nonetheless, those who plan to travel during the coming holiday season can greatly benefit from these peak rewards rates while also enjoying the convenience of tap-and-pay for transit fares.

DBS Altitude Visa Card: Luxury Perks, Easy Fee-Waiver

  • Free lounge access & golf privileges, waivable fee
  • Promotions: Apply online & receive up to 38,000 welcome miles
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
Commuters who want to travel in style when on vacation–but who aren't willing to pay a S$500+ annual fee for luxury perks–might just be delighted by DBS Altitude Visa Card's high rates and affordable benefits. Not only is the card SimplyGo compatible, it also currently incentivizes tap-and-pay with 4 miles per S$1 spend on Bus & MRT rides using SimplyGo. Other local spend earns 1.2 miles per S$1, overseas spend earns 2 miles, and online travel bookings earn 3 miles.


One of the more attractive benefits of DBS Altitude Visa Card is its luxury perks, which stand out from other cards that have a similar annual fee. In fact, cardholders enjoy 2 free lounge visits per year, free travel insurance, golfing privileges through SE Asia and special dining deals and discounts. The annual fee comes to just S$192.6, but is waived entirely with just S$25k annual spend. As a result, DBS Altitude Visa Card is an excellent choice for travellers seeking accessible perks at a moderate price, plus rewards for their local commute.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: Apply online & receive up to 38,000 welcome miles
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
Commuters who want to travel in style when on vacation–but who aren't willing to pay a S$500+ annual fee for luxury perks–might just be delighted by DBS Altitude Visa Card's high rates and affordable benefits. Not only is the card SimplyGo compatible, it also currently incentivizes tap-and-pay with 4 miles per S$1 spend on Bus & MRT rides using SimplyGo. Other local spend earns 1.2 miles per S$1, overseas spend earns 2 miles, and online travel bookings earn 3 miles.


One of the more attractive benefits of DBS Altitude Visa Card is its luxury perks, which stand out from other cards that have a similar annual fee. In fact, cardholders enjoy 2 free lounge visits per year, free travel insurance, golfing privileges through SE Asia and special dining deals and discounts. The annual fee comes to just S$192.6, but is waived entirely with just S$25k annual spend. As a result, DBS Altitude Visa Card is an excellent choice for travellers seeking accessible perks at a moderate price, plus rewards for their local commute.

UOB PRVI Miles American Express Card: Rapid Miles w/ Fee-Waiver

  • Up to 20,000 bonus renewal miles & fee waiver
  • Promotions: Receive 10,000 welcome miles w/ S$6k spend in 1st 3mo
  • Earn up to 4.4mi/S$1 on overseas dining, shopping & accommodation, 3mi on Klook
  • Earn up to S$10 rebate on contactless payments
  • 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
UOB PRVI Miles American Express Card is one of the best cards on the market for frequent travellers with an above-average budget. Consumers who spend S$50k/year (approximately S$4,167/month) not only receive 20,000 bonus miles, but are also exempt from the S$256.8 annual fee. In addition to these benefits, cardholders earn at a competitive rate of 1.4 miles per S$1 local spend, 2.4 miles overseas and 10 miles with popular hotels and airlines. While travel perks are somewhat limited (limo transfers and free travel insurance), UOB PRVI Miles Card is still an excellent option for those seeking rapid miles accrual.


UOB PRVI Miles Card also currently rewards tap-and-pay/SimplyGo spend. Rides earn 1.4 miles per S$1 spend (equal to the local rate), and the complete convenience eliminates the need for top-ups or multiple cards. As a result, UOB PRVI Miles is a great option for travellers while also making consumer's transit rides easy and rewarding.

  • Stand-Out: Up to 20,000 bonus renewal miles & fee waiver
  • Promotions: Receive 10,000 welcome miles w/ S$6k spend in 1st 3mo
  • Earn up to 4.4mi/S$1 on overseas dining, shopping & accommodation, 3mi on Klook
  • Earn up to S$10 rebate on contactless payments
  • 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
UOB PRVI Miles American Express Card is one of the best cards on the market for frequent travellers with an above-average budget. Consumers who spend S$50k/year (approximately S$4,167/month) not only receive 20,000 bonus miles, but are also exempt from the S$256.8 annual fee. In addition to these benefits, cardholders earn at a competitive rate of 1.4 miles per S$1 local spend, 2.4 miles overseas and 10 miles with popular hotels and airlines. While travel perks are somewhat limited (limo transfers and free travel insurance), UOB PRVI Miles Card is still an excellent option for those seeking rapid miles accrual.


UOB PRVI Miles Card also currently rewards tap-and-pay/SimplyGo spend. Rides earn 1.4 miles per S$1 spend (equal to the local rate), and the complete convenience eliminates the need for top-ups or multiple cards. As a result, UOB PRVI Miles is a great option for travellers while also making consumer's transit rides easy and rewarding.

Best Cashback Credit Cards with SimplyGo

These credit cards are great for commuters seeking both convenience and easy rebates.

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

  • Best for Rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card is the absolute best cashback card for people interested in SimplyGo because of its market-leading rewards for transport in both Malaysia and Singapore. Cardholders earn up to 8% rebate on dining, groceries, transport, petrol, online TV streaming & more with just S$800 minimum spend (5% with S$500 spend). Eligible transport spend includes buses, train rides, ride-hailing services and passenger transportation services. As SimplyGo contactless fare payments are typically categorised as BUS/MRT, each trip will readily accrue rewards.


Beyond this transport perk, Maybank F&F Card shines for its accessibility regardless of budget size. As mentioned, Singaporeans can access elevated rates with as little as S$500 minimum spend–about S$300+ lower than the market norm. Spending just S$1k/month maxes out the S$80 monthly earning cap. Those who spend at this level for a full year will earn an incredible S$960 in rewards. Even better, spending S$12k/year garners an annual fee waiver (which is already waived the 1st 3 years). If you're interested in a credit card that's SimplyGo compatible and has great transport perks, there's no better option than Maybank F&F Card.

  • Stand-Out: Rebates of up to 8% in SG & MY w/ just S$500–800 spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card is the absolute best cashback card for people interested in SimplyGo because of its market-leading rewards for transport in both Malaysia and Singapore. Cardholders earn up to 8% rebate on dining, groceries, transport, petrol, online TV streaming & more with just S$800 minimum spend (5% with S$500 spend). Eligible transport spend includes buses, train rides, ride-hailing services and passenger transportation services. As SimplyGo contactless fare payments are typically categorised as BUS/MRT, each trip will readily accrue rewards.


Beyond this transport perk, Maybank F&F Card shines for its accessibility regardless of budget size. As mentioned, Singaporeans can access elevated rates with as little as S$500 minimum spend–about S$300+ lower than the market norm. Spending just S$1k/month maxes out the S$80 monthly earning cap. Those who spend at this level for a full year will earn an incredible S$960 in rewards. Even better, spending S$12k/year garners an annual fee waiver (which is already waived the 1st 3 years). If you're interested in a credit card that's SimplyGo compatible and has great transport perks, there's no better option than Maybank F&F Card.

OCBC 365 Card: Rebates on Essentials + Fee-Waiver

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Earn S$50 rebate w/ card approval
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
If you want to avoid paying an annual fee while still earning rebates on daily essentials, one of the best cards on the market is OCBC 365 Card. In terms of transport, cardholders earn up to 3% rebate on everything from trains, taxis, and charter buses to local and suburban commuter transport–in other words, Bus and MRT rides, which can be charged directly to your card via SimplyGo. Other rewards categories include dining and online food delivery (6% rebate), groceries (3%), recurring telco & electricity bills (3%), online travel bookings (3%), and petrol (5% at all stations, additional savings at Caltex & Esso).


In order to access these rewards rates, consumers must meet an S$800 minimum spend requirement. Total rewards are capped at S$80/month (quite competitive). Another reason OCBC 365 Card stands out, however, is that it grants a fee-waiver for consumers who spend just S$10k/year–that's just S$833/month. This is one of the easiest-to-achieve waivers on the market, making it a prime choice for people seeking an accessible SimplyGo-enabled card that rewards daily purchases.

  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Earn S$50 rebate w/ card approval
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
If you want to avoid paying an annual fee while still earning rebates on daily essentials, one of the best cards on the market is OCBC 365 Card. In terms of transport, cardholders earn up to 3% rebate on everything from trains, taxis, and charter buses to local and suburban commuter transport–in other words, Bus and MRT rides, which can be charged directly to your card via SimplyGo. Other rewards categories include dining and online food delivery (6% rebate), groceries (3%), recurring telco & electricity bills (3%), online travel bookings (3%), and petrol (5% at all stations, additional savings at Caltex & Esso).


In order to access these rewards rates, consumers must meet an S$800 minimum spend requirement. Total rewards are capped at S$80/month (quite competitive). Another reason OCBC 365 Card stands out, however, is that it grants a fee-waiver for consumers who spend just S$10k/year–that's just S$833/month. This is one of the easiest-to-achieve waivers on the market, making it a prime choice for people seeking an accessible SimplyGo-enabled card that rewards daily purchases.

CIMB Platinum MasterCard: No-Fee Rebates on Health, Transport & Dining

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Up to 10% cashback on health, transport, dining & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, petrol, dining & overseas travel
  • 10% cashback with select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard is a unique no-fee cashback card that rewards spend on transport (bus, train, private hires, taxis, limos & more) with an incredible 10% rebate. The card, which is expressly SimplyGo enabled, also rewards 10% rebate on dining, medical, petrol, travel bookings in foreign currency, and on spend with select electronics & furnishings vendors.


While 10% cashback is the highest rate on the market, each of these individual categories are capped at just S$20. While total earnings are capped at a lofty S$100/month, it's quite difficult to achieve this amount unless spending is evenly spread across all categories. There's also a minimum spend requirement of S$800. Nonetheless, CIMB Platinum MasterCard is low-risk and low-maintenance as there's never an annual fee. Overall, it's worth considering if you want a "free" SimplyGo-compatible card that rewards transit.

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Stand-Out: Up to 10% cashback on health, transport, dining & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, petrol, dining & overseas travel
  • 10% cashback with select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard is a unique no-fee cashback card that rewards spend on transport (bus, train, private hires, taxis, limos & more) with an incredible 10% rebate. The card, which is expressly SimplyGo enabled, also rewards 10% rebate on dining, medical, petrol, travel bookings in foreign currency, and on spend with select electronics & furnishings vendors.


While 10% cashback is the highest rate on the market, each of these individual categories are capped at just S$20. While total earnings are capped at a lofty S$100/month, it's quite difficult to achieve this amount unless spending is evenly spread across all categories. There's also a minimum spend requirement of S$800. Nonetheless, CIMB Platinum MasterCard is low-risk and low-maintenance as there's never an annual fee. Overall, it's worth considering if you want a "free" SimplyGo-compatible card that rewards transit.

Best SimplyGo-Enabled Credit Cards for High Spenders

With these credit cards, high spenders can enjoy peak convenience while also earning rewards to their full potential.

HSBC Advance Card: Top Rebates for Advance Customers

  • Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
If you're an affluent HSBC Advance banking customer–or open to applying for an account–HSBC Advance Card offers the best option on the market to maximise cashback on all spend. Advance customers earn up to 3.5% flat cashback–including on transit fare via SimplyGo–after S$2k monthly spend (2.5% if below), and can earn up to S$125/month (equal to an incredible S$1.5k/year). This earn rate is maxed out with about S$3,750 monthly spend, which is achievable for higher spenders.


Advance customers also never have to pay an annual fee, which makes the card an even better fit. It's worth mentioning that non-Advance customers earn at lower rates, have a lower earnings cap, and must pay an annual fee. As a result, it's worth considering applying for Advance status, which is fairly accessible in terms of requirements.

  • Stand-Out: Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
If you're an affluent HSBC Advance banking customer–or open to applying for an account–HSBC Advance Card offers the best option on the market to maximise cashback on all spend. Advance customers earn up to 3.5% flat cashback–including on transit fare via SimplyGo–after S$2k monthly spend (2.5% if below), and can earn up to S$125/month (equal to an incredible S$1.5k/year). This earn rate is maxed out with about S$3,750 monthly spend, which is achievable for higher spenders.


Advance customers also never have to pay an annual fee, which makes the card an even better fit. It's worth mentioning that non-Advance customers earn at lower rates, have a lower earnings cap, and must pay an annual fee. As a result, it's worth considering applying for Advance status, which is fairly accessible in terms of requirements.

Maybank FC Barcelona Visa Signature: Local Cashback, Unlimited

  • 1.6% unltd local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
Maybank FC Barcelona Visa Signature Card is the best unlimited cashback option for local high-spenders who desire convenience on their daily commute. Cardholders earn 1.6% flat cashback on all spend–including transit fare via SimplyGo–and never have to worry about minimum spend requirements or earning caps. This card outshines its competitors, who offer just 1.5% cashback on average, and also provides extra perks for sports fans who want discounts at FC Barcelona stores and a chance at free game tickets. Finally, unlike other unlimited cards, Maybank FC Barcelona comes with a fee waiver. Cardholders are exempt from the already-low S$120.0 fee after just S$10k annual spend.
  • Stand-Out: 1.6% unlimited local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
Maybank FC Barcelona Visa Signature Card is the best unlimited cashback option for local high-spenders who desire convenience on their daily commute. Cardholders earn 1.6% flat cashback on all spend–including transit fare via SimplyGo–and never have to worry about minimum spend requirements or earning caps. This card outshines its competitors, who offer just 1.5% cashback on average, and also provides extra perks for sports fans who want discounts at FC Barcelona stores and a chance at free game tickets. Finally, unlike other unlimited cards, Maybank FC Barcelona comes with a fee waiver. Cardholders are exempt from the already-low S$120.0 fee after just S$10k annual spend.

Standard Chartered Unlimited Cashback Card: Cashback + Transport Perks

  • 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: Receive up to S$80 cashback w/ approval
  • Unlock up to 5% rebate and S$80 Sign-up bonus when you open Unlimited$aver savings account
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
Standard Chartered Unlimited Cashback Card is not only an incredible option for affluent consumers who often feel limited by earnings caps–it's also an excellent card for those seeking transport benefits. Cardholders earn 1.5% cashback on all spend and enjoy up to 21% fuel savings with Caltex. In addition, SC Unlimited Cashback Card is SimplyGo-enabled allowing cardholders to commute with convenience. Ultimately, consumers who want both unlimited rewards and transport perks should definitely consider SC Unlimited Cashback Card.
  • Stand-Out: 1.5% unlimited cashback globally w/ no minimum spend requirement
  • Promotions: Receive up to S$80 cashback w/ approval
  • Unlock up to 5% rebate and S$80 Sign-up bonus when you open Unlimited$aver savings account
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
Standard Chartered Unlimited Cashback Card is not only an incredible option for affluent consumers who often feel limited by earnings caps–it's also an excellent card for those seeking transport benefits. Cardholders earn 1.5% cashback on all spend and enjoy up to 21% fuel savings with Caltex. In addition, SC Unlimited Cashback Card is SimplyGo-enabled allowing cardholders to commute with convenience. Ultimately, consumers who want both unlimited rewards and transport perks should definitely consider SC Unlimited Cashback Card.

Best Credit Cards for Contactless Shopping

The following credit cards offer top rewards rates for contactless spend–perfect for shoppers.

DBS Live Fresh Card: Top Rates on Mobile & Contactless Spend

  • Up to 5% rebate on online, mobile & contactless spend
  • Promotions: Receive S$100 welcome cashback
  • Earn an extra 5% cashback on transport
  • Read Our Full Review
  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo functionality
DBS Live Fresh Card is a remarkable card for frequent commuters, especially those who value ease and convenience. In addition to being an all-in-one card with SimplyGo functionality, it also rewards online, mobile, and contactless payments with up to 5% cashback. This essentially allows consumers to earn rewards on all of their spend, from local dining to shopping on Lazada and even paying transit fare. While there's a S$600 minimum spend requirement and S$60 earnings cap, DBS Live Fresh Card is still a great option for modern consumers who want to streamline their wallet and earn cashback on every purchase.
  • Stand-Out: Up to 5% rebate on online, mobile & contactless spend
  • Promotions: Receive S$100 welcome cashback
  • Earn an extra 5% cashback on transport
  • Read Our Full Review
  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo functionality
DBS Live Fresh Card is a remarkable card for frequent commuters, especially those who value ease and convenience. In addition to being an all-in-one card with SimplyGo functionality, it also rewards online, mobile, and contactless payments with up to 5% cashback. This essentially allows consumers to earn rewards on all of their spend, from local dining to shopping on Lazada and even paying transit fare. While there's a S$600 minimum spend requirement and S$60 earnings cap, DBS Live Fresh Card is still a great option for modern consumers who want to streamline their wallet and earn cashback on every purchase.

Standard Chartered SingPost Spree: Rebates on Foreign Online Shopping

  • Rebates on online overseas, vPost & local contactless
  • Promotions: Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions
  • 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
Standard Chartered SingPost Spree Card is ideal for those with a low or variable budget, who don't want to worry about minimum spend requirements. Cardholders earn 3% cashback on foreign online & vPost transactions and 2% on local online & contactless spend. This makes it fairly easy to immediately begin earning elevated rebates on daily spend–including SimplyGo fare payments. Another perk of SC SingPost Spree is its discounts on shipping and packaging, making it an overall great shopping card. While those with higher budgets may benefit from alternatives with higher rates, those with lower spend on shopping should definitely consider SC SingPost Spree Card.
  • Stand-Out: Rebates on online overseas, vPost & local contactless
  • Promotions: Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions
  • 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
Standard Chartered SingPost Spree Card is ideal for those with a low or variable budget, who don't want to worry about minimum spend requirements. Cardholders earn 3% cashback on foreign online & vPost transactions and 2% on local online & contactless spend. This makes it fairly easy to immediately begin earning elevated rebates on daily spend–including SimplyGo fare payments. Another perk of SC SingPost Spree is its discounts on shipping and packaging, making it an overall great shopping card. While those with higher budgets may benefit from alternatives with higher rates, those with lower spend on shopping should definitely consider SC SingPost Spree Card.

Learn More About Using Credit Cards for Contactless Payments

  • There are now many ways to pay for goods and services without ever manually swiping your credit card. These include using a digital wallet (Google Pay, Samsung Pay, Apple Pay & more) to make mobile payments, using "tap and pay" at a contactless checkout terminal, or tapping a 3rd party card that's linked to a credit card or bank account. You can tell if your credit card has tap and pay capabilities by checking for a universal wave-like symbol on its face–a series of 4 curves of increasing size expanding outwards to the right.


  • Each of these methods require a slightly different approach. Digital wallets, which link to credit or debit cards, are stored within a mobile app. Simply open the app and then hold your phone near a contactless payment terminal to complete your purchase. For tap-and-go payments, simply tap your credit card on the contactless symbol (described above), which is often clearly displayed on compatible checkout terminals. Finally, 3rd party cards–such as the previously popular EZ-link card–can also be used for contactless spend. Nonetheless, such functionalities (including those required to make transit fares) have been increasingly integrated directly into credit cards. One example is the gradual replacement of separate EZ-link cards with SimplyGo capabilities included within credit cards.
  • Using a phone to make mobile payments or simply tapping your credit card on a checkout terminal may feel a bit unsettling. There have been some concerns over fraud and identity theft, primarily because RFID technology (which makes tap-and-pay possible) can be vulnerable to card readers looking to steal personal information. Additionally, the streamlined payment process makes it very easy for criminals to continue using a card that's been lost or stolen. Digital wallets are accessible to just about anyone who knows the mobile app's password or security code. These risks are definitely worth considering before making contactless payments.


  • Nonetheless, the convenience of making contactless payments often outweighs the risks above. The simplified transactional process saves time with every purchase, which can be especially useful if you're busy or running late. Contactless payments also allow consumers to streamline their wallets, especially when all types of payments can be made with a simple tap. This is true of SimplyGo, which now allows consumers to tap their credit cards to pay for transit rides rather than relying on an additional EZ-link card and worrying about top-ups. Because of the ease and time-saving convenience, contactless purchases are becoming increasingly popular and relevant in modern society.
Carrie Arndt

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

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