Best Credit Cards for Wedding Expenses 2020

Weddings in Singapore can easily cost S$16,000 to S$50,000, if not more. Therefore, you could benefit from using a credit card without a cap on rebates or strict spending requirements. We analysed 100+ credit cards on the market, taking into consideration both cashback rewards and honeymoon-friendly promotions, to ultimately identify the selection below as the best credit cards for wedding expenses.

Best Credit Cards for Wedding Expenses
Honeymoon MilesDBS AltitudeFee-waiver & perks like lounge access
Citi PremierMilesUp to 26.5k bonus miles & perks like lounge access
SC Visa Infinite XUp to 150,000 bonus miles for wealthy consumers
Unltd RewardsUnlimited Cards1%–2% unlimited cashback with extra perks
Luxury TravelAmex SIA KF AscendElite perks inc. hotel & flight upgrades
Citi PrestigeUnltd. lounge access & more
Fashion & BeautyCiti Rewards4 miles per S$1 online & fashion
DBS Woman's World4 miles per S$1 online, 0% instalment plan
OCBC Titanium4 miles per S$1 on fashion & select retail
Luncheon CateringPOSB EverydayTop rebates on daily essentials

Best Credit Cards for Travel & Honeymoon Wedding Expenses

While bridal packages and banquet venues account for much of the typical wedding budget, the honeymoon is also an important expense. The following cards offer great miles rewards and travel perks to help you save on your trip and better enjoy your stay.

No-Fee Miles Card for Affordable Perks: DBS Altitude Visa Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • S$200 cashback w/ promo code "DBSFlash" (must make 1 transaction)
  • Or receive 38,000 miles by entering code "ALTAF" or "DBSALT" in your application
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)

DBS Altitude Visa Card offers respectable miles rewards and great travel perks alongside a fee-waiver, making it one of the most affordable cards on the market. Cardholders earn 1.2 miles per S$1 local spend, 2 overseas, and 3 for online travel bookings, and miles earned never expire. In addition, cardholders receive benefits like free travel insurance, 2 lounge visits/year, golfing privileges and more. While these perks are often associated with pricier travel cards, DBS Altitude Card’s fee is just S$192.6–and, unlike its key competitor, it comes with a fee-waiver. Those spending S$25,000 per year are exempt altogether. Ultimately, DBS Altitude Card is an especially affordable travel card with great perks.

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  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)

Best Travel Card for Affordable Miles & Perks: Citi PremierMiles Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • New cardholders get a set of Airpods Pro (worth S$379) or S$300 upon activating and spending within 60 days of approval
  • S$30 cash via PayNow (existing customers)

Citi PremierMiles Card is an excellent option for your wedding expenses because of its affordable balance of both high miles rewards and exclusive travel perks. Cardholders earn a respectable 1.2 miles per S$1 local spend and 2 miles overseas, with no cap on earnings. This means spending S$30,000 on a local wedding banquet earns an incredible 36,000 miles–more than enough to cover most honeymoon flights. Even better, cardholders receive 21,000 bonus miles with just S$7,500 spend, and another 10,000 miles annually when renewing card membership. If this more than covers your round trip flights, there’s no need to worry about losing out–unlike with some competitors, Citi Miles never expire.

Citi PM Card also offers perks that will make your trip more enjoyable, like free travel insurance and 2 free lounge visits/year (which together can be applied towards the principal cardmember and a guest). Despite these perks, Citi PM Card is actually quite affordable. The S$192.6 fee is even waived the 1st year, so you won’t need to worry about extra costs upfront. Ultimately, this is one of the best travel cards available with great rates, bonuses and perks at an affordable price.

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  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance

Best Card for Earning Rapid Miles: UOB PRVI Miles American Express Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo

Whether you’re planning a high-end wedding locally or overseas, you can rapidly maximise miles earnings with UOB PRVI Miles American Express Card. This card offers some of the highest rewards rates on the market, with 1.4 miles per S$1 local spend, 2 miles overseas, and 6 miles with major airlines & hotels. Even better, you can earn a fee-waiver–and 20,000 bonus miles–with just S$50,000 annual spend. If you charge your wedding banquet, bridal package, wedding rings and other costs to the card, it’s fairly likely you’ll reach this number. In the process, you’d also earn between 70,000 and 120,000 miles rewards–more than enough to cover round trip honeymoon flights.

Cardholders can also enjoy a few perks, like free travel insurance, airport transfers, and American Express Essentials dining privileges, which only add to the overall value of the card. If you’re planning a high-end wedding, definitely consider UOB PRVI Miles Card to make the most of your spend.

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  • 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, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

Standard Chartered Visa Infinite X: Bonus Miles for the Affluent

Consider this if you have +S$100k of cash you can put into a banking account with Standard Chartered

Annual Income Requirement S$80,000 (S$30,000 for SG citizens & PR with Priority or Private Banking accounts)
Foreigner Income Requirement S$80,000 (S$60,000 for foreigners with Priority or Private Banking accounts)
Promotions:
  • 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020

For affluent couples with extra funds readily available, Standard Chartered Visa Infinite X Card is the absolute best choice for accruing upfront miles. New cardholders who place S$300k fresh funds in a SC Priority Banking Account receive an incredible 100,000 bonus KrisFlyer miles–worth S$10k when redeemed for business class air tickets. Those who can invest S$800k receive 150,000 miles (worth S$15k), and Priority Private Banking customers who place S$1.5m receive 300,000 miles (worth S$30k). For those who can afford to invest substantial amounts upfront, SC Visa Infinite X Card offers the absolute best opportunity to maximise miles rewards quickly with minimal effort.

In addition to providing very affluent individuals with more than enough bonus miles to cover just about any honeymoon flight, SC Visa Infinite X Card also offers a few travel perks. Cardholders enjoy 2 free lounge visits annually, complimentary travel insurance, hotel privileges & upgrades, and discounts on rental cars and green fees. Furthermore, every S$1 spend earns 1.2 miles locally and 2 miles overseas. These perks and rates aren't especially competitive when compared to other luxury travel cards, and the S$695.5 non-waivable fee may be a deterrent for some. Nonetheless, those who can maximise the sign-up bonus by placing funds can earn more than enough to offset such costs, providing some of the greatest potential value-to-consumer rewards that can currently be found on the market.

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  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia

Best Credit Cards for Wedding Expenses with Unlimited Rewards

Wedding expenses are high and ever-increasing in Singapore. While typical cashback cards have caps on earnings, unlimited cards will let you earn on all of your spend.

Citi Cash Back+ Card: Highest Unltd Flat Rebate Rate

Consider this if you spend at least S$6,000 per month and want to earn unlimited rebate in Singapore & overseas

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • New cardholders get a set of Airpods Pro (worth S$379) or S$300 upon activating and spending within 60 days of approval
  • S$30 cash via PayNow (existing customers)

Citi Cash Back+ Card provides the highest level of unlimited rebate. While most other unlimited cashback cards provide a rebate of 1.5%, Citi Cash Back+ Card's rebate is higher at 1.6%, which can lead to a meaningful difference in rewards for large expenditures like a wedding. Furthermore, this rebate applies to expenditures occuring in overseas, which typically isn't offered by similar cards. While it doesn't provie an annual fee waiver or other privileges, Citi Cash Back+ is a great option for people with large budgets who are focused primarily on earning to their full potential.

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  • Annual fee: S$192.6, waived for 1 year
  • Unlimited 1.6% rebate on all spend
  • No minimum spend requirements
  • Annual fee: S$192.6, waived for 1 year
  • Unlimited 1.6% rebate on all spend
  • No minimum spend requirements

Best Credit Card with Transport Perks for High Spend on Weddings: Standard Chartered Unlimited Cashback Card

Consider this if you’re a high spender and want unlimited amount of cash rebate

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • New cardholders will receive a Nespresso Inissia Coffee Machine & Aeroccino 4 Milk Frother w/ 1 transaction
  • Existing cardholders will receive S$30 worth of GrabFood voucher

Standard Chartered Unlimited Cashback Card is an excellent option if you’re planning an expensive wedding because it not only lets you earn rewards on all of your spend, but also provides transport perks that help you save in day-to-day life. Cardholders earn 1.5% unlimited cashback on all purchases, from bridal packages to venue bookings and beyond. This is great because spending S$30,000 on a wedding banquet would earn an incredible S$450 cashback. Even the best traditional cashback cards limit earnings to about S$100/month.

In addition, SC Unlimited Cashback Card offers more benefits than its fairly standard competitors. The card has SimplyGo functionality, helping you to conveniently streamline your wallet, and offers fuel savings up to 21% with Caltex. Cardholders enjoy savings no matter how they get from one place to another.

While this convenience extends beyond the wedding, it’s worth pointing out that SC Unlimited Cashback Card is most competitive for high spenders. If your budget stabilizes somewhere below S$5,000/month after the honeymoon, you may be interested in more conventional cashback cards with higher rates.

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  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • TransitLink SimplyGo (ABT) functionality
  • Up to 21% fuel savings with Caltex
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • TransitLink SimplyGo (ABT) functionality
  • Up to 21% fuel savings with Caltex

Best Unlimited Cashback Card with Amex Benefits: American Express True Cashback Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Get S$120 cash via PayNow, must make S$500 spend on eligible purchases within the first 30 days of card approval
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • Receive S$80 CapitaVoucher w/ S$500 spend in 1st mo (new customers); existing customers receive S$40 voucher

American Express True Cashback Card is the best option to earn unlimited rewards on wedding expenses if you’re an Amex loyalist seeking access to their exclusive perks. Cardholders earn 1.5% unlimited cashback on all spend–boosted to 3% for the first 6 months following card approval (up to S$150). Few unlimited cashback cards offer such welcome deals. However, an even better feature that cardholders can enjoy in perpetuity is access to American Express Selects dining privileges and card-specific True Cashback promotions. These programmes offer top-notch, curated discounts–often including complimentary gifts and upgrades related to wedding expenditures. Overall, Amex True Cashback Card is an excellent choice if you’re seeking Amex perks and want to earn unlimited rewards on wedding expenses.

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  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC

Unlimited Cashback Card with Highest Local Rewards Rate: Maybank FC Barcelona Visa Signature Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000 for Malaysians; S$60,000 for Others
Promotions:
  • Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)

If you’re planning a big local wedding, you can earn the absolute most for your spend with Maybank FC Barcelona Visa Signature Card, which offers the highest local rate for unlimited cashback on the market: 1.6% (v. 1.5%). While the difference may seem small, it adds up with higher spend volume. So, if you’re wedding budget is quite large, you’ll see a clear bump in comparative earnings.

Maybank FC Barcelona Card is also a great option because unlike competitors, it offers a fee-waiver. Cardholders are exempt from the S$120.0 fee with just S$10,000 annual spend–which may very well be covered just by paying for your wedding venue. It’s worth mentioning, however, that overseas spend earns just 0.8 miles per S$1 (equal to about 0.8% cashback), so this may not be the best option if you’re planning a destination wedding.

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

Best Unlimited Cashback Card for Cashback + Miles: OCBC 90°N Card

Consider this if you are a high spender and want to earn hybrid rewards

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Up to 10% off Expedia bookings
  • Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver)

Affluent consumers who typically feel limited by capped rebate cards can certainly benefit from several unlimited cashback cards. OCBC 90°N Card, however, is the only option that allows individuals to max out rewards both in cashback and miles, without the typical added costs of transfers or conversions. Cardholders first earn in Travel$, each of which is worth S$0.01 cash or 1 air mile. Accordingly, consumers earn an unlimited 1.2% cashback locally and 2.1% overseas, or 1.2 miles per S$1 locally and 2.1 miles overseas. In both cases, the overseas rewards rate is quite competitive. In fact, no other unlimited cashback card offers such a high rebate on spend in foreign currencies, and the closest competitor imposes a minimum spend requirement for its boosted rates. OCBC 90°N Card does not have any minimum requirements. Even better, rewards can easily be converted into miles or cashback, at equivalent redemption value–most rewards cards devalue points redeemed for cashback. Earnings never expire, and there are no transfer or conversion fees.

This versatility is great for high spenders who may want to earn cashback most of the time, but switch to miles if they're planning a big trip–perhaps a honeymoon. In fact, miles that are redeemed for first class flight bookings also increase in redemption value, from S$0.01 to up to S$0.10 in value-to-consumer. This would further increase the value of earnings while contributing to the luxury feel of a honeymoon trip. Finally, cardholders receive 10,000 bonus Travel$ annually, which can be redeemed for 10,000 air miles or S$100 rebate. This easily offsets more than half of the S$192.6 annual fee. Ultimately, those with large budgets seeking hybrid rewards should definitely consider OCBC 90°N Card.

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  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences

Best Unlimited Cashback Card for Golf & Travel: CIMB Visa Infinite Card

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

Annual Income Requirement Singaporean & Singapore PR: S$120,000 . Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers)

CIMB Visa Infinite Card is the absolute best unlimited rewards card for frequent travellers who prefer earning cashback to miles–and a great cashback option if you’re planning to get married overseas. Cardholders earn an unlimited 1% rebate on general spend, and can also earn unlimited 2% cashback on travel & overseas transactions (in SGD and in foreign currency) after S$2,000 minimum spend. This elevated travel rate includes transactions with hotels as well as with airlines and travel agencies, so you can earn the highest unlimited rate on the market for spend on a destination wedding.

CIMB Visa Infinite Card is also a great option because of its unique travel benefits, which may also be useful during your honeymoon. While very few cashback cards offer travel perks at all, CIMB Visa Infinite Card offers free travel insurance (cardholder & family), discounted limo transfers, and 3 free airport lounge visits/year (S$25/visit for supplementary cardholder). Cardholders can even enjoy free green fees at 108 fairways across 16 countries–one of the best golfing perks on the market. In addition, CIMB Visa Infinite Card is free forever–so you’ll never have to worry about a card fee. Ultimately, this is the perfect option if you’re planning a wedding outside of Singapore and want to maximise cashback earnings.

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  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan

Best Miles Credit Cards for Luxury Travel Perks

If you can afford to pay a higher annual fee, the following cards offer excellent ways to maximise welcome miles while also providing access to exclusive travel benefits.

Best Card for Exclusive Travel Memberships: American Express Singapore Airlines KrisFlyer Ascend Card

Consider this if you prioritise luxury perks like flight & hotel membership upgrades

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • Spend S$8k w/in 1st 3mo, receive 16k bonus miles
  • Spend S$8k in 4th to 6th month, receive another 16k bonus miles

American Express Singapore Airlines KrisFlyer Ascend Card not only offers welcome bonuses at least as robust as Amex SIA KF Card's, it also offers extraordinary travel perks that stand out from competitors'. To begin with, consumers earn 1.2 miles/S$1 on general spend, 2 miles on SIA brands and overseas in June & December, and 3.2 miles on Grab transactions (up to 640 mi/mo). What really stands out, however, is benefits like 4 free lounge visits/year, 1 free hotel night annually, and free travel insurance. Even more, cardholders are eligible for membership upgrades to Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus. These programmes can provide an easier and more luxurious experience for honeymooners abroad.

Even with all of these valuable perks, Amex SIA KF Ascend Card has a moderate fee of just S$337.05. For reference, many luxury travel cards cost S$500+ per year. Ultimately, couples may be interested in this card if they want reasonably affordable luxury perks as well as competitive rates.

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  • 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
  • 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

Best Travel Card for Luxury Perks: Citi Prestige MasterCard

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

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • New cardholders get a set of Airpods Pro (worth S$379) or S$300 upon activating and spending within 60 days of approval
  • S$30 cash via PayNow (existing customers)

Citi Prestige MasterCard’s offers some of the most comprehensive luxury travel perks on the market, making it perfect for those planning big weddings and high-end honeymoons. Cardholders earn rewards rates of 1.3 miles per S$1 local spend and 2 miles overseas, allowing a quick accumulation of miles. Even better, cardholders receive 25,000 miles as a welcome gift and then an additional 25,000 miles annually, which can easily count towards your honeymoon (and which also help to offset the S$535 annual fee).

Citi Prestige Card really stands out for its travel perks, however, which help to provide an ultimate travel experience. Cardholders receive unlimited free lounge access for themselves and a guest (which is somewhat rare, as guests often incur added costs), and enjoy free limo transfers, access to JetQuay, and golfing privileges throughout SE Asia. In addition, cardholders receive bonus nights at hotels worldwide–an easy way to add an extra night to your honeymoon, cost-free. Overall, Citi Prestige Card is an excellent option for higher spenders, though it’s worth noting that consumers must earn S$120,000/year for approval.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Travel Card with Highest Overseas Rewards Rate: Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000
Promotions:
  • Receive up to 35,000 welcome miles

Standard Chartered Visa Infinite Card is the absolute best travel card on the market if you’re planning a wedding overseas–though even consumers planning local weddings are also set to benefit substantially. Cardholders earn 1.4 miles per S$1 local spend and 3 miles overseas–the highest rate on the market. Spending S$30,000 on a banquet venue, therefore, could earn you 42,000 miles if local or 90,000 miles if overseas–plus, you’ll receive 35,000 welcome miles as a new cardmember, which can easily go towards your honeymoon flights (and then some).

SC Visa Infinite also offers top-notch luxury travel perks, like a free yacht hire, 6 airport lounge visits/year, Hertz Asia privileges, and golfing privileges throughout SE Asia. If you’re a frequent traveller, you’ll be able to appreciate true comfort and convenience even after your wedding and honeymoon are over. This card is also a great option if you’re interested in earning rewards for your banking activity, such as for paying your income taxes (which are excluded from earning by most other cards). Ultimately, SC Visa Infinite Card offers excellent miles rates and luxury perks and may be a great option to earn on your wedding expenses. However, there’s a non-waivable S$588.5 fee, and consumers must earn S$150,000/year to qualify.

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  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex

Best Travel Card for Easy Miles Redemption: OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card

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

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Receive 15,000 annual bonus miles

OCBC Voyage Card stands out as the best card for flexible miles redemption, and for those with shifting travel schedules. This could be great as you plan for your wedding and honeymoon, because you can earn miles at a boosted rate locally, and then redeem them later, at any airline, with no black-out dates. Cardholders earn 1.2 miles per S$1 locally and 1.6 miles on local dining–the latter being higher than any other local rate on the market. Overseas spend also earns a quite high 2.3 miles per S$1, making OCBC Voyage Card quite competitive no matter where you spend your budget.

OCBC Voyage Card also comes with great travel perks. Cardholders enjoy unlimited lounge access, golfing privileges and free limo transfers. While there’s a S$488 fee and a S$120,000 salary requirement, it’s an excellent option for high-earners looking for a travel card with flexibility.

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

Best Credit Cards for Fashion & Beauty Wedding Expenses

From the bridal gown to hair and makeup, fashion and beauty are essential in preparing for your wedding. The following cards offer great ways to earn rewards on such wedding expenses.

Flexible Rewards Card for Fashion Wedding Expenses: Citi Rewards Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • New cardholders get a set of Airpods Pro (worth S$379) or S$300 upon activating and spending within 60 days of approval
  • S$30 cash via PayNow (existing customers)

Citi Rewards Card is a great option if you want rewards for fashion and online spend as it offers 10 points (4 miles) per S$1 spend for online transactions (including food & grocery delivery and ride-hailing services) as well as on clothing, bags, shoes and other fashion items. Cardholders can earn rewards both locally and overseas, and even at department stores, which are often excluded. With such great flexibility, it’s easy to use Citi Rewards Card to earn from spend on your bridal gown. There’s a S$192.6 fee, but it’s waived the first year, allowing you to shop and plan stress-free.

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  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online (inc. food & grocery delivery, ride-hailing services)
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online (inc. food & grocery delivery, ride-hailing services)
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Miles Card for Online Shoppers with 0% Interest Instalment Plan: DBS Woman’s World MasterCard

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

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • S$200 cashback w/ promo code "DBSFlash" (must make 1 transaction)
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)

DBS Woman’s World Card is a great card for online shoppers who want to buy now and pay later. Cardholders earn 4 miles per S$1 spend on online shopping (up to 8,000 miles/month), 0.4 miles on general local spend, and 1.2 miles overseas. As a result, this card is best if you’re planning to spend a large part of your wedding budget online. Cardholders can also access the My Preferred Payment 0% interest instalment plan, splits transactions of S$100+ across up to 12 months with no processing fee. Other plans charge fees up to 5% of the transaction amount, which adds up quickly for larger purchases. Cardholders can avoid the card’s S$192.6 annual fee as well with S$25,000 annual spend. Ultimately, DBS Woman’s World Card is great if you’re making large online purchases for your wedding that you’d prefer to pay back over time.

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

Best Miles Card for Fashion & Retail Spend: OCBC Titanium Rewards Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo (existing customers)
  • 2% cash rebate at BEST Denki

OCBC Titanium Rewards Card is the absolute best rewards card on the market for fashion and retail spend. Cardholders earn 10 points (4 miles) per S$1 spend on fashion, electronics, department stores, and on purchases made with a wide variety of merchants (Amazon, Alibaba, Lazada, Qoo10 & many more). Cardholders earn whether they shop online or offline, locally or overseas, making OCBC Titanium especially flexible. And, because of the merchant network, it’s easy to earn rewards for spend on everything from your bridal gown to beauty products.

OCBC Titanium Card does limit rewards to 4,000 miles/month, but because it’s retail-focused, it makes for a great supplemental card nonetheless. As you plan your wedding, you might want to consider pairing OCBC Titanium Card with an unlimited cashback card or travel card. It’s an especially great option because, unlike its competitor, it comes with an easy fee-waiver with just S$10,000 annual spend.

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

Best Card for Rebates on 0% Instalment Payments: OCBC Cashflo Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive & use card instantly when you apply via MyInfo
  • Up to 55% off single trip travel insurance

Weddings, needless to say, are quite expensive. OCBC Cashflo Card offers the best 0% interest instalment plan on the market, allowing you to actually earn on split transactions without paying a processing fee. In fact, OCBC Cashflo Card is the only card on the market that allows net-earning on instalment payments. Cardholders earn up to 1% rebate on the purchase and don’t pay a processing fee. In contrast, competitors who offer rebates charge large processing fees that cancel out potential gains. Competitors who do not charge processing fees also do not offer rebates.

OCBC Cashflo Card also stands out for offering a fee-waiver. Cardholders can avoid the S$160.5 with S$10,000 annual spend. If you’re making a large wedding-related purchase and want to pay it back overtime, OCBC Cashflo Card offers a no-fee way to actually earn rewards on split transactions.

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  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
  • Up to 16% fuel savings with Caltex, 14% with Esso

No-Fee Cashback for Beauty & Shopping: CIMB Visa Signature Card

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

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

CIMB Visa Signature Card is a great match for brides-to-be as it offers a market-leading 10% rebate on both beauty & wellness and online shopping spend. If you're preparing for your wedding, you can easily earn on purchases and pamperings along the way–like a day at the spa, a trip to the massage parlour, or even new make-up from a cosmetics store.

Other spend categories also earn at the 10% rate, including groceries, petcare, and transactions with cruise lines. While these may seem a bit unique, CIMB Visa Signature is still worthwhile as there's no annual fee, making the card especially low-maintenance. While there's an S$800 minimum spend, this may be feasible if you're spending quite a bit on fashion and wellness leading up to your big day.

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

Best Card for Online Catering & Essentials: POSB Everyday Card

Consider this if you're a family shopper with a diversified budget

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • S$200 cashback with no minimum spend using promo code "DBSFLASH" (must make 1 transaction)
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)

POSB Everyday Card is a great option if you’re looking for a rebate card that rewards wedding expenses, but that will also continue providing value even when your honeymoon is over. POSB Everyday Card continuously offers some of the highest promotional rates on the market for everyday essentials. Even though these rates frequently change, cardholders can typically earn up to 15% rebate on dining, groceries, transport, personal care and recurring bills. POSB Everyday Card also frequently offers 15% rebate on online food delivery and catering, which may be especially useful if you’re planning a less-traditional luncheon or would like to save money.

While POSB Everyday Card has a S$192.6 annual fee, it's waived the 1st year which relieves a bit of stress during the wedding season. It also has the added convenience of ABT functionality, allowing contactless payment of public transit fares. Ultimately, POSB Everyday Card may be useful for consolidating spend onto one card as you plan for your wedding, and can continue providing value after-the-fact.

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  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC
  • SimplyGo/ABT capabilities for public transit fares
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC
  • SimplyGo/ABT capabilities for public transit fares

Summary of Best Credit Cards for Wedding Expenses 2020

Below, we've prepared a summary of our picks for the best credit cards for wedding expenses in 2020.

CardBest for...Annual Fee
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Maybank FC BarcelonaUnlimited Local CashbackS$120.0 (waiver)
Citi PrestigeLuxury Travel PerksS$535.0
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
POSB EverydayRebates on EssentialsS$192.6
CardBest for...Annual Fee
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Maybank FC BarcelonaUnlimited Local CashbackS$120.0 (waiver)
Citi PrestigeLuxury Travel PerksS$535.0
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
POSB EverydayRebates on EssentialsS$192.6

Compare the Best Credit Cards for Wedding Expenses by Dollar Value

To help you find the best credit card to pay for your wedding, we have prepared a chart below organizing credit cards by 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget. There are also other "intangible" benefits like complimentary travel insurance and free access to airport lounges whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best credit cards for wedding expenditures compare to one another in terms of their rewards

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

Carrie Arndt

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

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