Best Credit Cards for Wedding Expenses 2021

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. Our experts 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
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
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

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
Consider this if you want a good miles credit card with an easily waived annual fee
  • Pros
    • Great for online travel bookings
    • No an annual fee
    • Cons
      • Those willing to pay an annual fee for more bonus miles
      • Affluent travellers who are willing to pay a high fee for luxury travel perks
      Promotions:

      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.

      Read Our Full Review

      • 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 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
      • Pros
        • Great for rapid miles accrual
        • Awards high spend on airlines & hotels
        • No-fee card
        • Cons
          • Doesn't fit infrequent travellers with mostly local budgets
          • Lacks luxury perks & privileges
          Promotions:

          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.

          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, 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

          PROMO: GET 30,000 MILES AT SIGN-UP
          Standard Chartered Visa Infinite X Credit Card
          Standard Chartered Visa Infinite X Credit Card
          Consider this if you have +S$100k of cash you can put into a banking account with Standard Chartered
          • Pros
            • Earn up to 300,000 bonus welcome miles
            • Earn 2 miles/S$1 spend overseas
            • Special privileges with elite hotels
            • Cons
              • Bonus miles limited to affluent consumers
              • Very high & unwaivable S$695.5 annual fee
              • Lower rewards rates than other lux. cards
              Promotions:
              • New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)

              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.

              Read Our Full Review

              • 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.

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

              Standard Chartered Unlimited Cashback Credit Card
              Standard Chartered Unlimited Cashback Credit Card
              Consider this if you’re a high spender and want unlimited amount of cash rebate
              • Pros
                • Unlimited 1.5% flat cashback
                • No minimum spend requirement
                • Up to 21% fuel savings with Caltex
                • Cons
                  • Must spend S$7,000/month to get good value
                  • No boosted rates in specific categories
                  • No travel perks
                  Promotions:

                  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.

                  Read Our Full Review

                  • 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

                  PROMO: RECEIVE S$120 CAPITA VOUCHERS
                  Consider this if you want unlimited amount of cash rebate and value American Express's services
                  • Pros
                    • Great Amex perks
                    • Straightforward, easy-to-use card
                    • Cons
                      • Not suitable for lower budgets
                      • Rewards general spend only
                      Promotions:
                      • New to Bank applicants can receive S$20 CapitaVouchers upon 1st transaction within 1st month of Card approval, and S$100 CapitaVouchers with S$500 spend within first month of Card approval.

                      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.

                      Read Our Full Review

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

                      PROMO: GET Garmin vivomove Style worth S$469
                      Consider this if you want to earn an unlimited amount of cash rebate without paying an annual fee
                      • Pros
                        • Affluent consumers spending S$6,500+/month
                        • High spenders with mostly local budgets
                        • Football fans–especially of FC Barcelona
                        • Cons
                          • Frequent travellers with high overseas spend
                          • People spending less than S$5,000/month
                          • Consumers who prioritise travel perks & privileges
                          Promotions:
                          • Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval

                          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.

                          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
                          • 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

                          OCBC 90°N Card
                          OCBC 90°N Card
                          Consider this if you are a high spender and want to earn hybrid rewards
                          • Pros
                            • Versatile rewards: cashback or miles
                            • Cashback: Unltd. 1.2% locally, 2.1% overseas
                            • Miles: 1.2 mi/S$1 locally, 2.1 mi overseas
                            • Annual bonus worth S$100 or 10k mi
                            • No conversion fees & rewards never expire
                            • Cons
                              • Local rates are less competitive
                              • No category-specific rewards boosts
                              • Perks limited to discounted lounge access
                              • S$192.60 fee waived just 1 year
                              Promotions:

                              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.

                              Read Our Full Review

                              • 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

                              Use our link to get the latest promotion from CIMB!
                              Consider this if you want a no fee cashback card for travelling
                              • Pros
                                • Best fit for monthly budgets above S$2,000
                                • Unlimited 2% cashback on travel, overseas and online
                                • No annual fee credit card
                                • Cons
                                  • Not suitable for spenders with local budgets
                                  • Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers
                                  Promotions:
                                  • Click on our link to get the latest promotion from CIMB!

                                  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). 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.

                                  Read Our Full Review

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

                                  Best 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
                                  • Pros
                                    • Luxury travel perks
                                    • Great rewards with Singapore Airlines
                                    • Elite travel memberships
                                    • Cons
                                      • Not suitable for high overseas spend
                                      • High annual fee
                                      Promotions:

                                      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.

                                      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
                                      • 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

                                      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
                                      • Pros
                                        • Great rewards for high overseas spend
                                        • Rewards banking activity
                                        • Cons
                                          • Not suitable for average spenders who mostly buy local essentials
                                          • Annual fee
                                          Promotions:

                                          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.

                                          Read Our Full Review

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

                                          Consider this if you want flexible miles redemption and dine out frequently
                                          • Pros
                                            • 2.2 miles per S$1 overseas and dining spend
                                            • 1.3 miles per S$1 local general
                                            • 15,000 annual bonus renewal miles (worth S$150)
                                            • Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more
                                            • Up to 19% fuel savings with Caltex
                                            • Cons
                                              • High S$488 annual fee (no waiver)
                                              • Recurring bills ineligible for rewards
                                              • Access to limo transfers requires S$3,000 minimum spend
                                              Promotions:

                                              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.

                                              Read Our Full Review

                                              • 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.

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

                                              DBS Woman's World Card
                                              DBS Woman's World Card
                                              Consider this if you need to make a large purchase that you can't immediately afford
                                              • Pros
                                                • 0% interest payment plans available
                                                • Good rewards for online shopping
                                                • Online purchase protection
                                                • Cons
                                                  • Lacks travel perks
                                                  • Limited rewards categories
                                                  Promotions:
                                                  • Charge min S$15,000 to receive an annual fee waiver
                                                  • 7% off at Chu Collagen (until Dec 31, 2021)

                                                  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.

                                                  Read Our Full Review

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

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

                                                  PROMO: GET VOUCHERS WORTH S$300
                                                  Consider this if you want to accrue miles from your shopping purchases
                                                  • Pros
                                                    • 10 pts (4 miles) per S$1 on fashion & select retail (Qoo10, Amazon, & more)
                                                    • Fee waiver with S$10,000 annual spend
                                                    • Lounge & JetQuay Quayside access
                                                    • Up to 16% fuel savings with Caltex, 14% with Esso
                                                    • Cons
                                                      • 1 pt (0.4 miles) per S$1 other spend
                                                      • Earnings capped at 4,000 mi/mo (worth S$40)
                                                      Promotions:
                                                      • New cardholders get welcome gift vouchers worth up to S$300 via STACK loyalty platform within 7 business days of card approval
                                                      • Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$

                                                      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.

                                                      Read Our Full Review

                                                      • 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

                                                      PROMO: 23% OFF DORSETT SINGAPORE
                                                      OCBC Cashflo Credit Card
                                                      OCBC Cashflo Credit Card
                                                      Consider this if you want to earn rebates on your 0% instalment payments
                                                      • Pros
                                                        • 0% Interest instalment plan, no processing fee
                                                        • Trigger scheme automatically splits payments which earn rebates
                                                        • Fee waiver with S$10,000 annual spend
                                                        • Cons
                                                          • Just 0.5% rebate with spend below S$1,000 minimum
                                                          • Few additional benefits or perks
                                                          • High S$800 minimum spend requirement
                                                          Promotions:
                                                          • 23% off Best Available Rates at Dorsett Singapore with promo code OCBC (book and stay by Feb 28, 2022)
                                                          • Use code OCBC10 to get 10% off online and in-store purchases at Epigram Books (until Jan 31, 2022)

                                                          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.

                                                          Read Our Full Review

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

                                                          Use our link to get the latest promotion from CIMB!
                                                          Consider this if you want a no-fee credit card for beauty, online fashion & more
                                                          • Pros
                                                            • Rewards online shopping, groceries and beauty spend
                                                            • Rewards pet spend and cruises
                                                            • No annual fee credit card
                                                            • Cons
                                                              • Lacks discounts on transport & petrol
                                                              • Speciliazed spend
                                                              • Doesn't fit frequent travellers

                                                              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.

                                                              Read Our Full Review

                                                              • 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 Household Essentials: POSB Everyday Card

                                                              Consider this if you're a family shopper with a diversified budget
                                                              • Pros
                                                                • Benefits highly diversified spend with large food budgets
                                                                • Great fit for commuters seeking a convenient, an all-in-one card
                                                                • Cons
                                                                  • Not suitable for consistent spend of S$2k+/mo
                                                                  • Lacks travel rewards
                                                                  • Has an annual fee
                                                                  Promotions:

                                                                  POSB Everyday Card is a great option if you’re looking for a rebate card that will provide consistent value as you settle into your new normal. This card typically earns you 3% to 10% cash back on food delivery, groceries, transport, personal care and recurring bills. POSB Everyday Card's strongest rebates are on online food delivery, 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 in the 1st year which relieves a bit of stress in the early stages of celebrating your wedding and settling down. 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 into the future.

                                                                  Read Our Full Review

                                                                  • Annual fee: S$192.60 (first year - waived)
                                                                  • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
                                                                  • 8% cash rebates on fuel (up to 21.8% at SPC)
                                                                  • 5% cash rebates on groceries (Sheng Siong)
                                                                  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
                                                                  • 3% cash rebates on personal care at Watsons
                                                                  • 1% cash rebates on recurring bills with select merchants (capped at S$1/month)
                                                                  • 0.3% cash rebate on all other spend
                                                                  • DBS Payment Plan: pay 0% interest, up to 6 months
                                                                  • Annual fee: S$192.60 (first year - waived)
                                                                  • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
                                                                  • 8% cash rebates on fuel (up to 21.8% at SPC)
                                                                  • 5% cash rebates on groceries (Sheng Siong)
                                                                  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
                                                                  • 3% cash rebates on personal care at Watsons
                                                                  • 1% cash rebates on recurring bills with select merchants (capped at S$1/month)
                                                                  • 0.3% cash rebate on all other spend
                                                                  • DBS Payment Plan: pay 0% interest, up to 6 months

                                                                  Summary of Best Credit Cards for Wedding Expenses 2021

                                                                  Below, we've prepared a summary of our picks for the best credit cards for wedding expenses in 2021.

                                                                  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.

                                                                  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.