Best Credit Cards for Young Adults 2020

As a young adult, you may be interested in a credit card without high minimum spend requirements–especially one without an annual fee. Also considering the importance of social perks and promotions, we’ve identified and reviewed best credit cards for young adults on the market below.

Best Credit Cards for Young AdultsCard Features
Best for CashbackOCBC Frank6% rebate online, 5% entertainment & cafes, with fee-waiver
UOB YOLOUp to 8% weekend rebate on dining, entertainment & Grab
Citi SMRTRebates on essentials + EZ-Link, no min. spend requirement
Best for MilesHSBC Revolution2 miles per S$1 online, dining & entertainment
Best No-FeeMB Platinum Visa3.33% flat rebate after S$300 min. spend
MB F&FUp to 8% rebates in Singapore & Malaysia
Online & ShoppingOCBC Titanium4 miles per S$1 fashion & select retail, with fee-waiver
Citi Rewards4 miles per S$1 on online & fashion spend

Best Cashback Credit Cards for Young Adults

Below, we’ve identified and analysed the market’s best cashback cards for young adults, in terms of rewards rates, affordability and millennial-focused promotions.

Best No-Fee Rebate Card for Online Spend: OCBC Frank Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • 1 Free Night at M Social Singapore w/ S$400 spend in 1st mo

OCBC Frank Card is the best no-fee rebate card for young adults, by no stretch of the imagination. Cardholders begin earning after just S$400 offline spend–one of the lowest minimum requirements on the market (S$200 lower than the closest competitor, even). Even more, the card offers impressive rates of 6% cashback for online spend and 5% on weekend entertainment & select cafes (3% on weekdays). This includes everything from online retail & travel bookings to spend at bars, cinemas, and even merchants like Starbucks. Even the first 2 NETS FlashPay Auto Top-Ups earn 3% rebate–another great perk.

OCBC Frank also stands out for it’s trendy card designs. Over 120 designs–included limited editions–are available to consumers, which offers young adults a fun and creative way to express themselves. While OCBC Frank Card doesn’t have many other promotions tailored to millennials, it does offer a fee-waiver, unlike its closest competitor. Cardholders are exempt from the already low S$80.0 fee with just S$10,000 annual spend (about S$833/month). Ultimately, if you’re interested in rebates for social & online spend but don’t want to deal with fees or high minimum requirements, OCBC Frank is the card for you.

Read Our Full Review

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

Best Rebate Card for Social Weekend Spenders: UOB YOLO Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$180 cashback w/ S$1.5k spend in 1st month + opening UOB One Savings Account

If you’re a weekend spender seeking promos tailored to young adults, there’s no better option than UOB YOLO Card. Cardholders enjoy some of the highest rebate rates on the market for social spend–up to 8% on weekend dining, entertainment & Grab rides. This includes transactions with fast food vendors & restaurants, lounges, nightclubs, bars, cinemas, and payments made on the Grab mobile application–both GrabPay and GrabFood. While weekend spend earns at the highest rates, cardholders can earn 3% rebates Monday-through-Friday. In addition, spend on online travel & online fashion earn cashback, though this rate frequently varies with card promotions.

One of the reasons UOB YOLO Card stands out is for its wide variety of millennial-focused deals & privileges. First of all, cardholders can enjoy boosted rebates with select dining and entertainment vendors through UOB SMART$ Rebate Programme. For example, cardholders can earn up to 10% cashback on spend with Cathay Cineplexes. Additionally, cardholders have access to discounts with online food delivery merchants, 1-for-1 food & drink specials, and deals at trendy restaurants through Visa Foodie Trail. From nightclub privileges to discounts at Lazada, Shopee & more, young adults receive unparalleled perks to suit their needs. In fact, UOB YOLO Card even occasionally hosts big parties featuring popular DJs.

It’s worth mentioning that cardholders must spend S$600/month to access UOB YOLO Card’s high rebate cards, and there’s a S$192.6 fee (waived 1-year). However, given the card’s excellent rates in key spend categories for young adults, plus its top-notch perks, UOB YOLO Card is the best option on the market for weekend spenders with social lifestyles.

Read Our Full Review

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

Best Cashback Card with No Minimum Spend Requirement: Citi SMRT Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo

Citi SMRT Card is one of the only rebate cards on the market with no minimum spend requirement–and is certainly the best. Young professionals on a budget can take advantage of great rates on everyday essentials–as well as leisure–with up to 7% rebate on groceries, 5% on fast food, coffee & cinemas, 3% for online shopping, and 2% on health & wellness. While most categories are merchant limited, these merchants are quite popular–Sheng Siong, Starbucks, Cathay Cineplexes & many more.

Citi SMRT Card is also EZ-Link compatible and offers 2% rebate on Auto Top-Ups. Most cards exclude such transactions from earning rewards. In addition, while there’s a S$192.6 fee, it’s waived for 2-years so young adults don’t need to worry about card costs for quite a while. Overall, if you’re a young professional looking to earn everyday rebates without worrying about minimum spend requirements, Citi SMRT Card is definitely worth considering.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, moves & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell

Best Miles Credit Cards for Young Adults: HSBC Revolution

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides

Young adults who prefer earning miles for social and online spend should definitely consider HSBC Revolution Card. Cardholders earn 2 miles per S$1 on local dining & entertainment, as well as for online shopping. Beyond offering miles instead of cashback, HSBC Revolution Card also stands out in a few ways. There’s no minimum spend requirement, so young adults can begin earning immediately. In addition, the same rates apply to both weekends and weekdays, so you’re equally rewarded, no matter when you spend.

HSBC Revolution Card even comes with a fee-waiver, unlike some alternative cards. After just S$12,500 annual spend (about S$1,042/month), cardholders are exempt from the S$160.5 fee–which is already waived the first 2 years. Overall, if you’re a young adult who prefers earning miles to cashback, there’s no better option than HSBC Revolution Card.

Read Our Full Review

  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 20.2% fuel savings with Caltex, 14% with Shell
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 20.2% fuel savings with Caltex, 14% with Shell

Best No-Fee Credit Cards for Young Adults

Chances are, you may prefer to focus on personal spending rather than worry about paying an annual fee. The following are some of the best cards on the market that offer easy fee-waivers.

Best No-Fee Card for Young, Lower Spenders: Maybank Platinum Visa Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

If you’re having a hard time meeting minimum spend requirements or paying high annual card fees, you may be interested in Maybank Platinum Visa Card. Cardholders with as little as S$300 monthly spend can earn 3.33% flat cashback, up to S$30/quarter–at this spend level, most rebate cards offer base cashback rates of just 0.3%. In addition, the S$20.0 quarterly service fee is waived 3 years, and then simply with card use.

It’s worth mentioning that cardholders spending S$1,000/month earn S$100/quarter, which is less competitive. In addition, the card is rather simple and comes with only a few perks, like movie discounts and free travel insurance. Overall, however, Maybank Platinum Visa Card is by far the most affordable and accessible option if you want to maximise cashback for lower spend.

Read Our Full Review

  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend (local only)
  • S$100 quarterly rebate with at least S$1,000 monthly spend (local only)
  • 0.3% rebate on overseas spend, capped at S$50/month
  • Local spend below S$300 minimum does not earn rebate
  • No minimum spend requirement for overseas rebate
  • Free travel insurance
  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend (local only)
  • S$100 quarterly rebate with at least S$1,000 monthly spend (local only)
  • 0.3% rebate on overseas spend, capped at S$50/month
  • Local spend below S$300 minimum does not earn rebate
  • No minimum spend requirement for overseas rebate
  • Free travel insurance

Best No-Fee Rebates in Singapore & Malaysia: Maybank Family & Friends MasterCard

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

Do you spend time in both Singapore & Malaysia, perhaps for leisure or maybe to visit family? If you want a no-fee card that maximises cashback for spend in both countries, you may be interested in Maybank Family & Friends Card. After just S$500 spend, cardholders can earn up to 5% rebate in both countries for dining, groceries, transport, petrol and data communications/online TV streaming (& more). Spending S$800/month earns up to 8% rebates.

Maybank Family & Friends Card also stands out for its fee waiver. Cardholders are exempt from the S$180.0 fee after just S$12,000 annual spend (S$1,000/month). Regardless of spend level, the fee is waived the 1st 3 years for all consumers. Overall, Maybank F&F Card is an excellent choice if you want rewards after a relatively low minimum spend and frequent both Singapore & Malaysia.

Read Our Full Review

  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)

Best Online & Shopping Credit Cards for Young Adults

If you’re a frequent shopper and want rewards for spending on retail, the following cards offer great ways to maximise miles or rebates.

Best Shopping Card for 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:
  • Earn S$50 rebate w/ card approval
  • 2% cash rebate at BEST Denki

OCBC Titanium Rewards Card is the best miles-earning card on the market for retail shoppers, including young adults. Cardholders enjoy 4 miles per S$1 spend on fashion retail, electronics, at department stores and with select retail merchants (Amazon, Alibaba, Lazada, Qoo10, Shopee & many more). This means you can earn on everything from food products to beauty supplies. In addition, all kinds of transactions are rewarded (online, offline, local & overseas).

OCBC Titanium Rewards Card is an especially great option for young adults because there is no minimum spend requirement, and there’s an easy fee-waiver. Cardholders are exempt from the S$192.6 fee (already waived 2 years) with just S$10,000 annual spend. This means young adults can immediately been earning for all types of shopping spend, without worrying about extra fees. Overall, OCBC Titanium Card is the best retail card for young shoppers.

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 Miles Card for Online & Fashion: 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:
  • Receive 30,000 bonus points (12,000 miles) w/ S$3k spend in 1st 3mo
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend

If you mostly shop online, or for fashion, you may be interested in Citi Rewards Card. Cardholders earn 4 miles per S$1 spend on online transactions (including online food & grocery delivery and ride-hailing services), as well as on clothing, shoes, bags & more (including at department stores). Transactions are eligible for rewards whether they’re made locally or overseas. This makes Citi Rewards Card an especially easy to use card for young adults interested in keeping up with fashion trends and who prefer to spend online. There’s a S$192.6 fee, but it’s waived 1 year.

Read Our Full Review

  • 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. online 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. online 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 for Young, Social Lazada Loyalists: Citi Lazada Card

Consider this if you want to earn miles for online shopping & social spend

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
  • Receive free 1-Year LiveUp Membership (worth S$59.90)

Many young adults spend quite a bit on dining, entertainment, and private hires like Grab and Gojek; Citi Lazada Card rewards all of these spend categories with 2 miles (5pts) per S$1 spend, but stands out most for its great rates on Lazada spend. Online platform shoppers earn a market-leading 4.8 miles (12pts) per S$1 spend, plus $1.99 shipping rebates on purchases of S$50+ (up to 4x/month). Consumers can deepen their savings further with exclusive discounts and deals available only to Citi Lazada cardholders.

Still, Citi Lazada Card is best for those with smaller shopping budgets, which is another reason why it's a great fit for younger spenders. Earnings are capped at 4,000 miles (10,000pts) per month, which is equal to S$40 value-to-consumer. Cardholders can max out their rewards earnings with just S$833 spend with Lazada. As a result, young adults who spend about S$1k per month on online shopping & local social spend are most likely to maximise rewards with Citi Lazada Card.

  • Annual fee: S$192.6, 1-year waiver
  • Up to 4.8 miles (12pts) per S$1 spend w/ Lazada
  • Up to 4 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
  • Free travel insurance
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4.8 miles (12pts) per S$1 spend w/ Lazada
  • Up to 4 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
  • Free travel insurance

Best Rebates for Online Overseas: Standard Chartered SingPost Spree Card

Consider this if you shop frequently from websites outside of Singapore

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

If you have a shopping budget of S$300–S$500/month and like to shop online overseas, you can maximise cashback with Standard Chartered SingPost Spree Card. Without having to worry about a minimum spend requirement, cardholders earn 3% cashback on foreign online & vPost transactions, 2% on local online, & contactless transactions, and 1% on general spend. Cardholders also receive discounts on shipping and packaging of up to 20%.

These rates are higher than what cardholders can earn with alternatives, which offer base rates of about 0.3% for very low spend levels. However, people who can consistently meet typical minimum spend requirements (S$600+/month) can earn more with other cards. All things considered, SC SingPost Spree Card is best for people with smaller shopping budgets who spend with overseas merchants on Amazon, or similar sites.

Read Our Full Review

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

Rebate Card for Online & Mobile Payments: DBS Live Fresh Card

Consider this if you shop online or use mobile wallet frequently

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$100 cashback w/ S$600 spend in 1st mo
  • Earn an extra +5% cashback on transport spend for 3mo with a min. spend of S$600/mo

DBS Live Fresh Card is a great option for tech-friendly young adults who prioritise convenience. Cardholders earn 5% cashback online and for all contactless spend, including mobile pay. This is a great pairing because it allows consumers to earn on nearly all spend–as long as they’re comfortable using a mobile wallet. DBS Live Fresh Card is even EZ-Link compatible, which is great for overall convenience. It’s worth mentioning, however, that cardholders can only access these rates after S$600 minimum spend, and there’s a S$128.4 fee (waived 1 year). Overall, young adults looking for a straightforward cashback card to consolidate spend and streamline their wallet may be interested in DBS Live Fresh Card.

Read Our Full Review

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

Best Cashback Card for Low Income Earners: CIMB AWSM Card

CIMB AWSM Card
CIMB AWSM Card

Consider this if you earn S$18,000 and S$30,000 per year and are below the age of 35

Annual Income Requirement S$0.0 for Students & NSFs (age 18-29); S$18,000 for salaried employees age below 35; S$30,000 for age above 35
Foreigner Income Requirement N/A

If you’re just starting out in your career and earn between S$18,000–S$29,000/year, CIMB AWSM Card is one of the best cashback cards on the market to consider. Most credit cards require a minimum income of S$30,000; this requirement can sometimes be waived with a S$10,000+ fixed deposit as collateral. If this isn’t feasible, however, you’re still in good hands with CIMB AWSM Card–applicants under 35 years old are eligible for approval, as long as they earn at least S$18,000/year.

Cardholders earn an unlimited 1% rebate on all dining, entertainment, online shopping & telco spend. There’s no minimum spend requirement, and no annual fee. In effect, there’s no better card on the market for low-income working adults–which is why we recommend CIMB AWSM Card to young adults who are just starting out as new employees.

Read Our Full Review

  • Annual fee: Free
  • Accessible to working adults earning up to S$30,000/year
  • 1% unlimited cashback on dining, entertainment, online shopping & telco
  • No minimum spend requirement
  • S$500 credit limit
  • Access to CIMB Deals & Discounts
  • Annual fee: Free
  • Accessible to working adults earning up to S$30,000/year
  • 1% unlimited cashback on dining, entertainment, online shopping & telco
  • No minimum spend requirement
  • S$500 credit limit
  • Access to CIMB Deals & Discounts

Rebate Card for Low Income Salaried Adults: Standard Chartered Manhattan S$500 Card

Standard Chartered Manhattan $500 Card
Standard Chartered Manhattan $500 Card

Consider this if you want to earn straightforward cashback

Annual Income Requirement N/A
Foreigner Income Requirement N/A

Standard Chartered Manhattan S$500 Card is one of the few options on the market available to low-income working adults. Consumers earning between S$18,000–S$29,000/year are eligible; most cards require S$30,000 as a minimum income requirement. With SC Manhattan S$500 Card, however, low-earners receive 0.25% flat rebate on all spend. There are no minimum spend requirements, no earning caps, and no merchants or categories to track. While the rewards rate is low, SC Manhattan S$500 Card is one of the easiest cards to use. While there’s a S$32.1 annual fee, it’s rather low and is waived the 1st year. Overall, if you’re a young working adult with a low salary, you may be interested in considering SC Manhattan S$500 Card.

Read Our Full Review

  • Annual fee: S$32.1, 1-year waiver
  • Accessible to working adults earning up to S$18,000/year
  • 0.25% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Annual fee: S$32.1, 1-year waiver
  • Accessible to working adults earning up to S$18,000/year
  • 0.25% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit

Summary of Best Credit Cards for Young Adults 2019

Below, we've prepared a summary of our picks for the best credit cards for young adults in 2019.

CardBest for...Annual Fee
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
UOB YOLOWeekend Social SpendS$192.6
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
Maybank Platinum VisaLow SpendersS$80.0 (waiver)
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6
CardBest for...Annual Fee
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
UOB YOLOWeekend Social SpendS$192.6
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
Maybank Platinum VisaLow SpendersS$80.0 (waiver)
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6

Compare the Best Credit Cards for Young Adults by Dollar Value

The graph below represents the approximate value-to-consumer (in SGD) of the best credit cards for movies in Singapore. Dollar values are calculated based on approximate rewards earned with a S$2,000 monthly spend for 2 years. This number varies, however, depending on individual spending habits.

A graph displaying how best credit cards for young adults compare to one another in terms of value-to-consumer
Best Credit Cards for Young Adults in Singapore by Estimated 2-Year Dollar Value
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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