Best Maybank Credit Cards 2020

As the biggest bank in Malaysia and the fourth biggest bank in Singapore, Maybank boasts a robust set of credit cards for Singaporeans. To help you find your ideal card, our team has handpicked several Maybank credit cards with outstanding features and value propositions.

Compare Best Maybank Credit Cards by Dollar Value

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

A graph displaying how best Maybank credit cards compare to one another in terms of their rewards
Best Maybank Credit Cards in Singapore by Estimated 2-Year Dollar Value
Maybank Horizon Visa:
  • Market-leading 3.2 miles per S$1 select local spend
Maybank Family & Friends:
  • Rebates up to 8% in Singapore & Malaysia
Maybank FC Barcelona:
  • Highest unlimited local rebate–1.6% on all spend
Maybank Platinum Visa:
  • Up to 3.33% rebate with S$300 min. spend requirement
Maybank World:
  • Free green fees at 120 fairways across 25 countries
Maybank eVibes:
  • Highest rebate for students–1% on all spend

Compare Best Maybank Credit Cards by Dollar Value

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

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

Maybank Horizon Visa Signature: Top Miles for Local Spend

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card offers the highest miles rewards rate for local spend on the market–in addition to impressive overseas rates & travel perks. Cardholders earn 3.2 miles per S$1 spend on local dining, taxis & Grab, petrol, and hotel bookings with Agoda. Most travel cards offer just 1.1–1.4 miles per S$1 local spend.


In addition, cardholders receive 2 miles per S$1 spend on foreign currency transactions, air tickets & travel packages–a respectable rate, equal to even some of the pricier travel cards. This rewards structure allows you to earn in key spending categories in day-to-day life, but still earn miles for planning a vacation and travelling.

Maybank Horizon Card also comes with a few perks. Cardholders enjoy free travel insurance and airport lounge access. Even better, cardholders who spend S$18,000/year (about S$1,500/month) are exempt from the S$180.0 fee. Very few traditional travel cards come with fee waivers. Overall, if you spend a great deal of your budget locally but want to earn miles rewards, there’s no better option than Maybank Horizon Card.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card offers the highest miles rewards rate for local spend on the market–in addition to impressive overseas rates & travel perks. Cardholders earn 3.2 miles per S$1 spend on local dining, taxis & Grab, petrol, and hotel bookings with Agoda. Most travel cards offer just 1.1–1.4 miles per S$1 local spend.


In addition, cardholders receive 2 miles per S$1 spend on foreign currency transactions, air tickets & travel packages–a respectable rate, equal to even some of the pricier travel cards. This rewards structure allows you to earn in key spending categories in day-to-day life, but still earn miles for planning a vacation and travelling.

Maybank Horizon Card also comes with a few perks. Cardholders enjoy free travel insurance and airport lounge access. Even better, cardholders who spend S$18,000/year (about S$1,500/month) are exempt from the S$180.0 fee. Very few traditional travel cards come with fee waivers. Overall, if you spend a great deal of your budget locally but want to earn miles rewards, there’s no better option than Maybank Horizon Card.

Maybank Family & Friends MasterCard: Best Rebates for SG & MY

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card is an excellent choice if you split your time–and budget–between Singapore & Malaysia. Cardholders earn 5% rebate in both countries on fast food & food delivery, groceries, transport, petrol, data communications/online TV streaming & more, all after just S$500 minimum spend. With S$800 spend, cardholders earn up to 8% rebate with the same merchants. At this spend level, most competitor cards offer just 3.33% cashback or less.


Maybank F&F Card's rewards categories not only lack merchant restrictions, but also cover key spend areas. In fact, food & transport alone make up nearly half of the average consumer’s monthly budget. In addition, cardholders can even avoid the S$180.0 fee with just S$12,000 annual spend. If you have a low to mid-size budget and spend time in Malaysia, Maybank Family & Friends Card could be a match for you.

  • Stand-Out: Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card is an excellent choice if you split your time–and budget–between Singapore & Malaysia. Cardholders earn 5% rebate in both countries on fast food & food delivery, groceries, transport, petrol, data communications/online TV streaming & more, all after just S$500 minimum spend. With S$800 spend, cardholders earn up to 8% rebate with the same merchants. At this spend level, most competitor cards offer just 3.33% cashback or less.


Maybank F&F Card's rewards categories not only lack merchant restrictions, but also cover key spend areas. In fact, food & transport alone make up nearly half of the average consumer’s monthly budget. In addition, cardholders can even avoid the S$180.0 fee with just S$12,000 annual spend. If you have a low to mid-size budget and spend time in Malaysia, Maybank Family & Friends Card could be a match for you.

Maybank FC Barcelona Visa Signature: Unlimited Local Rewards

  • 1.6% unltd local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • 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
If you’re a high spender with a mostly local budget, you should definitely consider Maybank FC Barcelona Visa Signature Card. Cardholders earn the highest unlimited cashback rate on the market for local spend, at 1.6% (vs. 1–1.5%). This is perfect if you typically feel constrained by earnings caps (for example, if you spend S$7,000+/month). However, this card is less effective for people with high overseas spend, as cardholders earn just 0.8 miles per S$1 on foreign currency transactions.


Maybank FC Barcelona Card also stands out because of its fee-waiver. Cardholders are exempt from the S$120.0 fee with just S$10,000 annual spend. Few unlimited competitor cards offer fee-waivers. Therein, if you’re a local spender looking for a no-fee cashback card with unlimited earning potential, you might be interested in Maybank FC Barcelona Card.

  • Stand-Out: 1.6% unltd local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • 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
If you’re a high spender with a mostly local budget, you should definitely consider Maybank FC Barcelona Visa Signature Card. Cardholders earn the highest unlimited cashback rate on the market for local spend, at 1.6% (vs. 1–1.5%). This is perfect if you typically feel constrained by earnings caps (for example, if you spend S$7,000+/month). However, this card is less effective for people with high overseas spend, as cardholders earn just 0.8 miles per S$1 on foreign currency transactions.


Maybank FC Barcelona Card also stands out because of its fee-waiver. Cardholders are exempt from the S$120.0 fee with just S$10,000 annual spend. Few unlimited competitor cards offer fee-waivers. Therein, if you’re a local spender looking for a no-fee cashback card with unlimited earning potential, you might be interested in Maybank FC Barcelona Card.

Maybank Platinum Visa: Rebates for Low Spenders

  • Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Quarterly service fee: S$20.0, 3-year waiver, then w/ card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • Free travel insurance
Maybank Platinum Visa Card is the best rebate card on the market for low-spenders. In fact, cardholders can earn up to 3.33% flat cashback after just S$300 spend, capped at S$30/quarter. At this rate, most cashback cards just offer a base rewards rate of 0.3%. This means for the same spend, you’ll earn 10x the rewards with Maybank Platinum Visa Card.


Higher spend earns a higher rebate (S$1,000/month earns S$100/quarter), but this rate isn’t quite as competitive. Even still, Maybank Platinum Visa Card is a great fit for lower spenders because of its easy fee-waiver. The S$20.0 quarterly service fee is waived 3 years, and then simply with card use. Overall, if you’re having trouble hitting the monthly minimum spend requirements of a typical cashback card, you can quickly multiply your rewards and avoid an annual fee with Maybank Platinum Visa Card.

  • Stand-Out: Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Quarterly service fee: S$20.0, 3-year waiver, then w/ card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • Free travel insurance
Maybank Platinum Visa Card is the best rebate card on the market for low-spenders. In fact, cardholders can earn up to 3.33% flat cashback after just S$300 spend, capped at S$30/quarter. At this rate, most cashback cards just offer a base rewards rate of 0.3%. This means for the same spend, you’ll earn 10x the rewards with Maybank Platinum Visa Card.


Higher spend earns a higher rebate (S$1,000/month earns S$100/quarter), but this rate isn’t quite as competitive. Even still, Maybank Platinum Visa Card is a great fit for lower spenders because of its easy fee-waiver. The S$20.0 quarterly service fee is waived 3 years, and then simply with card use. Overall, if you’re having trouble hitting the monthly minimum spend requirements of a typical cashback card, you can quickly multiply your rewards and avoid an annual fee with Maybank Platinum Visa Card.

Maybank World MasterCard: Best Miles for Golfers

  • 2 free green fees/month, access to 120+ global fairways
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
Maybank World MasterCard is the best miles-earning card on the market for avid golfers. Cardholders receive 2 free green fees/month at 120 fairways across 25 countries. This is 3x the number of fairways offered by the closest competitor. In addition, cardholders enjoy travel perks like free travel insurance and airport lounge access.


In addition to these perks and privileges, cardholders also earn 10 points (4 miles) per S$1 spend with select dining and luxury retail merchants. Supplementary cardholders also have access to these rates, which can be great for couples. Even better, all spend–including that by supplementary cardholders–counts towards earning a fee-waiver. The S$240.0 fee is waived entirely with S$24,000 total annual spend. Ultimately, if you’re a frequent golfer seeking access to fairways worldwide, and also want to earn miles, Maybank World MasterCard could be a great option for you.

  • Stand-Out: 2 free green fees/month, access to 120+ global fairways
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
Maybank World MasterCard is the best miles-earning card on the market for avid golfers. Cardholders receive 2 free green fees/month at 120 fairways across 25 countries. This is 3x the number of fairways offered by the closest competitor. In addition, cardholders enjoy travel perks like free travel insurance and airport lounge access.


In addition to these perks and privileges, cardholders also earn 10 points (4 miles) per S$1 spend with select dining and luxury retail merchants. Supplementary cardholders also have access to these rates, which can be great for couples. Even better, all spend–including that by supplementary cardholders–counts towards earning a fee-waiver. The S$240.0 fee is waived entirely with S$24,000 total annual spend. Ultimately, if you’re a frequent golfer seeking access to fairways worldwide, and also want to earn miles, Maybank World MasterCard could be a great option for you.

Maybank eVibes: Best Rebate Card for Students

  • Market-leading 1% flat rebate for students
  • Promotions: Receive Adidas wristwatch (worth S$120) on 1st charge, during 1st month
  • Read Our Full Review
  • Annual fee: S$20.0, waived with card use at least 1x/3mo
  • 1% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Access to Maybank TREATS discounts
Maybank eVibes Card is the best rebate card on the market for students, offering a market-leading 1% cashback on all spend. In fact, this rate is 4x higher than most competitor cards’ and there are no merchant restrictions, unlike the closest alternative. Cardholders do not need to worry about minimum spend requirements and the S$5.0 quarterly service fee is waived simply with card use. This makes Maybank eVibes Card extremely easy to use and maintenance-free–perfect for students just starting out with their first credit card.
  • Stand-Out: Market-leading 1% flat rebate for students
  • Promotions: Receive Adidas wristwatch (worth S$120) on 1st charge, during 1st month
  • Read Our Full Review
  • Annual fee: S$20.0, waived with card use at least 1x/3mo
  • 1% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Access to Maybank TREATS discounts
Maybank eVibes Card is the best rebate card on the market for students, offering a market-leading 1% cashback on all spend. In fact, this rate is 4x higher than most competitor cards’ and there are no merchant restrictions, unlike the closest alternative. Cardholders do not need to worry about minimum spend requirements and the S$5.0 quarterly service fee is waived simply with card use. This makes Maybank eVibes Card extremely easy to use and maintenance-free–perfect for students just starting out with their first credit card.

Learn More About Maximising Your Rewards with Maybank


If you frequently travel, you may default to looking for a miles-earning credit card when seeking to earn rewards. This definitely makes sense for some. Miles cards typically offer boosted rates for overseas purchases (in other words, transactions made in foreign currency) as well as travel perks like airport lounge access, free travel insurance and more. In most cases, there's no minimum spend requirement and no earnings caps. However, annual fees tend to be higher and waivers are rare. Nonetheless, miles-earning cards typically provide the rewards rates and convenience that support the lifestyle of frequent travellers.

However, it's important to think about the value-to-consumer of miles rewards. If you redeem 1 mile for an economy class air ticket, its value is approximately equal to S$0.01. Given this redemption value, earning 1 mile per S$1 spend is about the same as earning 1% cashback (2 miles per S$1 is about equal to 2% cashback, and so on). Many miles-earning credit cards offer 1.2 miles per S$1 local spend and 2 miles overseas as a standard, which translates to about 1.2% and 2% cashback, respectively. These rates are notably lower than those provided by many cashback cards, which offer up to 10% rebates on select local and overseas purchases.

Graph showing the average redemption value of 1 air mile by ticket class and trip length

A miles-earning credit card often makes more sense for people who have larger budgets and are more likely to book longer flights or higher ticket classes. For example, if you redeem 1 mile for a first class ticket, its value is equal to about S$0.08. Higher spending travellers are also more likely to benefit from the lack of rewards caps, and would have an easier time meeting any spend requirements needed to unlock luxury perks. While miles cards' rates may be lower when compared to cashback alternatives, the convenience they offer may provide greater value to affluent travellers.

Overall, average spenders may actually benefit more from cashback cards, even if they tend to travel reasonably often. People who put a higher premium on travel perks and have large, overseas budgets may prefer miles-earning cards, however.

Maybank Horizon Card v. HSBC Revolution Card

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Annual Fee:S$160.5
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Read Our Full Review
HSBC Revolution Card is a great option if you’re miles-seeking, social spender that often shops online. Cardholders earn 2 miles per S$1 on local dining, entertainment and online spend–including transit and bill payments, which are typically excluded from rewards programs. Overseas and general spend, however, earn just 0.4 miles per S$1. There are no minimum spend requirements, no earnings caps, and the S$160.5 annual fee is waived with just S$12,500 annual spend.


Maybank Horizon Card offers higher rates for both local and overseas spend, and also comes with a fee-waiver. However, it does not reward entertainment or online purchases. If you’re looking for rewards in these categories, you’re better off with HSBC Revolution Card.

Maybank Family & Friends Card v. OCBC 365 Card

  • Up to 6% rebate on dining, groceries, transport & more
  • Annual Fee:S$192.6
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Read Our Full Review
OCBC 365 Card is the best no-fee rebate card for daily essentials on the market. Cardholders earn up to 6% cashback on dining and 3% on groceries, transport, online travel & recurring bills. There’s an S$800 minimum spend requirement to access these rates, but cardholders can earn up to S$80/month, and avoid paying an annual fee with just S$10,000 annual spend. Cardholders don’t need to worry about merchant restrictions, and rates apply worldwide.


Maybank Family & Friends Card offers higher rates in similar categories, after as little as S$500 spend. However, rewards are limited to specific merchants, and only apply in Singapore & Malaysia. If you frequently spend in these countries, you may prefer Maybank F&F Card, but if you’re a broader spender and want to earn cashback no matter where you spend, OCBC 365 Card may be the better option.

Maybank FC Barcelona Card v. Standard Chartered Unlimited Cashback

  • 1.5% unlimited cashback w/ no min. spend requirement
  • Annual Fee:S$192.6
  • Promotions: New cardholders will receive S$160 cash via PayNow
  • Read Our Full Review
Standard Chartered Unlimited Cashback Card is an excellent choice for high spenders as it offers 1.5% rebate on all spend, locally and overseas, with no cap on earnings. Cardholders also enjoy transport perks–the card is SimplyGo functional and offers up to 21% fuel savings with Caltex. There is a S$192.6 fee, waived 2 years.


Maybank FC Barcelona Card, on the other hand, offers a higher unlimited local rate (1.6%) but a lower overseas rate (equivalent of 0.8%). While there aren’t transport perks, there are travel perks like free travel insurance. Finally, Maybank FC Barcelona Card stands out for offering a fee-waiver. If you’re a high spender with a local budget, you’ll likely benefit from Maybank FC Barcelona Card; if you often spend overseas or want special transport benefits, you may be better off with SC Unlimited Cashback Card.

Maybank FC Barcelona Card v. CIMB Visa Infinite Card

  • Unltd. travel & overseas cashback plus lounge & waived green fees
  • Annual Fee:S$0.0
  • Promotions: Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers)
  • Read Our Full Review
CIMB Visa Infinite Card is the best unlimited cashback card for travellers. Cardholders earn 1% flat rebate on general spend and 2% on travel and overseas expenses after a S$2,000 minimum. There are no earning caps, making CIMB Visa Infinite Card perfect for high spenders. In addition, cardholders enjoy perks typically associated with miles-earning cards, like free travel insurance and 3 free lounge visits/year. Finally, CIMB Visa Infinite Card is the only unlimited card that’s free forever–no waivers involved.


Maybank FC Barcelona Card is at the opposite side of the spectrum. Cardholders are rewarded for local spend, but receive far lower rates overseas. While cardholders can also avoid paying an annual fee, they must earn a waiver by hitting S$10,000 annual spend to do so. Overall, if you’re a local high spender, Maybank FC Barcelona Card will better maximise your rewards, but if you frequently travel, you’re better off with CIMB Visa Infinite Card.

Maybank Platinum Visa Card v. UOB One Card

  • Up to 5% rebate on all spend, S$300/quarter
  • Annual Fee:S$192.6
  • Promotions: New and existing cardholders will get S$20 cash upon approval
  • Read Our Full Review
If you consistently spend S$2,000/month, you’ll earn the highest flat rebate on the market with UOB One Card. At this spend level, cardholders earn 5% cashback on all spend, up to S$300/quarter. Lower spenders earn 3.33% rebates up to S$50 or S$100/quarter, depending on their minimum spend. UOB One Card is so great because rebates apply to all transactions, including bill-pay. Cardholders are able to consolidate all their expenses onto one card, making it easy to reach the S$2,000 minimum required for the highest rebate tier. There is a S$192.6 fee, but it’s waived the 1st year.


Maybank Platinum Visa Card also offers a tiered rebate system, but it’s far more accessible for lower spenders. Spending just S$300 earns a 3.33% rebate–at this level, cardholders wouldn’t earn at all with UOB One Card. Also, Maybank Platinum Visa Card comes with an easy fee-waiver. Overall, UOB One Card is a great option for average spenders, but Maybank Platinum Visa Card is far better for low spenders.

Maybank World MasterCard v. CIMB World MasterCard

  • Unlimited 1.5% rebate, boosted for leisure spend
  • Annual Fee:S$0.0
  • Promotions: Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers)
  • Read Our Full Review
CIMB World MasterCard is the best cashback card on the market for golfers. Cardholders enjoy complimentary green fees at 40 fairways across 7 countries in SE Asia. In addition, cardholders earn an unlimited 1.5% rebate, while leisure spend earns 2% (wine & dine, entertainment, recreation, automobile, and spend at duty-free stores). There’s never a fee, so high spending golfers can enjoy top perks and unlimited earning potential without worrying about extra costs.


Ultimately, CIMB World MasterCard is an exceptional option for affluent golfers seeking cashback. Those who prefer earning miles and who want access to a wider range of fairways worldwide, however, may prefer Maybank World MasterCard.

Maybank Horizon v. HSBC Revolution
HSBC Revolution Card is a great option if you’re miles-seeking, social spender that often shops online. Cardholders earn 2 miles per S$1 on local dining, entertainment and online spend–including transit and bill payments, which are typically excluded from rewards programs. Overseas and general spend, however, earn just 0.4 miles per S$1. There are no minimum spend requirements, no earnings caps, and the S$160.5 annual fee is waived with just S$12,500 annual spend.


Maybank Horizon Card offers higher rates for both local and overseas spend, and also comes with a fee-waiver. However, it does not reward entertainment or online purchases. If you’re looking for rewards in these categories, you’re better off with HSBC Revolution Card.

Maybank Family & Friends v. OCBC 365
OCBC 365 Card is the best no-fee rebate card for daily essentials on the market. Cardholders earn up to 6% cashback on dining and 3% on groceries, transport, online travel & recurring bills. There’s an S$800 minimum spend requirement to access these rates, but cardholders can earn up to S$80/month, and avoid paying an annual fee with just S$10,000 annual spend. Cardholders don’t need to worry about merchant restrictions, and rates apply worldwide.


Maybank Family & Friends Card offers higher rates in similar categories, after as little as S$500 spend. However, rewards are limited to specific merchants, and only apply in Singapore & Malaysia. If you frequently spend in these countries, you may prefer Maybank F&F Card, but if you’re a broader spender and want to earn cashback no matter where you spend, OCBC 365 Card may be the better option.

Maybank FC Barcelona v. SC Unlimited Cashback
Standard Chartered Unlimited Cashback Card is an excellent choice for high spenders as it offers 1.5% rebate on all spend, locally and overseas, with no cap on earnings. Cardholders also enjoy transport perks–the card is SimplyGo functional and offers up to 21% fuel savings with Caltex. There is a S$192.6 fee, waived 2 years.


Maybank FC Barcelona Card, on the other hand, offers a higher unlimited local rate (1.6%) but a lower overseas rate (equivalent of 0.8%). While there aren’t transport perks, there are travel perks like free travel insurance. Finally, Maybank FC Barcelona Card stands out for offering a fee-waiver. If you’re a high spender with a local budget, you’ll likely benefit from Maybank FC Barcelona Card; if you often spend overseas or want special transport benefits, you may be better off with SC Unlimited Cashback Card.

Maybank FC Barcelona v. CIMB Visa Infinite
CIMB Visa Infinite Card is the best unlimited cashback card for travellers. Cardholders earn 1% flat rebate on general spend and 2% on travel and overseas expenses after a S$2,000 minimum. There are no earning caps, making CIMB Visa Infinite Card perfect for high spenders. In addition, cardholders enjoy perks typically associated with miles-earning cards, like free travel insurance and 3 free lounge visits/year. Finally, CIMB Visa Infinite Card is the only unlimited card that’s free forever–no waivers involved.


Maybank FC Barcelona Card is at the opposite side of the spectrum. Cardholders are rewarded for local spend, but receive far lower rates overseas. While cardholders can also avoid paying an annual fee, they must earn a waiver by hitting S$10,000 annual spend to do so. Overall, if you’re a local high spender, Maybank FC Barcelona Card will better maximise your rewards, but if you frequently travel, you’re better off with CIMB Visa Infinite Card.

Maybank Platinum Visa v. UOB One
If you consistently spend S$2,000/month, you’ll earn the highest flat rebate on the market with UOB One Card. At this spend level, cardholders earn 5% cashback on all spend, up to S$300/quarter. Lower spenders earn 3.33% rebates up to S$50 or S$100/quarter, depending on their minimum spend. UOB One Card is so great because rebates apply to all transactions, including bill-pay. Cardholders are able to consolidate all their expenses onto one card, making it easy to reach the S$2,000 minimum required for the highest rebate tier. There is a S$192.6 fee, but it’s waived the 1st year.


Maybank Platinum Visa Card also offers a tiered rebate system, but it’s far more accessible for lower spenders. Spending just S$300 earns a 3.33% rebate–at this level, cardholders wouldn’t earn at all with UOB One Card. Also, Maybank Platinum Visa Card comes with an easy fee-waiver. Overall, UOB One Card is a great option for average spenders, but Maybank Platinum Visa Card is far better for low spenders.

Maybank World v. CIMB World
CIMB World MasterCard is the best cashback card on the market for golfers. Cardholders enjoy complimentary green fees at 40 fairways across 7 countries in SE Asia. In addition, cardholders earn an unlimited 1.5% rebate, while leisure spend earns 2% (wine & dine, entertainment, recreation, automobile, and spend at duty-free stores). There’s never a fee, so high spending golfers can enjoy top perks and unlimited earning potential without worrying about extra costs. Ultimately, CIMB World MasterCard is an exceptional option for affluent golfers seeking cashback. Those who prefer earning miles and who want broader access to fairways worldwide may prefer Maybank World MasterCard.


If you're also interested in opening a savings account, pairing a Maybank credit card with the Maybank SaveUp Savings Account can help to boost your interest rate to up to 3.00% p.a.–far above the market average in Singapore. Account holders earn a base rate according to the size of their deposit, and can boost this rate by engaging with Maybank products (loans, insurance, investment, credit cards, and more). Salary crediting also counts as a qualifying "product," making it even easier to build towards a higher rate.

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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