Best No-Fee Credit Cards 2020

Credit cards with no annual fee, or those offering an easy fee waiver, provide a low-maintenance option that allows consumers to enjoy rewards and perks with little risk. Not all no-fee cards are created equal, however. We've reviewed every no fee credit card in Singapore to identify those with the most competitive rates, ensuring you'll maximise rewards as well as save money.

Best No Fee Miles Cards
Best No Fee Cashback Cards
Best No Fee Cards for Lower Spenders
Best No Fee Cards for High Spenders
Best No Fee Cards for Online & Shopping
Best No Fee Cards for Golf & Leisure

Compare the Best No Fee Credit Cards in Singapore by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best no fee 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 no annual fee credit cards compare to one another in terms of their rewards
Best No Annual Fee Credit Cards in Singapore by Estimated 2-Year Dollar Value
Best No Fee Miles Cards Best No Fee Cashback Cards Best No Fee Cards for Lower Spenders Best No Fee Cards for High Spenders Best No Fee Cards for Online & Shopping Best No Fee Cards for Golf & Leisure

Compare Best No Fee 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 no annual fee credit cards compare to one another in terms of their rewards
Best No Annual Fee Credit Cards in Singapore by Estimated 2-Year Dollar Value

About No-Fee Credit Cards & How We Selected the Best Options

When choosing your perfect credit card, it's important to consider several factors, such as how well the advertised rewards rates fit your spending lifestyle, whether you can consistently meet minimum spend requirements, and how likely you are to max out any monthly earnings caps. One of the most significant factors, however, is whether or not a credit card charges an annual fee–and if so, how much it costs and whether there's a waiver.

Annual credit card fees matter because in some cases, they can outweigh your annual earnings in terms of rewards. The no-fee credit cards reviewed below either never charge an annual fee, or offer achievable waivers (such as waiving a fee for S$10k annual spend). These cards therefore require far less maintenance, and will allow you to earn easily on your daily spend.

Best No Fee Credit Cards for Air Miles

While many travel cards are expensive, the following offer affordable perks as well as great rewards rates.

Maybank Horizon Visa Signature: Best Miles Card for Local Budgets

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card is an excellent way for primarily local spenders to earn miles at home at top rates, but then also earn on vacation bookings and spend abroad. Cardholders earn 3.2 miles per S$1 spend on local dining, petrol, taxis & Grab, and hotel bookings with Agoda–this rate is higher than that offered by even the priciest travel cards. In addition, cardholders earn 2 miles per S$1 spend on air tickets, travel packages and foreign currency transactions, which aligns with the overseas rates of other travel cards. While earnings are limited by category, local food & transportation account for nearly have of the average budget, so most consumers can easily earn with this card.


Another way in which Maybank Horizon Card stands out is that its S$180 fee is waived for a full 3 years, and subsequently, with just S$18,000 annual spend. This means cardholders can focus on earning rather than extra costs. Ultimately, locally-based consumers looking for easy miles might find Maybank Horizon Card to be an excellent maintenance-free option.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
Maybank Horizon Visa Signature Card is an excellent way for primarily local spenders to earn miles at home at top rates, but then also earn on vacation bookings and spend abroad. Cardholders earn 3.2 miles per S$1 spend on local dining, petrol, taxis & Grab, and hotel bookings with Agoda–this rate is higher than that offered by even the priciest travel cards. In addition, cardholders earn 2 miles per S$1 spend on air tickets, travel packages and foreign currency transactions, which aligns with the overseas rates of other travel cards. While earnings are limited by category, local food & transportation account for nearly have of the average budget, so most consumers can easily earn with this card.


Another way in which Maybank Horizon Card stands out is that its S$180 fee is waived for a full 3 years, and subsequently, with just S$18,000 annual spend. This means cardholders can focus on earning rather than extra costs. Ultimately, locally-based consumers looking for easy miles might find Maybank Horizon Card to be an excellent maintenance-free option.

DBS Altitude Visa: Best Miles Card with Affordable Perks

  • Free lounge access & golf privileges, waivable fee
  • Promotions: Apply online & receive up to 38,000 welcome miles
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
DBS Altitude Visa Card stands out by offering more travel perks than any other miles card with a fee-waiver. Cardholders earn respectable rewards rates at 1.2 miles per S$1 local spend, 2 miles overseas, 3 miles on online travel bookings. However, unlike other comparable cards, DBS Altitude Card offers free travel insurance, 2 lounge visits/year, golfing privileges throughout SE Asia, dining privileges with Visa Foodie Trail & more. In fact, these perks are more extensive than some travel cards with S$250+ fees.


To receive a fee-waiver, cardholders need to spend S$25,000 annually, so DBS Altitude Card is best for average spenders (especially those who frequently travel). If you want to avoid the high fees of pricier travel cards, but still want to enjoy luxury perks, DBS Altitude Card is perfect for you.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: Apply online & receive up to 38,000 welcome miles
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
DBS Altitude Visa Card stands out by offering more travel perks than any other miles card with a fee-waiver. Cardholders earn respectable rewards rates at 1.2 miles per S$1 local spend, 2 miles overseas, 3 miles on online travel bookings. However, unlike other comparable cards, DBS Altitude Card offers free travel insurance, 2 lounge visits/year, golfing privileges throughout SE Asia, dining privileges with Visa Foodie Trail & more. In fact, these perks are more extensive than some travel cards with S$250+ fees.


To receive a fee-waiver, cardholders need to spend S$25,000 annually, so DBS Altitude Card is best for average spenders (especially those who frequently travel). If you want to avoid the high fees of pricier travel cards, but still want to enjoy luxury perks, DBS Altitude Card is perfect for you.

UOB PRVI Miles American Express Card: Best for Rapid Miles

  • Up to 20,000 bonus renewal miles & fee waiver
  • Promotions: Earn 10k welcome miles w/ S$6k spend in 1st 3mo
  • Earn 4.4mi/S$1 on overseas dining, shopping (including online) & accommodation (on up to S$3k spend total)
  • Earn 4.4mi/S$1 on contactless spend on groceries (on up to S$1k spend) and local bus & train rides (on up to S$80 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, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
UOB PRVI Miles American Express Card is the only luxury travel card with a fee waiver, allowing above-average spenders to take advantage of high rates, great perks, and even bonus miles without added cost. Cardholders earn 1.4 miles per S$1 locally, 2.4 miles overseas, and 10 miles with major airlines & hotels–rates equal to (or higher than) most pricey travel cards’. In addition, cardholders receive free travel insurance, free airport transfers and more.


Competitors charge up to S$500+ unwaivable fees for such rates and perks, but UOB PRVI Miles Cardholders receive a fee-waiver with just S$50,000 annual spend. At this spend level, cardholders even receive an extra 20,000 bonus miles, worth about S$200. If you’re able to hit this spend level and want to rapidly accrue miles, there is no better alternative than UOB PRVI Miles Card.

  • Stand-Out: Up to 20,000 bonus renewal miles & fee waiver
  • Promotions: Earn 10k welcome miles w/ S$6k spend in 1st 3mo
  • Earn 4.4mi/S$1 on overseas dining, shopping (including online) & accommodation (on up to S$3k spend total)
  • Earn 4.4mi/S$1 on contactless spend on groceries (on up to S$1k spend) and local bus & train rides (on up to S$80 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, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
UOB PRVI Miles American Express Card is the only luxury travel card with a fee waiver, allowing above-average spenders to take advantage of high rates, great perks, and even bonus miles without added cost. Cardholders earn 1.4 miles per S$1 locally, 2.4 miles overseas, and 10 miles with major airlines & hotels–rates equal to (or higher than) most pricey travel cards’. In addition, cardholders receive free travel insurance, free airport transfers and more.


Competitors charge up to S$500+ unwaivable fees for such rates and perks, but UOB PRVI Miles Cardholders receive a fee-waiver with just S$50,000 annual spend. At this spend level, cardholders even receive an extra 20,000 bonus miles, worth about S$200. If you’re able to hit this spend level and want to rapidly accrue miles, there is no better alternative than UOB PRVI Miles Card.

Best No Fee Credit Cards for Cashback

If you want to earn rebates on daily essentials without worrying about paying extra for your credit card, consider these options.

OCBC 365 Card: Best No Fee Cashback Overall

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Earn S$50 rebate w/ card approval
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
If you want a no-fee everyday card that rewards your essential spend, OCBC 365 Card is absolutely the best option on the market. Not only is there a fee waiver with just S$10,000 annual spend, there also aren’t any merchant restrictions–two benefits you won’t find with OCBC 365 Card’s key competitor. Cardholders earn 6% on dining & online food delivery and 3% on groceries, land transport (including Grab), online travel bookings, and even recurring electricity & telco bills–compared to the competitor’s 1% rebate on bills, capped at S$1/month.


In order to access these rates, cardholders must spend S$800/month, which is aligned with market norms. Cardholders can also earn up to S$80/month, which is fairly high. Ultimately, if you’re buying essentials for your family or simply want no-fee rewards for your daily spend, OCBC 365 is the only option with both a waiver and no merchant restrictions, and it’s high rates will quickly maximise your earnings.

  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Earn S$50 rebate w/ card approval
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
If you want a no-fee everyday card that rewards your essential spend, OCBC 365 Card is absolutely the best option on the market. Not only is there a fee waiver with just S$10,000 annual spend, there also aren’t any merchant restrictions–two benefits you won’t find with OCBC 365 Card’s key competitor. Cardholders earn 6% on dining & online food delivery and 3% on groceries, land transport (including Grab), online travel bookings, and even recurring electricity & telco bills–compared to the competitor’s 1% rebate on bills, capped at S$1/month.


In order to access these rates, cardholders must spend S$800/month, which is aligned with market norms. Cardholders can also earn up to S$80/month, which is fairly high. Ultimately, if you’re buying essentials for your family or simply want no-fee rewards for your daily spend, OCBC 365 is the only option with both a waiver and no merchant restrictions, and it’s high rates will quickly maximise your earnings.

Maybank Family & Friends MasterCard: Top Cashback in SG & MY

  • Best for Rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card stands out as an extraordinary option for everyday local spenders, offering accessible cashback rates for people with both average and lower budgets. Cardholders earn 5% rebate in key categories like groceries, dining, transport, petrol, data communications/online TV streaming & more–all after just S$500 minimum spend. Consumers who spend at least S$800/month earn 8% cashback, with rewards capped at a competitive S$80/month. Nonetheless, cardholders should consider that only spend in Singapore and Malaysia is rewards eligible; overseas transactions earn at a base rate of just 0.3%.


Nonetheless, MB F&F Card proves especially accessible by waiving its S$180.0 fee for 3 years, and thereafter with S$12,000 annual spend. Consumers who meet this criteria (S$1,000/month) would also be poised to max out rewards, potentially earning up to S$960 cashback/year. Ultimately, MB F&F Card is perhaps the best rebate option on the market for local spenders.

  • Stand-Out: Rebates of up to 8% in SG & MY w/ just S$500–800 spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
Maybank Family & Friends Card stands out as an extraordinary option for everyday local spenders, offering accessible cashback rates for people with both average and lower budgets. Cardholders earn 5% rebate in key categories like groceries, dining, transport, petrol, data communications/online TV streaming & more–all after just S$500 minimum spend. Consumers who spend at least S$800/month earn 8% cashback, with rewards capped at a competitive S$80/month. Nonetheless, cardholders should consider that only spend in Singapore and Malaysia is rewards eligible; overseas transactions earn at a base rate of just 0.3%.


Nonetheless, MB F&F Card proves especially accessible by waiving its S$180.0 fee for 3 years, and thereafter with S$12,000 annual spend. Consumers who meet this criteria (S$1,000/month) would also be poised to max out rewards, potentially earning up to S$960 cashback/year. Ultimately, MB F&F Card is perhaps the best rebate option on the market for local spenders.

Best No Fee Credit Cards for Lower Spenders

These cards offer low minimum spend requirements, respectable rates, and easy fee-waivers.

OCBC Frank Card: Best for Young Online Shoppers

  • Up to 6% rebate online after just S$400 offline spend
  • Promotions: Earn S$50 rebate w/ card approval
  • 1 Free Night at M Social Singapore w/ S$400 spend in 1st mo
  • 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
Young adults with lower monthly spend are mostly likely to maximise their cashback with OCBC Frank Card. Unlike its competitor card (which has a S$600 minimum requirement), OCBC Frank allows cardholders to access its higher rates after just S$400 offline spend. Consumers earn 6% rebate on online spend, 5% on weekend entertainment and at select cafes (3% on weekdays), and 3% on NETS FlashPay Auto Top-Ups, up to a respectable S$60/month.


OCBC Frank Card also stands apart from its closest competitor by offering a fee-waiver. With just S$10,000 annual spend, cardholders are exempt from the S$80 fee, which itself is fairly low. If you’re looking for a card that rewards online shopping and entertainment without a lofty spend requirement, OCBC Frank Card is the best and most affordable option.

  • Stand-Out: Up to 6% rebate online after just S$400 offline spend
  • Promotions: Earn S$50 rebate w/ card approval
  • 1 Free Night at M Social Singapore w/ S$400 spend in 1st mo
  • 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
Young adults with lower monthly spend are mostly likely to maximise their cashback with OCBC Frank Card. Unlike its competitor card (which has a S$600 minimum requirement), OCBC Frank allows cardholders to access its higher rates after just S$400 offline spend. Consumers earn 6% rebate on online spend, 5% on weekend entertainment and at select cafes (3% on weekdays), and 3% on NETS FlashPay Auto Top-Ups, up to a respectable S$60/month.


OCBC Frank Card also stands apart from its closest competitor by offering a fee-waiver. With just S$10,000 annual spend, cardholders are exempt from the S$80 fee, which itself is fairly low. If you’re looking for a card that rewards online shopping and entertainment without a lofty spend requirement, OCBC Frank Card is the best and most affordable option.

Maybank Platinum Visa: Best for Low Local Budgets

  • Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • 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 (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
  • Free travel insurance
If you’re looking for cashback after just S$300 local spend–maybe for a lower budget, or as a complement to a travel card–Maybank Platinum Visa Card is the only rebate card that can truly maximise your earnings while also waiving its fee. Almost all cashback cards require minimums of S$400+ (at the very least) to earn rewards beyond the base rate (usually 0.3%). With Maybank Platinum Visa Card, you can earn S$30/quarter after just S$300 local monthly spend, equal to S$1,200/year. Compare this to S$3.6/year, earned for the same spend but at the base rate.


Cardholders can also earn S$100/quarter with S$1,000/month spend, but at this spend level, alternative cards are more competitive. In addition, foreign currency transactions earn just 0.3% rebate, so this card is definitely for local spenders. However, Maybank Platinum Visa Card is ultimately the best option for low spenders because it even has a fee waiver–3 years, then with card use (at least 1x/quarter). Maybank Platinum Visa Card is the only card that offers such high rates after such a low minimum, with no annual fee.

  • Stand-Out: Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • 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 (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
  • Free travel insurance
If you’re looking for cashback after just S$300 local spend–maybe for a lower budget, or as a complement to a travel card–Maybank Platinum Visa Card is the only rebate card that can truly maximise your earnings while also waiving its fee. Almost all cashback cards require minimums of S$400+ (at the very least) to earn rewards beyond the base rate (usually 0.3%). With Maybank Platinum Visa Card, you can earn S$30/quarter after just S$300 local monthly spend, equal to S$1,200/year. Compare this to S$3.6/year, earned for the same spend but at the base rate.


Cardholders can also earn S$100/quarter with S$1,000/month spend, but at this spend level, alternative cards are more competitive. In addition, foreign currency transactions earn just 0.3% rebate, so this card is definitely for local spenders. However, Maybank Platinum Visa Card is ultimately the best option for low spenders because it even has a fee waiver–3 years, then with card use (at least 1x/quarter). Maybank Platinum Visa Card is the only card that offers such high rates after such a low minimum, with no annual fee.

Best No Fee Credit Cards for High Spenders

High spenders shouldn’t have to pay high annual fees. The following cards offer unlimited & maintenance-free earning potential, without the hassle of added cost.

HSBC Advance Card: Best Flat Rebate for HSBC Customers

  • Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
If you’re open to having an HSBC Advance banking account and spend S$3,500/month, HSBC Advance Card is the best option to maximise cashback on all of your spend. As an Advance customer, you earn 3.5% flat cashback after S$2,000 spend (2.5% if below), up to S$125/month. This is the highest earning potential on the market for capped cashback cards. Additionally, the annual fee is waived for Advance customers, making the card completely maintenance-free.


Non-Advance customers receive less competitive rates–2.5% flat cashback with S$2,000 spend (1.5% if below), up to S$70/month–and are also charged a S$192.6 fee. For this reason, we’d definitely recommend checking to see if you’d qualify for an HSBC Advance account. If you do, HSBC Advance Card is the best option for maximising cashback on above-average spend.

  • Stand-Out: Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
If you’re open to having an HSBC Advance banking account and spend S$3,500/month, HSBC Advance Card is the best option to maximise cashback on all of your spend. As an Advance customer, you earn 3.5% flat cashback after S$2,000 spend (2.5% if below), up to S$125/month. This is the highest earning potential on the market for capped cashback cards. Additionally, the annual fee is waived for Advance customers, making the card completely maintenance-free.


Non-Advance customers receive less competitive rates–2.5% flat cashback with S$2,000 spend (1.5% if below), up to S$70/month–and are also charged a S$192.6 fee. For this reason, we’d definitely recommend checking to see if you’d qualify for an HSBC Advance account. If you do, HSBC Advance Card is the best option for maximising cashback on above-average spend.

Maybank FC Barcelona Visa Signature: Unlimited Cashback for Local Spenders

  • 1.6% unltd local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
If you’re an affluent, local spender seeking unlimited cashback, Maybank FC Barcelona Visa Signature Card is the top option on the market. All local spend earns 1.6% cashback–higher than the market standard of 1.5%. With a higher rate and no rebate cap, cardholders can earn more quickly while still enjoying unlimited rewards potential. Foreign currency transactions earn just 2 pts per S$1 (equal to 0.8 miles, or about 0.8% cashback), so this card is best for local spenders.


Maybank FC Barcelona Card also has an easy fee-waiver. Cardholders are exempt from the S$120 fee with just S$10,000 annual spend. Additional benefits include discounts of up to 10% on FC Barcelona official stores. Ultimately, high-spenders with predominantly local budgets can quickly earn unlimited cashback with Maybank FC Barcelona Card, while also avoiding annual fees.

  • Stand-Out: 1.6% unlimited local cashback, fee waiver w/ S$10k annual spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$120.0, waived with S$10,000 annual spend
  • Unlimited 1.6% rebate on local spend
  • 2 Pts (0.8 miles) per S$1 on foreign currency transactions
  • Up to 10% discount at FC Barcelona official stores
  • Free travel insurance
If you’re an affluent, local spender seeking unlimited cashback, Maybank FC Barcelona Visa Signature Card is the top option on the market. All local spend earns 1.6% cashback–higher than the market standard of 1.5%. With a higher rate and no rebate cap, cardholders can earn more quickly while still enjoying unlimited rewards potential. Foreign currency transactions earn just 2 pts per S$1 (equal to 0.8 miles, or about 0.8% cashback), so this card is best for local spenders.


Maybank FC Barcelona Card also has an easy fee-waiver. Cardholders are exempt from the S$120 fee with just S$10,000 annual spend. Additional benefits include discounts of up to 10% on FC Barcelona official stores. Ultimately, high-spenders with predominantly local budgets can quickly earn unlimited cashback with Maybank FC Barcelona Card, while also avoiding annual fees.

CIMB Visa Infinite Card: Unlimited Cashback for Travellers

CIMB Visa Infinite Card
CIMB Visa Infinite Card
  • Unlimited travel & overseas cashback plus luxury perks
  • Promotions: Earn S$150 cash credit w/ S$1,200 min spend in 1st 3 mo + application for supplementary card
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses & 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
If you’re an affluent traveller interested in earning cashback (rather than miles), CIMB Visa Infinite Card is an excellent, no-fee way to earn on all spend. Cardholders earn 1% unlimited cashback on all spend, bumped to 2% for travel expenses (hotels, airlines, travel agencies & more) after a S$2,000 minimum threshold. Competitor cards offer 1.5% flat cashback, so frequent travellers are far more likely to benefit from CIMB Visa Infinite Card. Most competitors also charge S$170+ fees, while CIMB Visa Infinite Card is free forever.


Another reason CIMB Visa Infinite Card stands out is that it offers travel perks rarely found with cashback cards. Cardholders receive free travel insurance, lounge access, discounted limo transfers and more, which pairs nicely with the great rewards rates for travel spend. Ultimately, if you spend a great deal on travel and would like to avoid both rewards caps and annual fees, CIMB Visa Infinite is the best option for you.

CIMB Visa Infinite Card
CIMB Visa Infinite Card
  • Stand-Out: Unlimited travel & overseas cashback plus luxury perks
  • Promotions: Earn S$150 cash credit w/ S$1,200 min spend in 1st 3 mo + application for supplementary card
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses & 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
If you’re an affluent traveller interested in earning cashback (rather than miles), CIMB Visa Infinite Card is an excellent, no-fee way to earn on all spend. Cardholders earn 1% unlimited cashback on all spend, bumped to 2% for travel expenses (hotels, airlines, travel agencies & more) after a S$2,000 minimum threshold. Competitor cards offer 1.5% flat cashback, so frequent travellers are far more likely to benefit from CIMB Visa Infinite Card. Most competitors also charge S$170+ fees, while CIMB Visa Infinite Card is free forever.


Another reason CIMB Visa Infinite Card stands out is that it offers travel perks rarely found with cashback cards. Cardholders receive free travel insurance, lounge access, discounted limo transfers and more, which pairs nicely with the great rewards rates for travel spend. Ultimately, if you spend a great deal on travel and would like to avoid both rewards caps and annual fees, CIMB Visa Infinite is the best option for you.

Best No Fee Credit Cards for Retail Shoppers

Whether you mostly shop for retail or pay for bills & essentials online, we’ve found a few cards that can maximise rewards without charging an annual fee.

OCBC Titanium Card: Miles for Retail Shoppers

  • Up to 4 mi/S$1 on fashion & select retail
  • Promotions: Earn S$50 rebate w/ card approval
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
If you’re a frequent retail shopper, look no further than OCBC Titanium Rewards Card–the most flexible and comprehensive shopper card on the market, with the added benefits of high rates and an easily waived fee. Cardholders earn 10 points (4 miles) per S$1 spend on retail, department stores, and electronics–plus on a variety of retail merchants, from Amazon to Qoo10 & more. Consumers can earn rewards locally, overseas, online and offline, with no minimum spend requirement. This flexibility makes it easy for average spenders to quickly achieve the 4,000 miles/month earnings cap.


Cardholders can also avoid the S$192.6 fee with just S$10,000 annual spend. Competitor cards do not offer a fee-waiver, so OCBC Titanium Card is the best option for shoppers looking for flexibility paired with no annual fees.

  • Stand-Out: Up to 4 mi/S$1 on fashion & select retail
  • Promotions: Earn S$50 rebate w/ card approval
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
If you’re a frequent retail shopper, look no further than OCBC Titanium Rewards Card–the most flexible and comprehensive shopper card on the market, with the added benefits of high rates and an easily waived fee. Cardholders earn 10 points (4 miles) per S$1 spend on retail, department stores, and electronics–plus on a variety of retail merchants, from Amazon to Qoo10 & more. Consumers can earn rewards locally, overseas, online and offline, with no minimum spend requirement. This flexibility makes it easy for average spenders to quickly achieve the 4,000 miles/month earnings cap.


Cardholders can also avoid the S$192.6 fee with just S$10,000 annual spend. Competitor cards do not offer a fee-waiver, so OCBC Titanium Card is the best option for shoppers looking for flexibility paired with no annual fees.

HSBC Revolution: Miles for Online & Social Spenders

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$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
HSBC Revolution Card is one of the best miles-earning cards for social spenders who tend to make many purchases online. Cardholders earn 2 miles per S$1 spend on local dining & entertainment, and have access to a myriad of regional deals and discounts. More uniquely, cardholders also earn this rewards rate for online spend, including on travel bookings, transit payments, and recurring bills. These expenses are almost always excluded from earning rewards by other cards. There are no minimum spend requirements and earnings are unlimited, making HSBC Revolution Card a great match for many budgets. And, if that wasn’t enough, the S$160.5 fee is waived with S$12,500 annual spend. HSBC Revolution Card is both extremely accessible and a great way for social and online spenders to maximise rewards from their monthly budget.
  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$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
HSBC Revolution Card is one of the best miles-earning cards for social spenders who tend to make many purchases online. Cardholders earn 2 miles per S$1 spend on local dining & entertainment, and have access to a myriad of regional deals and discounts. More uniquely, cardholders also earn this rewards rate for online spend, including on travel bookings, transit payments, and recurring bills. These expenses are almost always excluded from earning rewards by other cards. There are no minimum spend requirements and earnings are unlimited, making HSBC Revolution Card a great match for many budgets. And, if that wasn’t enough, the S$160.5 fee is waived with S$12,500 annual spend. HSBC Revolution Card is both extremely accessible and a great way for social and online spenders to maximise rewards from their monthly budget.

DBS Woman's World: Shopper Card with 0% Interest Instal Plan

  • Up to 4 miles/S$1 spend on online shopping
  • Promotions: Receive S$120 rebate w/ online application & S$800 spend in 1st 60 days
  • 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
DBS Woman’s World Card is a great option for average spenders seeking rewards for online shopping. Cardholders earn 4 miles per S$1 spend in this category, up to 8,000 miles/month (about S$80 value-to-consumer). In addition, cardholders can split payments for their larger purchases into instalments across up to 12 months, with 0% interest and no processing fee. While general spend earns just 0.4 miles per S$1 locally, 1.2 miles overseas, frequent online shoppers who spend at least S$25,000 annually are exempt from the S$192.6 fee. For these shoppers, DBS Woman’s World Card offers easy and accessible rewards without added maintenance or cost.
  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Promotions: Receive S$120 rebate w/ online application & S$800 spend in 1st 60 days
  • 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
DBS Woman’s World Card is a great option for average spenders seeking rewards for online shopping. Cardholders earn 4 miles per S$1 spend in this category, up to 8,000 miles/month (about S$80 value-to-consumer). In addition, cardholders can split payments for their larger purchases into instalments across up to 12 months, with 0% interest and no processing fee. While general spend earns just 0.4 miles per S$1 locally, 1.2 miles overseas, frequent online shoppers who spend at least S$25,000 annually are exempt from the S$192.6 fee. For these shoppers, DBS Woman’s World Card offers easy and accessible rewards without added maintenance or cost.

Best No Fee Credit Cards for Golf & Leisure

The following credit cards offer great leisure perks, despite waiving an annual fee.

Maybank World MasterCard: Best Miles Card for Golfers

  • 2 free green fees/month, access to 120+ global fairways
  • Promotions: Receive free American Tourister Luggage w/ S$400 monthly spend for 2mo
  • 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
With Maybank World MasterCard, golfers can enjoy the most comprehensive golfing privileges on the market and possibly avoid paying an annual fee. Cardholders receive 2 complimentary green fees per month at 120 fairways across 25 countries–triple the amount offered by the top competitor card. Consumers can also earn 10 points (4 miles) per S$1 spend on select dining & retail merchants. Additional perks include free travel insurance and lounge access. Ultimately, cardholders can even avoid the S$240 fee by spending S$24,000/year. While this may seem substantial, spend on supplementary cards adds towards total spend, making it easier to reach this threshold. Maybank World MasterCard is an excellent option for people who prioritise golfing privileges and enjoy luxury shopping.
  • Stand-Out: 2 free green fees/month, access to 120+ global fairways
  • Promotions: Receive free American Tourister Luggage w/ S$400 monthly spend for 2mo
  • 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
With Maybank World MasterCard, golfers can enjoy the most comprehensive golfing privileges on the market and possibly avoid paying an annual fee. Cardholders receive 2 complimentary green fees per month at 120 fairways across 25 countries–triple the amount offered by the top competitor card. Consumers can also earn 10 points (4 miles) per S$1 spend on select dining & retail merchants. Additional perks include free travel insurance and lounge access. Ultimately, cardholders can even avoid the S$240 fee by spending S$24,000/year. While this may seem substantial, spend on supplementary cards adds towards total spend, making it easier to reach this threshold. Maybank World MasterCard is an excellent option for people who prioritise golfing privileges and enjoy luxury shopping.

CIMB World MasterCard: Best Cashback Card for Golfers

CIMB World Mastercard
CIMB World Mastercard
  • Complimentary green fees at 40 fairways in SE Asia
  • Promotions: Earn S$150 cash credit w/ S$1,200 min spend in 1st 3 mo + application for supplementary card
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • Complimentary green fees at 40 fairways in SE Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB World MasterCard is the absolute best card on the market for affluent golfers looking to balance top-notch privileges with unlimited cashback rewards. While competitor cards narrow earning potential with merchant restrictions, CIMB World MasterCard offers unlimited 2% cashback with all vendors across a variety of categories: wine & dine, entertainment, recreation, automobile & parking, petrol, and spend at duty-free stores.


This 2% rate is higher than the flat 1.5% offered by other unlimited cashback cards, and unlike these cards, CIMB World MasterCard is free forever. And, cardholders receive some of the best golfing privileges on the market, including complimentary green fees across 40 fairways in SE Asia. Consumers can play up to 4 flights per course per year, or up to 160 games; competitor cards offer access to more fairways, but flights are limited to 24 per year. Ultimately, CIMB World MasterCard is the best no-fee option to both earn unlimited cashback and enjoy top golfing privileges.

CIMB World Mastercard
CIMB World Mastercard
  • Stand-Out: Complimentary green fees at 40 fairways in SE Asia
  • Promotions: Earn S$150 cash credit w/ S$1,200 min spend in 1st 3 mo + application for supplementary card
  • Read Our Full Review
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • Complimentary green fees at 40 fairways in SE Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB World MasterCard is the absolute best card on the market for affluent golfers looking to balance top-notch privileges with unlimited cashback rewards. While competitor cards narrow earning potential with merchant restrictions, CIMB World MasterCard offers unlimited 2% cashback with all vendors across a variety of categories: wine & dine, entertainment, recreation, automobile & parking, petrol, and spend at duty-free stores.


This 2% rate is higher than the flat 1.5% offered by other unlimited cashback cards, and unlike these cards, CIMB World MasterCard is free forever. And, cardholders receive some of the best golfing privileges on the market, including complimentary green fees across 40 fairways in SE Asia. Consumers can play up to 4 flights per course per year, or up to 160 games; competitor cards offer access to more fairways, but flights are limited to 24 per year. Ultimately, CIMB World MasterCard is the best no-fee option to both earn unlimited cashback and enjoy top golfing privileges.

HSBC Visa Platinum: No Fee Card for Cashback + Miles

  • Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
HSBC Visa Platinum Card is the best card on the market for earning both cashback and miles, especially if you’re looking to avoid an annual fee. Cardholders earn 5% cashback on local dining, groceries and petrol after just S$600 minimum spend. All other spend earns 0.4 miles per S$1, with no minimum spend requirement. While this is on the lower side, it’s worth pointing out that the rebate covers the top spend categories in the average consumer’s budget. In addition, cardholders can earn up to S$83/month (S$250/quarter) which is fairly high.


Another reason HSBC Visa Platinum Card stands out is that cardholders can earn a waiver for the S$192.6 fee with just S$12,500 annual spend. Ultimately, this card is the best option for versatile rewards on core local spending, especially if you spend enough to earn the fee-waiver.

  • Stand-Out: Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
HSBC Visa Platinum Card is the best card on the market for earning both cashback and miles, especially if you’re looking to avoid an annual fee. Cardholders earn 5% cashback on local dining, groceries and petrol after just S$600 minimum spend. All other spend earns 0.4 miles per S$1, with no minimum spend requirement. While this is on the lower side, it’s worth pointing out that the rebate covers the top spend categories in the average consumer’s budget. In addition, cardholders can earn up to S$83/month (S$250/quarter) which is fairly high.


Another reason HSBC Visa Platinum Card stands out is that cardholders can earn a waiver for the S$192.6 fee with just S$12,500 annual spend. Ultimately, this card is the best option for versatile rewards on core local spending, especially if you spend enough to earn the fee-waiver.

CIMB Platinum MasterCard: No Fee Card for Health, Transport & Dining

CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Up to 10% cashback on medical, transport, dining & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard is an especially unique card, combining exceptional rewards for medical expenses, transport, dining & more. Each of these categories–as well as travel spend in foreign currency and electronics/furnishings purchases– earns 10% cashback, up to a cumulative S$100/month. Very few credit cards reward health or home improvement spend, especially at such high rates–making CIMB Platinum MC truly stand-out. Even more, while there's an S$800 minimum spend requirement, there's no annual fee, making CIMB Platinum MC an excellent option for those seeking a low-risk, no-maintenance credit card.
CIMB Platinum Mastercard
CIMB Platinum Mastercard
  • Stand-Out: Up to 10% cashback on medical, transport, dining & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Option Two: 6,400 miles w/ 1st annual fee payment & S$3k spend within 3 months
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard is an especially unique card, combining exceptional rewards for medical expenses, transport, dining & more. Each of these categories–as well as travel spend in foreign currency and electronics/furnishings purchases– earns 10% cashback, up to a cumulative S$100/month. Very few credit cards reward health or home improvement spend, especially at such high rates–making CIMB Platinum MC truly stand-out. Even more, while there's an S$800 minimum spend requirement, there's no annual fee, making CIMB Platinum MC an excellent option for those seeking a low-risk, no-maintenance credit card.

CIMB Visa Signature: Cashback for Online & Beauty Spend

CIMB Visa Signature
CIMB Visa Signature
  • Up to 10% rebates on beauty, online shopping & more
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • 10% rebates on groceries, online shopping, beauty, petcare & cruises
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Visa Signature Card is a great option for grocery-shoppers seeking cashback for discretionary spend. Groceries, online shopping, beauty, petcare, and transactions with cruise lines all earn 10% rebate, up to S$20/category. This adds up to a potential S$100/month–quite respectable given market standards–though accessing these rates requires an S$800 minimum spend. It's also worth mentioning that CIMB Visa Signature is exceptionally low-risk and low-maintenance, as there's no annual fee. This means consumers who only periodically shop these categories can still benefit from the high rebate rates.
CIMB Visa Signature
CIMB Visa Signature
  • Stand-Out: Up to 10% rebates on beauty, online shopping & more*
  • Promotions: Receive free return flight from select destination w/ min. S$600 spend/mo for 3mo
  • Read Our Full Review
  • 10% rebates on groceries, online shopping, beauty, petcare & cruises
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Visa Signature Card is a great option for grocery-shoppers seeking cashback for discretionary spend. Groceries, online shopping, beauty, petcare, and transactions with cruise lines all earn 10% rebate, up to S$20/category. This adds up to a potential S$100/month–quite respectable given market standards–though accessing these rates requires an S$800 minimum spend. It's also worth mentioning that CIMB Visa Signature is exceptionally low-risk and low-maintenance, as there's no annual fee. This means consumers who only periodically shop these categories can still benefit from the high rebate rates.

Learn More About How to Find the Best Credit Card for You

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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