Best Shopping Credit Cards 2019

If you're a frequent shopper, you may benefit from a card with high rewards on retail in-store and online. To help you save on your shopping expenses and even on mobile payments (i.e. Grab rides), our team reviewed 100+ options to come up with the best offline & online shopping credit cards.

Best Credit Cards for Shopping
Best for MilesCiti Rewards4 miles per S$1 on fashion retail & online spend
OCBC Titanium4 miles per S$1 on fashion retail & merchants like Amazon, Qoo10
MB World4 miles per S$1 dining & luxury retail, golfing privileges
Online ShoppingHSBC Revolution2 miles per S$1 online spend (inc. transit, insurance premiums)
SC SingPost Spree3% rebate foreign online & vPost, no min. spend requirement
0% InstalmentsOCBC Cashflo1% flat rebate, including on instalments, w/ no processing fee
High SpendersUnlimited Cards1%–2% unlimited cashback with extra perks
Health & BeautyCIMB Platinum MC10% cashback on travel, transport & beauty, up to S$100/month
Young AdultsUOB YOLOUp to 8% weekend cashback on Grab & entertainment
OCBC Frank6% online, 5% entertainment rebate with just S$400 minimum

Best Shopping Credit Cards for Earning Miles

If you’d like to earn miles for your shopping sprees, you may be interested in the cards below. We’ve selected these credit cards for their versatility and high rewards for retail spend.

Flexible Miles Card for Fashion Retail: 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) with S$3,000 spend
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend

If you love spending online and on fashion, Citi Rewards Card is one of the absolute best cards on the market to maximise miles for your purchases. Cardholders earn 10 points (4 miles) per S$1 on fashion retail such as clothing, bags, shoes & more. You’ll earn regardless of where you spend–online, offline (including department stores), locally and overseas. Even better, online transactions also earn at this high rewards rate, making the card even more versatile. Citi Rewards also comes with unique perks like free travel insurance, which competitor cards lack. While there’s a S$192.6 fee, it’s waived the first year. Overall, Citi Rewards Card is a great option if you’re a frequent fashion shopper.

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  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online transactions
  • Free travel insurance
  • 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 transactions
  • Free travel insurance
  • Up to 14% fuel savings with Esso & Shell

Best Miles 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$88 cashback with card approval + S$80 cash credit with S$800 spend in 1st month

OCBC Titanium Rewards Card is the absolute best miles-earning card on the market for retail spend. Cardholders earn 10 points (4 miles) per S$1 on fashion, electronics, and at department stores–plus with a variety of popular retail merchants (Amazon, Lazada, Shopee, Taobao, IKEA, Qoo10 & many more). Essentially, you can earn on everything from food items to appliances to beauty products and beyond.

Another reason OCBC Titanium Card stands out is for its perks and easy fee-waiver. Cardholders enjoy e-Commerce protection for their online purchases, plus airport lounge & JetQuay Quayside access–features not offered by alternative cards. In addition, cardholders are exempt from the S$192.6 fee after just S$10,000 annual spend. Overall, OCBC Titanium Card is the best miles-earning card on the market for retail shopping, both for its flexibility and special perks & benefits.

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

Best Miles Card for Golfers & Luxury Shopping: Maybank World MasterCard

Consider this if you are an avid golfer who travels frequently to golf clubs worldwide

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Receive S$50 cash credit after S$700 spend
  • Free 2-Day, 1-Night Play & Stay Package at Mission Hills Golf Club with S$25k spend on card

If you mostly shop for luxury brands–and if you or a family member love to golf–Maybank World MasterCard may be an excellent match for you. Cardholders receive 2 free green fees/month at 120 fairways across 25 countries, which is the most comprehensive set of golfing privileges on the market. Additional perks include free travel insurance and airport lounge access.

In terms of shopping, cardholders–both principal and supplementary–earn 10 points (4 miles) per S$1 spend with select dining & luxury retail merchants. The latter includes purchases at T Galleria by DFS and Club21, for brands such as Cartier, Armani Exchange, Tsumori Chisato, Pandora & many more. Supplementary cardholders’ purchases count towards an overall fee-waiver, which is rather uncommon. After S$24,000 total spend, the S$240.0 fee is waived. Overall, Maybank World MasterCard is a great option for those who enjoy golfing and luxury retail.

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  • 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
  • Up to 19.1% fuel savings on petrol in Singapore
  • 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
  • Up to 19.1% fuel savings on petrol in Singapore

Best Credit Cards for Online Shopping

Online shopping is easy and convenient–earning rewards for online shopping should be, too. The following credit cards offer top market rates for spending online, with a few added perks.

Best Miles Card for Online & Local Social Spend: HSBC Revolution Card

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 Astra 55cm luggage or S$120 cashback
  • Apply with MyInfo via SingPass, get S$20 worth of Grab rides

HSBC Revolution Card is a great option if you spend a great deal on local food and entertainment, and primarily shop online. Cardholders earn 2 miles per S$1 for spend in all of these categories, with no minimum requirements or earning caps. Even better, eligible online spend includes everything from fashion and travel bookings to transit & bill-pay. Most cards exclude transit & bill pay from earning rewards.

Another benefit is HSBC Revolution Card’s easy fee waiver. Cardholders are exempt from the S$160.5 fee after just S$12,500 annual spend–about S$1,042/month. If you’re at this spend level, you can easily earn no-fee miles for social local spend as well as for all online shopping, which is why HSBC Revolution Card is one of our top picks in the category.

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  • 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

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$100 cashback welcome gift

Standard Chartered SingPost Spree Card is a great option if you spend S$300–S$500/month shopping online, especially with overseas merchants. Cardholders earn 3% cashback on foreign online & vPost transactions, 2% on online online & contactless transactions, and 1% on general spend–all without a minimum requirement. Other cards require S$600+ minimums and offer just 0.3% rebate for spend at lower levels.

Cardholders also enjoy discounts on shipping & packaging with SC SingPost Spree Card. There’s even an Online Price Guarantee and 0% Interest Instalment Plan that rewards split purchases (often excluded by alternative cards). Ultimately, if you have a small online overseas shopping budget, you can maximise rebates with SC SingPost Spree Card.

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  • 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, 15% on Grab rides (up to S$30/mo)
  • 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, 15% on Grab rides (up to S$30/mo)

Best for Rebates on 0% Interest Instalments: OCBC Cashflo Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$88 cashback with card approval + S$80 cash credit with S$800 spend in 1st month

OCBC Cashflo Card is the only card on the market that allows consumers to net-earn on split transactions. Through the 0% interest plan, cardholders set a spend threshold at which large purchases are automatically split into instalments across 3 ot 6 months. There is no processing fee, in contrast to most competitors, which charge up to 5% of the transaction amount. In addition, the split purchase still earns up to 1% flat rebate; most cards exclude split purchases from earning rewards.

In order to earn this 1% rebate–which applies to all spend, not just split transactions–cardholders must spend S$2,000/month. Below, consumers earn a 0.5% flat rebate. For this reason, OCBC Cashflo Card works best simply for your largest purchases, rather than for seeking rewards on daily spend. However, if you’re at all likely to use a 0% instalment plan, OCBC Cashflo Card is your best bet–all other card plans have a net cost, as opposed to offering a net gain.

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

Best Shopping Credit Cards for High Spenders

If you’re a high spender, you may feel limited by the caps associated with most cashback cards. The following offer much higher–even unlimited–earning potential.

Best Unlimited Cashback + EZ-Link Card: Standard Chartered Unlimited Cashback Card

Consider this if you want unlimited amount of cash rebate and can spend more than S$7,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Earn a boosted 3% cashback on foreign currency transactions
  • Receive up to S$100 cashback welcome gift

Standard Chartered Unlimited Cashback Card is an extraordinary option for high-spending shoppers because it not only offers unlimited earning potential, but also has some of the best transport perks on the market.

Cardholders earn 1.5% flat cashback on all spend, with no minimums or caps. While other cards offer this rate, most alternatives lack lasting perks. SC Unlimited Cashback Card is EZ-Link compatible and rewards Auto Top-Ups, offers 15% cashback on Grab (up to S$30/month), and provides fuel savings up to 21% with Caltex. No matter how you typically get around, you’ll save on transport. Overall, if you want a functional card that will reward all over your spend–with no cap on earnings–SC Unlimited Cashback Card may be the right option for you.

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  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex, 15% rebate on Grab
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex, 15% rebate on Grab

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

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Up to S$60 voucher with S$500 spend in 1st month

If you’re an Amex loyalist, American Express True Cashback Card is the absolute best unlimited card for you. This card offers the best ‘welcome deal’ on the market–while all spend earns 1.5% unlimited cashback, this rate is doubled to 3% for the first 6 months after card approval (up to S$150). Alternative cards rarely offer such comprehensive and lucrative promotions.

Another reason to consider Amex True Cashback Card is for it’s Amex benefits. Cardholders receive special services like Global Assist, Fraud Protection, Amex Selects dining privileges, and card-specific True Cashback promotions. These promotions often include discounts related to travel, retail, and even weddings, making them ideal for all kinds of shopping. While there’s a S$171.2 fee, it’s waived for 1 year. Ultimately, Amex True Cashback Card is the best option for high-spending Amex loyalists.

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

Best Unlimited Cashback Card for Local Spenders: Maybank FC Barcelona Visa Signature Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000 for Malaysians; S$60,000 for Others
Promotions:
  • Receive S$50 cash credit after S$700 spend

If you’re a high spender but have a mostly local budget, Maybank FC Barcelona Visa Signature Card is ideal–it has the highest local unlimited cashback rate on the market. Cardholders earn 1.6% cashback on all local spend (compared to 1%–1.5% with competitors). Overseas spend earns just 2 point (0.8 miles) per S$1, which is a bit low–another reason this card is best for local spending.

Maybank FC Barcelona Card stands out, however, by also offering a fee-waiver. Cardholders are exempt from the S$120.0 fee after just S$10,000 annual spend (about S$833/month). Most competitor cards lack fee-waivers, and charge up to S$190+ in annual fees. Finally, this is a great card for FC Barcelona fans, who can access discounts of up to 10% at official stores. Overall, however, if you’re a local shopper with a big budget and feel limited by earnings caps, Maybank FC Barcelona Card is worth considering.

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

Best Unlimited Cashback Card for Travellers: CIMB Visa Infinite Card

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

Annual Income Requirement Singaporean & Singapore PR: S$120,000 . Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Up to S$60 rebate w/ S$500 monthly spend for 3 months total

If you’re a high-spending traveller who enjoys shopping overseas, CIMB Visa Infinite Card offers the best way to earn cashback on your purchases. Cardholders earn a flat 1% rebate on all spend with no minimum, and can access an unlimited 2% cashback on travel & overseas spend after a S$2,000 minimum requirement. With competitor unlimited cards, you’ll earn 1.5% cashback at most for your overseas spend; this difference quickly adds up when you’re making larger transactions.

CIMB Visa Infinite Card is also a great option because while it offers cashback rewards, it also provides perks often associated with travel cards. Cardholders receive lounge access, discounted limo transfers, and free travel insurance. But, unlike travel cards (that often come with high annual fees), CIMB Visa Infinite Card is free forever. Ultimately, if you want to earn cashback but avoid earning caps, and often shop overseas, you’re most likely to maximise your rewards with CIMB Visa Infinite Card.

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

Best Rebate Card for HSBC Advance Customers: HSBC Advance Card

Consider this if you spend at least S$3,500 per month and are open to a bank account with HSBC

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite Astra 55cm luggage or S$120 cashback
  • Apply with MyInfo via SingPass, get S$20 worth of Grab rides

HSBC Advance Card offers the highest earning potential for a capped cashback card on the market, paired with a rather high flat rebate. Cardholders who are HSBC Advance customers benefit most. These cardholders receive 3.5% flat cashback up to S$125/month, after a S$2,000 minimum spend (2.5% if below). This means that with S$3,500 monthly spend, you can earn up to S$1,500/year. In addition, Advance customers never pay a fee.

Non-Advance customers receive lower rates, however. These cardmembers earn 2.5% flat rebate up to S$70/month, after S$2,000 spend (1.5% if below). They also must pay a S$192.6 fee, though it can be waived with S$12,500 annual spend. While these rates are equal to or higher than those offered by unlimited cards, earnings are capped, so if you’re a very high spender, this card may not be a great match.

Ultimately, however, HSBC Advance Card is an excellent option for above-average spenders who are willing to consider an Advance account.

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  • Annual fee: S$180.0, 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
  • Annual fee: S$180.0, 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

Best Rebate Card for Health & Beauty: CIMB Platinum MasterCard

Consider this if you want a specialised rebate credit card for wellness, transport and travel

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A
Promotions:
  • Up to S$40 rebate w/ S$500 monthly spend for 3 months total

CIMB Platinum MasterCard is an incredible, no-fee option with top rewards for beauty spend. Cardholders receive 10% cashback on health & wellness, including medical expenses (doctors, nursing facilities & more), and beauty at cosmetic stores, hairdressers, massage parlours, and spas. No card offers such a high rate in this spend category.

Cardholders also earn 10% on travel (airlines, hotels & more) and transport (bus, trains, Grab & more), after a S$600 minimum spend, so this card is also great for travellers. Rewards are capped at a lofty S$100/month, so you can potentially earn up to S$1,200/year. Finally, CIMB Platinum MasterCard is free forever. Overall, if you want high, no-fee cashback on beauty & transport, there’s no better option than CIMB Platinum MasterCard.

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  • Annual fee: Free
  • 10% cashback on travel, wellness, transport & petrol
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on travel, wellness, transport & petrol
  • CIMB 0% Interest i.Pay Instalment Plan

Best Shopping Credit Cards for Young Adults

The following credit cards are great for social young adults who often spend on weekends and online.

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:
  • Cashback boosted to 8% for all weekend online spend
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month

Young adults with high weekend spend are likely to benefit from UOB YOLO Card, both for its high rebate rates and specialised perks. Cardholders earn up to 8% weekend cashback on dining, entertainment & Grab (3% on weekends), after S$600 spend. They also earn up to 8% for online fashion & travel spend, though rates vary due to frequent promotions. Overall, you can earn up to S$60/month, which is fairly respectable for a card tailored to young adult spending patterns.

UOB YOLO Card also offers a variety of unique perks. Cardholders can regularly enjoy 1-to-1 drink & dining deals, discounted movie tickets, privileges at nightclubs, an even access to big annual parties with music artists as guests. These promotions frequently change, but primarily cater to young adults & social lifestyles. Overall, if you often shop online and go out on weekends, UOB YOLO Card could be a great card for you.

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  • 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 No-Fee Rebate Card for Young Social Spenders: 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$88 cashback with card approval + S$80 cash credit with S$800 spend in 1st month

OCBC Frank Card is excellent for social young adults because it has one of the lowest minimum spend requirements on the market. After just S$400 offline spend, cardholders earn 6% rebate for online shopping and 5% on weekend entertainment and at select cafes (3% weekdays). Auto Top-Ups also earn a 3% rebate. Overall, you can earn up to S$60/month.

While OCBC Frank Card does not have as many promotions as its key competitor, it does have a relatively easy fee-waiver. Cardholders are exempt from the already-low S$80.0 fee after just S$10,000 annual spend. The competitor, again, does not offer such a waiver. Ultimately, OCBC Frank Card is the most accessible card on the market for young adults who enjoy online shopping, and is an excellent choice if you also tend to spend over the weekend.

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  • 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

No-Fee Cashback for Online Spend: CIMB Visa Signature Card

CIMB Visa Signature
CIMB Visa Signature

Consider this if you want a specialised dining credit card without an annual fee

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

CIMB Visa Signature Card has one of the highest rewards rates on the market for online shopping–an incredible 10%. Cardholders also receive 10% rebates on dining & groceries, making CIMB Visa Signature a very practical card. These rates can be accessed after a reasonable S$600 minimum spend, and rewards are capped at S$100/month. This is one of the higher earning potentials on the market, and is easier to hit than with other cards, who offer much lower cashback rates.

CIMB Visa Signature Card also stands out for its 0% interest instalment plan. Cardholders can split larger purchases into instalments, making payments over up to 24 months. While there’s a processing fee, cardholders can still earn cashback for the purchase. Most plans exclude split transactions from earning rewards.

On a final note, CIMB Visa Signature Card is free forever. Overall, this is an excellent card if you’re an average spender and want no-fee cashback on all of your food & online shopping.

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  • Annual fee: Free
  • 10% cashback on dining, grocery & online spend
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on dining, grocery & online spend
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan

Miles Card for Online Shopping, with 0% Plan: DBS Woman’s World MasterCard

DBS Woman's World Mastercard
DBS Woman's World Mastercard

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

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Up to 10% off hotel bookings with Expedia
  • Complimentary use of Quayside for 1 trip service (cardholder + 1 companion)

DBS Woman’s World Card is a great option for online retail shoppers who make big purchases that they’d prefer to pay for over time. Cardholders earn 4 miles per S$1 on online shopping, 0.4 miles for local spend, and 1.2 miles overseas. Through DBS’s My Preferred Payment Plan, they can split transactions as low as S$100 into instalments across up to 12 months. These instalments are interest-free and there’s no processing fee (compared to competitors, who charge fees up to 5%).

DBS Woman’s World Card also comes with a fee-waiver. If you spend S$25,000/year, you’re exempt from the S$192.6 fee. Overall, if you primarily shop online and spend over S$2,000/month, you can enjoy no-fee miles for your purchases.

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

Summary of Best Credit Cards for Shopping 2019

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

CardBest for...Annual Fee
Citi RewardsFashion ShoppingS$192.6
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
OCBC CashfloAutomatic Payment SplitS$160.5 (waiver)
SC UnlimitedUnlimited + EZ-LinkS$192.6
Amex True CashbackUnlimited + Amex BenefitsS$171.2
CIMB Platinum MasterCardTravel, Transport & WellnessS$0.0
UOB YOLOWeekend Social SpendS$192.6
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
CardBest for...Annual Fee
Citi RewardsFashion ShoppingS$192.6
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
OCBC CashfloAutomatic Payment SplitS$160.5 (waiver)
SC UnlimitedUnlimited + EZ-LinkS$192.6
Amex True CashbackUnlimited + Amex BenefitsS$171.2
CIMB Platinum MasterCardTravel, Transport & WellnessS$0.0
UOB YOLOWeekend Social SpendS$192.6
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)

Compare the Best Shopping Rewards Credit Cards by Dollar Value

Below is a visual representation of the approximate savings one can earn by using the best shopping credit cards in Singapore. These dollar values* represent the approximate amount of rewards a person can earn in cash rebate & air miles when spending S$2,000 per month for 2 years. However, this amount can vary widely depending on what your spending habit looks like and how you redeem your miles.

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

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

Best Department Store Credit Cards

Department stores are a mainstay in the Singapore retail scene, and even if e-commerce and shopping online have become more and more prevalent, you can still find die-hard fans of department stores, especially during card member sales events. One only has to take a look at the queue outside Robinson's department store during card members' sales to know that department stores are still a big part of shopping culture here. If you like to shop at Robinson's, TANGS, Takashimaya or Metro, we think you will like our review of the best department store credit cards in Singapore.

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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