Best Shopping Credit Cards in Singapore 2021

Frequent shoppers may be interested in credit cards that reward spend on fashion retail both online and offline, locally and overseas. The credit cards below–selected out of 100+ competitive options in Singapore–offer the absolute best miles or cashback in all of these categories. Our experts also identified options that will reward your spend on sites like Amazon, Lazada, and Qoo10, as well as those that offer competitive 0% interest instalment plans.

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 & select
MB World4 miles per S$1 dining & luxury retail, golfing privileges
Online ShoppingKrisFlyer UOBUp to 3 mi/S$1 on online shopping
HSBC Revolution2 miles per S$1 online (inc. transit, insurance premiums)
DBS Woman's World4 miles per S$1 for online shopping
0% InstalmentsOCBC Cashflo1% flat rebate, including on instalments
High SpendersUnlimited Cards1%–2% unlimited cashback with extra perks
HSBC AdvanceUp to 3.5% cashback capped at S$300/month
Young AdultsOCBC Frank6% online, 5% entertainment rebate w/ S$400 minimum
UOB YOLOUp to 8% weekend cashback on Grab & entertainment

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 30000
Foreigner Income Requirement 42000
Promotions:
  • New Citibank cardmembers get Dyson Cool™ AM07 Tower Fan (worth S$499) or S$350 cash with S$200 min spend within 30 days of card approval (until Apr.30, 2021)
  • Existing cardholders will receive $30 cash via PayNow

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$192.60 (first year- waived)
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • 0.4 miles (1pt) on all other retail spend
  • Free travel insurance
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • 0.4 miles (1pt) on all other retail spend
  • Free travel insurance

Miles Card for Lazada & Local Social Spend: Citi Lazada Card

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

Annual Income Requirement 30000
Foreigner Income Requirement 42000
Promotions:
  • Sign up and receive a welcome gift of S$150 Lazada & S$100 RedMart Vouchers with S$250 min spend (until May 26,2021)
  • Get S$8 off on a minimum spend of S$20 for first time user of Lazada mobile app (until June 30,2021)

If you mostly shop online, and specifically with Lazada, you can easily maximise miles for your spend with Citi Lazada Card. Shoppers earn an incredible 4 miles (10pts) per S$1 spend on their Lazada purchases and enjoy S$1.99 shipping rebates on purchases of S$50+ (up to 4x/month). Shopping is even cheaper with a Citi Lazada Card as consumers also have exclusive access to special offers and discounts on the platform.

When not shopping online, cardholders earn 2 miles (5pts) per S$1 spend on local dining, entertainment, travel and transport (including Gojek and Grab). This makes it easy for local spenders to also maximise rewards on social expenditures, including everything from sit-down restaurants to bars and clubs and movie theaters. However, total rewards are capped at 4,000 miles (10,000pts) per month, which translates to about S$40 value-to-consumer. Nonetheless, this amount can be maxed out with just S$1k spend with Lazada, making Citi Lazada Card an excellent option for those with a roughly S$1k monthly shopping budget.

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  • Annual fee: S$192.60 (first year - waived)
  • 4 mi (10pts) per S$1 spend on Lazada
  • 2 mi (5pts) on dining, travel, nightlife, entertainment (including Netflix and Spotify) and commute
  • 0.4 mi (1 pt) on all other spend
  • Shipping rebates on Lazada
  • Complimentary travel insurance
  • No min spend required
  • Annual fee: S$192.60 (first year - waived)
  • 4 mi (10pts) per S$1 spend on Lazada
  • 2 mi (5pts) on dining, travel, nightlife, entertainment (including Netflix and Spotify) and commute
  • 0.4 mi (1 pt) on all other spend
  • Shipping rebates on Lazada
  • Complimentary travel insurance
  • No min spend required

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 30000
Foreigner Income Requirement 45000
Promotions:
  • Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$

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$192.60 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10)
  • 0.4 miles (1 OCBC$ Pts.) on all other spend
  • 2% cash rebate on BEST Denki spend
  • Annual fee: S$192.60 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10)
  • 0.4 miles (1 OCBC$ Pts.) on all other spend
  • 2% cash rebate on BEST Denki spend

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 80000
Foreigner Income Requirement 80000
Promotions:
  • Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw min of S$250 for each of the 2 consecutive months upon card approval (until June 30,2021)

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 (first year- waived)
  • Subsequent annual fee is waived with min annual spend of S$24,000
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Club21 and more)
  • Complimentary green fees all year round at 100 participating golf clubs in 23 countries
  • Free travel insurance, lounge access & global concierge
  • Pair with Corporate Fuel Card for petrol discounts up to 19.1%
  • Annual fee: S$240 (first year- waived)
  • Subsequent annual fee is waived with min annual spend of S$24,000
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Club21 and more)
  • Complimentary green fees all year round at 100 participating golf clubs in 23 countries
  • Free travel insurance, lounge access & global concierge
  • Pair with Corporate Fuel Card for petrol discounts up to 19.1%

Best for Affluent Local Shoppers: American Express Platinum Card

Consider this if you're an affluent local spender seeking local luxury privileges

Annual Income Requirement 80000
Foreigner Income Requirement 80000
Promotions:
  • Get a S$100 Dairy Farm Group voucher with S$500 min spend within 30 days of card approval (until Apr. 30,2021) & get a B&O Beoplay E8 3rd Gen (worth S$499) with S$5,000 min spend in first 3 months (until June 30,2021)
  • Enjoy a S$30 statement credit for every S$60 spent at Love Dining merchants, capped at S$150 (until June 30, 2021)

American Express Platinum Card is one of the best options on the market for affluent local shoppers who exclusively shop with designer brands. Cardholders earn just 0.69 miles (1.25 pts) per S$1 general spend, but this rate is boosted to 3.44 miles (6.25 pts) for spend with select Platinum EXTRA Partners. These merchants are typically designer fashion, jewellery, watch and auto brands. While typical shopping cards cap rewards after as little as S$1k spend–which would be quickly maxed out by such purchases–Amex Platinum Card does not cap rewards.

Cardholders also enjoy a wide variety of local perks and privileges. These include up to 40% off a la carte services at high-end spas, waived green fees across Asia Pacific and access to the Love Dining, Amex Selects, and Chillax programmes–which offer some of the best deals at exclusive restaurants and bars across Singapore. There is a S$321 non-waivable fee, but affluent shoppers may feel Amex Platinum Card's perks and rates outweigh its annual cost.

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  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees
  • Annual fee: S$321
  • 0.69 miles (1.25 pts) per S$1 spend
  • Up to 3.44 miles (6.25 pts) per S$1 spend w/ Platinum EXTRA Partners
  • No conversion fees
  • Dining Perks: Love Dining, Amex Selects & Chillax programme
  • Lifestyle Perks: Platinum Wellness spa privileges & complimentary green fees

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 for Young SIA Loyalists: KrisFlyer UOB Card

Consider this if you exclusively fly with SIA and travel on a budget

Annual Income Requirement 30000
Foreigner Income Requirement 80000
Promotions:
  • Receive S$150 cash credit with S$1,500 min spend made on eligible goods/services within 30 days of card approval (until Apr. 30, 2021)
  • 5% savings on rentalcars.com (until June 30, 2021) + use code Flyer60 to get 60% travel insurance (single trip plan) + Up to 9% off all hotel bookings on Agoda (until Dec 31, 2021)

KrisFlyer UOB Card is ideal for young SIA-loyal travellers who often fly on a budget. Cardholders earn 1.2 miles per S$1 on general local and overseas spend, boosted to 3 miles for transactions with SIA, SilkAir, Scoot and KrisShop. Consumers can also unlock an elevated 3 miles per S$1 rate on dining, transport, online fashion shopping and travel bookings by spending at least S$500 with SIA brands within the year. This amount is quite reasonable, and can be reached by flying just a few times within a year. These rate-elevated categories are also especially matched to young adults who tend to have budgets concentrated in these areas.


KrisFlyer UOB Card also caters to young, budget travellers based on its perks. Consumers enjoy privileges with Scoot, SIA's most affordable airline, such as free priority check-in & boarding, standard seat selection, baggage allowance upgrades and booking flexibility waivers. Other perks include S$15 vouchers for ChangiWiFi and Grab rides to and from Changi Airport, plus a S$20 rebate with S$100 nett spend at KrisShop. There aren't many luxury perks to speak of, but cardholders who spend S$5k/year with SIA are elgible for an upgrade to KrisFlyer Elite Silver status. All cardholders enjoy 10,000 annual bonus miles (worth S$100) which offsets more than half of the S$192.6 annual fee. Overall, KrisFlyer UOB Card offers affordable and practical perks, as well as boosted rewards, to young SIA-loyal travellers.

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  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)

Best Miles Card for Online Bill-Pay: HSBC Revolution Card

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

Annual Income Requirement 30000
Foreigner Income Requirement 40000
Promotions:
  • All new cardholders will receive S$30 cashback when you apply with MyInfo via Singpass + S$50 cashback when making 1 transaction of any amount OR S$120 cashback with S$500 min spend (until Apr.30,2021)

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: none
  • 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
  • 16% off petrol at Caltex and 14% off at Shell
  • Annual fee: none
  • 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
  • 16% off petrol at Caltex and 14% off at Shell

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

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

Annual Income Requirement 80000
Foreigner Income Requirement 80000
Promotions:
  • Use code DBSFLASH to get S$250 cashback when you apply and make 1 qualifying spend within 30 days of card approval (until Apr.29, 2021)
  • Charge min S$25,000 to receive an annual fee waiver
  • 7% off at Chu Collagen (until Dec.31,2021)

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$192.60 (first year- waived)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles per S$1 spend on online purchase and, 1.2 miles on overseas spend
  • 0.4 miles per S$1 spend on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • e-Commerce protection on online purchases
  • Annual fee: S$192.60 (first year- waived)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles per S$1 spend on online purchase and, 1.2 miles on overseas spend
  • 0.4 miles per S$1 spend on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • e-Commerce protection on online purchases

Rebates for Online Overseas: Standard Chartered SingPost Spree Card

Consider this if you shop frequently from websites outside of Singapore

Annual Income Requirement 30000
Foreigner Income Requirement 60000
Promotions:
  • Get up to S$220 cashback when you apply via MyInfo and make 1 eligible transaction (until Apr.30, 2021)

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$192.60 (waived for the first 2 years)
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.60 (waived for the first 2 years)
  • 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

No-Fee Cashback for Beauty & Online Fashion: CIMB Visa Signature Card

CIMB Visa Signature
CIMB Visa Signature

Consider this if you want a no-fee credit card for beauty, online fashion & more

Annual Income Requirement 30000

CIMB Visa Signature Card is an excellent option if you tend to spend online and have a small-to-medium size shopping budget. Cardholders earn a 10% rebate on online fashion shopping, up to S$20/month–which can be maxed out with S$200 spend. As a result, those spending at this level can benefit greatly from CIMB Visa Signature's market-leading rate. However, those with a larger shopping budget may prefer alternatives with higher caps.

Nonetheless, CIMB Visa Signature Card stands apart from other cards for its additional rewards categories. Consumers also receive 10% cashback on groceries, beauty spend, petcare, and transactions with cruise lines. Even if you spend irregularly on these categories, you can still benefit because there's no annual fee and therefore, very little risk. However, there is an S$800 monthly minimum spend requirement to access these rates, which is worth keeping in mind if you're already spending the majority of your budget through an existing 'everyday' card.

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  • Annual fee: free for life
  • 10% cashback on groceries, online shopping, beauty, petcare & cruises
  • Unlimited 0.2% cashback on all other spend
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: free for life
  • 10% cashback on groceries, online shopping, beauty, petcare & cruises
  • Unlimited 0.2% cashback on all other spend
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan

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 30000
Foreigner Income Requirement 45000
Promotions:
  • 10% off Family First Package, book and stay by June 30, 2021

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$160.50 (waived for two years)
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below), capped at S$100/mo
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments into 3- or 6-month instalments, at no extra cost
  • Annual fee: S$160.50 (waived for two years)
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below), capped at S$100/mo
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments into 3- or 6-month instalments, at no extra cost

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.

Highest Unlimited Rebate Rate: Citi Cash Back+ Card

Consider this if you spend at least S$7k per month and want unlimited rewards

Annual Income Requirement 30000
Foreigner Income Requirement 42000
Promotions:
  • New Citibank cardmembers get Dyson Cool™ AM07 Tower Fan (worth S$499) or S$350 cash with S$200 min spend within 30 days of card approval (until Apr.30, 2021)
  • Existing cardholders will receive $30 cash via PayNow
  • Welcome gift of 4.5% cashback (up to S$225) on up to S$5,000 spend in the first 3 months (until May 31,2021)

Citi Cash Back+ Card stands out by offering one of the highest unlimited flat rebate rates on the market. Cardholders earn 1.6% cashback locally and overseas with no earnings restrictions, compared to 1.5% with competitor cards. This rewards structure is ideal for high spenders who might otherwise miss out on their full potential with capped rebate cards. Citi Cash Back+ Card also has a moderate S$192.6 fee that's waived the 1st year. All-in-all, affluent consumers can rapidly maximise rewards without worrying about caps with Citi Cash Back+ Card.

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  • Annual fee: S$192.60 (first year - waived)
  • 1.6% cashback on all local and overseas spend
  • No minimum spend
  • No cap on cashback
  • Welcome gift of 4.5% cashback on up to S$5,000 in first 3 months
  • Annual fee: S$192.60 (first year - waived)
  • 1.6% cashback on all local and overseas spend
  • No minimum spend
  • No cap on cashback
  • Welcome gift of 4.5% cashback on up to S$5,000 in first 3 months

Unlimited Cashback + Transport Perks: 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 30000
Foreigner Income Requirement 60000
Promotions:
  • Receive Apple AirPods Pro (worth S$379) OR S$300 cash via PayNow with S$300 min spend within 30 days of card approval (until May 2, 2021)
  • Existing cardholders will receive $30 cash via PayNow

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

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 SimplyGo compatible and offers fuel savings up to 21% with Caltex. 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$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 21%
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 21%

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 30000
Foreigner Income Requirement 60000
Promotions:
  • New cardmembers will receive S$160 cashback with S$500 min spend within the first 30 days of card approval (until Apr.30,2021) OR S$20 Dairy Farm Group vouchers with S$1 min spend on eligible goods made within first month of card approval (until June 30,2021)

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$171.20 (first year - waived)
  • Get 1.5% cashback on all eligible spend, with no min. spend required and no cap
  • Get double the cashback at 3% on first S$5,000 spent within first 6 months
  • Free travel insurance up to S$350,000 when you purchase travel tickets with this card
  • Annual fee: S$171.20 (first year - waived)
  • Get 1.5% cashback on all eligible spend, with no min. spend required and no cap
  • Get double the cashback at 3% on first S$5,000 spent within first 6 months
  • Free travel insurance up to S$350,000 when you purchase travel tickets with this card

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 30000
Foreigner Income Requirement 60000
Promotions:
  • Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw min of S$250 for each of the 2 consecutive months upon card approval (until June 30,2021)

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
  • 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
  • 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

Unlimited Cashback Card for Travellers: CIMB Visa Infinite Card

CIMB Visa Infinite
CIMB Visa Infinite

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

Annual Income Requirement 30000
Promotions:
  • New cardholders get Fitbit Inspire 2 or S$130 Cash via PayNow upon activating and spending min. $350/mo for 2 months from card approval (until May 7, 2021)

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, free green fees at fairways worldwide 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 for life
  • Unlimited 2% cashback on all travel and overseas spend
  • Unlimited 2% cashback on online spend in foreign currencies
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3 complimentary access to airport lounges
  • Visa Infinite Concierge
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: free for life
  • Unlimited 2% cashback on all travel and overseas spend
  • Unlimited 2% cashback on online spend in foreign currencies
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3 complimentary access to airport lounges
  • Visa Infinite Concierge
  • 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 30000
Foreigner Income Requirement 40000
Promotions:
  • All new cardholders will receive S$30 cashback when you apply with MyInfo via Singpass + S$50 cashback when making 1 transaction of any amount OR S$120 cashback with S$500 min spend (until Apr.30,2021)

HSBC Advance Card offers the highest earning potential for a capped cashback card on the market, paired with a rather high flat rebate. Cardholders can receive 3.5% flat cashback (2.5%+1% bonus) up to S$300/month, after a S$2,000 minimum spend (1.5% if below) for simply depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. This adds up to annual savings of S$3,600.

It's worth mentioning that not depositing at least S$2,000 in fresh funds every month will mean that you cannot qualify for the bonus cashback of 1%, decreasing the cashback rate to 2.5% for spend above S$2,000 and 1.5% for spend below S$2,000. In addition, monthly cashback will be capped at S$70/month, dropping your annual savings from S$3,600 to just S$840.

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  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection
  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection

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 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 30000
Foreigner Income Requirement 45000
Promotions:
  • Use code VISA15OFF to get 15% off Zalora w/ min spend of S$80 (until June 30, 2021)

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$600 spend, cardholders can earn 6% on their FX, online, and mobile contactless spend. An additional 0.3% rate is given for all other types of purchases–providing great value for any individual who shops using this credit card. 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 (waived for two years)
  • Automatic annual fee waiver with min annual spend of S$10,000
  • 6% rebate on online and app spend
  • 6% rebate on mobile contactless payments (Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay)
  • 6% rebate on foreign currency spend
  • 0.3% cashback on all other spend
  • Monthly cashback capped at S$75
  • Annual fee: S$80 (waived for two years)
  • Automatic annual fee waiver with min annual spend of S$10,000
  • 6% rebate on online and app spend
  • 6% rebate on mobile contactless payments (Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay)
  • 6% rebate on foreign currency spend
  • 0.3% cashback on all other spend
  • Monthly cashback capped at S$75

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 30000
Foreigner Income Requirement 80000
Promotions:
  • Receive S$150 cash credit with S$1,500 min spend made on eligible goods/services within 30 days of card approval (until Apr. 30, 2021)

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 and select UOB Travel (3% on weekends), after S$600 spend. They also earn 3% for online fashion & travel spend, any day of the week. 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$192.60 (first year- waived)
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance

Summary of Best Credit Cards for Shopping 2021

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

CardBest for...Annual Fee
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
OCBC CashfloAutomatic Payment SplitS$160.5 (waiver)
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
UOB YOLOWeekend Social SpendS$192.6
CardBest for...Annual Fee
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
OCBC CashfloAutomatic Payment SplitS$160.5 (waiver)
OCBC FrankYoung Adults, Low MinimumS$80.0 (waiver)
UOB YOLOWeekend Social SpendS$192.6

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, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more.

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