Best Student Credit Cards 2020

Having a credit card is an important step to building a credit score while preparing to enter adulthood. After careful analysis, we've identified the best credit cards in Singapore specifically designed for students. Many have a S$500 monthly credit limit, paired with no income requirement–perfect for first-timers.

Maybank eVibes:
  • Highest rebate for students–1% on all spend
CIMB AWSM:
  • Unltd 1% rebate on dining, entertainment & more for students
DBS Live Fresh Student:
  • Everyday rebates + no minimum spend requirement
Citi Clear:
  • 0.4 miles per S$1 for students, foodie privileges
SC Manhattan S$500:
  • 0.25% cashback for students & low-income adults

Maybank eVibes Card: Best Flat Rate for Students

  • Market-leading 1% flat rebate for students
  • Promotions: Receive Adidas wristwatch (worth S$120) on 1st charge, during 1st month
  • Read Our Full Review
  • Annual fee: S$20.0, waived with card use at least 1x/3mo
  • 1% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Access to Maybank TREATS discounts
With Maybank eVibes Card, students can earn up to 4x the rewards offered by competitors. In fact, cardholders earn a market-leading 1% rebate on all of their spend–there are no merchant or category restrictions, making it incredibly easy to maximise cashback. Maybank eVIbes Card also has no minimum spend requirement to earn at this rate, and the S$5.0 quarterly fee (S$20.0/year) is waived simply with card use. Essentially, earning is easy and maintenance-free.


To top it off, students have access to Maybank’s TREATS Programme, which offers everything from S$1 meals coupons to discounted amusement park tickets. If you’re a student or NSF, there’s simply no better credit card than Maybank eVibes Card.

  • Stand-Out: Market-leading 1% flat rebate for students
  • Promotions: Receive Adidas wristwatch (worth S$120) on 1st charge, during 1st month
  • Read Our Full Review
  • Annual fee: S$20.0, waived with card use at least 1x/3mo
  • 1% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Access to Maybank TREATS discounts
With Maybank eVibes Card, students can earn up to 4x the rewards offered by competitors. In fact, cardholders earn a market-leading 1% rebate on all of their spend–there are no merchant or category restrictions, making it incredibly easy to maximise cashback. Maybank eVIbes Card also has no minimum spend requirement to earn at this rate, and the S$5.0 quarterly fee (S$20.0/year) is waived simply with card use. Essentially, earning is easy and maintenance-free.


To top it off, students have access to Maybank’s TREATS Programme, which offers everything from S$1 meals coupons to discounted amusement park tickets. If you’re a student or NSF, there’s simply no better credit card than Maybank eVibes Card.

CIMB AWSM Card: Competitive Rebates in Popular Categories

CIMB AWSM Card
CIMB AWSM Card
  • Annual fee: Free
  • Accessible to working adults earning up to S$30,000/year
  • 1% unlimited cashback on dining, entertainment, online shopping & telco
  • No minimum spend requirement
  • S$500 credit limit
  • Access to CIMB Deals & Discounts
CIMB AWSM Card is an excellent option for students, and the absolute best card for salaried employees earning less than S$30,000/year. In fact, CIMB AWSM Card is one of the only cards on the market open to salaried employees with low-incomes (who otherwise, would not qualify for typical cards requiring salaries of S$30,000+ for approval).


CIMB AWSM Card is still one of the best options for students as well. Cardholders earn a high 1% unlimited rebate on dining, entertainment, online shopping & telco–key spend categories for young adults. There’s no minimum spend requirement, and the card is free forever, making it a great way to earn stress and maintenance-free cashback. Finally, students can access CIMB Deals & Discounts, which offer travel, dining and regional promotions across Singapore, Indonesia and Malaysia.

CIMB AWSM Card
CIMB AWSM Card
  • Annual fee: Free
  • Accessible to working adults earning up to S$30,000/year
  • 1% unlimited cashback on dining, entertainment, online shopping & telco
  • No minimum spend requirement
  • S$500 credit limit
  • Access to CIMB Deals & Discounts
CIMB AWSM Card is an excellent option for students, and the absolute best card for salaried employees earning less than S$30,000/year. In fact, CIMB AWSM Card is one of the only cards on the market open to salaried employees with low-incomes (who otherwise, would not qualify for typical cards requiring salaries of S$30,000+ for approval).


CIMB AWSM Card is still one of the best options for students as well. Cardholders earn a high 1% unlimited rebate on dining, entertainment, online shopping & telco–key spend categories for young adults. There’s no minimum spend requirement, and the card is free forever, making it a great way to earn stress and maintenance-free cashback. Finally, students can access CIMB Deals & Discounts, which offer travel, dining and regional promotions across Singapore, Indonesia and Malaysia.

DBS Live Fresh Student Card: Cashback Boost for Social Spenders

DBS Live Fresh Student Card
DBS Live Fresh Student Card
  • 5% cashback on McDonald's, Starbucks, Netflix & more
  • Promotions: Receive AirPods w/ Charging Case (worth S$239) w/ S$900 spend in 1st 3mo
  • S$40 off foodpanda order w/ S$250 spend in 1st month
  • Read Our Full Review
  • Annual fee: S$192.6, 5-year waiver
  • 5% rebate on Starbucks, McDonald's & McDelivery, Golden Village, Netflix & Spotify (up to S$15/mo)
  • 0.3% rebate on general spend (up to S$20/month)
  • No minimum spend requirement
  • S$500 credit limit
DBS Live Fresh Student Card is the best option on the market for social young adults who spend about S$300/month on dining & entertainment. Cardholders earn a boosted 5% cashback for spend with Starbucks, McDonald's (inc. McDelivery), Golden Village, Netflix and even Spotify. This is a higher rate than offered by any other student card, with any merchants or categories. While cashback at the 5% rate is capped at S$15/month, students can easily max out their rewards on a regular basis with just S$300 merchant spend.


DBS Live Fresh Student Card does have a slightly less competitive general rate. Cardholders earn 0.3% cashback on all other purchases, capped at S$20/month. It's far more difficult to max out this rewards category–in fact, doing so would require S$6,667 monthly spend. As a result, students should think of DBS Live Fresh Student Card as an easy opportunity to earn S$15/month on select dining & entertainment, adding up to a S$180/year.

DBS Live Fresh Student Card
DBS Live Fresh Student Card
  • Stand-Out: 5% cashback on McDonald's, Starbucks, Netflix & more
  • Promotions: Receive AirPods w/ Charging Case (worth S$239) w/ S$900 spend in 1st 3mo
  • S$40 off foodpanda order w/ S$250 spend in 1st month
  • Read Our Full Review
  • Annual fee: S$192.6, 5-year waiver
  • 5% rebate on Starbucks, McDonald's & McDelivery, Golden Village, Netflix & Spotify (up to S$15/mo)
  • 0.3% rebate on general spend (up to S$20/month)
  • No minimum spend requirement
  • S$500 credit limit
DBS Live Fresh Student Card is the best option on the market for social young adults who spend about S$300/month on dining & entertainment. Cardholders earn a boosted 5% cashback for spend with Starbucks, McDonald's (inc. McDelivery), Golden Village, Netflix and even Spotify. This is a higher rate than offered by any other student card, with any merchants or categories. While cashback at the 5% rate is capped at S$15/month, students can easily max out their rewards on a regular basis with just S$300 merchant spend.


DBS Live Fresh Student Card does have a slightly less competitive general rate. Cardholders earn 0.3% cashback on all other purchases, capped at S$20/month. It's far more difficult to max out this rewards category–in fact, doing so would require S$6,667 monthly spend. As a result, students should think of DBS Live Fresh Student Card as an easy opportunity to earn S$15/month on select dining & entertainment, adding up to a S$180/year.

Citi Clear Card: Opportunity to Earn Miles

Citibank Clear Card
Citibank Clear Card
  • Annual fee: S$29.96, 1-year waiver
  • 1 Pt (0.4 miles) per S$1 spend, no minimum requirement
  • S$500 credit limit
  • Access to Citi Gourmet Pleasures
  • Up to 14% fuel savings with Esso, Shell
Citi Clear Card is one of the only student cards that offers points/miles rather than cashback. Cardholders earn 1 point (0.4 miles) per S$1 spend, with no minimum requirements. This is roughly equal in value to 0.4% cashback–which is still a higher rate than that offered by some alternatives.


Beyond this unique perk, students also have access to select Citi benefits. These include access to Citi Gourmet Pleasures (which offers dining privileges on everything from delivery services to high-end steakhouses) and Citi World Privileges (which offers deals with select travel, shopping and lifestyle merchants). Students who drive can even enjoy up to 14% year-round fuel savings at Esso and Shell. Overall, Citi Clear Card is a great option for young adults interested in earning miles and enjoying a wider variety of perks.

Citibank Clear Card
Citibank Clear Card
  • Annual fee: S$29.96, 1-year waiver
  • 1 Pt (0.4 miles) per S$1 spend, no minimum requirement
  • S$500 credit limit
  • Access to Citi Gourmet Pleasures
  • Up to 14% fuel savings with Esso, Shell
Citi Clear Card is one of the only student cards that offers points/miles rather than cashback. Cardholders earn 1 point (0.4 miles) per S$1 spend, with no minimum requirements. This is roughly equal in value to 0.4% cashback–which is still a higher rate than that offered by some alternatives.


Beyond this unique perk, students also have access to select Citi benefits. These include access to Citi Gourmet Pleasures (which offers dining privileges on everything from delivery services to high-end steakhouses) and Citi World Privileges (which offers deals with select travel, shopping and lifestyle merchants). Students who drive can even enjoy up to 14% year-round fuel savings at Esso and Shell. Overall, Citi Clear Card is a great option for young adults interested in earning miles and enjoying a wider variety of perks.

Standard Chartered Manhattan S$500 Card: Straightforward Cashback for Starters

Standard Chartered Manhattan $500 Card
Standard Chartered Manhattan $500 Card
  • Annual fee: S$32.1, 1-year waiver
  • Accessible to working adults earning up to S$18,000/year
  • 0.25% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
Standard Chartered Manhattan S$500 Card offers straightforward cashback and is best fit for low-income working adults earning less than S$30,000/year. Cardholders earn 0.25% flat rebate, which is lower than some alternatives, so students might prefer another card. However, working adults earning at least S$18,000/year have fewer options overall, but can qualify for this card.


SC Manhattan S$500 Card does have a few benefits. There is no minimum spend requirement and no cap on earnings. In addition, the S$32.1 annual fee is waived 1 year.

Standard Chartered Manhattan $500 Card
Standard Chartered Manhattan $500 Card
  • Annual fee: S$32.1, 1-year waiver
  • Accessible to working adults earning up to S$18,000/year
  • 0.25% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
Standard Chartered Manhattan S$500 Card offers straightforward cashback and is best fit for low-income working adults earning less than S$30,000/year. Cardholders earn 0.25% flat rebate, which is lower than some alternatives, so students might prefer another card. However, working adults earning at least S$18,000/year have fewer options overall, but can qualify for this card.


SC Manhattan S$500 Card does have a few benefits. There is no minimum spend requirement and no cap on earnings. In addition, the S$32.1 annual fee is waived 1 year.

Learn More About Credit Cards & Student Financial Products

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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