Compare Cashback Credit Cards

After reading through 1,000+ pages of credit card terms and conditions, we've identified which cashback credit cards truly deliver the best value per dollar in Singapore. Adjust the income and spending numbers below in order to see which cards can maximise rebates for your budget.

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Great Maximum Cashback for Stable Budgets

UOB One Credit Card

UOB One Credit Card Card Image

ValueChampion Rating

You could earn
S$2,507
RealValueValueChampion Icon

ValueChampion Rating

Annual Income NeededCitizen: S$30,000
Foreign: S$80,000
Overall Rewards Rate5.22%
Annual FeeS$192.60
Annual Fee Waiver Amountnone
You could earn
S$2,507
RealValueValueChampion Icon
Apply Now
Expert Review
Our Experts say...

If you spend at least S$2,000 per month and want cashback on daily spend and bills, UOB One Card might just be the right fit for you. You can earn up to 5% rebate on general spend, 10% on Grab and 6% on utilities, adding up to S$300/quarter. This card also gets you petrol discounts at Shell and SPC stations.

Fees, Rewards and Perks
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • 0.03% rebate on all spend if no rebate earned for calendar year
  • Up to 20.80% savings at Shell and 24% at SPC
Expert Review
Our Experts say...

If you spend at least S$2,000 per month and want cashback on daily spend and bills, UOB One Card might just be the right fit for you. You can earn up to 5% rebate on general spend, 10% on Grab and 6% on utilities, adding up to S$300/quarter. This card also gets you petrol discounts at Shell and SPC stations.

Fees, Rewards and Perks
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • 0.03% rebate on all spend if no rebate earned for calendar year
  • Up to 20.80% savings at Shell and 24% at SPC
Annual Income NeededCitizen: S$30,000
Foreign: S$80,000
Overall Rewards Rate5.22%
Annual FeeS$192.60
Annual Fee Waiver Amountnone

Maybank Family & Friends Card

Maybank Family & Friends Card Card Image

ValueChampion Rating

You could earn
S$2,320
RealValueValueChampion Icon

ValueChampion Rating

PROMO: GET S$100 CASH CREDIT
Annual Income NeededCitizen: S$30,000
Foreign: S$60,000
Overall Rewards Rate4.83%
Annual FeeS$180.00
Annual Fee Waiver AmountS$12,000
You could earn
S$2,320
RealValueValueChampion Icon
Apply Now
Promotion: 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 Aug 31, 2021)
Expert Review
Our Experts say...

Maybank Family & Friends MasterCard is a good option for earning cash back on essential spending with a moderate budget. Earn 5% on groceries, food delivery, transport and more if you spend S$500/month. If you spend over S$800/month, the cashback rate increases to 8% with a cap of S$80.

Fees, Rewards and Perks
  • Promotion: 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 Aug 31, 2021)
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on 5 preferred categories (fast food & food delivery, groceries, transport, petrol discounts & online TV streaming)
  • Up to S$125 cashback per month with S$800 min spend
  • 0.3% rebate all other spend
Promotion: 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 Aug 31, 2021)
Expert Review
Our Experts say...

Maybank Family & Friends MasterCard is a good option for earning cash back on essential spending with a moderate budget. Earn 5% on groceries, food delivery, transport and more if you spend S$500/month. If you spend over S$800/month, the cashback rate increases to 8% with a cap of S$80.

Fees, Rewards and Perks
  • Promotion: 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 Aug 31, 2021)
  • Annual fee: S$180 (3 years fee waiver)
  • Up to 8% rebate on 5 preferred categories (fast food & food delivery, groceries, transport, petrol discounts & online TV streaming)
  • Up to S$125 cashback per month with S$800 min spend
  • 0.3% rebate all other spend
Annual Income NeededCitizen: S$30,000
Foreign: S$60,000
Overall Rewards Rate4.83%
Annual FeeS$180.00
Annual Fee Waiver AmountS$12,000

Great High Flat-Rate Cashback for Low Spenders

Maybank Platinum Visa Card

Maybank Platinum Visa Card Card Image

ValueChampion Rating

You could earn
S$1,807
RealValueValueChampion Icon

ValueChampion Rating

PROMO: GET S$100 CASH CREDIT
Annual Income NeededCitizen: S$30,000
Foreign: S$60,000
Overall Rewards Rate3.76%
Annual FeeS$80.00
Annual Fee Waiver Amountnone
You could earn
S$1,807
RealValueValueChampion Icon
Apply Now
Promotion: 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 Aug 31, 2021)
Expert Review
Our Experts say...

If you are a young adult with a monthly budget of S$300-S$500/month looking for a starter card, then you should consider Maybank Platinum Visa. At 3.33% cashback on S300 spend, it offers the highest cashback on low spend on the market. With monthly spend of S$1,000 you can earn up to S$100/quarter.

Fees, Rewards and Perks
  • Promotion: 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 Aug 31, 2021)
  • Annual fee: S$80 (3 years fee waiver)
  • Subsequently quarterly service fee is waived w/ card use at least 1x/quarter
  • Up to 3.33% on all local and foreign currency spend
  • $30 quarterly rebate with at least S$300 monthly spend
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • Free travel insurance
Promotion: 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 Aug 31, 2021)
Expert Review
Our Experts say...

If you are a young adult with a monthly budget of S$300-S$500/month looking for a starter card, then you should consider Maybank Platinum Visa. At 3.33% cashback on S300 spend, it offers the highest cashback on low spend on the market. With monthly spend of S$1,000 you can earn up to S$100/quarter.

Fees, Rewards and Perks
  • Promotion: 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 Aug 31, 2021)
  • Annual fee: S$80 (3 years fee waiver)
  • Subsequently quarterly service fee is waived w/ card use at least 1x/quarter
  • Up to 3.33% on all local and foreign currency spend
  • $30 quarterly rebate with at least S$300 monthly spend
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • Free travel insurance
Annual Income NeededCitizen: S$30,000
Foreign: S$60,000
Overall Rewards Rate3.76%
Annual FeeS$80.00
Annual Fee Waiver Amountnone

OCBC FRANK Credit Card

OCBC FRANK Credit Card Card Image

ValueChampion Rating

You could earn
S$1,573
RealValueValueChampion Icon

ValueChampion Rating

PROMO: GET S$50 CASHBACK
Annual Income NeededCitizen: S$30,000
Foreign: S$45,000
Overall Rewards Rate3.28%
Annual FeeS$80.00
Annual Fee Waiver AmountS$10,000
You could earn
S$1,573
RealValueValueChampion Icon
Apply Now
Promotion: New cardholders get S$50 cashback with 2 qualifying transactions by end of next month following card approval (until Aug 31, 2021)
Expert Review
Our Experts say...

OCBC Frank Card is a great option for young adults with low-spend budgets. With this card you can earn 6% cashback on online purchases, mobile contactless spend and all FX transactions. To qualify for these rates you only need to spend S$600 every month.

Fees, Rewards and Perks
  • Promotion: New cardholders get S$50 cashback with 2 qualifying transactions by end of next month following card approval (until Aug 31, 2021)
  • 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
Promotion: New cardholders get S$50 cashback with 2 qualifying transactions by end of next month following card approval (until Aug 31, 2021)
Expert Review
Our Experts say...

OCBC Frank Card is a great option for young adults with low-spend budgets. With this card you can earn 6% cashback on online purchases, mobile contactless spend and all FX transactions. To qualify for these rates you only need to spend S$600 every month.

Fees, Rewards and Perks
  • Promotion: New cardholders get S$50 cashback with 2 qualifying transactions by end of next month following card approval (until Aug 31, 2021)
  • 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 Income NeededCitizen: S$30,000
Foreign: S$45,000
Overall Rewards Rate3.28%
Annual FeeS$80.00
Annual Fee Waiver AmountS$10,000

UOB EVOL Card

UOB EVOL Card Card Image

ValueChampion Rating

You could earn
S$1,440
RealValueValueChampion Icon

ValueChampion Rating

PROMO: GET APPLE WATCH OR NINTENDO SWITCH
Annual Income NeededCitizen: S$30,000
Foreign: S$80,000
Overall Rewards Rate3%
Annual FeeS$192.60
Annual Fee Waiver Amountnone
You could earn
S$1,440
RealValueValueChampion Icon
Apply Now
Promotion: Receive either the Apple Watch SE or the Nintendo Switch Lite Console with S$1,000 min spend within 30 days of card approval, first 100 applicants per month (until Aug 16, 2021)
Expert Review
Our Experts say...

UOB EVOL is a great and easy-to-use card for young adults who primarily shop online. With a minimum spend of S$600 per month, you can earn 8% rebate on all online and mobile transactions.

Fees, Rewards and Perks
  • Promotion: Receive either the Apple Watch SE or the Nintendo Switch Lite Console with S$1,000 min spend within 30 days of card approval, first 100 applicants per month (until Aug 16, 2021)
  • Annual fee: S$192.60 (first year- waived)
  • Subsequently waived after you make 3 transactions monthly
  • 8% cashback on online and mobile contactless spend
  • 0.3% cashback on all other spend
  • S$600 min spend, S$60 cashback cap
  • Southeast Asia’s first bio-sourced card
Promotion: Receive either the Apple Watch SE or the Nintendo Switch Lite Console with S$1,000 min spend within 30 days of card approval, first 100 applicants per month (until Aug 16, 2021)
Expert Review
Our Experts say...

UOB EVOL is a great and easy-to-use card for young adults who primarily shop online. With a minimum spend of S$600 per month, you can earn 8% rebate on all online and mobile transactions.

Fees, Rewards and Perks
  • Promotion: Receive either the Apple Watch SE or the Nintendo Switch Lite Console with S$1,000 min spend within 30 days of card approval, first 100 applicants per month (until Aug 16, 2021)
  • Annual fee: S$192.60 (first year- waived)
  • Subsequently waived after you make 3 transactions monthly
  • 8% cashback on online and mobile contactless spend
  • 0.3% cashback on all other spend
  • S$600 min spend, S$60 cashback cap
  • Southeast Asia’s first bio-sourced card
Annual Income NeededCitizen: S$30,000
Foreign: S$80,000
Overall Rewards Rate3%
Annual FeeS$192.60
Annual Fee Waiver Amountnone

CIMB Visa Signature

CIMB Visa Signature Card Image

ValueChampion Rating

You could earn
S$1,260
RealValueValueChampion Icon

ValueChampion Rating

Annual Income NeededCitizen: S$30,000
Foreign: N/A
Overall Rewards Rate2.63%
Annual FeeS$0.00
Annual Fee Waiver Amountnone
You could earn
S$1,260
RealValueValueChampion Icon
Apply Now
Expert Review
Our Experts say...

With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions. In addition to the no annual fee, you can enjoy complimentary travel insurance and concierge service.

Fees, Rewards and Perks
  • 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
Expert Review
Our Experts say...

With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions. In addition to the no annual fee, you can enjoy complimentary travel insurance and concierge service.

Fees, Rewards and Perks
  • 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 Income NeededCitizen: S$30,000
Foreign: N/A
Overall Rewards Rate2.63%
Annual FeeS$0.00
Annual Fee Waiver Amountnone

Best for Getting Cashback on Everyday Purchases

Citi Cash Back Card

Citi Cash Back Card Card Image

ValueChampion Rating

You could earn
S$1,232
RealValueValueChampion Icon

ValueChampion Rating

Annual Income NeededCitizen: S$30,000
Foreign: S$42,000
Overall Rewards Rate2.57%
Annual FeeS$192.60
Annual Fee Waiver Amountnone
You could earn
S$1,232
RealValueValueChampion Icon
Apply Now
Expert Review
Our Experts say...

The Citi Cash Back Card is a good choice for everyday spend, with a generous 8% cash back on groceries, 6% cash back on dining, and discounted petrol at Esso and Shell. Be prepared for the S$800 monthly spend requirement and the annual fee.

Fees, Rewards and Perks
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on groceries
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Cashback capped at S$80/month
Expert Review
Our Experts say...

The Citi Cash Back Card is a good choice for everyday spend, with a generous 8% cash back on groceries, 6% cash back on dining, and discounted petrol at Esso and Shell. Be prepared for the S$800 monthly spend requirement and the annual fee.

Fees, Rewards and Perks
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on groceries
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Cashback capped at S$80/month
Annual Income NeededCitizen: S$30,000
Foreign: S$42,000
Overall Rewards Rate2.57%
Annual FeeS$192.60
Annual Fee Waiver Amountnone

Best No Annual Fee Miles Card

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card Card Image

ValueChampion Rating

You could earn
S$1,196
RealValueValueChampion Icon

ValueChampion Rating

PROMO: USE CODE AUGFLASH FOR S$300 CASHBACK
Annual Income NeededCitizen: S$30,000
Foreign: S$45,000
Overall Rewards Rate2.49%
Annual FeeS$192.60
Annual Fee Waiver AmountS$25,000
You could earn
S$1,196
RealValueValueChampion Icon
Apply Now
Promotion: Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)
Expert Review
Our Experts say...

Our top pick for travelers who want a card without annual fees, the DBS Altitude is free as long as you spend at least S$25,000 in a year. In terms of miles, it earns 3 miles per S$1 of online travel spend and 2 miles per S$1 overseas. You also get Esso petrol discounts up to 14%.

Fees, Rewards and Perks
  • Promotion: Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000/year and receive annual fee waiver + 10,000 bonus miles
  • 1.2 miles per S$1 locally, 2 miles overseas
  • 3 miles per S$1 spend on online shopping, online flight and hotel transactions
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
Promotion: Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)
Expert Review
Our Experts say...

Our top pick for travelers who want a card without annual fees, the DBS Altitude is free as long as you spend at least S$25,000 in a year. In terms of miles, it earns 3 miles per S$1 of online travel spend and 2 miles per S$1 overseas. You also get Esso petrol discounts up to 14%.

Fees, Rewards and Perks
  • Promotion: Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000/year and receive annual fee waiver + 10,000 bonus miles
  • 1.2 miles per S$1 locally, 2 miles overseas
  • 3 miles per S$1 spend on online shopping, online flight and hotel transactions
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
Annual Income NeededCitizen: S$30,000
Foreign: S$45,000
Overall Rewards Rate2.49%
Annual FeeS$192.60
Annual Fee Waiver AmountS$25,000

Great Unlimited Cashback for Affluent Local Spenders

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card Card Image

ValueChampion Rating

You could earn
S$1,158
RealValueValueChampion Icon

ValueChampion Rating

PROMO: GET S$100 CASH CREDIT
Annual Income NeededCitizen: S$30,000
Foreign: S$60,000
Overall Rewards Rate2.41%
Annual FeeS$120.00
Annual Fee Waiver AmountS$10,000
You could earn
S$1,158
RealValueValueChampion Icon
Apply Now
Promotion: 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 Aug 31, 2021)
Expert Review
Our Experts say...

Maybank FC Barcelona Visa Signature card is a great option for high spenders with a mostly local budget, as well as FC Barcelona fans. You can earn unlimited cashback of 1.6% on all local spend, up to 10% discount at FC Barcelona stores, and a fee waiver with annual spend above S$10,000.

Fees, Rewards and Perks
  • Promotion: 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 Aug 31, 2021)
  • 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
Promotion: 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 Aug 31, 2021)
Expert Review
Our Experts say...

Maybank FC Barcelona Visa Signature card is a great option for high spenders with a mostly local budget, as well as FC Barcelona fans. You can earn unlimited cashback of 1.6% on all local spend, up to 10% discount at FC Barcelona stores, and a fee waiver with annual spend above S$10,000.

Fees, Rewards and Perks
  • Promotion: 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 Aug 31, 2021)
  • 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 Income NeededCitizen: S$30,000
Foreign: S$60,000
Overall Rewards Rate2.41%
Annual FeeS$120.00
Annual Fee Waiver AmountS$10,000

American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card Card Image

ValueChampion Rating

You could earn
S$1,156
RealValueValueChampion Icon

ValueChampion Rating

PROMO: GET S$20 CAPITAVOUCHERS
Annual Income NeededCitizen: S$30,000
Foreign: S$60,000
Overall Rewards Rate2.41%
Annual FeeS$176.55
Annual Fee Waiver Amountnone
You could earn
S$1,156
RealValueValueChampion Icon
Apply Now
Promotion: Receive S$20 CapitaVouchers when you apply via MyInfo (until Sep 30, 2021)
Expert Review
Our Experts say...

While it doesn't carry as many travel perks as the Ascend version, the American Express Singapore Airlines KrisFlyer Card is still convenient if you want to earn KrisFlyer miles and potentially receive a strong sign-on bonus - plus the same 20% SPC petrol discount as the Ascend.

Fees, Rewards and Perks
  • Promotion: Receive S$20 CapitaVouchers when you apply via MyInfo (until Sep 30, 2021)
  • Annual fee: S$176.55 (first year- waived)
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
Promotion: Receive S$20 CapitaVouchers when you apply via MyInfo (until Sep 30, 2021)
Expert Review
Our Experts say...

While it doesn't carry as many travel perks as the Ascend version, the American Express Singapore Airlines KrisFlyer Card is still convenient if you want to earn KrisFlyer miles and potentially receive a strong sign-on bonus - plus the same 20% SPC petrol discount as the Ascend.

Fees, Rewards and Perks
  • Promotion: Receive S$20 CapitaVouchers when you apply via MyInfo (until Sep 30, 2021)
  • Annual fee: S$176.55 (first year- waived)
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
Annual Income NeededCitizen: S$30,000
Foreign: S$60,000
Overall Rewards Rate2.41%
Annual FeeS$176.55
Annual Fee Waiver Amountnone

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{"ajaxResults":[{"_id":1,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"New Citibank cardmembers get $200 cash upon activating and spending within 30 days of card approval (only valued this SingSaver promo; not sure if Citi's 30K welcome offer also applies)","value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","buffetPromo":"Complimentary seasonal products at Buffet Town & Kiseki Japanese Buffet Restaurant, 15% off Lobby Lounge at Shangri-La Singapore (& more)","category":["general","shopping","petrol","overseas","promotion"],"cons":"Higher card fees | Limited rewards categories","description":"Best Shopping Credit Card for Miles","editorial":{"perks":"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","reviewLink":"\/citi-rewards-visa-card-review","reviewSummary":"The Citi Rewards Card is one of the most flexible rewards-earning options in Singapore, offering 4 miles per S$1 spent on retail fashion and most online purchases.","tagline":"Best Credit Card for Shopping and Earning Miles"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotels","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"CITISG9","feeText":"S$192.60","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citibank_Rewards_Mastercard_04.15.2020.png","isActiveInTools":true,"issuer":"Citibank","klook":"5% off on Tours and Sightseeing, Activities and Experiences (capped at USD 1,000)","klook_Booking":"Book by Mar.31, 2021","klook_Code":"KLOOKCITIYRO20","latePayment":80,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=83&p=64&ev=affclk&k=dc4ae8f3bcf59a34"},"name":"Citi Rewards Credit Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","promotion_Klook":"S$30 cash via PayNow (existing customers)","pros":"Great for online & offline shopping | Beneficial for frequent travellers ","rating":90,"rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"entertainment":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"general":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"grocery":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend for online groceries, capped at 10,000 Points (4,000miles) per month"},"medical":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"overseas":{"rate":0.4,"text":"10 Pts (4miles) per S$1 Spend for shopping transactions, local and overseas, capped at 10,000 Points (4,000miles) per month. Shopping transactions include purchase of shoes, clothing, or bags; spend at departmental stores; and purchases from online shopping merchants"},"petrol":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"shopping":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend for shopping transactions, local and overseas, capped at 10,000 Points (4,000miles) per month. Shopping transactions include purchase of shoes, clothing, or bags; spend at departmental stores; and purchases from online shopping merchants"},"telecommunications":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"transportation":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend for rides with Grab, Gojek and more, capped at 10,000 Points (4,000miles) per month"},"travel":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend for general retail transactions, capped at 10,000 Points (4,000miles) per month"},"utilities":{"rate":0,"text":"utilities excluded, see Citi's ThankYou points list of excluded MCC codes"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":40},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Up to 4mi\/S$1 spend on fashion retail & all online spend","suppCard":"2 cards free first year, S$96.3 per year afterwards","toc":"Up to 4 miles per S$1 for fashion & online spend","travelPromo":"Up to 10% off bookings with Expedia & Bookings, 8% with Agoda, Hotels & Trip","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: DYSON OR S$350 CASH IN 1ST MO.","ratingCategory1":90,"ratingCategory2":90,"ratingCategory3":90,"active":true,"promotions":[{"promotion":"Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval (until July 31, 2021)","promotionShort":"PROMO: GET DYSON V8 SLIM FLUFFY OR BEOPLAY E8 3RD GEN OR S$350 CASH","promotion2":"Existing cardholders receive S$30 via PayNow (until July 31, 2021)","promotion5":"Promotion: Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":2,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":535,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Welcome Gift: 25,000 Miles = S$250 value-to-consumer; Annual Renewal Bonus: 25,000 Miles = S$250 value-to-consumer","value":250},"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.26,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","buffetPromo":"Up to 20% off select restaurants in Marina Bay Sands, 15% off Lobby Lounge at Shangri-La Singapore (& more)","category":["general","entertainment","grocery","medical","overseas","petrol","shopping","transportation","travel","dining","promotion","taxes"],"cons":"Very high annual fees | Unsuitable for moderate budgets ","description":"Travel Card with Luxury Benefits","editorial":{"perks":"Annual fee: S$535 | 4 miles per S$1 spend on food delivery and home entertainment | 1.3 miles per S$1 local spend, 2 miles overseas | 25,000 annual renewal miles (worth S$250) | 15%-30% annual Citi relationship bonus | Unlimited lounge access, travel insurance, free hotel nights & more","reviewLink":"\/citi-prestige-mastercard-credit-card-review","reviewSummary":"One of the best-in-class options among Singapore's luxury travel credit cards, the Citi Prestige Mastercard combines a strong overseas rewards rate with premium perks like unlimited VIP airport lounge access."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"CITISG15","feeText":"S$535","financeCharges":"20-29%","foreignSalary":120000,"foreignSalaryText":"S$120,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi-prestige-20190404.png","isActiveInTools":true,"issuer":"Citibank","klook":"S$5 off on Tours and Sightseeing, Activities and Experiences (capped at USD 1,000)","klook_Booking":"Book by Mar.31, 2021","klook_Code":"KLOOKCITI20","latePayment":80,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=84&p=65&ev=affclk&k=2584909f1a903f79"},"name":"Citi Prestige Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"Great luxury benefits | Ideal for higher budgets | Great golfing and travel perks","rating":90,"rewardsRate":{"categories":{"dining":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"entertainment":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"general":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"grocery":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"medical":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"overseas":{"rate":2,"text":"2 miles per S$1 Spend for all overseas transactions, unlimited"},"petrol":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"shopping":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"telecommunications":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"transportation":{"rate":1.3,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"travel":{"rate":10,"text":"3.25 Pts (1.3miles) per S$1 Spend for all local transactions, unlimited"},"utilities":{"rate":0,"text":"utilities excluded, see Citi's ThankYou points list of excluded MCC codes"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Unltd lounge access, free travel insurance & bonus hotel nights","suppCard":"1 card free for life","toc":"Unltd. lounge access, bonus hotel nights & more","travelPromo":"Up to 10% off bookings with Expedia & Bookings, 8% with Agoda, Hotels & Trip","type":"Mastercard","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"PROMO: GET S$150 ":"PROMO: DYSON OR S$350 CASH IN 1ST MO.","ratingCategory1":90,"ratingCategory2":95,"ratingCategory3":85,"active":true,"promotions":[{"promotion":"Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval (until July 31, 2021)","promotionShort":"PROMO: GET DYSON V8 SLIM FLUFFY OR BEOPLAY E8 3RD GEN OR S$350 CASH","promotion2":"Existing cardholders receive S$30 via PayNow (until July 31, 2021)","promotion3":"Earn 25 ThankYou points (10 miles) per S$1 spend on hotel bookings at kaligo (until Dec 31, 2021)","promotion5":"Promotion: Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"},{"promotion":"Earn 25 ThankYou points (10 miles) per S$1 spend on hotel bookings at kaligo (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":3,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"21,000 welcome miles; 10,000 renewal miles; S$310 value","value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","buffetPromo":"Complimentary seasonal products at Buffet Town & Kiseki Japanese Buffet Restaurant, 15% off Lobby Lounge at Shangri-La Singapore (& more)","category":["general","dining","grocery","petrol","overseas","promotion"],"cons":"Lacks shopping and entertainment rewards | Not suitable for lower budgets","description":"Great cash back card for average spenders looking to benefit from everyday purchases","editorial":{"perks":"Annual fee: S$192.60 (first year- waived) | 8% cashback on groceries | 6% cashback on dining | Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations | 0.25% cashback on all other purchases | Cashback capped at S$80\/month","reviewLink":"\/citi-cashback-credit-card-review","reviewSummary":"The Citi Cash Back Card is a good choice for everyday spend, with a generous 8% cash back on groceries, 6% cash back on dining, and discounted petrol at Esso and Shell. Be prepared for the S$800 monthly spend requirement and the annual fee.","tagline":"Best for Getting Cashback on Everyday Purchases"},"esso_Disc":"Up to 20.88% fuel savings at Esso","expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$192.60","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi_Cash_Back_Mastercard_04.14.2020.png","isActiveInTools":true,"issuer":"Citibank","klook":"5% off on Tours and Sightseeing, Activities and Experiences (capped at USD 1,000)","klook_Booking":"Book by Mar.31, 2021","klook_Code":"KLOOKCITIYRO20","latePayment":80,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=81&p=62&ev=affclk&k=9165c8f5ba5f3176"},"name":"Citi Cash Back Card","petrolSavings":"Up to 20.88% fuel savings at Esso & Shell","pros":"Great dining and groceries rewards | High petrol discounts","rating":95,"rewardsRate":{"categories":{"dining":{"limit":25,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.08,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 8% for dining expenses, up to S$25 cap. If minimum monthly spend is not met, cashback rate is 0%"},"entertainment":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"general":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"grocery":{"limit":25,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.08,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 8% for grocery expenses, up to S$25 cap. If minimum monthly spend is not met, cashback rate is 0%"},"medical":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"overseas":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"petrol":{"limit":25,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.08,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 8% for petrol expenses, up to S$25 cap. If minimum monthly spend is not met, cashback rate is 0%. (Card membership provides additional opportunity to save up to 20.88% on fuel at Esso and Shell; see additional rebates column)"},"shopping":{"limit":25,"rate":0.0025,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":888,"lowerThreshold":888,"upperRate":0.0025,"lowerRate":0}}],"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"telecommunications":{"limit":25,"rate":0,"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"transportation":{"limit":25,"rate":0.0025,"text":"Minimum monthly spend of S$888 unlocks cashback rate of 8% for Grab Singapore transport expenses, up to S$25 cap. If minimum monthly spend is not met, cashback rate is 0%"},"travel":{"limit":25,"rate":0.0025,"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"},"utilities":{"limit":25,"rate":0,"text":"Minimum monthly spend of S$888 unlocks cashback rate of 0.25% for general\/non-specified retail expenses, no cap. If minimum monthly spend is not met, cashback rate is 0%"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":75},"rewardsType":"cashback","shell_Disc":"Up to 20.88% fuel savings at Shell","standOut":"Up to 8% rebate on groceries & petrol, 6% on dining","suppCard":"2 cards free first year, S$96.3 per year afterwards","toc":"Up to 8% rebate on groceries & petrol, 6% on dining","travelPromo":"Up to 10% off bookings with Expedia & Bookings, 8% with Agoda, Hotels & Trip","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: DYSON OR S$350 CASH IN 1ST MO.","ratingCategory1":95,"ratingCategory2":95,"ratingCategory3":95,"active":true,"spc_Disc":"8% cashback ","promotions":[{"promotion":"Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval (until July 31, 2021)","promotionShort":"PROMO: GET DYSON V8 SLIM FLUFFY OR BEOPLAY E8 3RD GEN OR S$350 CASH","promotion2":"Existing cardholders receive S$30 via PayNow (until July 31, 2021)","promotion3":"Receive 12% cashback credited through Crystal Jade Jadeite Membership (until Dec 31, 2021)","promotion5":"Promotion: Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"},{"promotion":"Receive 12% cashback credited through Crystal Jade Jadeite Membership (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":4,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","buffetPromo":"Complimentary seasonal products at Buffet Town & Kiseki Japanese Buffet Restaurant, 15% off Lobby Lounge at Shangri-La Singapore (& more)","category":["general","grocery","shopping","transportation","dining","entertainment","medical","petrol","promotion"],"cons":"Not suitable for higher budgets | Lacks travel and overseas rewards","description":"Great EZ Link + cash back card for young adults who spend on groceres, online and on taxis","editorial":{"perks":"Annual fee: S$192.60 (first 2 years- waived)|5% cashback on groceries and online spend| 5% on EZ-Link Auto Top-Up SimplyGo | 5% on Taxis and private-hire rides |Up to 14% fuel savings at Esso and Shell | S$600 cap on SMRT$ rebate annually\n","reviewLink":"\/citibank-smrt-platinum-visa-card-review","reviewSummary":"The EZ-Link compatible Citibank SMRT Card earns cashback on daily expenses with no minimum spend required. You get 2% to 5% rebates on groceries, fast food, online shopping, and more - but only up to a monthly cap of S$50."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$192.60","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/citi-smrt-platinum-visa-2","isActiveInTools":true,"issuer":"Citibank","klook":"5% off on Tours and Sightseeing, Activities and Experiences (capped at USD 1,000)","klook_Booking":"Book by Mar.31, 2021","klook_Code":"KLOOKCITIYRO20","latePayment":80,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=158&p=59&ev=affclk&k=a7e89c63f48ea132"},"name":"Citibank SMRT Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"Good rewards rates for modest budgets | SMRT$ rewards on EZ-Reload transactions ","rating":75,"rewardsRate":{"categories":{"dining":{"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.005,"lowerRate":0.047}}],"text":"Total monthly spend below S$300 earns rebate for Dining transactions at 4.7%; spend of S$300 and above unlocks rate of 5%; select merchants include Burger King, KFC, McDonald's, Pizza Hut, Starbucks Coffee, and more"},"entertainment":{"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.005,"lowerRate":0.047}}],"text":"Total monthly spend below S$300 earns rebate for Movies (specifically) at 4.7%; spend of S$300 and above unlocks rate of 5%; select merchants include Cathay Cineplexes, Filmgarde, Golden Village, and Shaw Theatres"},"general":{"rate":0.003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.003,"lowerRate":0}}],"text":"With minimum monthly spend of S$300, general retail spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded for general spend"},"grocery":{"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.05,"lowerRate":0.047}}],"text":"Total monthly spend below S$300 earns rebate for Grocery transactions at 4.7%; spend of S$300 and above unlocks rate of 5%; select merchants include FairPrice outlets, Giant, and Sheng Siong"},"medical":{"rate":0.02,"text":"With minimum monthly spend of S$300, Medical spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded for Medical transactions"},"overseas":{"rate":0.003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.003,"lowerRate":0}}],"text":"With minimum monthly spend of S$300, Overseas spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded"},"petrol":{"rate":0.02,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.02,"lowerRate":0.017}}],"text":"Total monthly spend below S$300 earns rebate for EZ-Reload Auto Top-Up at 1.7%; spend of S$300 and above unlocks rate of 2% (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":0.03,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.03,"lowerRate":0.027}}],"text":"Total monthly spend below S$300 earns rebate for Online shopping transactions at 2.7%; spend of S$300 and above unlocks rate of 3%"},"telecommunications":{"rate":0,"text":"With minimum monthly spend of S$300, Telecommunications spend specifically through Citibank One Bill earns rebate of 1%; if total spend is below minimum, no rebate is awarded"},"transportation":{"rate":0.003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.003,"lowerRate":0}}],"text":"With minimum monthly spend of S$300, Transportation spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded for Transportation transactions"},"travel":{"rate":0.003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":300,"lowerThreshold":300,"upperRate":0.003,"lowerRate":0}}],"text":"With minimum monthly spend of S$300, Travel spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded for Travel transactions - however, card membership offers 10% discount on hotel bookings through Expedia"},"utilities":{"rate":0,"text":"With minimum monthly spend of S$300, Utilities spend earns rebate of 0.3%; if total spend is below minimum, no rebate is awarded"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":50},"rewardsType":"cashback","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"5% everyday rebates w\/S$500 min spend","suppCard":"2 cards free first year, 85.6 per year after 2nd year","toc":"5% everyday rebates w\/S$500 min spend","travelPromo":"Up to 10% off bookings with Expedia & Bookings, 8% with Agoda, Hotels & Trip","type":"Visa","waiverMin":0,"waiverText":"Waived for 2 years","waiverYears":2,"PROMO: GET S$150 ":"PROMO: SHOPEE AND LAZADA DISCOUNTS","ratingCategory1":80,"ratingCategory2":70,"ratingCategory3":75,"active":true,"promotions":[{"promotion":"Use code CITINEW8 to get S$8 off min S$16 spend at Shopee (until Sep 30, 2021)","expiryDate":"2021\/09\/30"},{"promotion2":"Refer a friend and get S$100 cash credit (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":5,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","alternate_link":"https:\/\/singsaver.link\/vc-citi-pmvfw","alternate_text":"Fee Waiver Option","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"S$200 cash on first annual fee payment + 10K renewal miles bonus (worth S$100)","value":300},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","buffetPromo":"Complimentary seasonal products at Buffet Town & Kiseki Japanese Buffet Restaurant, 15% off Lobby Lounge at Shangri-La Singapore (& more)","category":["general","dining","entertainment","grocery","medical","overseas","petrol","shopping","transportation","travel"],"cons":"Lacks luxury perks | Not suitable for occasional travel ","description":"Best Miles Credit Card for Average Consumers","editorial":{"perks":"Annual fee: S$192.60 (first year - waived)| 10,000 bonus annual renewal miles (worth S$100) | 4 miles\/S$1 spend on food delivery and home entertainment| 2 miles\/S$1 spend abroad and 1.2 miles\/S$1 on local spend| Miles earned never expire | Customers can redeem miles with points or for cash | 2 free lounge visits & free travel insurance","reviewLink":"\/citi-premiermiles-visa-card-review","reviewSummary":"While it doesn't have as many perks, the Citi PremierMiles Card offers travelers 2 miles per S$1 on overseas spend and 10,000 annual renewal bonus miles that compensate for its annual fee. Free travel insurance included.","tagline":"Best Travel Card for Average Consumers"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$192.60","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citibank_PremierMiles_Mastercard_04.15.2020.png","isActiveInTools":false,"issuer":"Citibank","klook":"5% off on Tours and Sightseeing, Activities and Experiences (capped at USD 1,000)","klook_Booking":"Book by Mar.31, 2021","klook_Code":"KLOOKCITIYRO20","latePayment":80,"link":{"affiliate":"https:\/\/singsaver.link\/vc-citi-pmvfp"},"name":"Citi PremierMiles Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"Frequent traveler perks |Low fees| Flexible miles redemption","rating":96,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"travel":{"rate":1.2,"text":"EXPIRED: Exclusive travel promotions (end early 2019) include: 10 Miles per S$1 Spend at Kaligo, up to 7 Miles per S$1 Spend at Agoda, and up to 3 Miles per S$1 Spend (or 15% off hotel booking) on Expedia. Standard rate 1.2 Miles per S$1 Spend applies for all other travel-related transactions"},"utilities":{"rate":0,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Earn 2mi\/S$1 overseas, 2 free lounge visits\/yr","suppCard":"Complementary","toc":"45,000 Welcome Citi Miles with S$9,000 spend in 3 mo","travelPromo":"Up to 7 miles\/S$1 spend OR 8% off Agoda hotel bookings; upt to 10% off bookings with Expedia & Bookings","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":94,"ratingCategory2":100,"ratingCategory3":95,"active":false,"promotions":[{"promotion":"New cardholders earn 45,000 miles when you pay the S$192.60 annual fee and spend S$9,000 within the first 3 months (until Aug 31, 2021)","promotionShort":"PROMO: 45,000 MILES WITHIN FIRST 3 MONTHS","promotion2":"Earn 4 Citi Miles per S$1 spent on food delivery and home entertainment (until Aug 31,2021)","promotion5":"Promotion: New cardholders earn 45,000 miles when you pay the S$192.60 annual fee and spend S$9,000 within the first 3 months (until Aug 31, 2021) + Earn 4 Citi Miles per S$1 spent on food delivery and home entertainment (until Aug 31,2021) + more!","expiryDate":"2021\/08\/31"},{"promotion3":"Refer a friend and get S$100 cash credit (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":6,"active":false,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":29.96,"annualSalary":0,"annualSalaryText":"None","apr":0.28,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Not suitable for salaries above S$30,000\/year | Lacks rewards on education and bills ","description":"Dining Discounts for Students & Young Adults","editorial":{"perks":"Annual fee: S$29.96 (first year - waived) | 1 point (0.4 miles) per S$1 spend | No min income required and S$500 credit limit | Exclusive dining deals at over 1,000 eateries in Singapore | Access to Gourmet Pleasures dining programme","reviewLink":"\/citibank-clear-card-review","reviewSummary":"For students who enjoy good food, this card unlocks access to the Citi Gourmet Pleasures program, which includes discount opportunities on both fine dining and takeout. However, the Citi Clear Card only earns points on dining."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$29.96","foreignSalary":0,"foreignSalaryText":"None","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/citi-clear-card-2","isActiveInTools":false,"issuer":"Citibank","klook":"5% off on Tours and Sightseeing, Activities and Experiences (capped at USD 1,000)","klook_Booking":"Book by Mar.31, 2021","klook_Code":"KLOOKCITIYRO20","latePayment":40,"link":{"affiliate":"https:\/\/www.citibank.com.sg\/gcb\/credit_cards\/citi_clear_card.htm"},"name":"Citi Clear Card","pros":"Great for student\/young adult budgets | Good rewards at Starbucks, Dunkin\u2019 Donuts and Subway","rating":77,"rewardsRate":{"categories":{"dining":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"entertainment":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"general":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"grocery":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"medical":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"overseas":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"petrol":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"telecommunications":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"transportation":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"travel":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"},"utilities":{"rate":1,"text":"1 Pt per S$1 Spend for all spend, unlimited"}},"conversion":{"miles":4,"points":10,"rate":0.004,"text":"10 Pts = 4 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Miles for student spend + foodie perks","suppCard":0,"toc":"0.4 miles per S$1 for students, foodie privileges","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: S$20 CASHBACK AVAILABLE IN 1ST MO.","ratingCategory1":75,"ratingCategory2":60,"ratingCategory3":97,"promotions":[{"promotion":"Receive S$20 cashback w\/ S$50 spend in 1st month (until Dec 31, 2021)","promotionShort":"PROMO: GET S$20 CASHBACK IN 1ST MO.","promotion2":"Use code BFCITI followed by 6 digits of your Citi card number to get 15% off at BeautyFresh with no min spend (until Dec 31, 2021)","promotion3":"Get S$8 off with S$20 min spend at Lazada (until Dec 31, 2021)","promotion5":"Promotion: Receive S$20 cashback w\/ S$50 spend in 1st month (until Dec 31, 2021) + Use code BFCITI followed by 6 digits of your Citi card number to get 15% off at BeautyFresh with no min spend (until Dec 31, 2021) +more!","expiryDate":"2021\/12\/31"}]},{"_id":7,"active":false,"annualFee":200,"annualSalary":60000,"annualSalaryText":"S$60,000","apr":0.25,"description":"Best card for people who frequent Australia or New Zealand.","editorial":{"reviewLink":"\/anz-travel-visa-signature-card-review"},"feeText":"S$200","foreignSalaryText":"S$90,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/anz-travel-visa","isActiveInTools":false,"issuer":"ANZ","latePayment":60,"link":{"affiliate":"https:\/\/clk.omgt3.com\/?AID=830094&PID=10485&WID=60562"},"name":"ANZ Travel Visa Signature Card","rating":90,"suppCard":"1 card free 1st year, $100 afterwards","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1},{"_id":8,"active":false,"annualFee":180,"annualSalary":80000,"annualSalaryText":"S$80,000","apr":0.25,"description":"Because of its flexibility, ANZ Optmum World is an ideal card to use with other rewards cards.","editorial":{"reviewLink":"\/anz-optimum-world-mastercard-credit-card-review"},"feeText":"S$180","foreignSalaryText":"S$80,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/ANZ_Optimum","isActiveInTools":false,"issuer":"ANZ","latePayment":60,"link":{"affiliate":"https:\/\/clk.omgt3.com\/?AID=830094&PID=14671&WID=60562"},"name":"ANZ Optimum World MasterCard Credit Card","rating":91,"suppCard":"1st year free, $90 per year","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1},{"_id":10,"active":false,"annualFee":0,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.23,"feeText":"S$0","foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/anz-switch-platinum-mastercard","isActiveInTools":false,"issuer":"ANZ","latePayment":60,"link":{"affiliate":"https:\/\/clk.omgt3.com\/?AID=830094&PID=10485&WID=60562"},"name":"ANZ Switch Platnium Card","type":"Mastercard","waiverMin":0,"waiverText":"No waiver","waiverYears":0},{"_id":9,"active":false,"annualFee":160,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"feeText":"S$160","foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/anz-platinum-visa","isActiveInTools":false,"issuer":"ANZ","latePayment":60,"link":{"affiliate":"https:\/\/clk.omgt3.com\/?AID=830094&PID=10486&WID=60562"},"name":"ANZ Platinum Visa Credit Card","suppCard":"1st year free, $80 per year","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1},{"_id":11,"agoda":"6% off accommodations in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2021","annualFee":321,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Receive S$150 Lazada Vouchers upon payment of Annual Fee. Receive a Samsung 24\u201d FHD Monitor + j5create USB HD Webcam (worth up to S$318) when you spend S$5,000 in the first 3 months of Card Membership.","value":618},"annualSalary":80000,"annualSalaryText":"S$80,000","apr":0.25,"booking":"Complimentary 1 year GENIUS Membership which entitles you to 10% savings and other attractive benefits on select hotels worldwide","booking_Booking":"Activate your membership by Mar.31, 2021","category":["general","shopping","dining","promotion"],"cons":"Lacks luxury travel perks| Limited miles accrual ","description":"Local Luxury Perks for Affluent Singaporeans","editorial":{"perks":"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","reviewLink":"\/american-express-platinum-credit-card-review","reviewSummary":"In addition to earning 3.44 miles per S$1 spent at participating designer brands like Samsonite and IWC, this card includes elite golf and spa benefits for local Singaporeans. But it lacks travel perks and carries a high annual fee."},"expedia":"9% off \"Expedia Rate\" hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"AMEXSG9","feeText":"S$321","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/American_Express_Platinum_04.14.2020.png","isActiveInTools":true,"issuer":"American Express","latePayment":60,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/clk\/495222172;302261466;z","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/clk\/495910226;303258861;j","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/clk\/495222700;302467441;x"},"name":"American Express Platinum Credit Card","petrolSavings":"Up to 20% fuel savings at SPC","pros":"Exclusive local privileges| Great local dining discounts and rewards on designer brands","rating":86,"rewardsRate":{"categories":{"dining":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"entertainment":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"general":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"grocery":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"medical":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"overseas":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"petrol":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"shopping":{"rate":3.4375,"text":"10 Pts (5.5miles) per S$1.60 Spend at Platinum EXTRA Partners like Lee Hwa Jewellery, Peony Jade restaurant and Watches of Switzerland"},"telecommunications":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"transportation":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"travel":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"utilities":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"}},"conversion":{"miles":5.5,"points":10,"rate":0.01,"text":"10 Pts = 5.5 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","standOut":"Exclusive local lifestyle & dining perks","suppCard":"first 2 cards are permanently waived, $160.5 each","toc":"Elite dining & lifestyle perks in SG","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"PROMO: GET S$150 ":"PROMO: GET B&O BEOPLAY E8 3RD GEN IN 1ST 3 MONTHS","ratingCategory1":80,"ratingCategory2":98,"ratingCategory3":80,"active":true,"promotions":[{"promotion":"Receive 1 Night Stay in Premier Courtyard Room at Fullerton Hotel (inclusive of breakfast for 2pax) with S$5,000 min spend within first 3 months of card approval + receive 25,000 MR points upon card approval and payment of annual fees (until Sep 30, 2021)","promotionShort":"PROMO: GET FREE 1NIGHT STAY AT FULLERTON HOTEL","promotion5":"Promotion: Receive 1 Night Stay in Premier Courtyard Room at Fullerton Hotel (inclusive of breakfast for 2pax) with S$5,000 min spend within first 3 months of card approval + receive 25,000 MR points upon card approval and payment of annual fees (until Sept. 30, 2021) + more!","expiryDate":"2021\/09\/30"}]},{"_id":12,"agoda":"6% off accommodations in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2021","annualFee":171.2,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Intro boost to 3%, capped at S$150 bonus","value":20},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"buffetPromo":"Up to 15% savings at Carousel, Royal Plaza on Scotts","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","insurance","promotion"],"cons":"Not suitable for lower budgets | Rewards general spend only","description":"Unlimited 1.5% Flat Cashback + Amex Benefits","editorial":{"perks":"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","reviewLink":"\/american-express-true-cashback-card-review","reviewSummary":"The American Express True Cashback Card grants an unlimited 1.5% cash back to spenders who want to avoid the earning caps that limit rewards potential on other cards. It also gives you access to many of the usual Amex perks."},"expedia":"9% off \"Expedia Rate\" hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"AMEXSG9","feeText":"S$171.20","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/amex-true-cashback","isActiveInTools":true,"issuer":"American Express","latePayment":60,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/clk\/495222382;302467399;p","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/clk\/496193221;303452500;u","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/clk\/494940656;302263785;s"},"name":"American Express True Cashback Card","petrolSavings":"Up to 20% fuel savings at SPC","pros":"Great Amex perks |Straightforward, easy-to-use card","rating":92,"rewardsRate":{"categories":{"dining":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"entertainment":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"general":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"grocery":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"medical":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"overseas":{"rate":0.025,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"petrol":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"shopping":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"telecommunications":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"transportation":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"travel":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"utilities":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","spc_Disc":"Up to 21% fuel savings at SPC","standOut":"1.5% unlimited cashback, boosted to 3% for 1st 6mo","suppCard":"first 2 cards are permanently waived, $85.60 each","toc":"Unlimited 1.5% rebate + Amex benefits","travelPromo":"Up to 10% off bookings with Expedia, 8% with Hotels","type":"American Express","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: RECEIVE S$160 CASHBACK IN FIRST 30 DAYS","ratingCategory1":85,"ratingCategory2":95,"ratingCategory3":95,"active":true,"promotions":[{"promotion":"New cardmembers receive S$20 CapitaVoucher upon 1st transaction within 1st month of card approval. Spend S$500 within first month of card approval and receive S$80 CapitaVoucher (until Sep 30, 2021)","promotionShort":"PROMO: RECEIVE S$80 CAPITA VOUCHERS","promotion5":"Promotion: New cardmembers receive S$20 CapitaVoucher upon 1st transaction within 1st month of card approval. Spend S$500 within first month of card approval and receive S$80 CapitaVoucher (until Sep 30, 2021) + more!","expiryDate":"2021\/09\/30"}]},{"_id":13,"agoda":"6% off accommodations in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2021","annualFee":337.05,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Bonus 26,000 KrisFlyer miles; Double KrisFlyer Miles Accrual Voucher (capped at 5,000 bonus KrisFlyer miles); 1 Mile = S$0.01 value-to-consumer","value":360},"annualSalary":50000,"annualSalaryText":"S$50,000","apr":0.25,"buffetPromo":"Up to 15% savings at Carousel, Royal Plaza on Scotts","category":"[ \"general\" , \"entertainment\" , \"grocery\" , \"medical\" , \"overseas\" , \"petrol\" , \"shopping\" , \"telecommunications\" , \"transportation\" , \"travel\" , \"utilities\" , \"dining\" , \"promotion\"] ","cons":"Not suitable for high overseas spend| High annual fee","description":"Accessible Balance of Miles Rewards & Luxury Perks","editorial":{"perks":"Annual fee: S$337.05 | 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only | 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online | 3.2 miles per S$1 spend on Grab transactions (up to 640 mi\/mo) | 4 free lounge visits\/year, free annual hotel night, travel insurance | Access to Hilton Honors Silver & Krisflyer Elite Gold status","reviewLink":"\/american-express-singapore-airlines-krisflyer-ascend-card-review","reviewSummary":"The American Express Singapore Airlines KrisFlyer Ascend Credit Card delivers a unique combination of luxury travel perks and competitive rewards rates on everyday spending, but its high annual fee may be difficult to manage."},"expedia":"9% off \"Expedia Rate\" hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"AMEXSG9","feeText":"S$337.05","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/amex-krisflyer-ascend","isActiveInTools":true,"issuer":"American Express","klook":"S$10 off Durian Edition Exclusive Packages","klook_Booking":"Valid while stocks last","klook_Code":"DURIANSWITHAMEX","latePayment":60,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/clk\/494941016;302264022;u","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/clk\/495913727;303451102;b","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/clk\/495222403;302264010;k"},"name":"American Express Singapore Airlines KrisFlyer Ascend Credit Card","petrolSavings":"Up to 20% fuel savings at SPC","pros":"Luxury travel perks| Great rewards with Singapore Airlines| Elite travel memberships","rating":83,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency during June and December"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"telecommunications":{"limit":200,"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"transportation":{"limit":200,"rate":3.2,"text":"3.2 Miles per S$1 Spend on Grab Singapore transactions, capped at S$200\/month"},"travel":{"rate":2,"text":"2 Miles per S$1 Spend for eligible purchases made on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online), unlimited"},"utilities":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local 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Luxury Room at Sofitel Sentosa Hotel (no breakfast) and additional 10,000 bonus miles with min spend of S$5,000 within first 3 months of card approval (until Sep 30, 2021) + more!","expiryDate":"2021\/09\/30"}]},{"_id":14,"agoda":"6% off accommodations in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2021","annualFee":176.55,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"5,000 Bonus Miles; 15,000 Bonus Miles; 500 Bonus Miles; (1 Mile = S$0.01 value-to-consumer); S$150 cashback (deal 1); 205+150 = 355","value":355},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"buffetPromo":"Up to 15% savings at Carousel, Royal Plaza on Scotts","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion"],"cons":"Not easy to maximise miles| Lacks airline\/travel rewards aside from SIA","description":"Miles Card for Beginners & Singapore Airline Loyalists","editorial":{"perks":"Annual fee: S$176.55 (first year- waived)| 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only | 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online | 3.1 miles per S$1 spend on Grab transactions (up to 620 mi\/mo) | Free travel insurance | Hertz Gold Plus Rewards & Amex Selects Privileges","reviewLink":"\/american-express-singapore-airlines-krisflyer-card-review","reviewSummary":"While it doesn't carry as many travel perks as the Ascend version, the American Express Singapore Airlines KrisFlyer Card is still convenient if you want to earn KrisFlyer miles and potentially receive a strong sign-on bonus - plus the same 20% SPC petrol discount as the Ascend."},"expedia":"9% off \"Expedia Rate\" hotel bookings","expedia_Booking":"Book by Dec.31, 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book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":80000,"annualSalaryText":"S$80,000","apr":0.25,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","buffetPromo":"1-for-1 lunch & dinner at [email protected] Buffet Restaurant, 15% off at Carousel at Royal Plaza on Scotts (& more)","category":["overseas","shopping","petrol","0_instalment","promotion","no_annual_fee"],"cons":"Lacks travel perks| Limited rewards categories","description":"Shopping Miles Card with 0% Interest Payment Plan","editorial":{"perks":"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","reviewLink":"\/dbs-womans-world-mastercard-credit-card-review","reviewSummary":"This card's benefits are mostly aimed at shoppers, with a strong 20 miles per S$1 spent on online purchases, 6 miles on overseas and 2 miles on all other purchases, and a 0% interest instalment plan for big purchases. 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booking","latePayment":60,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764045;dc_trk_aid=502707037;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764033;dc_trk_aid=502709308;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764036;dc_trk_aid=502382837;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Woman's World Card","petrolSavings":"Up to 14% fuel savings at Esso","promotion_Klook":"S$18 off Klook Activities w\/ S$180 min. spend (Code: KLOOKWC)","pros":"0% interest payment plans available | Good rewards for online shopping | Online purchase protection","rating":73,"rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"entertainment":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"general":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"grocery":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"medical":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"overseas":{"rate":1.2,"text":"3 Pts (6miles) per S$5 Spend for all overseas transactions"},"petrol":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"shopping":{"limit":80,"rate":4,"text":"10 Pts (20miles) per S$5 Spend for Online shopping transactions, on up to S$2,000 spend per month"},"telecommunications":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"transportation":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"travel":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"utilities":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"}},"conversion":{"miles":2,"points":1,"rate":0.01,"text":"1 Pt = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","standOut":"Up to 4 miles\/S$1 spend on online shopping","suppCard":96.3,"toc":"4 miles per S$1 for online shopping","travelPromo":"Up to 10% off bookings with Expedia, Booking & Hotels, 8% with Trip","type":"Mastercard","waiverMin":25000,"waiverText":"Waived for 1 year, subsequently waived for annual spending of S$25,000","waiverYears":1,"PROMO: GET S$150 ":"PROMO: USE CODE 150CASH TO GET S$150 CASH CREDIT","active":true,"ratingCategory1":80,"ratingCategory2":70,"ratingCategory3":70,"promotions":[{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or 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2021)","expiryDate":"2021\/08\/16"},{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","promotionShort":"PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT","promotion2":"Charge min S$25,000 to receive an annual fee waiver","promotion3":"7% off at Chu Collagen (until Dec 31, 2021)","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","expiryDate":"2021\/09\/30"},{"promotion":"Charge min S$25,000 to receive an annual fee waiver","promotion2":"7% off at Chu Collagen (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":16,"active":false,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","buffetPromo":"1-for-1 lunch & dinner at [email protected] Buffet Restaurant, 15% off at Carousel at Royal Plaza on Scotts (& more)","category":["general","dining","entertainment","grocery","petrol","shopping","transportation"],"cons":"Limited online & overseas rewards | Limited rewards categories","description":"Miles for Local Mobile Pay with 0% Interest Instalment Plan","editorial":{"perks":"Annual fee: S$192.60 | 1.2 miles per S$1 spend on local Visa contactless purchases | 0.4 miles on other purchases | 0% Interest Payment Plans | 14% fuel savings at Esso","reviewLink":"\/dbs-black-visa-card-review","reviewSummary":"A rewards rate of 1.2 miles per S$1 spend on contactless purchases in Singapore and a 0% instalment plan make the DBS Black Visa Card interesting for local shoppers, but it's limited by a high annual fee and lack of other perks."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"DBSSG5","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Black_Visa_09.11.19.png","isActiveInTools":false,"issuer":"DBS","klook":"Get 15% off with S$90 min spend (capped at S$15)","klook_Booking":"Valid until Dec.31, 2021","klook_Code":"DBSKL2021","latePayment":60,"link":{"affiliate":"https:\/\/www.dbs.com.sg\/personal\/cards\/credit-cards\/dbs-black-visa-card"},"name":"DBS Black Visa Card","petrolSavings":"Up to 14% fuel savings at Esso","pros":"Great for earning miles for contactless spend| Rewards on local shoppinh |People who make big purchases & pay in instalments","rating":63,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"entertainment":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"general":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"grocery":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"medical":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"overseas":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"petrol":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"shopping":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"telecommunications":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"transportation":{"rate":1.2,"text":"1.2 miles per S$1 spend for local Visa contactless purchases"},"travel":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"utilities":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"}},"conversion":{"miles":2,"points":1,"rate":0.02,"text":"1 Pt = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","suppCard":96.3,"travelPromo":"Up to 10% off bookings with Expedia, Booking & Hotels, 8% with Trip","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":70,"ratingCategory2":60,"ratingCategory3":60,"promotions":[{"promotion":"1-for-1 on all a la carte Lobster Dishes at Peach Garden (until Dec 31, 2021)","promotion2":"Enjoy 9% off hotel bookings on Expedia and 15% off local staycation bookings on Agoda (until Dec 31, 2021)","promotion5":"Promotion: Enjoy 9% off hotel bookings on Expedia and 15% off local staycation bookings on Agoda (until Dec 31, 2021) + more!","expiryDate":"2021\/12\/31"}]},{"_id":18,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":160.5,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","buffetPromo":"1-for-1 lunch & dinner at [email protected] Buffet Restaurant, 15% off at Carousel at Royal Plaza on Scotts (& more)","category":["shopping","dining","travel","entertainment"],"editorial":{"perks":"Annual fee: S$160.50 (first year- waived) | 2 miles per S$1 spend on online purchases | 0.4 miles per S$1 spend on other purchases | 0% Interest Payment Plans | eCommerce protection on online purchases | 14% fuel savings at Esso","reviewSummary":"DBS Woman's Card has great miles earning potential for frequent shoppers and travelers. You can earn 2 miles for every S$1 spend on online purchases, and 0.4 miles on all other spend."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"Hotel bookings code DBSSG9. \"Things to do bookings\" code DBSSG5","feeText":"S$160.50","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Womans_Card_09.11.19.png","isActiveInTools":true,"issuer":"DBS","klook":"Get a S$10 Klook return voucher with S$50 min spend on SingapoRediscovers bookings","klook_Booking":"Valid until June 30, 2021","klook_Code":"Promo code will be sent to your Klook email 24-48 hrs after booking","latePayment":60,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764045;dc_trk_aid=502707037;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764033;dc_trk_aid=502709308;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764036;dc_trk_aid=502382837;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Woman's Card","petrolSavings":"Up to 14% fuel savings at Esso","rewardsRate":{"categories":{"dining":{"rate":2,"text":"2 miles per S$1 spend for general retail transactions"},"entertainment":{"rate":2,"text":"2 miles per S$1 spend for general retail transactions"},"general":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"grocery":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"medical":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"overseas":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"petrol":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"shopping":{"rate":2,"text":"2 miles per S$1 spend for general retail transactions"},"telecommunications":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"transportation":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"},"travel":{"rate":2,"text":"2 miles per S$1 spend for general retail transactions"},"utilities":{"rate":0.4,"text":"0.4 miles per S$1 spend for general retail transactions"}},"conversion":{"miles":2,"points":1,"rate":0.02,"text":"1 Pt = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","suppCard":"1 card free first year, 80.25 per year after 1st year","travelPromo":"Up to 10% off bookings with Expedia, Booking & Hotels, 8% with Trip","type":"Mastercard","waiverMin":15000,"waiverText":"Waived for 1 year, subsequently waived for annual spending of S$15,000","waiverYears":1,"PROMO: GET S$150 ":"PROMO: USE CODE 150CASH TO GET S$150 CASH CREDIT","active":true,"rating":70,"ratingCategory1":70,"ratingCategory2":70,"ratingCategory3":70,"promotions":[{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","promotionShort":"PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT","promotion2":"Charge min S$15,000 to receive an annual fee waiver","promotion3":"7% off at Chu Collagen (until Dec 31, 2021)","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","expiryDate":"2021\/08\/03"},{"promotion":"Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)","promotionShort":"PROMO: USE CODE AUGFLASH TO GET S$300 CASHBACK","promotion2":"Charge min S$15,000 to receive an annual fee waiver","promotion3":"7% off at Chu Collagen (until Dec 31, 2021)","promotion5":"Promotion: Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)","expiryDate":"2021\/08\/16"},{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","promotionShort":"PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT","promotion2":"Charge min S$15,000 to receive an annual fee waiver","promotion3":"7% off at Chu Collagen (until Dec 31, 2021)","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","expiryDate":"2021\/09\/30"},{"promotion":"Charge min S$15,000 to receive an annual fee waiver","promotion2":"7% off at Chu Collagen (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":17,"active":false,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","buffetPromo":"1-for-1 lunch & dinner at [email protected] Buffet Restaurant, 15% off at Carousel at Royal Plaza on Scotts (& more)","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"editorial":{"perks":"Annual fee: S$192.60 (first year- waived )| 0.4 miles per S$1 spend on all purchases | 0% Interest Payment Plans | Up to 15% off on exclusive dining and shopping deals","reviewSummary":"Offering 0.4 miles (0.2 pts) per S$1 spend on all purchases, a 0% Interest Payment Plan and local dining and shopping deals, DBS Black American Express Card is a good starter card for local Singaporeans."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"Hotel bookings code DBSSG9. \"Things to do bookings\" code DBSSG5","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Black_Amex_09.11.19.png","isActiveInTools":false,"issuer":"DBS","klook":"Get a S$10 Klook return voucher with S$50 min spend on SingapoRediscovers bookings","klook_Booking":"Valid until June 30, 2021","klook_Code":"Promo code will be sent to your Klook email 24-48 hrs after booking","latePayment":60,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B23124604.253995545;dc_trk_aid=450400096;dc_trk_cid=120651279;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua="},"name":"DBS Black American Express Card","petrolSavings":"Up to 14% fuel savings at Esso","rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"entertainment":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"general":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"grocery":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"medical":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"overseas":{"rate":0.4,"text":"1 Pt per S$5 Spend for general retail transactions"},"petrol":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"shopping":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"telecommunications":{"rate":0.4,"text":"1 Pt per S$5 Spend for general retail transactions"},"transportation":{"rate":0.4,"text":"0.4 miles per S$1 spend on other purchases"},"travel":{"rate":0.4,"text":"1 Pt per S$5 Spend for general retail transactions"},"utilities":{"rate":0.4,"text":"1 Pt per S$5 Spend for general retail transactions"}},"conversion":{"miles":2,"points":1,"rate":0.02,"text":"1 Pt = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","suppCard":"1 card free first year, 96.3 per year after 1st year","travelPromo":"Up to 10% off bookings with Expedia, Booking & Hotels, 8% with Trip","type":"American Express","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotions":[{"promotion":"1-for-1 on all a la carte Lobster Dishes at Peach Garden (until Dec 31, 2021)","promotionShort":"","promotion2":"Enjoy 9% off hotel bookings on Expedia and 15% off local staycation bookings on Agoda (until Dec 31, 2021)","promotion5":"Promotion: Enjoy 9% off hotel bookings on Expedia and 15% off local staycation bookings on Agoda (until Dec 31, 2021) + more!","expiryDate":"2021\/12\/31"}]},{"_id":19,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Use code 150CASH to get S$150 cashback with min spend of S$800 within 60 days of card approval (valid until Jan. 31)","value":150},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","buffetPromo":"1-for-1 lunch & dinner at [email protected] Buffet Restaurant, 15% off at Carousel at Royal Plaza on Scotts (& more)","category":["dining","entertainment","general","grocery","petrol","shopping","transportation","travel","overseas","0_instalment","promotion"],"cons":"Lacks travel and overseas spend rewards | Not suitable for low budgets ","description":"Versatile Option for Modern Day Consumers","editorial":{"perks":"Annual fee: S$192.60 (first year- waived)| 5% rebate on online spend & visa contactless spend, including games purhases and SimplyGo rides| Additional 5% cashback on sustainable spend (eco-eateries, eco-retailers and eco-transport) | 0.3% cashback on all other spend | Split your income tax, education and insurance payments with 0% interest and no fees with DBS Payment Plan | 14% fuel savings at Esso | Cashback capped at S$75\/month","reviewLink":"\/dbs-live-fresh-card-review","reviewSummary":"This card is good for everyday retail spending, with 5% cashback on both online shopping and in-person contactless purchases, additional 5% cashback on sustainable spend as well as 14% savings at Esso. You'll need to spend at least S$600 a month to get cashback, which is capped at S$20 per category.","tagline":"Best Eco-Friendly Online Shopping Cashback Card"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"Hotel bookings code DBSSG9. \"Things to do bookings\" code DBSSG5","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Live_Fresh_09.11.19.png","isActiveInTools":true,"issuer":"DBS","klook":"Get S$35 off all activities using DBS Live Fresh Card with a min. spend of S$100","klook_Booking":"Valid until Apr.30, 2021","klook_Code":"DBSLF35","latePayment":60,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764051;dc_trk_aid=502704057;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764027;dc_trk_aid=502382120;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764030;dc_trk_aid=502707040;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Live Fresh Card","petrolSavings":"Up to 14% fuel savings at Esso","promotion_Klook":"S$18 off Klook Activities w\/ S$180 min. spend (Code: KLOOKWC)","pros":"Great rewards on contactless payment methods (Visa payWave)| Green cashback on eco-eateries and retailers | Various entertainment discounts and promotions","rating":89,"rewardsRate":{"categories":{"dining":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"entertainment":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"general":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"grocery":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"medical":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"overseas":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"petrol":{"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"shopping":{"rate":0.005,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.005,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 5% for specific shopping expenses (Online purchases, Visa payWave spend), each capped at S$20 for a combined cap of S$40. If minimum monthly spend is not met, cashback rate is 0%"},"telecommunications":{"limit":20,"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"transportation":{"limit":20,"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"travel":{"limit":20,"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"utilities":{"limit":20,"rate":0.0003,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":600,"lowerThreshold":600,"upperRate":0.0003,"lowerRate":0}}],"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3% for general\/non-specified retail expenses, capped across all non-specified retail at S$20. If minimum monthly spend is not met, cashback rate is 0%"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":60},"rewardsType":"cashback","spc_Disc":"Up to 15% fuel savings at SPC","standOut":"Up to 5% rebates on online & contactless spend, additional 5% green cashback","suppCard":64.2,"toc":"All-in-one card w\/ top rebates for online & contactless spend","travelPromo":"Up to 10% off bookings with Expedia, Booking & Hotels, 8% with Trip","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: USE CODE 150CASH TO GET S$150 CASH CREDIT","ratingCategory1":92,"ratingCategory2":90,"ratingCategory3":85,"active":true,"promotions":[{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","promotionShort":"PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","expiryDate":"2021\/08\/03"},{"promotion":"Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)","promotionShort":"PROMO: USE CODE AUGFLASH TO GET S$300 CASHBACK","promotion5":"Promotion: Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)","expiryDate":"2021\/08\/16"},{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","promotionShort":"PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","expiryDate":"2021\/09\/30"},{"promotion2":"Use code DBS10OFF300 to get S$10 off min spend of S$300 at PRISM+ (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":20,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Receive 38,000 miles by entering code \"ALTAF\" or \"DBSALT\" in your application and enjoy first-year card annual fee waiver","value":380},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","buffetPromo":"1-for-1 lunch & dinner at [email protected] Buffet Restaurant, 15% off at Carousel at Royal Plaza on Scotts (& more)","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","0_instalment","taxes","promotion","no_annual_fee"],"cons":"Those willing to pay an annual fee for more bonus miles|Affluent travellers who are willing to pay a high fee for luxury travel perks","description":"Travel Card with Easy Annual Fee Waiver","editorial":{"perks":"Annual fee: S$192.60 (first year- waived)| Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000\/year and receive annual fee waiver + 10,000 bonus miles| 1.2 miles per S$1 locally, 2 miles overseas | 3 miles per S$1 spend on online shopping, online flight and hotel transactions | Miles earned never expire | Free travel insurance, 2x lounge visits, golfing & dining privileges | DBS My Preferred Payment Plan (0% interest instalments)","reviewLink":"\/dbs-altitude-visa-card-review","reviewSummary":"Our top pick for travelers who want a card without annual fees, the DBS Altitude is free as long as you spend at least S$25,000 in a year. In terms of miles, it earns 3 miles per S$1 of online travel spend and 2 miles per S$1 overseas. You also get Esso petrol discounts up to 14%.","tagline":"Best No Annual Fee Miles Card"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"Hotel bookings code DBSSG9. \"Things to do bookings\" code DBSSG5","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS_Altitude_09.11.19.png","isActiveInTools":true,"issuer":"DBS","klook":"Get S$35 off all activities using DBS Altitude card with S$100 min spend","klook_Booking":"Valid until Mar. 31, 2021","klook_Code":"KLOOKTHTALTITUDE","latePayment":60,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764054;dc_trk_aid=502709305;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764021;dc_trk_aid=502704054;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764024;dc_trk_aid=502707031;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Altitude Visa Signature Card","petrolSavings":"Up to 14% fuel savings at Esso","pros":"Great for online travel bookings | No an annual fee","rating":94,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend; additional offer of up to 18% off food items at select restaurants until end of December 2018"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"travel":{"limit":5000,"rate":3,"text":"10 miles per S$1 on Kaligo hotel transactions and Agoda accommodation transactions; 6 miles per S$1 on Expedia flight and hotel transactions; 3 miles per S$1 on all other online flight and hotel transactions"},"utilities":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","spc_Disc":"Up to 15% fuel savings at SPC","standOut":"Free lounge access & golf privileges, waivable fee","suppCard":96.3,"toc":"Fee-waiver & perks like lounge access","travelPromo":"Up to 10% off bookings with Expedia, Booking & Hotels, 8% with Trip","type":"Visa","waiverMin":25000,"waiverText":"Waived for 1 year, subsequently waived for annual spending of S$25,000","waiverYears":1,"PROMO: GET S$150 ":"PROMO: USE CODE 150CASH TO GET S$150 CASH CREDIT","active":true,"ratingCategory1":94,"ratingCategory2":97,"ratingCategory3":90,"promotions":[{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval OR spend S$6,000 within first 90 days and get 38,000 miles (until Sep 30, 2021)","promotionShort":"PROMO: S$200 CASHBACK OR 38,000 MILES","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval OR spend S$6,000 within first 90 days and get 38,000 miles (until Sep 30, 2021)","expiryDate":"2021\/08\/03"},{"promotion":"Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)","promotionShort":"PROMO: USE CODE AUGFLASH FOR S$300 CASHBACK","promotion5":"Promotion: Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)","expiryDate":"2021\/08\/16"},{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval OR spend S$6,000 within first 90 days and get 38,000 miles (until Sep 30, 2021)","promotionShort":"PROMO: S$200 CASHBACK OR 38,000 MILES","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval OR spend S$6,000 within first 90 days and get 38,000 miles (until Sep 30, 2021)","expiryDate":"2021\/09\/30"}]},{"_id":21,"active":false,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. 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combined with Dining and Entertainment, monthly cap at 1,000 Points (400miles)"},"utilities":{"rate":2,"text":"1 Pt (0.4miles) per S$1 Spend, all retail"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 14% fuel savings at Shell","standOut":"Up to 4mi\/S$1 spend on online insurance & bill-pay","suppCard":"Free","toc":"4 miles per S$1 spent online and on contactless payments","travelPromo":"Up to 15% off bookings with expedia, 10% with Agoda & Hotels","type":"Visa","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","PROMO: GET S$150 ":"PROMO: GET UP TO S$200 CASHBACK IN 1ST MO.","active":false,"ratingCategory1":90,"ratingCategory2":95,"ratingCategory3":100,"promotions":[{"promotion":"All new cardholders will receive S$170 cashback with S$500 min spend + S$30 cashback when you apply with MyInfo via Singpass (until Aug 31, 2021)","promotionShort":"PROMO: GET UP TO S$200 CASHBACK IN 1ST MO.","promotion5":"Promotion: All new cardholders will receive S$170 cashback with S$500 min spend + S$30 cashback when you apply with MyInfo via Singpass (until Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":22,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Book by Dec. 31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"S$100 Cashback + Backpacks (S$55, halved for value here); 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","rating":97,"rewardsRate":{"categories":{"dining":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"entertainment":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"general":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"grocery":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"medical":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"overseas":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"petrol":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"shopping":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month 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respectively)"},"travel":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"},"utilities":{"rate":0.035,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":2000,"upperRate":0.035,"lowerRate":0.025}}],"text":"Cashback 3.5% on all spend for Advance customers if monthly spend is above S$2,000, 2.5% if S$2,000 or below, with cashback capped at S$125 per month (2.5% and 1.5% for non-Advance customers, with cashback capped at S$70 per month respectively)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":125},"rewardsType":"cashback","shell_Disc":"Up to 14% fuel 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off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":130},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"buffetPromo":"Up to 50% off a la card dining & select buffets at Fullerton Hotel Singapore","category":["dining","entertainment","general","grocery","medical","overseas","petrol","shopping","telecommunications","transportation","0_instalment","promotion"],"cons":"Not suitable for monthly budgets of S$500+|Lacks local shopping rewards","description":"Cashback on Online Overseas Transactions for Low Spenders","editorial":{"perks":"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","reviewLink":"\/standard-chartered-singpost-spree-credit-card-review","reviewSummary":"Frequent shoppers may find this card useful, with 3% online cashback at foreign retailers, shipping discounts, and a 30-day Online Price Guarantee that gives you 50% of the difference if you find an item selling for less than what you paid."},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code SCBSG9. 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Total combined monthly cap (across all spend) of S$60"},"grocery":{"rate":0.01,"text":"Cashback 1% on all general\/non-specified retail spend. Total combined monthly cap (across all spend) of S$60"},"medical":{"rate":0.01,"text":"Cashback 1% on all general\/non-specified retail spend. Total combined monthly cap (across all spend) of S$60"},"overseas":{"rate":0.03,"text":"Cashback 3% on all online spend in foreign currency and all vPost spend (shipping expenses). Total monthly cap at S$60"},"petrol":{"rate":0.01,"text":"Cashback 1% on all general\/non-specified retail spend. Total combined monthly cap (across all spend) of S$60"},"shopping":{"rate":0.02,"text":"Cashback 2% on all local online spend, including mobile payments. Total monthly cap at S$60"},"telecommunications":{"rate":0.01,"text":"Cashback 1% on all general\/non-specified retail spend. Total combined monthly cap (across all spend) of S$60"},"transportation":{"rate":0.01,"text":"Cashback 1% on all general\/non-specified retail spend. Total combined monthly cap (across all spend) of S$60"},"travel":{"rate":0.01,"text":"Cashback 1% on all general\/non-specified retail spend. Total combined monthly cap (across all spend) of S$60"},"utilities":{"rate":0.01,"text":"Cashback 1% on all general\/non-specified retail spend. Total combined monthly cap (across all spend) of S$60"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":60},"rewardsType":"cashback","standOut":"Cashback on overseas online shopping + shipping discounts","suppCard":"5 free for life cards","toc":"3% rebate online overseas & vPost transactions","travelPromo":"Up to 12% off bookings with Hotels","type":"Visa","waiverMin":0,"waiverText":"Waived for 2 years","waiverYears":2,"PROMO: GET S$150 ":"PROMO: GET S$120 CASHBACK","active":false,"ratingCategory1":90,"ratingCategory2":80,"ratingCategory3":70,"promotions":[{"promotion":"Get S$20 cashback when you apply via SingPass MyInfo (until July 31, 2021)","promotionShort":"PROMO: GET S$20 CASHBACK","promotion5":"Promotion: Get S$20 cashback when you apply via SingPass MyInfo (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":28,"active":false,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Intro promo: S$100 cashback; Additional cashback rate of 5% capped at S$100; Grab App cashback capped at S$30","value":230},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"category":["dining","entertainment","general","grocery","medical","overseas","petrol","shopping","telecommunications","transportation"],"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code SCBSG9. 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Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"general":{"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"grocery":{"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"medical":{"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"overseas":{"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"petrol":{"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"shopping":{"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"telecommunications":{"limit":67,"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"transportation":{"limit":67,"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"travel":{"limit":67,"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"},"utilities":{"limit":67,"rate":0.01,"text":"Monthly spend below S$1,000 earns 0.5% cashback on all transactions; monthly spend between S$1,000 and S$2,999.99 earns 1% cashback rate; monthly spend of S$3,000 and above earns 3% cashback rate. Quarterly (3 month) cap of S$200 (averaged to S$67\/month here)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":67},"rewardsType":"cashback","suppCard":"5 free for life cards","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotions":[{"promotion":"Enjoy up to 16% savings on fuel at Caltex (until Dec 31, 2021)","promotionShort":"GET 16% OFF CALTEX PETROL","promotion5":"Promotion: Enjoy up to 16% savings on fuel at Caltex (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":27,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","alternate_link":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=391&p=287&ev=affclk&k=3b4c6f133f7db622","alternate_text":"Existing Customer","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Intro promo: S$100 cashback; Additional cashback rate of 5% capped at S$100; Grab App cashback capped at S$30","value":230},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code SCBSG9. 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Earn 4 miles per S$1 spend online and mobile contactless payments in a conveniently broad range of categories.","tagline":"Great for Earning Miles on Online and Mobile Contactless Spend"},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$192.60","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.028,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/UOB_Preferred_Platinum_05-2020.png","isActiveInTools":false,"issuer":"UOB","klook":"Up to S$20 off attractions bookings using SingapoRediscovers Vouchers","klook_Booking":"Book by June 30, 2021","klook_Code":"Applied automatically in cart","latePayment":60,"link":{"affiliate":"https:\/\/www.uob.com.sg\/personal\/cards\/credit\/preferred_platinum_visa_card.html"},"name":"UOB Preferred Platinum Visa Card","pros":"Great fit for smaller budgets seeking miles rewards| Rewards online shopping","rating":87,"rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"entertainment":{"rate":4,"text":"10 Pts (20miles) per S$5 Spend for all Online and Contactless Transactions, local and overseas; points earned capped at 2,000 per month (4,000miles)"},"general":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"grocery":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"medical":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"overseas":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"petrol":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"shopping":{"rate":4,"text":"10 Pts (20miles) per S$5 Spend for all Online and Contactless Transactions, local and overseas; points earned capped at 2,000 per month (4,000miles)"},"telecommunications":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"transportation":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"},"travel":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions (online travel bookings are not included within special rate for online purchases)"},"utilities":{"rate":0.4,"text":"1 Pt (2miles) per S$5 Spend for general retail transactions"}},"conversion":{"miles":2,"points":1,"rate":0.01,"text":"1 Pts = 2 Miles"},"totalRewardsMonthlyCap":40},"rewardsType":"miles\/points","shell_Disc":"Up to 13.60% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"Up to 4k miles\/month for online & mobile spend","suppCard":"1 card free forever, 2nd card 1st year waiver, 96.30 afterwards","toc":"Miles for online & mobile contactless spend","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$150 CASH CREDIT","ratingCategory1":90,"ratingCategory2":85,"ratingCategory3":85,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","promotions":[{"promotion":"Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until July 31, 2021)","promotionShort":"PROMO: GET S$150 CASH CREDIT","promotion5":"Promotion: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":30,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":256.8,"annualRewardsPromo":{"isFirstYearOnly":true,"value":150},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","buffetPromo":"Up to 30% off Edge & Hai Tien Lo at Pan Pacific Singapore","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion","no_annual_fee"],"cons":"Doesn't fit infrequent travellers with mostly local budgets| Lacks luxury perks & privileges","description":"Rapid Miles with Fee-Waiver for Above-Average Spenders","editorial":{"perks":"Annual fee: S$256.80 (first year- waived)| Annual fee waived and 20,000 bonus annual renewal miles (worth S$200) with min annual spend of S$50,000 | 1.4 miles\/ S$1 local spend, 2.4 miles\/S$1 overseas | 6 miles\/S$1 spend on Expedia, Agoda and UOB Travel | Complimentary airport transfers & free travel insurance | UOB PRVI Travel Butler & Amex Essentials | Can choose to redeem for miles or cashback","reviewLink":"\/uob-prvi-miles-credit-card-review","reviewSummary":"High spenders and frequent travelers looking to rapidly accrue miles should consider UOB PRVI Miles card. Members can earn 1.4 miles per S$1 spend locally, 2.4 miles overseas and up to 6 miles on purchases with major airlines and hotels.","tagline":"Great No-Fee Miles for Above-Average Spenders"},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$256.80","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-primiles-amex-2","isActiveInTools":true,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend using SingapoRediscovers Vouchers","klook_Booking":"Book by June 30, 2021","klook_Code":"Applied automatically in cart","latePayment":60,"link":{"affiliate":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001333&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001333:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001333&s_cid=pfs:sg:paid:aff:so:na:bu:na:001333:200521-evergreen:na:product:vc&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001333&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001333:200521-evergreen:na:product:vc&vid=valuechampion&pib=false"},"name":"UOB PRVI Miles American Express Card","petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","pros":"Great for rapid miles accrual |Awards high spend on airlines & hotels|No-fee card","rating":93,"rewardsRate":{"categories":{"dining":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"general":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"medical":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"overseas":{"rate":2.4,"text":"2.4 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"},"travel":{"rate":10,"text":"6 Miles per S$1 Spend for online flight and hotel transactions with merchants such as Expedia, Agoda, UOB Travel, and more"},"utilities":{"rate":1.4,"text":"1.4 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 13.60% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"Up to 20k bonus miles & fee waiver w\/ S$50k annual spend","suppCard":"2 card free forever, 128.4 for subsequent cards","toc":"Fee-Waiver + 20k bonus miles, 2.4 miles per $1 overseas","travelPromo":"Up to 50% off bookings with Expedia, 12% off with Agoda","type":"American Express","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$150 CASH CREDIT","active":true,"ratingCategory1":95,"ratingCategory2":95,"ratingCategory3":90,"promotions":[{"promotion":"Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until July 31, 2021)","promotionShort":"PROMO: GET S$150 CASH CREDIT","promotion5":"Promotion: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":31,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":150},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","buffetPromo":"Up to 30% off Edge & Hai Tien Lo at Pan Pacific Singapore","category":["general","utilities","petrol","overseas","grocery","dining","entertainment","promotion","transportation"],"cons":"Doesn't fit high budgets or low\/inconsistent budgets |Annual fee","description":"Maximum Cashback for Stable Budgets","editorial":{"reviewLink":"\/uob-one-card-review","reviewSummary":"If you spend at least S$2,000 per month and want cashback on daily spend and bills, UOB One Card might just be the right fit for you. You can earn up to 5% rebate on general spend, 10% on Grab and 6% on utilities, adding up to S$300\/quarter. This card also gets you petrol discounts at Shell and SPC stations.","tagline":"Great Maximum Cashback for Stable Budgets","perks":"Annual fee: S$192.60 (first year- waived) | 5% rebate on general spend, up to S$300\/quarter (S$2,000 min spend) with min 5 transactions\/mo | Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 6% on utilities bills | 3.33% rebate, up to S$100\/quarter (S$1,000 min spend) | 3.33% rebate, up to S$50\/quarter (S$500 min spend) |0.03% rebate on all spend if no rebate earned for calendar year | Up to 20.80% savings at Shell and 24% at SPC\n"},"expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"UOBSG9","feeText":"S$192.60","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.028,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-one-card-2-horiz","isActiveInTools":true,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","latePayment":60,"link":{"affiliate":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001843&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001843:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001843&s_cid=pfs:sg:paid:aff:so:na:bu:na:001843:200521-evergreen:na:product:vc&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001843&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001843:200521-evergreen:na:product:vc&vid=valuechampion&pib=false"},"name":"UOB One Credit Card","petrolSavings":"Up to 24% fuel savings at SPC, 21.15% at Shell","pros":"Good fit for budgets of at least S$2,000 per month|Easy cashback on daily spend| Gives rebates for paying bills","rating":95,"rewardsRate":{"categories":{"dining":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"entertainment":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"general":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive months earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"grocery":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"medical":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"overseas":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"petrol":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"shopping":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"telecommunications":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"transportation":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"travel":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"},"utilities":{"rate":0.0333,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":2000,"lowerThreshold":500,"upperRate":0.05,"lowerRate":0}}],"text":"Monthly spend below S$500 per month earns no cashback. Monthly spend between S$500 to S$999 for three consecutive moneths earns 3.33% cashback on all transactions, with a quarterly cap at S$50 (avg S$17\/mo). Monthly spend between S$1,000 and S$1,999.99 for three consecutive months earns 3.33% cashback rate, with a quarterly cap at S$100 (avg S$33\/mo). Monthly spend of S$2,000 and above for three consecutive months earns 5% cashback rate, with a quarterly cap of S$300 (avg S$100\/mo)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","shell_Disc":"Up to 21.15% fuel savings at Shell","spc_Disc":"Up to 24% fuel savings at SPC","standOut":"Up to 10% rebate on all spend, S$300\/quarter","suppCard":"1st card free forever, 96.3 for subsequent","toc":"Highest flat rebate on the market, earn up to $300\/qtr","travelPromo":"Up to 50% off bookings with Expedia, 12% off with Agoda","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$150 CASH CREDIT","active":true,"ratingCategory1":95,"ratingCategory2":95,"ratingCategory3":95,"promotions":[{"promotion":"Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until July 31, 2021)","promotionShort":"PROMO: GET S$150 CASH CREDIT","promotion5":"Promotion: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":32,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel, 15% off at Shangri-La Hotel restaurants (& more)","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion"],"cons":"Lacks cashback on essentials (ie groceries, bills)| Cashback capped at S$60\/mo","description":"Everyday Cashback on Online and Contactless Spend","editorial":{"perks":"Annual fee: S$192.60 (first year- waived) | Subsequently waived after you make 3 transactions monthly | 8% cashback on online and mobile contactless spend | 0.3% cashback on all other spend | S$600 min spend, S$60 cashback cap | Southeast Asia\u2019s first bio-sourced card","reviewLink":"\/uob-yolo-card-review","reviewSummary":"UOB EVOL is a great and easy-to-use card for young adults who primarily shop online. With a minimum spend of S$600 per month, you can earn 8% rebate on all online and mobile transactions."},"esso_Disc":"Up to 20.40% fuel savings at Esso","expedia":"S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"UOBSG15","feeText":"S$192.60","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-evol.jpg","isActiveInTools":true,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","latePayment":80,"link":{"affiliate":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001454&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001454:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001454&s_cid=pfs:sg:paid:aff:so:na:bu:na:001454:200521-evergreen:na:product:vc&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001454&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001454:200521-evergreen:na:product:vc&vid=valuechampion&pib=false"},"name":"UOB EVOL Card","petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","pros":"Easy to use cashback card | Annual fee waived with 3 transactions per month | Great for budgets of at least S$600\/month| Rewards all online and mobile spend","rating":91,"rewardsRate":{"categories":{"dining":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"entertainment":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"general":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"grocery":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"medical":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"overseas":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"petrol":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"shopping":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"telecommunications":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"transportation":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"travel":{"rate":0.08,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"},"utilities":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 8% on all online and mobile contactless spend, with a total monthly cap of S$60. If minimum spend is not met, cashback rate of 0.3% applies"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":60},"rewardsType":"cashback","shell_Disc":"Up to 13.60% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60\/month)","suppCard":"First card free, $96.3 after","toc":"Rebates on online and contactless spend with easy fee-waiver","travelPromo":"S$15 off Expedia and up to 12% off bookings with Agoda, 8% with Trip, 6.6% with Booking","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year, then waived with min 3 monthly transactions","waiverYears":2,"PROMO: GET S$150 ":"PROMO: GET S$150 CASH CREDIT","active":true,"ratingCategory1":90,"ratingCategory2":85,"ratingCategory3":98,"promotions":[{"promotion":"Receive either the Apple Watch SE or the Nintendo Switch Lite Console with S$1,000 min spend within 30 days of card approval, first 100 applicants per month (until Aug 16, 2021)","promotionShort":"PROMO: GET APPLE WATCH OR NINTENDO SWITCH","promotion5":"Promotion: Receive either the Apple Watch SE or the Nintendo Switch Lite Console with S$1,000 min spend within 30 days of card approval, first 100 applicants per month (until Aug 16, 2021)","expiryDate":"2021\/08\/16"}]},{"_id":33,"active":false,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":85.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","buffetPromo":"Up to 30% off Edge & Hai Tien Lo at Pan Pacific Singapore","category":["grocery","promotion"],"cons":"Not suitable for everyday essentials spend | Doesn't reward NTUC FairPrice or Sheng Siong spend| Annual fee","description":"Rebate Card for Maximum Savings on Groceries","editorial":{"perks":"Annual fee: S$85.60 (first year- waived)|","reviewLink":"\/uob-delight-credit-card-review","reviewSummary":"UOB Delight is a good fit for those looking for cashback on everyday spend like groceries, petrol and recurring bills. You can earn 8% cashback at select supermarkets,10% off on house brands and 3% off recurring bills."},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$85.60","foreignSalaryText":"S$40,000","fxFee":0.028,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-delight-visa-2","isActiveInTools":false,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","latePayment":60,"link":{"affiliate":"http:\/\/www.uob.com.sg\/personal\/cards\/credit-cards\/rebates-cards\/delight-card.page?ms=paid_affiliate_sg&mt=link_promotion_valuepenguin&s_cid=001847_cashcredit_fixed_tactical&vid=valuepenguin"},"name":"UOB Delight Credit Card","petrolSavings":"Up to 23.2% fuel savings at Shell","promotion5":"Promotion: Now with SimplyGo compatibility, no need for top-ups or multiple cards & earn rewards on your rides","pros":"Rewards grocery and house brands spend | Easy contactless payments| Rewards recurring bill payment","rating":74,"rewardsRate":{"categories":{"dining":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"entertainment":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"general":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"grocery":{"rate":0.08,"text":"Base cash rebate of 0.3% for purchases at select grocery merchants (Cold Storage, Market Place, Jason's, Giant, Guardian); monthly spend of S$400-S$799 unlocks rebate rate of 3%, spend of S$800 and above unlocks rate of 8%; total cash rebate capped at S$50\/month"},"medical":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"overseas":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"petrol":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend (enrolling in UOB Fuel Power unlocks petrol savings up to 24% with partners Shell and SPC)"},"shopping":{"rate":0.03,"text":"Minimum monthly spend of S$400 unlocks cashback rate of 3% for all Contactless Shopping Transactions (Visa payWave)"},"telecommunications":{"rate":0.03,"text":"Minimum monthly spend of S$400 unlocks cashback rate of 3% for recurring Telecommunications bills"},"transportation":{"rate":0.003,"text":"Minimum monthly spend of S$400 unlocks cashback rate of 3% for NETS FlashPay Auto Top-Ups (for MRT\/LRT, public bus, Comfort & CityCab and SMRT taxis, ERP and CEPAS-compliant car park charges)"},"travel":{"rate":0.003,"text":"Base cash rebate rate of 0.3% applies to all non-specified retail spend"},"utilities":{"rate":0.03,"text":"Minimum monthly spend of S$400 unlocks cashback rate of 3% for recurring bills"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"}},"rewardsType":"rebate","shell_Disc":"Up to 13.60% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"Up to 17% cumulative discounts on groceries","suppCard":"1st card free forever, 96.3 for subsequent","toc":"Up to 17% cumulative rebate on groceries, 3% on bills","travelPromo":"Up to 50% off bookings with Expedia, 12% off with Agoda","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotion":"Now with SimplyGo compatibility, no need for top-ups or multiple cards & earn rewards on your rides"},{"_id":34,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","buffetPromo":"Up to 30% off Edge & Hai Tien Lo at Pan Pacific Singapore","category":["dining","entertainment","shopping","transportation","travel"],"editorial":{"perks":"Annual fee: S$192.60| 4 miles (2 UNI$) per S$1 spend on selected category | 0.4 miles per S$1 spend on other purchases | 0% LuxePay interest free payment plan over 6 or 12 mo | e-Commerce Protection on online purchases","reviewSummary":"What makes UOB Lady's Card unique is that it allows you to select a preferred spend category, be it beauty, dining, entertainment or fashion, and accelerate your accrual of miles to 4 miles\/S$1 spend on the selected category, while general spend earns 0.4 miles\/S$1 spend."},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$192.60","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.028,"has_application":false,"image":"singapore_credit_cards\/uob-ladys-platinum.png","isActiveInTools":true,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","latePayment":60,"link":{"affiliate":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001812&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001812:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001812&s_cid=pfs:sg:paid:aff:so:na:bu:na:001812:200521-evergreen:na:product:vc&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001812&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001812:200521-evergreen:na:product:vc&vid=valuechampion&pib=false"},"name":"UOB Lady's Card","rewardsRate":{"categories":{"dining":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"entertainment":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"general":{"rate":0.4,"text":"0.4 mi\/S$1 spend"},"grocery":{"rate":0.4,"text":"0.4 mi\/S$1 spend"},"medical":{"rate":0.2,"text":"1 Pt per S$5 Spend, general retail"},"overseas":{"rate":0.4,"text":"0.4 miles per S$1"},"petrol":{"rate":0.2,"text":"1 Pt per S$5 Spend, general retail"},"shopping":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"telecommunications":{"rate":0,"text":"Not covered"},"transportation":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"travel":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"utilities":{"rate":0,"text":"Not Covered"}},"conversion":{"miles":2,"points":1,"rate":0.01,"text":"1 UNI Pts = 2 Miles"}},"rewardsType":"miles\/points","shell_Disc":"Up to 13.60% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","suppCard":"1st card supplementary, 2nd card $96.30","travelPromo":"Up to 50% off bookings with Expedia, 12% off with Agoda","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":true,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","rating":77,"ratingCategory1":85,"ratingCategory2":70,"ratingCategory3":75},{"_id":35,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":180,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"1-for-1 Saturday high tea buffet at J65 at Hotel Jen, 15% off select restaurants at Amara & Carousel at Royal Plaza on Scotts (& more)","category":["dining","overseas","petrol","transportation","travel","promotion","no_annual_fee"],"cons":"Doesn't reward overseas spend|Few travel perks & privileges| Lacks in rewards for essentials (ie groceries)","description":"Travel Card with High Rewards Rate for Local Spend","editorial":{"perks":"Annual fee: S$180 (waived for three years)| Subsequent annual fee is waived with min annual spend of S$18,000 | 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","reviewLink":"\/maybank-horizon-platinum-visa-card-review","reviewSummary":"Maybank Horizon Visa Signature is a great option for those with high spend on local dining and transport who are looking to earn miles for travel. With this card you can earn 3.2 miles per S$1 spend on local dining, petrol and transportation, as well as 2 miles per S$1 spend abroad.","tagline":"Great Travel Card with High Rewards Rate for Local Spend"},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"MBBSG9","feeText":"S$180","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-horizon-visa-sig","isActiveInTools":true,"issuer":"Maybank","latePayment":50,"link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank Horizon Visa Signature Card","petrolSavings":"Up to 14% fuel savings with select petrol merchants","pros":"High spend on local dining & transport| Great for local spend and miles rewards on travel | 3 years fee waiver","rating":95,"rewardsRate":{"categories":{"dining":{"rate":3.2,"text":"3.2 Miles per S$1 Spend on local dining transactions with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"entertainment":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"general":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"grocery":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"medical":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend on foreign currency transactions with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"petrol":{"rate":3.2,"text":"3.2 Miles per S$1 Spend on petrol transactions with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"shopping":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"telecommunications":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"},"transportation":{"rate":3.2,"text":"3.2 Miles per S$1 Spend on taxi fares with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"travel":{"rate":2,"text":"2 Miles per S$1 Spend on air tickets and travel packages (hotel bookings with Agoda earn 3.2 Miles per S$1 Spend) with minimum monthly spend of S$300; below minimum, base rate of 2 Miles per S$5 Spend applies"},"utilities":{"rate":0.4,"text":"2 Miles per S$5 Spend base rate for local spend in non-specified categories"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":300},"rewardsType":"miles\/points","standOut":"Market-leading 3.2 mi\/S$1 local dining & transport spend","suppCard":"free","toc":"Market-leading 3.2 miles per S$1 select local spend","travelPromo":"Up to 50% off bookings with Expedia, 8% off with Agoda & Trips","type":"Visa","waiverMin":18000,"waiverText":"Waived for 3 years, then subsequently with annual spend of S$18,000","waiverYears":3,"PROMO: GET S$150 ":"PROMO: GET S$100 CASH CREDIT","active":true,"ratingCategory1":92,"ratingCategory2":95,"ratingCategory3":97,"alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604","alternate_text":"Foreigners","promotions":[{"promotion":"Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw at least S$250 for each of the 2 consecutive months upon approval (until Aug 31, 2021)","promotionShort":"PROMO: GET S$100 CASH CREDIT","promotion5":"Promotion: 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 Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":36,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":80,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"Up to 30% off Edge & Hai Tien Lo at Pan Pacific Singapore","category":["general","grocery","entertainment","utilities","promotion","insurance","no_annual_fee"],"cons":"Few extra perks| Doesn't award specialised spend (ie dining, shopping)","description":"Best Entertainment Rebate Card for Social Young Adults","editorial":{"perks":"Annual fee: S$80 (3 years fee waiver)| Subsequently quarterly service fee is waived w\/ card use at least 1x\/quarter | Up to 3.33% on all local and foreign currency spend | $30 quarterly rebate with at least S$300 monthly spend | S$100 quarterly rebate with at least S$1,000 monthly spend | Free travel insurance","reviewLink":"\/maybank-platinum-visa-card-review","reviewSummary":"If you are a young adult with a monthly budget of S$300-S$500\/month looking for a starter card, then you should consider Maybank Platinum Visa. At 3.33% cashback on S300 spend, it offers the highest cashback on low spend on the market. With monthly spend of S$1,000 you can earn up to S$100\/quarter.","tagline":"Great High Flat-Rate Cashback for Low Spenders"},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"MBBSG9","feeText":"S$80","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.028,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-platinum","isActiveInTools":true,"issuer":"Maybank","latePayment":60,"link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank Platinum Visa Card","petrolSavings":"Up to 13.6% fuel savings at Shell","pros":"Great starter card for young adults | Good fit for budgets between S$300 and S$500\/month | S$80 annual fee","rating":91,"rewardsRate":{"categories":{"dining":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"entertainment":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"general":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"grocery":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"medical":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"overseas":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Rebate of 0.3% on all transactions charged in foreign currency, capped at S$50\/mo"},"petrol":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"shopping":{"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"telecommunications":{"limit":3.42,"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"transportation":{"limit":3.42,"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"travel":{"limit":1.71,"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"},"utilities":{"limit":2.56,"rate":0.015,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":300,"upperRate":0.0333,"lowerRate":0}}],"text":"Monthly spend below S$300 earns no cashback. Monthly spend between S$300 and S$999 per month for three consecutive months earns a quarterly cash rebate of S$30 (avg 10\/mo); monthly spend of S$1000 per month for three consecutive months earns a quarterly cash rebate of S$100 (avg S$33\/mo)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":83.33},"rewardsType":"cashback","shell_Disc":"Up to 13.6% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"Up to 3.33% rebate with S$300 min spend, capped at S$100","suppCard":"1st card supplementary, 2nd card $96.30","toc":"Up to 3.33% rebate on local and foreign currency spend","travelPromo":"Up to 50% off bookings with Expedia, 12% off with Agoda","type":"Visa","waiverMin":0,"waiverText":"S$20 quarterly service fee, waived with use of card at least 1x per quarter","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$100 CASH CREDIT","active":true,"ratingCategory1":85,"ratingCategory2":90,"ratingCategory3":98,"alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604","alternate_text":"Foreigners","promotions":[{"promotion":"Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw at least S$250 for each of the 2 consecutive months upon approval (until Aug 31, 2021)","promotionShort":"PROMO: GET S$100 CASH CREDIT","promotion5":"Promotion: 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 Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":38,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":240,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":80000,"annualSalaryText":"S$80,000","apr":0.24,"booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"1-for-1 Saturday high tea buffet at J65 at Hotel Jen, 15% off select restaurants at Amara & Carousel at Royal Plaza on Scotts (& more)","category":["dining","petrol","shopping","overseas","entertainment","promotion","no_annual_fee"],"cons":"Not a good fit for non-golfers or infrequent golfers | Doesn't reward everyday spend| Lacks travel perks and privileges","description":"Global Golf Privileges with Rewards for Luxe Lifestyles","editorial":{"perks":"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%","reviewLink":"\/maybank-world-mastercard-credit-card-review","reviewSummary":"Maybank World MasterCard is one of the best miles-earning golf cards on the market. Members earn 4 miles per every S$1 spend on select dining and luxury retail. Additional perks include 2 free green fees\/month at 120 fairways across 25 countries, free travel insurance and lounge access."},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"MBBSG9","feeText":"S$240","foreignSalary":80000,"foreignSalaryText":"S$80,000","fxFee":0.0275,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-world-mastercard-1","isActiveInTools":true,"issuer":"Maybank","klook":"5% off statewide for new users, withS$20 min spend","klook_Booking":"Valid until Nov.30, 2021","klook_Code":"NEWKLK5","latePayment":50,"link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank World MasterCard","petrolSavings":"Up to 19.1% fuel savings when paired with Corporate Fuel Card","pros":"Great perks for golfers who enjoy local and global courses| Good fit for budgets between S$1,000 to S$2,000 monthly| Awards dining and high-end retail shopping","rating":80,"rewardsRate":{"categories":{"dining":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend on Dining transactions (Select merchants)"},"entertainment":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"general":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"grocery":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"medical":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"overseas":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"petrol":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend on all Petrol purchases (local only); additional discounts up to 19.1% available in combination with Corporate Fuel Card"},"shopping":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend on Shopping transactions (Select merchants)"},"telecommunications":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"transportation":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"travel":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"utilities":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","standOut":"2 free green fees\/month, access to 120+ global fairways","suppCard":"Free","toc":"Free green fees at 120 fairways across 25 countries","travelPromo":"Up to 50% off bookings with Expedia, 8% off with Agoda & Trips","type":"Mastercard","waiverMin":24000,"waiverText":"Waived for annual spending of S$24,000","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$100 CASH CREDIT","active":true,"ratingCategory1":80,"ratingCategory2":75,"ratingCategory3":85,"esso_Disc":"Up to 19.10% fuel savings at Esso","shell_Disc":"Up to 19.10% fuel savings at Esso","spc_Disc":"Up to 19.10% fuel savings at Esso","alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604","alternate_text":"Foreigners","promotions":[{"promotion":"Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw at least S$250 for each of the 2 consecutive months upon approval (until Aug 31, 2021)","promotionShort":"PROMO: GET S$100 CASH CREDIT","promotion5":"Promotion: 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 Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":37,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":180,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.15,"booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"1-for-1 Saturday high tea buffet at J65 at Hotel Jen, 15% off select restaurants at Amara & Carousel at Royal Plaza on Scotts (& more)","category":["dining","grocery","medical","petrol","telecommunications","transportation","overseas","entertainment","promotion"],"cons":"Merchant restrictions| Lacks miles & travel perks","description":"High Flat-Rate Cashback for Low Spenders","editorial":{"perks":"Annual fee: S$180 (3 years fee waiver)| Up to 8% rebate on 5 preferred categories (fast food & food delivery, groceries, transport, petrol discounts & online TV streaming) | Up to S$125 cashback per month with S$800 min spend | 0.3% rebate all other spend","reviewLink":"\/maybank-family-friends-mastercard-credit-card-review","reviewSummary":"Maybank Family & Friends MasterCard is a good option for earning cash back on essential spending with a moderate budget. Earn 5% on groceries, food delivery, transport and more if you spend S$500\/month. If you spend over S$800\/month, the cashback rate increases to 8% with a cap of S$80."},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"MBBSG9","feeText":"S$180","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-family-friends-mastercard-3","isActiveInTools":true,"issuer":"Maybank","latePayment":50,"link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank Family & Friends Card","petrolSavings":"Up to 8% cashback on transport and petrol in Singapore and Malaysia","pros":"Good for budgets of S$800\/month| Awards 8% cashback on 5 categories of your choice| 3 year annual fee waiver | Great to use in Singapore, Malaysia, Indonesia and the Philippines","rating":92,"rewardsRate":{"categories":{"dining":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select dining merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"entertainment":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select leisure and entertainment merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"general":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"grocery":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select grocery merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"medical":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select health and wellness merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"overseas":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$1,000 unlocks rate of 5% for all retail transactions. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"petrol":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select petrol merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"shopping":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"telecommunications":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$1,000 unlocks rate of 5% for all retail transactions. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"transportation":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$500 unlocks rebate of 5% for select transportation merchants (0.3% for non-selected merchants) and monthly spend of S$1,000 unlocks 8% for select merchants (or 5% for non-select merchants). Rebates of 5% and 8% combined are capped at S$600 annually; 0.3% base rate is unlimited"},"travel":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$1,000 unlocks rate of 5% for all retail transactions. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"},"utilities":{"limit":50,"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.003}}],"text":"Base cash rebate of 0.3% applies to all purchases; reaching minimum monthly spend of S$1,000 unlocks rate of 5% for all retail transactions. Rebate at 5% is capped at S$600 annually; 0.3% base rate is unlimited"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":80},"rewardsType":"cashback","standOut":"Up to S$125\/mo with just S$800\/mo spend","toc":"8% cashback with S$800 min. spend requirement","travelPromo":"Up to 50% off bookings with Expedia, 8% off with Agoda & Trips","type":"Visa","waiverMin":12000,"waiverText":"Waived for 3 years","waiverYears":3,"PROMO: GET S$150 ":"PROMO: GET S$100 CASH CREDIT","active":true,"ratingCategory1":90,"ratingCategory2":88,"ratingCategory3":97,"alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6","alternate_text":"Foreigners","promotions":[{"promotion":"Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw at least S$250 for each of the 2 consecutive months upon approval (until Aug 31, 2021)","promotionShort":"PROMO: GET S$100 CASH CREDIT","promotion5":"Promotion: 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 Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":40,"annualFee":150,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"buffetPromo":"1-for-1 lunch & dinner at [email protected] Buffet Restaurant, 15% off at Carousel at Royal Plaza on Scotts (& more)","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Low spenders or those on a fixed budget | Infrequent travelers or those who don't travel to China","description":"Maximize Cashback in Singapore and Mainland China","editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | No additional fees for transactions made in S$ or RMB | 3% fees for RMB withdrawal in Mainland China | Up to 8% cashback | 0.5% cashback on the first S$500 and up to 8% on spending beyond that | Each quarter the maximum cashback is limited to S$50 in the 1st month, S$60 in the 2nd month, and up to S$80 in the 3rd month","reviewLink":"\/icbc-unionpay-dual-currency-credit-card-no-fee-payments-sgd-and-rmb","reviewSummary":"ICBC UnionPay is a good option for those with monthly budgets of around S$1,500 and frequent travelers to Mainland China. In addition to waived fees for RMB transactions, with a monthly spend of at least S$500 you can earn up to 8% cashback on your purchases.","tagline":"Great for No Fee Payments and Cashback in SGD and RMB"},"feeText":"S$150","foreignSalary":48000,"foreignSalaryText":"S$48,000","fxFee":0.03,"has_application":false,"image":"singapore_credit_cards\/icbc_unionpay_dual_currency.jpg","isActiveInTools":false,"issuer":"ICBC","link":{"affiliate":"https:\/\/singapore.icbc.com.cn\/ICBC\/%E6%B5%B7%E5%A4%96%E5%88%86%E8%A1%8C\/%E6%96%B0%E5%8A%A0%E5%9D%A1%E7%BD%91%E7%AB%99\/en\/ProductsServices\/Personal\/Cards\/UnionPayDualCurrencyCreditCard1\/"},"name":"ICBC Unionpay Dual Currency Platinum Card","petrolSavings":"Up to 20.1% fuel savings at SPC","pros":"Frequent travelers to Mainland China | People who spend at least S$1,100 per month","rewardsRate":{"categories":{"dining":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"entertainment":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"general":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"grocery":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"medical":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"overseas":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"petrol":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"shopping":{"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"telecommunications":{"limit":80,"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"transportation":{"limit":80,"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"travel":{"limit":80,"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"utilities":{"limit":80,"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":80},"rewardsType":"cashback","standOut":"Promotional rebates of up to 15% in key spend categories","suppCard":64.2,"toc":"Top promotional rates on daily essentials","travelPromo":"Up to 10% off bookings with Expedia, Booking & Hotels, 8% with Trip","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 3 years","waiverYears":3,"active":false,"promotions":[{"promotion":"Every cardholder can enjoy up to 6 DragonPass points, which include 6 VIP Lounge visits at airports (until Dec 31, 2021)","promotion5":"Promotion: Every cardholder can enjoy up to 6 DragonPass points, which include 6 VIP Lounge visits at airports (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":39,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","buffetPromo":"1-for-1 Saturday high tea buffet at J65 at Hotel Jen, 15% off select restaurants at Amara & Carousel at Royal Plaza on Scotts (& more)","category":["dining","general","grocery","utilities","petrol","medical","0_instalment","promotion","telecom"],"cons":"Not suitable for consistent spend of S$2k+\/mo| Lacks travel rewards| Has an annual fee","description":"Easy Cashback for Everyday Spenders in Singapore & Malaysia","editorial":{"perks":"Annual fee: S$192.60 (first year - waived) | 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend | 8% cash rebates on fuel (up to 21.8% at SPC) | 5% cash rebates on groceries (Sheng Siong) | 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb) | 3% cash rebates on personal care at Watsons | 1% cash rebates on recurring bills with select merchants (capped at S$1\/month) | 0.3% cash rebate on all other spend | DBS Payment Plan: pay 0% interest, up to 6 months","reviewLink":"\/posb-everyday-card-review","reviewSummary":"POSB is one of the best cashback credit cards in Singapore for everyday spend. You can enjoy cash back of up to 10% on food delivery, 5% on groceries and online shopping, 3% on dining , 1% on recurring bills and up to 22.1% savings on petrol at SPC.","tagline":"Great Rebates Card for Everyday Essentials & Personal Care"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"Hotel bookings code DBSSG9. \"Things to do bookings\" code DBSSG5","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/POSB_Everyday_09.11.19.png","isActiveInTools":true,"issuer":"DBS","klook":"Get a S$10 Klook return voucher with S$50 min spend on SingapoRediscovers bookings","klook_Booking":"Valid until June 30, 2021","klook_Code":"Promo code will be sent to your Klook email 24-48 hrs after booking","latePayment":50,"link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764048;dc_trk_aid=502707034;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764039;dc_trk_aid=502704060;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.309764042;dc_trk_aid=502382834;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"POSB Everyday Card","petrolSavings":"Up to 21.8% fuel savings at SPC stations","pros":"Benefits highly diversified spend with large food budgets | Great fit for commuters seeking a convenient, an all-in-one card","rating":90,"rewardsRate":{"categories":{"dining":{"limit":15,"rate":0.1,"text":"10% cashback on online food delivery"},"entertainment":{"rate":0.003,"text":"0.3% on \"everything else\""},"general":{"rate":0.003,"text":"0.3% on \"everything else\""},"grocery":{"limit":30,"rate":0.05,"text":"Cash rebate of 5% for Sheng Siong (grocery merchant), capped at S$30 per calendar month"},"medical":{"rate":0.003,"text":"0.3% on \"everything else\""},"overseas":{"rate":0.003,"text":"0.3% on \"everything else\""},"petrol":{"rate":0.02,"text":"Cash rebate of 2% at select merchant SpeedyCare","limit":15},"shopping":{"limit":15,"rate":0.05,"text":"Get up to 5% cash rebates online with Amazon.sg, Lazada, Qoo10 and Shopee. 3% at Watsons personal care stores and Pet Lovers Centre outlets"},"telecommunications":{"limit":3,"rate":0.03,"text":"Cash rebate of 3%, capped at S$100 spend (equal to S$1 rewards)"},"transportation":{"rate":0.003,"text":"0.3% on \"everything else\""},"travel":{"rate":0.003,"text":"0.3% on \"everything else\""},"utilities":{"limit":3,"rate":0.03,"text":"Cash rebate of 3% for select utilities merchants, capped at S$100"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","spc_Disc":"Up to 21.8% fuel savings at SPC","standOut":"Best for rebates in SG w\/ S$800 min. spend","suppCard":"Free","toc":"Rebates up to 10% in Singapore","travelPromo":"Up to 50% off bookings with Expedia, 8% off with Agoda & Trips","type":"Mastercard","waiverMin":0,"waiverText":"Waived for annual spend of S$12,000","waiverYears":0,"PROMO: GET S$150 ":"PROMO: USE CODE 150CASH TO GET S$150 CASH CREDIT","active":true,"ratingCategory1":94,"ratingCategory2":90,"ratingCategory3":85,"promotions":[{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until 30 Sep 2021)","promotionShort":"PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","expiryDate":"2021\/08\/03"},{"promotion":"Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)","promotionShort":"PROMO: USE CODE AUGFLASH TO GET S$300 CASHBACK","promotion5":"Promotion: Apply with code AUGFLASH code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 2021)","expiryDate":"2021\/08\/16"},{"promotion":"Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until 30 Sep 2021)","promotionShort":"PROMO: USE CODE 200CASH TO GET S$200 CASH CREDIT","promotion5":"Promotion: Use code 200CASH to get S$200 cashback when you apply online via digibank or Myinfo with Singpass and charge min S$800 within 60 days of card approval (until Sep 30, 2021)","expiryDate":"2021\/09\/30"}]},{"_id":41,"annualFee":150,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Those on a fixed monthly budget | People who don't make transactions in USD","description":"Maximize Cashback for Purchases in SGD and USD","editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | No additional fees for transactions made in S$ or USD | 5% fees for USD withdrawals | Up to 8% cashback | 0.5% cashback on the first S$500 and up to 8% on spending beyond that | Maximum cashback is limited to S$30 in the 1st month, S$40 in the 2nd month, and up to S$60 in the 3rd month","tagline":"Great for No Fee Payments in SGD and USD"},"feeText":"S$150","foreignSalary":48000,"foreignSalaryText":"S$48,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/icbcvisadualcurrency.jpg","isActiveInTools":false,"issuer":"ICBC","latePayment":40,"link":{"affiliate":"https:\/\/singapore.icbc.com.cn\/ICBC\/%E6%B5%B7%E5%A4%96%E5%88%86%E8%A1%8C\/%E6%96%B0%E5%8A%A0%E5%9D%A1%E7%BD%91%E7%AB%99\/en\/ProductsServices\/Personal\/Cards\/UnionPayDualCurrencyCreditCard1\/"},"name":"ICBC Visa Dual Currency Platinum Card","pros":"Those who spend at least S$500 per month and no more than S$1,400 | Those who make frequent transactions in USD","rewardsRate":{"categories":{"dining":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"entertainment":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"general":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"grocery":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"medical":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"overseas":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"petrol":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"shopping":{"rate":0.08,"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$60 that third month"},"telecommunications":{"limit":60,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"transportation":{"limit":60,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"travel":{"limit":60,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"},"utilities":{"limit":60,"rate":0.08,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":500,"lowerThreshold":500,"upperRate":0.08,"lowerRate":0.005}}],"text":"Cashback based on qualifying spend across three consecutive months: spend at least S$500 for each of the three months to earn cashback rate of 8% on all retail spend, capped at S$80 that third month"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":60},"rewardsType":"cashback","suppCard":75,"type":"Unionpay","waiverMin":0,"waiverText":"Waived for 3 years","waiverYears":3,"active":false},{"_id":42,"active":false,"agoda":"6% off worldwide hotel bookings","agoda_Booking":"Book by Dec.31, 2021","annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.24,"booking":"Up to 10% cashback at accomodations worldwide","booking_Booking":"Book by May 28, 2021","category":["general","medical","petrol","overseas","dining","promotion","no_annual_fee","transportation"],"cons":"Doesn't award cashback on everyday essentials| No cashback on online spend","editorial":{"perks":"Annual fee: free for life | 10% cashback on dining, medical, transport, petrol & overseas travel | 10% cashback on select electronics\/furnishings vendors | Unlimited 0.2% cashback on all other spend | CIMB 0% Interest i.Pay Instalment Plan","reviewLink":"\/cimb-platinum-mastercard-credit-card-review","reviewSummary":"With no annual fee, CIMB Platinum MasterCard is a great fit if your're looking for cashback on medical spend and home improvement, in addition to other everyday purchases. You can earn 10% on health spend, transport, dining, groceries, travel, electronics and furnishings. With min spend of S$800\/month, you can earn up to S$100 in rebates."},"expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"CIMBSG9","feeText":"None","foreignSalaryText":"N\/A","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-Platinum-MasterCard-2","isActiveInTools":false,"issuer":"CIMB","klook":"6% off transfers and 5% off attractions and tours","klook_Booking":"Valid until Nov. 30,2021","klook_Code":"MCPLATTPSG (transfers) and MCATTN5 (attractions)","latePayment":40,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=382&p=283&ev=affclk&k=618ff0898c6f5217"},"name":"CIMB Platinum Mastercard","petrolSavings":"Up to 10% cashback on transport and petrol (capped at S$20 per month)","pros":"Awards cashback for global transport| Cashback for medical expenses and travel spend in foreign currency | No annual fee credit card","rating":95,"rewardsRate":{"categories":{"dining":{"rate":0.1,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"entertainment":{"rate":0.002,"text":"Cash rebate of 10% on Health\/Beauty\/Wellness transactions, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"general":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"grocery":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"medical":{"rate":0.1,"text":"Cash rebate of 10% on Health\/Beauty\/Wellness transactions, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"overseas":{"rate":0.1,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"petrol":{"rate":0.002,"text":"Cash rebate of 10% on Transport\/Petrol transactions, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"shopping":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"telecommunications":{"limit":20,"rate":0,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"transportation":{"limit":20,"rate":0.1,"text":"Cash rebate of 10% on Transport (NOT EZ-Link)\/Petrol, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"travel":{"rate":0.002,"text":"Cash rebate of 10% on Travel transactions, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Travel, Health\/Beauty\/Wellness [entertainment and medical], Transport\/Petrol) capped at S$100\/month (further spend earns at base 0.2% rate)"},"utilities":{"rate":0,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","standOut":"10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100\/month","suppCard":75,"toc":"10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100\/month","type":"Visa","waiverMin":0,"waiverText":"Waived for 3 years","waiverYears":3,"PROMO: GET S$150 ":"PROMO: GET FITBIT INSPIRE 2 OR S$130 CASH","ratingCategory1":95,"ratingCategory2":90,"ratingCategory3":100,"description":"No-Fee Cashback on Wine & Dine, Medical, Petrol and Travel","promotions":[{"promotion":"New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)","promotionShort":"PROMO: GET S$120 CASH CREDIT","promotion5":"Promotion: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":44,"active":true,"agoda":"(See Agoda or bank website for details)","annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback at accomodations worldwide","booking_Booking":"Book by May 28, 2021","category":["grocery","shopping","travel","overseas","promotion","no_annual_fee"],"cons":"Lacks discounts on transport & petrol|Speciliazed spend| Doesn't fit frequent travellers","description":"No-Fee Cashback on Online Shopping, Groceries and Beauty","editorial":{"perks":"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","reviewLink":"\/cimb-visa-signature-card-review","reviewSummary":"With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions. In addition to the no annual fee, you can enjoy complimentary travel insurance and concierge service."},"expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"CIMBSG9","feeText":"None","foreignSalaryText":"N\/A","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-Visa-Signature-2","isActiveInTools":true,"issuer":"CIMB","latePayment":80,"link":{"affiliate":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-visa-signature.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:valuechamp_","facebookAds":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-visa-signature.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:fb_","googleAds":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-visa-signature.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:google_"},"name":"CIMB Visa Signature","pros":"Rewards online shopping, groceries and beauty spend| Rewards pet spend and cruises | No annual fee credit card","rating":94,"rewardsRate":{"categories":{"dining":{"rate":0.002,"text":"Cash rebate of 10% on Dining, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Online Shopping, Dining, Grocery) capped at S$100\/month (further spend earns at base 0.2% rate)"},"entertainment":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"general":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"grocery":{"rate":0.1,"text":"Cash rebate of 10% on Grocery, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Online Shopping, Dining, Grocery) capped at S$100\/month (further spend earns at base 0.2% rate)"},"medical":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"overseas":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"petrol":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"shopping":{"rate":0.1,"text":"Cash rebate of 10% on Online Shopping, minimum spend S$600, category cap at S$50; overarching rebate cap for all 10% rates (Online Shopping, Dining, Grocery) capped at S$100\/month (further spend earns at base 0.2% rate)"},"telecommunications":{"rate":0,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"transportation":{"rate":0.002,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"travel":{"limit":20,"rate":0.1,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"},"utilities":{"rate":0,"text":"Unlimited cash rebate of 0.2% on all retail spend (local and overseas)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","standOut":"Up to 10% rebate on online shopping, groceries & more","suppCard":"First 2 cards waived for 1st year, 75 each","toc":"10% cashback on online shopping, groceries, beauty and wellness, pet shops and cruises","travelPromo":"Up to 10% off bookings with Expedia & Booking, 8% with Agoda","type":"Mastercard","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","PROMO: GET S$150 ":"PROMO: GET FITBIT INSPIRE 2 OR S$130 CASH","ratingCategory1":93,"ratingCategory2":90,"ratingCategory3":100,"promotions":[{"promotion":"New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)","promotionShort":"PROMO: GET S$120 CASH CREDIT","promotion5":"Promotion: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":43,"active":true,"agoda":"9% off worldwide hotel bookings","agoda_Booking":"Book by Dec.31, 2021","annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":50000,"annualSalaryText":"S$50,000","apr":0.25,"booking":"Up to 10% cashback at accomodations worldwide","booking_Booking":"Book by May 28, 2021","category":["dining","entertainment","overseas","promotion","no_annual_fee"],"cons":"Lack cashback on essentials (ie groceries, bills)|Doesn't reward airline & hotel spend| Doesn't fit monthly budgets of S$3,000\/month and below","description":"No-Fee Unlimited Cashback on Dining, Entertainment and Transport","editorial":{"perks":"Annual fee: free for life | 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 | 50% off green fees at select fairways in Asia | Free travel insurance, access to MasterCard Airport Experiences | CIMB 0% Interest i.Pay Instalment Plan","reviewLink":"\/cimb-world-mastercard-credit-card-review","reviewSummary":"CIMB World MasterCard is a great fit for affluent consumers who spend a lot and like to golf. This card lets you earn 1.5 % unlimited cashback on general spend and 2% on wine and dine, entertainment, automobile and duty free, both at home and abroad. In addition, you will never have to pay an annual fee."},"expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"CIMBSG9","feeText":"None","foreignSalaryText":"N\/A","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-World-MasterCard-2","isActiveInTools":true,"issuer":"CIMB","klook":"9% off transfers and 5% off attractions and tours","klook_Booking":"Valid until Nov. 30,2021","klook_Code":"MCWORLDTPSG (transfers) and MCATTN5 (attractions)","latePayment":80,"link":{"affiliate":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-world-mastercard.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:valuechamp_","facebookAds":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-world-mastercard.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:fb_","googleAds":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-world-mastercard.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:google_"},"name":"CIMB World Mastercard","petrolSavings":"Up to 10% cashback on petrol in SG","pros":"Great fit for big leisure budgets| Rewards dining, entertainment and duty free shopping| Perks for avid golfers| No-fee & maintenance free cashback card","rating":95,"rewardsRate":{"categories":{"dining":{"rate":0.02,"text":"Cashback 1% on all spend, no minimum, no cap"},"entertainment":{"rate":0.02,"text":"Cashback 1% on all spend, no minimum, no cap"},"general":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"grocery":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"medical":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"overseas":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"petrol":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"shopping":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"telecommunications":{"rate":0,"text":"Cashback 1% on all spend, no minimum, no cap"},"transportation":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"travel":{"rate":0.015,"text":"Cashback 1% on all spend, no minimum, no cap"},"utilities":{"rate":0,"text":"Cashback 1% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Unlimited 2% cashback on wine and dine, entertainment and 50% off green fees","suppCard":"First 2 cards waived for 1st year, 75 each","toc":"Unlimited 2% cashback on wine and dine, entertainment and 50% off green fees","travelPromo":"Up to 10% off bookings with Expedia & Booking, 8% with Agoda","type":"Mastercard","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","PROMO: GET S$150 ":"PROMO: GET FITBIT INSPIRE 2 OR S$130 CASH","ratingCategory1":96,"ratingCategory2":90,"ratingCategory3":100,"promotions":[{"promotion":"New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)","promotionShort":"PROMO: GET S$120 CASH CREDIT","promotion5":"Promotion: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":45,"active":true,"annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.25,"booking":"Up to 10% cashback at accomodations worldwide","booking_Booking":"Book by May 28, 2021","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion","no_annual_fee"],"cons":"Not suitable for spenders with local budgets| Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers ","description":"No-Fee Unlimited Cashback Card for Affluent Socialites","editorial":{"perks":"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","reviewLink":"\/cimb-visa-infinite-credit-card-review","reviewSummary":"CIMB Visa Infinite Credit Card is a great fit for golf-loving travellers who spend a lot overseas. It offers 2% unlimited cashback on all travel expenses and overseas spend, 1% cashback on all other spend, as well as free travel insurance, discounted limo transfers and 3 complimentary lounge visits per year."},"expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"CIMBSG9","feeText":"None","foreignSalaryText":"N\/A","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-Visa-Infinite-2","isActiveInTools":true,"issuer":"CIMB","latePayment":80,"link":{"affiliate":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-visa-infinite.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:valuechamp_","facebookAds":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-visa-infinite.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:fb_","googleAds":"https:\/\/www.cimb.com.sg\/en\/personal\/banking-with-us\/cards\/credit-cards\/cimb-visa-infinite.html?cid=a1:pb_a2:cc_a3:valuechamp_a4:10621_a5:afl_a6:google_"},"name":"CIMB Visa Infinite","pros":"Best fit for monthly budgets above S$2,000 | Unlimited 2% cashback on travel, overseas and online | No annual fee credit card","rating":94,"rewardsRate":{"categories":{"dining":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"entertainment":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"general":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"grocery":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"medical":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"overseas":{"rate":0.02,"text":"Minimum monthly spend of S$2,000 unlocks cash rebate rate of 2% for Overseas\/Foreign Currency transactions, unlimited; if spend is below monthly minimum, base rate of 1% applies"},"petrol":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"shopping":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"telecommunications":{"rate":0,"text":"Cashback 1% on all spend, no minimum, no cap"},"transportation":{"rate":0.01,"text":"Cashback 1% on all spend, no minimum, no cap"},"travel":{"rate":0.02,"text":"Minimum monthly spend of S$2,000 unlocks cash rebate rate of 2% for Travel transactions, unlimited; if spend is below monthly minimum, base rate of 1% applies"},"utilities":{"rate":0,"text":"Cashback 1% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Unlimited 2% cashback on travel, overseas and online spend in foreign currencies","suppCard":"First 2 cards waived for 1st year, 75 each","toc":"Unlimited 2% cashback on travel, overseas and online spend in foreign currencies","travelPromo":"Up to 10% off bookings with Expedia & Booking, 8% with Agoda","type":"Visa","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","PROMO: GET S$150 ":"PROMO: GET FITBIT INSPIRE 2 OR S$130 CASH","ratingCategory1":93,"ratingCategory2":90,"ratingCategory3":100,"promotions":[{"promotion":"New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)","promotionShort":"PROMO: GET S$120 CASH CREDIT","promotion5":"Promotion: New cardholders get S$120 cash credit with S$500 min spend for two consecutive months following card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":46,"active":true,"agoda":"7% off accomodation worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":488,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.26,"booking":"Up to 10% cashback","booking_Booking":"Book by Nov.30, 2021","buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel, 15% off at Shangri-La Hotel restaurants (& more)","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","promotion"],"cons":"High S$488 annual fee (no waiver) | Recurring bills ineligible for rewards | Access to limo transfers requires S$3,000 minimum spend","description":"Luxury Travel Card with High Miles for Local Dining","editorial":{"perks":"Annual fee: S$488 (with 15,000 VOYAGE Miles) | 2.2 miles per S$1 overseas and dining spend | 1.3 miles per S$1 local spend |1 mile per S$1 spend on AXS Pay + Earn transactions | Up to 19% fuel savings with Caltex | No miles conversion fees and no black-out dates | Unlimited lounge access, free travel insurance and VISA Infinite Exclusive Benefits| 2 complimentary limo transfers\/mo with S$5,000 min spend (local or overseas) | eCommerce purchase protection","reviewLink":"\/ocbc-voyage-card-review","reviewSummary":"If you're looking for a flexible travel card, then OCBC Voyage might be the one for you. Not only does it offer 1.2 miles per S$1 local spend, 1.6 miles for dining and 2.3 miles per S$1 on overseas spend, but you can also enjoy travel perks such as free travel insurance and global concierge service."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"OCBCSG9","feeText":"S$488","foreignSalary":120000,"foreignSalaryText":"S$120,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/OCBC-Voyage.png","isActiveInTools":true,"issuer":"OCBC","klook":"S$5 off with S$50 min spend (new customers only)","klook_Booking":"Valid until Dec.31, 2021","klook_Code":"KLOOKOCBC21N","latePayment":60,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/voyage-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/voyage-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/voyage-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC VOYAGE Card","petrolSavings":"Up to 20% fuel savings at Sinopect 19% at Caltex, 14% at Esso","pros":"2.2 miles per S$1 overseas and dining spend | 1.3 miles per S$1 local general | 15,000 annual bonus renewal miles (worth S$150) | Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more | Up to 19% fuel savings with Caltex","rating":85,"rewardsRate":{"categories":{"dining":{"rate":1.6,"text":"1.6 Miles per S$1 Spend for local dining transactions"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"overseas":{"rate":2.4,"text":"2.3 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"travel":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"utilities":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"}},"rewardsType":"miles\/points","standOut":"Boosted miles rewards for local dining spend","suppCard":"First year waived for 2 cards, $188","toc":"Flexible miles redemption, boosted rewards for local dining","travelPromo":"S$15 off Expedia and up to 12% off bookings with Agoda, 8% with Trip, 6.6% with Booking","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"ratingCategory1":90,"ratingCategory2":90,"ratingCategory3":75,"promotions":[{"promotion":"New cardholders get 15,000 Voyage Miles (equivalent to S$150 cash) along with S$300 worth of The Warehouse Hotel vouchers with min spend of S$1,500 (until Aug 31, 2021)","promotionShort":"PROMO: GET 15,000 VOYAGE MILES","promotion5":"Promotion: New cardholders get 15,000 Voyage Miles (equivalent to S$150 cash) along with S$300 worth of The Warehouse Hotel vouchers with min spend of S$1,500 (until Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":48,"agoda":"7% off accomodation worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.25,"booking":"Up to 10% cashback","booking_Booking":"Book by Nov.30, 2021","category":["dining","grocery","petrol","telecommunications","transportation","travel","utilities","promotion","no_annual_fee"],"cons":"0.3% rebate on general spend | 0.3% rebate on EZ-Link & Transitlink is capped at S$0.6\/month | High S$800 minimum spend requirement","description":"Diverse Cashback With an Easy Fee Waiver","editorial":{"perks":"Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000) | 6% rebate on local, overseas dining & online food delivery | 3% rebate on local, overseas and online groceries | 3% rebate on land transport, utilities (telco and electricity bills) & online travel | 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso) | 0.3% cashback on all other spend | Visa Signature Privileges","reviewLink":"\/ocbc-365-card-review","reviewSummary":"OCBC 365 Card offers one of the best cashback rates for essentials on the market. You can earn 6% cashback on dining and food delivery, 3% on groceries, transport, bills and online travel. In addition, it offers petrol discounts of 22.1% at Caltex and 20.2% at Esso. You can waive your annual fee with just S$10,000 of annual spend.","tagline":"Great Everyday Cashback on Essentials"},"esso_Disc":"Up to 20.2% fuel savings at Esso","expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"OCBCSG9","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/ocbc-365-visa","isActiveInTools":true,"issuer":"OCBC","latePayment":80,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/365-cashback-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/365-cashback-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/365-cashback-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC 365 Credit Card","petrolSavings":"Up to 22.1% savings at Caltex, 20.2% at Esso and 5% cashback at all other petrol stations","pros":"6% rebate on dining, 3% on groceries, transport, recurring bills, online travel | Fee waiver with S$10,000 annual spend | Up to 22.1% fuel savings at Caltex, 20.2% at Esso","rating":86.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":800,"lowerThreshold":800,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 6% for dining expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"entertainment":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"general":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"grocery":{"rate":0.03,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":800,"lowerThreshold":800,"upperRate":0.03,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for grocery expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"medical":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"overseas":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"petrol":{"rate":0.05,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":800,"lowerThreshold":800,"upperRate":0.05,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 5% for petrol expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"shopping":{"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$80"},"telecommunications":{"rate":0.03,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":800,"lowerThreshold":800,"upperRate":0.03,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for telecommunications expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"transportation":{"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for land transport expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"travel":{"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for travel expenses; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"},"utilities":{"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 3% for utility expenses (electricity bills); if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$80"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":80},"rewardsType":"cashback","standOut":"High travel & dining cashback plus exclusive travel deals","suppCard":"First 2 cards waived for 1st year, 75 each","toc":"6% rebate on dining, 3% rebate on groceries, utilities and travel, Visa Concierge Services","travelPromo":"Up to 10% off bookings with Expedia & Booking, 8% with Agoda","type":"Visa","waiverMin":10000,"waiverText":"Waived for 2 years with min spend of S$10,000\/year","waiverYears":2,"PROMO: GET S$150 ":"PROMO: GET UP TO S$120 CASHBACK ON YOUR INSURANCE","active":true,"ratingCategory1":90,"ratingCategory2":80,"ratingCategory3":90,"promotions":[{"promotion":"Receive up to S$250 cashback when you apply and spend min S$1,000\/mo for 2 consecutive months, first 800 new cardmembers (until July 31, 2021)","promotionShort":"PROMO: GET UP TO S$250 CASHBACK ","promotion2":"Earn up to S$120 cashback on your insurance by signing up for monthly recurring payments with your OCBC 365 credit card, first 5,000 customers to register (until July 31, 2021)","promotion5":"Promotion: Receive up to S$250 cashback when you apply and spend min S$1,000\/mo for 2 consecutive months, first 800 new cardmembers + Earn up to S$120 cashback on your insurance (until July 31, 2021) + more!","expiryDate":"2021\/07\/31"}]},{"_id":47,"agoda":"7% off accomodation worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback","booking_Booking":"Book by Nov.30, 2021","buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel, 15% off at Shangri-La Hotel restaurants (& more)","category":["shopping","petrol","overseas","promotion","no_annual_fee"],"cons":"1 pt (0.4 miles) per S$1 other spend | Earnings capped at 4,000 mi\/mo (worth S$40)","description":"Specialised Shopping Card with Easy-to-Waive Fee","editorial":{"perks":"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","reviewLink":"\/ocbc-titanium-mastercard-credit-card-review","reviewSummary":"OCBC Titanium Card offers some of the best miles rewards for frequent retail shoppers. You can earn 4 miles per S$1 spend on fashion, electronics and other select merchants such as Amazon and Lazard and general spend earns 0.4 miles per S$1. In addition, S$10,000 annual spend earns a fee waiver."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"OCBCSG9","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/ocbc-titanium-rewards-mastercard","isActiveInTools":true,"issuer":"OCBC","latePayment":80,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/titanium-rewards-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/titanium-rewards-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/titanium-rewards-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC Titanium Rewards Credit Card","petrolSavings":"Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso","promotion":"New cardholders get welcome gift vouchers worth up to S$300 via STACK loyalty platform within 7 business days of card approval","promotion5":"Promotion: New cardholders get welcome gift vouchers worth up to S$300 via STACK loyalty platform within 7 business days of card approval","pros":"10 pts (4 miles) per S$1 on fashion & select retail (Qoo10, Amazon, & more) | Fee waiver with S$10,000 annual spend | Lounge & JetQuay Quayside access | Up to 16% fuel savings with Caltex, 14% with Esso","rating":88.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"entertainment":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"general":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"grocery":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"medical":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"overseas":{"rate":0.4,"text":"10 Pts (4miles) per S$1 Spend on Shopping, Online, and Department Store transactions (local and overseas); points capped at 120,000\/year (48,000miles\/year) at this rate and further points are earned at rate of 1 Pt (0.4miles) per S$1 Spend"},"petrol":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"shopping":{"rate":4,"text":"10 Pts (4miles) per S$1 Spend on Shopping, Online, and Department Store transactions (local and overseas); points capped at 120,000\/year (48,000miles\/year) at this rate and further points are earned at rate of 1 Pt (0.4miles) per S$1 Spend"},"telecommunications":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"transportation":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"travel":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"},"utilities":{"rate":0.4,"text":"1 Pt (0.4miles) per S$1 Spend, all non-specified retail"}},"conversion":{"miles":2,"points":5,"rate":0.01,"text":"5 Pts = 2 Miles"},"totalRewardsMonthlyCap":40},"rewardsType":"miles\/points","standOut":"4 mi\/S$1 on fashion & merchants like Amazon, Lazada","suppCard":"First 2 years free, $96.3 after","toc":"4 miles per S$1 on fashion & select retail","travelPromo":"S$15 off Expedia and up to 12% off bookings with Agoda, 8% with Trip, 6.6% with Booking","type":"Mastercard","waiverMin":10000,"waiverText":"Waived 2 years, & subsequently with S$10,000 annual spend","waiverYears":2,"promotionShort":"PROMO: GET VOUCHERS WORTH S$300","PROMO: GET S$150 ":"PROMO: REDEEM 10,000 KRISFLYER MILES","active":true,"ratingCategory1":90,"ratingCategory2":85,"ratingCategory3":90,"promotion2":"Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$"},{"_id":49,"agoda":"7% off accomodation worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":80,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback","booking_Booking":"Book by Nov.30, 2021","buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel, 15% off at Shangri-La Hotel restaurants (& more)","category":["dining","entertainment","general","grocery","shopping","petrol","promotion","no_annual_fee","transportation"],"cons":"0.3% rebate on general purchases | Annual fee after 2 years | Capped cashback at S$75","description":"Earn 6% on all online purchases, in-store contactless mobile payments and in-store foreign currency spend","editorial":{"perks":"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","reviewLink":"\/ocbc-frank-card-review","reviewSummary":"OCBC Frank Card is a great option for young adults with low-spend budgets. With this card you can earn 6% cashback on online purchases, mobile contactless spend and all FX transactions. To qualify for these rates you only need to spend S$600 every month."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"OCBCSG9","feeText":"S$80","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/frank-ocbc-visa.jpg","isActiveInTools":true,"issuer":"OCBC","latePayment":60,"link":{"affiliate":"https:\/\/www.frankbyocbc.com\/products\/cards\/credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.frankbyocbc.com\/products\/cards\/credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.frankbyocbc.com\/products\/cards\/credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC FRANK Credit Card","petrolSavings":"Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso","pros":"6% rebate on online, mobile contactless, and FX spend | Fee waiver with S$10,000 annual spend","rating":80,"rewardsRate":{"categories":{"dining":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"entertainment":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"general":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"grocery":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"medical":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"overseas":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"petrol":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"shopping":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"telecommunications":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"transportation":{"limit":25,"rate":0.03,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"},"travel":{"rate":0.06,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":100,"lowerThreshold":100,"upperRate":0.06,"lowerRate":0.003}}],"text":"Minimum monthly spend of S$100 (min is really S$600 but divide this by 6 across dining, entertainment, grocery, shopping, overseas, travel) unlocks cashback rate of 6% for contactless in-store transactions; if min monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$75 (S$25 for each of 3 groups: online\/app spend; in-store Apple\/Google\/Samsung Pay mobile payments + Foreign Currency spend; and all other spend at 0.3% rewards rate)"},"utilities":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for general\/non-specified retail expenses; total monthly cashback capped at S$75 (within this, S$25 cap for \"all other\" purchases at 0.3% rewards rate)"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":75},"rewardsType":"cashback","standOut":"6% rebate on FX, online, and mobile purchases after just S$600 monthly spend","suppCard":"First 2 years free, $40 after","toc":"Up to 6% rebate for FX, online and mobile purchases, low S$600 min. spend requirement","travelPromo":"S$15 off Expedia and up to 12% off bookings with Agoda, 8% with Trip, 6.6% with Booking","type":"Visa","waiverMin":10000,"waiverText":"Waived 2 years, & subsequently with S$10,000 annual spend","waiverYears":2,"PROMO: GET S$150 ":"PROMO: USE CODE VISA15OFF TO GET 15% OFF ZALORA","active":true,"ratingCategory1":85,"ratingCategory2":60,"ratingCategory3":95,"promotions":[{"promotion":"New cardholders get S$50 cashback with 2 qualifying transactions by end of next month following card approval (until Aug 31, 2021)","promotionShort":"PROMO: GET S$50 CASHBACK","promotion2":"Existing customers get S$20 cashback upon making 2 qualifying transactions by end of next month following card approval (until Aug 31, 2021)","promotion5":"Promotion: New cardholders get S$50 cashback with 2 qualifying transactions by end of next month following card approval (until Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":50,"active":false,"annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":120},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"category":["general","shopping"],"cons":"People who like shopping at a variety of stores|Consumers with consistent S$2k\/month budgets|Those looking for a flexible everyday card","description":"Top Rebates & Perks for Frequent Robinsons Group Store Shoppers","editorial":{"perks":"Annual fee: S$192.60 (first year - waived) |5% rebate on 1st S$5k spend w\/ Robinsons every 6mo, 10% on amts above | 0.5 Robs$ per S$1 general local spend (worth about 0.25%\u20130.31% cashback) | 1.5 Robs$ per S$1 overseas spend (worth about 0.75%\u20130.94% cashback) | Bi-annnual 25% off discount letter w\/ S$500 Robinsons or Mark & Spencer spend | 1-Hr free weekend parking at select malls w\/ S$50+ in-store spend | 0% interest instalment plans for Robinsons Group transactions of S$250+","reviewLink":"\/ocbc-robinsons-group-credit-card-review","reviewSummary":"OCBC Robinsons Group Credit Card offers great rebates for frequent Robinsons shoppers. You can earn 5% cashback on first S$5,000 Robinson spend within a 6-month period, and an additional 10% for amounts exceeding that."},"feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/OCBC_Robinsons_Group_Card_04.15.2020.png","isActiveInTools":false,"issuer":"OCBC","latePayment":60,"link":{"affiliate":"https:\/\/singsaver.link\/vc-ocbc-rob"},"name":"OCBC Robinsons Group Credit Card","promotion":"Receive & use card instantly when you apply via MyInfo","promotion5":"Promotion: Receive & use card instantly when you apply via MyInfo","pros":"Consumers who shop mostly with Robinsons Group stores|People with a S$850+\/mo shopping budget|Individuals who shop for the entire household","rating":65,"rewardsRate":{"categories":{"dining":{"rate":0},"entertainment":{"rate":0},"general":{"rate":0},"grocery":{"rate":0},"medical":{"rate":0},"overseas":{"rate":0},"petrol":{"rate":0},"shopping":{"rate":0.05,"text":"Unlimited 5% rebate on shopping transactions at select merchants (Robinsons, Zara, Marks & Spencer London, Royal Sporting House, Coast London, Oasis, Golf House, Bebe, Lacoste, Nautica, Roxy, Quicksilver, DC, Reebok, Speedo, Sperry, Ted Baker London, The Social Foot)"},"telecommunications":{"rate":0},"transportation":{"rate":0},"travel":{"rate":0},"utilities":{"rate":0}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","suppCard":96.3,"type":"Visa","waiverMin":3000,"waiverText":"Waived 1 year & subsequently with S$3,000 annual spend","waiverYears":1},{"_id":52,"agoda":"7% off accomodation worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":160.5,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback","booking_Booking":"Book by Nov.30, 2021","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"editorial":{"perks":"Annual fee: S$160.50 (waived for 2 years. then automatic fee waiver w\/ S$10,000 min annual spend) | Earn 1 OCBC$ for every S$1 spend | Redeem rewards with OCBC$ | Special discounts on dining, travel, health and wellness | Enjoy 7% off Agoda, and up to 10% cashback on Booking.com |9% off Expedia bookings | 0% instalment plans for spa packages"},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"OCBCSG9","feeText":"S$160.50","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"singapore_credit_cards\/ocbc-platinum-mastercard","isActiveInTools":false,"issuer":"OCBC","latePayment":60,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/platinum-rewards-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/platinum-rewards-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/platinum-rewards-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC Platinum Credit Card","rewardsRate":{"categories":{"dining":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"entertainment":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"general":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"grocery":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"medical":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"overseas":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"petrol":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"shopping":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"telecommunications":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"transportation":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"travel":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"},"utilities":{"rate":1,"text":"1 Pt per S$1 Spend, all retail"}},"conversion":{"miles":10000,"points":25000,"rate":0.004,"text":"25,000 Pts = 10,000 Miles"}},"rewardsType":"miles\/points","suppCard":80.25,"type":"Mastercard","waiverMin":10000,"waiverText":"Waived for 2 years, subsequently waived for annual spending of S$10,000","waiverYears":2,"active":true,"promotions":[{"promotion":"Get 15% off Away Spa, 2 people max (until Sep 30, 2021)","promotionShort":"PROMO: REDEEM REWARDS WITH OCBC$ EARNED","promotion2":"Use code OCBCSG9 to get 9% off hotel bookings on Expedia, book by Dec 31, 2021 & travel by Mar 31, 2022","promotion3":"Get 7% off hotels on Agoda (until Dec 31, 2021)","promotion5":"Promotion: Get 15% off Away Spa, 2 people max (until Sep 30, 2021) + Use code OCBCSG9 to get 9% off hotel bookings on Expedia (unitl Dec 31, 2021) + more!","expiryDate":"2021\/09\/30"},{"promotionShort":"PROMO: REDEEM REWARDS WITH OCBC$ EARNED","promotion":"Use code OCBCSG9 to get 9% off hotel bookings on Expedia, book by Dec 31, 2021 & travel by Mar 31, 2022","promotion2":"Get 7% off hotels on Agoda (until Dec 31, 2021)","promotion5":"Promotion: Use code OCBCSG9 to get 9% off hotel bookings on Expedia (until Dec 31, 2021) + more!","expiryDate":"2021\/12\/31"}]},{"_id":51,"agoda":"7% off accomodation worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":107,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"Intro S$50 cash rebate; S$80 cash rebate via online application; Grab rebate capped at S$10\/mo (S$120 total)","value":250},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback","booking_Booking":"Book by Nov.30, 2021","category":["grocery","telecommunications"],"esso_Disc":"Up to 20.3% fuel savings at Esso","expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"OCBCSG9","feeText":"S$107","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"singapore_credit_cards\/ocbc-plus-visa","isActiveInTools":false,"issuer":"OCBC","latePayment":60,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/plus-rebate-visa-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/plus-rebate-visa-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/plus-rebate-visa-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC Plus! Visa Credit Card","petrolSavings":"Up to 20.3% and 20% fuel savings at Esso and Caltex respectively","promotion":"Receive & use card instantly when you apply via MyInfo","promotion5":"Promotion: Receive & use card instantly when you apply via MyInfo","rewardsRate":{"categories":{"dining":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"},"entertainment":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"},"general":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"},"grocery":{"rate":10.5,"text":"Rebate rate equivalent to 10.5 Points per S$1 Spend for purchases at FairPrice (Grocery Merchant), unlocked when total monthly spend reaches S$500; number of points earned in this category capped at 4,250"},"medical":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"},"overseas":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"},"petrol":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail; additional savings of up to 18.5% available in partnership with Esso Service Stations"},"shopping":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"},"telecommunications":{"limit":3000,"rate":1.5,"text":"1.5 Pts per S$1 Spend on recurring Telecommunications bills, capped at 3,000 Pts per month"},"transportation":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"},"travel":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"},"utilities":{"rate":0.33,"text":"1 Pt per S$3 Spend, general retail"}},"conversion":{"miles":1,"points":150,"rate":0.0067,"text":"150 Pts = S$1 Redeemed Cash"}},"rewardsType":"miles\/points","suppCard":"3 free cards","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":true,"editorial":{"perks":"Annual fee: S$107 (first year - waived) | 7% cashback on in-store purchases at FairPrice, Unity and Warehouse Club stores (3% off on online FairPrice purchases) | 20.3% fuel savings at Esso, 18.1% savings at Caltex | 3% cashback ay Cheers and Popular and 1% cashback on telco "}},{"_id":53,"agoda":"7% off accomodation worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":160.5,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback","booking_Booking":"Book by Nov.30, 2021","buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel, 15% off at Shangri-La Hotel restaurants (& more)","category":["general","shopping","overseas","medical","0_instalment","promotion"],"cons":"Just 0.5% rebate with spend below S$1,000 minimum | Few additional benefits or perks | High S$800 minimum spend requirement","description":"Automatic Transaction Split into 0% Instalments Eligible for Rebates","editorial":{"perks":"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 | 1% processing fee imposed on GE premiums under 12-month instalment plan","reviewLink":"\/ocbc-cashflo-credit-card-review","reviewSummary":"OCBC Cashflo Credit Card is a good choice if you're looking to make big purchases now and pay them off later. This card offers a 0% instalment plan with no processing fees while allowing you to earn 1% flat rebate on purchases with S$1,000 minimum spend."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"OCBCSG9","feeText":"S$160.50","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"singapore_credit_cards\/ocbc-cashflo","isActiveInTools":true,"issuer":"OCBC","latePayment":80,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/cashflo-cashback-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/cashflo-cashback-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/cashflo-cashback-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC Cashflo Credit Card","petrolSavings":"Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso","pros":"0% Interest instalment plan, no processing fee | Trigger scheme automatically splits payments which earn rebates | Fee waiver with S$10,000 annual spend ","rating":80,"rewardsRate":{"categories":{"dining":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"entertainment":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$100"},"general":{"rate":0.01,"rateVariations":[{"type":"monthlySpendTotal","arguments":{"upperThreshold":1000,"lowerThreshold":1000,"upperRate":0.01,"lowerRate":0.005}}],"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. 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spend"},"utilities":{"rate":0.17,"text":"1 Pt (0.17 miles) per S$1 Spend, all local spend"}},"conversion":{"miles":1,"points":6,"rate":0.01,"text":"6 Pts = 1 Mile"}},"rewardsType":"miles\/points","suppCard":75,"type":"Mastercard","waiverMin":0,"waiverText":"Waived for 2 years","waiverYears":2,"active":false},{"_id":55,"annualFee":203.3,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"feeText":"S$203.30","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.021,"has_application":false,"image":"singapore_credit_cards\/boc-travel","isActiveInTools":false,"issuer":"Bank of China","latePayment":100,"link":{"affiliate":"https:\/\/www.bankofchina.com\/sg\/bcservice\/bc1\/201309\/t20130917_2481939.html"},"name":"BOC Travel Card","rewardsRate":{"categories":{"dining":{"rate":0.17,"text":"1 Pt per S$1 Spend, all local spend"},"entertainment":{"rate":0.17,"text":"1 Pt per S$1 Spend, all local 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This card offers 10% cashback on dining and movie theaters, 5% at select Family Club merchants, 3% on public transport and 3% on supermarket, hospital and online retail spend."},"feeText":"S$203.30","foreignSalaryText":"S$60,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc_family_card.png","isActiveInTools":false,"issuer":"Bank of China","latePayment":100,"link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=139&p=134&ev=affclk&k=44ed7ee92215b07c"},"name":"Bank of China Family Card","promotion":"Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","promotion5":"Promotion: Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","pros":"10% rebate on dining & movies | 5% w\/ \"Family Club\" marchants | 3% on public transport, supermarkets, hospitals bills & online spend","rating":81.33333333333333,"rewardsRate":{"categories":{"travel":{"rate":0},"utilities":{"rate":0}}},"standOut":"Top cashback in practical categories like transit & medical","suppCard":101.65,"toc":"Up to 10% on dining, 3% on transit, medical & more","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":false,"ratingCategory1":89,"ratingCategory2":75,"ratingCategory3":80,"foreignSalary":60000,"promotionShort":"PROMO: USE PROMO CODE \u003C\u003CMBSS2\u003E\u003E WHEN APPLYING"},{"_id":57,"annualFee":150,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"feeText":"S$150","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"singapore_credit_cards\/boc-shop","isActiveInTools":false,"issuer":"Bank of China","latePayment":100,"link":{"affiliate":"https:\/\/www.bankofchina.com\/sg\/bcservice\/bc1\/201307\/t20130708_2350745.html"},"name":"BOC Shop! Card","rewardsRate":{"categories":{"dining":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"entertainment":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"general":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"grocery":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"medical":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"overseas":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"petrol":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"shopping":{"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"telecommunications":{"limit":80,"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"transportation":{"limit":80,"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"travel":{"limit":80,"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"},"utilities":{"limit":80,"rate":0.01,"text":"Minimum monthly spend of S$1,000 unlocks rebate rate of 1% for all spend; if minimum monthly spend is not met, rate is 0.5%. Total monthly rebate capped at S$80"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":80},"rewardsType":"rebate","suppCard":75,"type":"Visa","waiverMin":0,"waiverText":"Waived for 2 years","waiverYears":2,"active":false},{"_id":60,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":160.5,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code SCBSG9. 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1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"entertainment":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"general":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"grocery":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"medical":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend on overseas transactions for first year and for any subsequent year if annual spend is below S$50,000; 2.25 Miles per S$1 Spend on overseas transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"petrol":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"shopping":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"telecommunications":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"transportation":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"travel":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"},"utilities":{"rate":1,"text":"1 Mile per S$1 Spend on local transactions for first year and for any subsequent year if annual spend is below S$50,000; 1.25 Miles per S$1 Spend on local transactions if annual spend in previous year reached S$50,000 or higher (spend avg of S$4,167)"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"}},"rewardsType":"miles\/points","standOut":"Airport perks like expedited immigration clearance & unltd lounge","suppCard":"Free","toc":"Unltd. lounge, expedited immigration clearance & more","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"active":false},{"_id":62,"active":false,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":406.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.26,"booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","buffetPromo":"Up to 30% off Edge & Hai Tien Lo at Pan Pacific Singapore","category":["dining","entertainment","shopping","transportation","travel"],"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$406.60","foreignSalary":120000,"foreignSalaryText":"S$120,000","fxFee":0.028,"has_application":false,"image":"singapore_credit_cards\/uob-ladys-solitare_elite-card.png","isActiveInTools":false,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","link":{"affiliate":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001812&s_cid=pfs:sg:paid:aff:site:vp:bu:na:001812:010819-evergreen:valuepenguin:product:vp&pib=false&vid=valuechampion"},"name":"UOB Lady's Solitaire Card","rewardsRate":{"categories":{"dining":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"entertainment":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"general":{"rate":0.4,"text":"0.4 mi\/S$1 spend"},"grocery":{"rate":0.4,"text":"0.4 mi\/S$1 spend"},"medical":{"rate":0.2,"text":"1 Pt per S$5 Spend, general retail"},"overseas":{"rate":0.4,"text":"0.4 miles per S$1"},"petrol":{"rate":0.2,"text":"1 Pt per S$5 Spend, general retail"},"shopping":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"telecommunications":{"rate":0,"text":"Not covered"},"transportation":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"travel":{"rate":4,"text":"As Bonus Cat: 4 miles per S$1"},"utilities":{"rate":0,"text":"Not Covered"}},"conversion":{"miles":2,"points":1,"rate":0.01,"text":"1 UNI Pts = 2 Miles"},"totalRewardsMonthlyCap":111.4},"rewardsType":"miles\/points","suppCard":"2 free supplementary cards","travelPromo":"Up to 50% off bookings with Expedia, 12% off with Agoda","type":"Mastercard","waiverMin":100000,"waiverText":"Waived for annual spending of S$100,000","waiverYears":0,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell"},{"_id":61,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":210},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"buffetPromo":"Up to 50% off a la card dining & select buffets at Fullerton Hotel Singapore","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas","0_instalment","promotion"],"cons":"Must spend S$7,000\/month to get good value | No boosted rates in specific categories | No travel perks","description":"Unlimited 1.5% Cashback + SimplyGo Functionality","editorial":{"perks":"Annual fee: S$192.60 (waived for two years)|Unlimited 1.5% cashback on all spend | Caltex petrol discounts up to 21%","reviewLink":"\/standard-chartered-unlimited-cashback-card-review","reviewSummary":"Standard Chartered Unlimited Cashback Card offers just that, unlimited 1.5% cashback on all purchases with no minimum spend. Best option for affluent spenders with a monthly budget of S$7,000, with this card you can also enjoy 21% fuel savings at Caltex.","tagline":"Great Unlimited Cashback for High Spenders"},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code SCBSG9. S$15 off promo code SCBSG15.","feeText":"S$192.60","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.035,"has_application":false,"image":"singapore_credit_cards\/SC-unlimited-cashback-card","isActiveInTools":true,"issuer":"Standard Chartered","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=86&p=68&ev=affclk&k=81a52a31ba11dd91"},"name":"Standard Chartered Unlimited Cashback Credit Card","petrolSavings":"Up to 21.46% fuel savings at Caltex","pros":"Unlimited 1.5% flat cashback | No minimum spend requirement | Up to 21% fuel savings with Caltex","rating":85,"rewardsRate":{"categories":{"dining":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"entertainment":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"general":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"grocery":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"medical":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"overseas":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"petrol":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"shopping":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"telecommunications":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"transportation":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"travel":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"},"utilities":{"rate":0.015,"text":"Cashback 1.5% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"1.5% unlimited cashback w\/ no min. spend requirement","toc":"1.5% unlimited rebate + transport perks","travelPromo":"Up to 12% off bookings with Hotels","type":"MasterCard","waiverMin":0,"waiverText":"Waived for 2 years","waiverYears":2,"PROMO: GET S$150 ":"PROMO: GET APPLE AIRPODS PRO OR S$300 CASH","ratingCategory1":85,"ratingCategory2":85,"ratingCategory3":85,"active":true},{"_id":63,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":120,"annualRewardsPromo":{"isFirstYearOnly":true,"value":200},"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","buffetPromo":"1-for-1 Saturday high tea buffet at J65 at Hotel Jen, 15% off select restaurants at Amara & Carousel at Royal Plaza on Scotts (& more)","category":["general","shopping","entertainment","promotion"],"cons":"Frequent travellers with high overseas spend|People spending less than S$5,000\/month|Consumers who prioritise travel perks & privileges","description":"Unlimited Cashback Card for Affluent Local Spenders","editorial":{"perks":"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","reviewLink":"\/maybank-fc-barcelona-visa-signature-card-review","reviewSummary":"Maybank FC Barcelona Visa Signature card is a great option for high spenders with a mostly local budget, as well as FC Barcelona fans. You can earn unlimited cashback of 1.6% on all local spend, up to 10% discount at FC Barcelona stores, and a fee waiver with annual spend above S$10,000.","tagline":"Great Unlimited Cashback for Affluent Local Spenders"},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"MBBSG9","feeText":"S$120","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-fcb-visasig","isActiveInTools":true,"issuer":"Maybank","link":{"affiliate":"https:\/\/apply.maybank.com.sg\/package\/cob\/index.htm?sc=info6"},"name":"Maybank FC Barcelona Visa Signature Card","pros":"Affluent consumers spending S$6,500+\/month|High spenders with mostly local budgets|Football fans\u2013especially of FC Barcelona","rating":85,"rewardsRate":{"categories":{"dining":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"entertainment":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"general":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"grocery":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"medical":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"overseas":{"rate":0.008,"text":"2 Points per S$1 Spend on foreign currency transactions"},"petrol":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"shopping":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"telecommunications":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"transportation":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"travel":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"},"utilities":{"rate":0.016,"text":"Cash rebate of 1.6% on all local spend (no cash rebate on overseas transactions), no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"1.6% unlimited local cashback, fee waiver w\/ S$10,000 annual spend","suppCard":"Free","toc":"Highest unlimited local rebate\u20131.6% on all spend","travelPromo":"Up to 50% off bookings with Expedia, 8% off with Agoda & Trips","type":"Visa","waiverMin":10000,"waiverText":"Waived for annual spending of S$10,000","waiverYears":0,"PROMO: GET S$150 ":"PROMO: GET S$100 CASH CREDIT","active":true,"ratingCategory1":90,"ratingCategory2":75,"ratingCategory3":90,"alternate_link":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604","alternate_text":"Foreigners","promotions":[{"promotion":"Get S$100 cash credit with Maybank Credit Card and CreditAble when you charge and withdraw at least S$250 for each of the 2 consecutive months upon approval (until Aug 31, 2021)","promotionShort":"PROMO: GET S$100 CASH CREDIT","promotion5":"Promotion: 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 Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":64,"active":false,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"AirAsia BIG Points do not equal miles. Analysis of pts v. miles for flights on websites is inconsistent but yields value-to-consumer of around S$65-S$75","value":70},"annualSalary":0,"annualSalaryText":"None","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Just 0.3% rebate on general spend | otal rewards capped at just S$50\/mo","description":"Boosted Cashback for Young Social Spenders","editorial":{"perks":"Annual fee: S$192.60 (waived for 5 years)| 5% rebate on favourite brands | Additional 5% cashback on sustainable spend (eco-eateries, eco-retailers and eco-transport) | 0.3% cashback on all other spend | Cashback capped at S$50\/month | Eligibility: 21-27 yrs old","reviewLink":"\/dbs-live-fresh-student-card-review","reviewSummary":"DBS Live Fresh Student Card is a good fit for social young adults who spend S$300 on dining and entertainment monthly. You will earn 5% rebate on social spend at select merchants, 5% on sustainable spend and 0.3% cashback on all other purchases, with a monthly reward cap of S$50."},"expedia":"9% off hotel bookings, 5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"Hotel bookings code DBSSG9. \"Things to do bookings\" code DBSSG5","feeText":"S$192.60","foreignSalary":0,"foreignSalaryText":"None","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/dbs-livefresh-visa","isActiveInTools":false,"issuer":"DBS","klook":"Get a S$10 Klook return voucher with S$50 min spend on SingapoRediscovers bookings","klook_Booking":"Valid until June 30, 2021","klook_Code":"Promo code will be sent to your Klook email 24-48 hrs after booking","link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676547;dc_trk_aid=501339018;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676541;dc_trk_aid=501037070;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676544;dc_trk_aid=501381748;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Live Fresh Student Card","pros":"5% rebate on select merchants & 5% rebate on sustainable spend | No minimum spend requirement | Annual fee waived 5 full years","rating":85,"rewardsRate":{"categories":{"dining":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"entertainment":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"general":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"grocery":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"medical":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"overseas":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"petrol":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"shopping":{"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"telecommunications":{"limit":20,"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"transportation":{"limit":20,"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"travel":{"limit":20,"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"},"utilities":{"limit":20,"rate":0.003,"text":"Minimum monthly spend of S$600 unlocks cashback rate of 0.3%, capped at S$20. If minimum monthly spend is not met, cashback rate is 0%"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":20},"rewardsType":"cashback","standOut":"5% cashback on McDonald's, Starbucks, Netflix & more","toc":"5% rebate on Starbucks, McDonald's, Netflix & more","type":"Visa","waiverMin":0,"waiverText":"Waived for 5 years","waiverYears":5,"PROMO: GET S$150 ":"PROMO: GET 25% OFF JBL AUDIO GEARS","ratingCategory1":85,"ratingCategory2":80,"ratingCategory3":90,"promotions":[{"promotion":"Use code DBSLF70 to get S$70 off staycations at selected eco-friendly hotels on Agoda (book by Dec 31, 2021)","promotionShort":"PROMO: GET S$70 OFF STAYCATIONS","promotion5":"Promotion: Use code DBSLF70 to get S$70 off staycations at selected eco-friendly hotels on Agoda (book by Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":65,"agoda":"7% off accommodation bookings worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":20,"annualRewardsPromo":{"isFirstYearOnly":true,"value":50},"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback for worldwide bookings","booking_Booking":"Book by Jan. 31, 2022","category":["general"],"cons":"Low-income working adults (ineligible for this card)|Young adults who\u2019d prefer a card with EZ-Link functionality","description":"Easy Cashback on All Spend for Students & NSFs","editorial":{"perks":"Annual fee: S$20 (waived for using the card once every 3 months) | 1% unlimited rebate on all spend, no minimum requirement | S$500 credit limit | Access to Maybank TREATS discounts","reviewLink":"\/maybank-evibes-card-review","reviewSummary":"Maybank eVibes Card is one of the best on the market for students. With this card you can earn 1% unlimited cachback on all spend with no merchant restrictions and no minimum spend. In addition, the S$5 quarterly service fee is waived simply by using the card."},"expedia":"9% off worldwide hotel bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"MBBSG9","feeText":"S$20","fxFee":0.025,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/maybank-evibes-visa","isActiveInTools":true,"issuer":"Maybank","link":{"affiliate":"https:\/\/apply.maybank.com.sg\/cards\/index.htm#\/creditcardstart?sc=acq6&_ga=2.157255611.1666599270.1615254429-326056336.1588140604"},"name":"Maybank eVibes Card","pros":"Students & NSF earning less than S$30,000\/year|People looking for easy cashback on all spend|Individuals hoping to avoid paying an annual fee","rating":86.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"entertainment":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"general":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"grocery":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"medical":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"overseas":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"petrol":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"shopping":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"telecommunications":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"transportation":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"travel":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"},"utilities":{"rate":0.01,"text":"Cash rebate of 1% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Market-leading 1% flat rebate for students","toc":"Highest rebate for students\u20131% on all spend","type":"Visa","waiverMin":1,"waiverText":"Waived for using the card once every 3 months","waiverYears":0,"PROMO: GET S$150 ":"PROMO: APPLY AND S$50 CASH CREDIT","active":true,"ratingCategory1":80,"ratingCategory2":80,"ratingCategory3":100,"foreignSalary":"NA","foreignSalaryText":"S$30,000","promotions":[{"promotion":"Apply now and receive S$50 cash credit with S$150 min spend within first 2 months of card approval + enjoy quarterly service fee waiver for first 2 years","promotionShort":"PROMO: APPLY AND S$50 CASH CREDIT","promotion2":"Up to 7% off hotel bookings on Agoda (until Dec 31, 2021)","promotion5":"Promotion: Apply now and receive S$50 cash credit with S$150 min spend within first 2 months of card approval + enjoy quarterly service fee waiver for first 2 years + up to 7% off hotel bookings on Agoda (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":67,"active":false,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":267.5,"annualRewardsPromo":{"isFirstYearOnly":true,"value":150},"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","buffetPromo":"Complimentary seasonal products at Buffet Town & Kiseki Japanese Buffet Restaurant, 15% off Lobby Lounge at Shangri-La Singapore (& more)","cons":"Very affluent travellers who prioritse luxury perks|Infrequent travellers with high local spend|People looking to avoid cards with annual fees","description":"Citi PremierMiles Amex has been discontinued & is no longer available to new applicants","editorial":{"reviewLink":"\/citi-premiermiles-american-express-card-review"},"expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$267.50","fxFee":0.0033,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/citi-premiermiles-amex","isActiveInTools":false,"issuer":"Citibank","link":{"affiliate":"http:\/\/adx.io\/go\/AFOMPMV109Mar17"},"name":"Citi PremierMiles Card American Express","pros":"High-earning travellers who prefer to fly with SIA|Consumers willing to pay a higher fee for travel perks|People interested in both Citi & Amex's unique deals worldwide","rating":96,"rewardsRate":{"categories":{"dining":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"general":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"medical":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas transactions"},"petrol":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"},"travel":{"rate":10,"text":"Travel Promotion: 10 Miles per S$1 Spend on Kaligo travel purchases (ends Dec 31, 2018); Non-promotional rate of 2 Miles per S$1 Spend for select travel merchants (Singapore Airlines, SilkAir, and KrisShop)"},"utilities":{"rate":1.3,"text":"1.3 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"}},"rewardsType":"miles\/points","suppCard":"Free","travelPromo":"Up to 10% off bookings with Expedia & Bookings, 8% with Agoda, Hotels & Trip","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"annualSalary":"NA","foreignSalaryText":"NA"},{"_id":66,"active":false,"agoda":"7% off hotel bookings 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With no cap on earnings and no min spend, you can earn 0.25% cashback on general spend. You are also eligble to apply for this card if you are a student with no income.","perks":"Annual fee: S$32.10 (waived for the first year) | 0.25% cashback on general spend | Exclusions include spend on recurring bills |No minimum spend requirement and no cap on earnings | S$500 credit limit"},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code SCBSG9. S$15 off promo code SCBSG15.","feeText":"S$32.10","fxFee":0.035,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/sc-manhattan-mastercard","isActiveInTools":false,"issuer":"Standard Chartered","link":{"affiliate":"https:\/\/www.sc.com\/sg\/credit-cards\/manhattan-500-card\/"},"name":"Standard Chartered MANHATTAN $500 Card","pros":"Low-income young adults earning less than S$30,000\/year|People looking for a straightforward cashback card","rating":73.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"entertainment":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"general":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"grocery":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"medical":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"overseas":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"petrol":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"shopping":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"telecommunications":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"transportation":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"travel":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"},"utilities":{"rate":0.0025,"text":"Cash rebate of 0.25% on all spend, no minimum, no cap"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"}},"rewardsType":"cashback","standOut":"0.25% rebate for students & low-income adults","toc":"0.25% cashback for students & low-income adults","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":65,"ratingCategory2":60,"ratingCategory3":95,"foreignSalary":"NA","foreignSalaryText":"S$18,000"},{"_id":68,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":130},"annualSalary":30000,"annualSalaryText":"S$30,000","buffetPromo":"Up to 50% off a la card dining & select buffets at Fullerton Hotel Singapore","category":["dining","overseas","promotion"],"cons":"People seeking to maximise rewards for everyday spend|Those with cards that already reward dining & overseas |People who spend S$350+\/month on dining alone","description":"Supplementary Card for Dining & Overseas Spend","editorial":{"perks":"Annual fee: S$192.60 (first year - waived) | 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend |Free travel insurance & Fullerton Hotel dining privileges | Up to 19.8% fuel savings with Caltex","reviewLink":"\/standard-chartered-rewards-plus-credit-card-review","reviewSummary":"With monthly rewards capped at 8,000 miles\/year, SC Rewards+ Card is a good fit for people with S$250-350\/month dining and overseas budget. You can earn 2.9 miles per S$1 spend overseas and 1.45 miles per S$1 spend on dining."},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code SCBSG9. S$15 off promo code SCBSG15.","feeText":"S$192.60","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.035,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/scb-rewards-vis-sig","isActiveInTools":true,"issuer":"Standard Chartered","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=87&p=67&ev=affclk&k=aa463a2e9f1d9173"},"name":"Standard Chartered Rewards+ Credit Card","petrolSavings":"Up to 20.20% fuel savings at Caltex","pros":"People with S$250-350\/month dining & overseas budget|Supplementary card for lower spend areas","rating":78.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":1.45,"text":"5 Pts (1.45miles) per S$1 Spend, Dining transactions"},"entertainment":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"general":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"grocery":{"rate":2.9,"text":"10 Pts (2.9miles) per S$1 Spend for online groceries"},"medical":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"overseas":{"rate":2.9,"text":"10 Pts (2.9miles) per S$1 Spend, all Overseas transactions in Foreign Currency"},"petrol":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"shopping":{"rate":2.9,"text":"10 Pts (2.9miles) per S$1 Spend for online shopping"},"telecommunications":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"transportation":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"travel":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"},"utilities":{"rate":0.29,"text":"1 Pt (0.29miles) per S$1 Spend, all retail"}},"conversion":{"miles":1015,"points":3500,"rate":0.01,"text":"3,500 Pts = 1,015 Miles"},"totalRewardsMonthlyCap":483.33},"rewardsType":"miles\/points","standOut":"Up to 2.9mi\/S$1 overseas, 1.45mi on dining","toc":"2.9 miles per S$1 overseas, 1.45 for dining","travelPromo":"Up to 12% off bookings with Hotels","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET APPLE AIRPODS PRO OR S$300 CASH","active":true,"ratingCategory1":75,"ratingCategory2":80,"ratingCategory3":80},{"_id":69,"active":false,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"value":130},"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","category":["petrol","transportation"],"cons":"Annual fee of S$192.60 waived only 1st year | Low rewards rate for general spend (approx. 0.3%-0.4%)","description":"Maximise Fuel Savings at Esso Stations","editorial":{"perks":"Annual fee: S$192.60 | Up to 21.2% fuel savings | 2.4% Smiles savings | Earn Bonus 3 Smiles Points on Spend outisde of Esso | 0% Interest-Free Instalment Payment Plan for Motor Insurance and Road Tax","reviewLink":"\/dbs-esso-platinum-credit-card-review","reviewSummary":"DBS Esso Platinum Card is a good choice for those who frequently purchase fuel at Esso. With this card you can earn up to 21.2% at Esso and an additional 2.4% with purchase of 250L of Synergy fuel."},"esso_Disc":"Up to 23.6% fuel savings at Esso","expedia":"9% off hotel bookings, 5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"Hotel bookings code DBSSG9. \"Things to do bookings\" code DBSSG5","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/dbs-esso-mastercard","isActiveInTools":false,"issuer":"DBS","klook":"Get a S$10 Klook return voucher with S$50 min spend on SingapoRediscovers bookings","klook_Booking":"Valid until June 30, 2021","klook_Code":"Promo code will be sent to your Klook email 24-48 hrs after booking","link":{"affiliate":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676574;dc_trk_aid=501381742;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","facebookAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676580;dc_trk_aid=501037067;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=","googleAds":"https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N322602.3416883VALUEASIAINC.\/B25223926.308676583;dc_trk_aid=501383659;dc_trk_cid=145086736;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd="},"name":"DBS Esso Card","petrolSavings":"Up to 21.2% fuel savings at Esso","pros":"Up to 21.1% fuel savings at Esso | Up to 2.2% additional fuel savings with purchase of 250 litres Synergy fuel\/month ","rating":73.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"entertainment":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"general":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"grocery":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"medical":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"overseas":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"petrol":{"rate":0.0167,"text":"1 Pt per 1 Litre Synergy Fuel (est. S$2.40 as of November 2018)"},"shopping":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"telecommunications":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"transportation":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"travel":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"},"utilities":{"rate":0.004,"text":"1 Pt per S$10 Spend, non-petrol (equivalent to 0.4% cashback)"}},"conversion":{"rate":1,"text":"750 Pts = S$30 Redeemed Synergy Fuel"}},"rewardsType":"miles\/points","standOut":"Top discounts & savings on Synergy fuel at Esso","toc":"Up to 21.2% fuel savings at Esso","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"ratingCategory1":80,"ratingCategory2":65,"ratingCategory3":75,"promotions":[{"promotion":"Get up to S$110 in fuel savings with DBS Esso Card when you apply online and spend min S$180\/month at any Esso service station in SG for all 3 mo from card approval (until July 31, 2021)","promotionShort":"PROMO: GET UP TO S$110 FUEL SAVINGS","promotion5":"Promotion: Get up to S$110 in fuel savings with DBS Esso Card when you apply online and spend min S$180\/month at any Esso service station in SG for all 3 mo from card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":70,"active":false,"agoda":"6% off accommodations in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2021","annualFee":535,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"50,000 Membership Rewards points if S$5,000 spent in first 6 months: 450 pts=250 Miles, 1 Mile=S$0.01 value-to-consumer. Also get free 3D2N stay at Frasers Hospitality properties worldwide in every membership year, worth S$640 (based on lowest non-deposit rate at Capri by Fraser in Changi)","value":1557.78},"annualSalary":150000,"annualSalaryText":"S$150,000","category":["shopping"],"expedia":"9% off \"Expedia Rate\" hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"AMEXSG9","feeText":"S$535","foreignSalary":150000,"foreignSalaryText":"S$150,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/amex-platinum-reserve","isActiveInTools":false,"issuer":"American Express","link":{"affiliate":"https:\/\/www.americanexpress.com\/sg\/content\/platinum-reserve-credit-card\/#sg"},"name":"American Express Platinum Reserve Credit Card","petrolSavings":"Up to 20% fuel savings at SPC","promotion":"Enjoy a complimentary 3D2N stay every Card Membership year at participating Frasers Hospitality properties worldwide (1 voucher per membership year)","rewardsRate":{"categories":{"dining":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"entertainment":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"general":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"grocery":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"medical":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"overseas":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"petrol":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"shopping":{"rate":3.4375,"text":"10 Pts (5.5miles) per S$1.60 Spend at Platinum EXTRA Partners like Lee Hwa Jewellery, Peony Jade restaurant and Watches of Switzerland"},"telecommunications":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"transportation":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"travel":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"},"utilities":{"rate":0.6875,"text":"2 Pts (1.1miles) per S$1.60 Spend, for all spend, unlimited"}},"conversion":{"miles":5.5,"points":10,"rate":0.01,"text":"10 Pts = 5.5 Miles"}},"rewardsType":"miles\/points","standOut":"Complimentary access to SG's most exclusive clubs & venues","suppCard":"first 2 supplementary cards fee are permanently waived; $160.5 for each subsequent card","toc":"Exclusive luxury memberships in SG","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"promotionShort":"PROMO: FREE ANNUAL 3D2N HOTEL STAY"},{"_id":71,"active":false,"annualFee":203.3,"annualRewardsPromo":{"isFirstYearOnly":true,"value":0},"annualSalary":30000,"annualSalaryText":"S$30,000","category":["dining","entertainment","general","grocery","medical","shopping","transportation"],"cons":"Grouped categories capped at S$25\/mo | Few additional perks or privileges | General retail earns just 0.30% cashback","description":"Well-Rounded Cashback\u2013Even for Transit & Hospital Spend","editorial":{"perks":"Annual fee: S$203.30 (first year - waived) | 10% cash rebate on dining and movies | 5% cash rebate on Family Club Merchants | 3% on public transportation transactions | 3% on supermarket, online purchases and hospital bills | 0.3% rebate on all other retail spend","reviewLink":"\/boc-family-card-review","reviewSummary":"BOC Family Card is a great option for households on moderate, diversified budgets looking to earn cashback. This card offers 10% cashback on dining and movie theaters, 5% at select Family Club merchants, 3% on public transport and 3% on supermarket, hospital and online retail spend."},"feeText":"S$203.30","foreignSalary":60000,"foreignSalaryText":"S$60,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc_family_card","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=139&p=134&ev=affclk&k=44ed7ee92215b07c"},"name":"BOC Family Card","promotion":"Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","promotion5":"Promotion: Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","pros":"10% rebate on dining & movies | 5% w\/ \"Family Club\" marchants | 3% on public transport, supermarkets, hospitals bills & online spend","rating":81.33333333333333,"rewardsRate":{"categories":{"dining":{"limit":12.5,"rate":0.1,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 10% for Dining and Entertainment (specifically, movies) transactions, with a combined cashback cap for both of these categories at S$30\/month; if minimum monthly spend is not met, cashback rate is 0.3%. Dining\/Entertainment monthly cashback capped at S$25"},"entertainment":{"limit":12.5,"rate":0.1,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 10% for Dining and Entertainment (specifically, movies) transactions, with a combined cashback cap for both of these categories at S$30\/month; if minimum monthly spend is not met, cashback rate is 0.3%. Dining\/Entertainment monthly cashback capped at S$25"},"general":{"limit":25,"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"},"grocery":{"rate":0.03,"text":"3% cash rebate on Supermarket transactions made at all major supermarkets and\/or hypermarket stores in Singapore with the assigned MCC 5411 \u2013 Grocery Stores and Supermarkets."},"medical":{"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 10% for Dining and Entertainment (specifically, movies) transactions, with a combined cashback cap for both of these categories at S$30\/month; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$100"},"overseas":{"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"},"petrol":{"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"},"shopping":{"limit":25,"rate":0.05,"text":"5% cash rebate on \u201cFamily Club Merchants\u201d transactions made at Best Denki, POPULAR Bookstore, Unity Pharmacy, Watsons and Welcia-BHG, and merchants classified under \u201cFamily Club\u201d by BOC in Singapore (except for retail stores in schools, roadshows, expo and events). The constituents of \u201cFamily Club Merchants\u201d may be modified by BOC from time to time. The Family Cash Rebate for Family Club Merchants is capped at S$25 per Card Account per billing cycle."},"transportation":{"limit":25,"rate":0.03,"text":"Minimum monthly spend of S$800 unlocks cashback rate of 10% for Dining and Entertainment (specifically, movies) transactions, with a combined cashback cap for both of these categories at S$30\/month; if minimum monthly spend is not met, cashback rate is 0.3%. Total monthly cashback capped at S$100"},"travel":{"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"},"utilities":{"rate":0.003,"text":"Base cashback rate of 0.3% for all retail spend; combined with transactions related to Supermarkets, Hospital Bills, NETS FlashPay Auto Top-Up, Select Merchants and Telecommunications Bills (which earn a cashback of 5%) cashback across all these categories together is capped at S$40\/month. Total monthly cashback capped at S$100"}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"},"totalRewardsMonthlyCap":100},"rewardsType":"cashback","standOut":"Top cashback in practical categories like transit & medical","toc":"Up to 10% on dining, 3% on transit, medical & more","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"promotionShort":"PROMO: USE PROMO CODE \u003C\u003CMBSS2\u003E\u003E WHEN APPLYING","PROMO: GET S$150 ":"PROMO: USE PROMO CODE \u003C\u003CMBSS2\u003E\u003E WHEN APPLYING","ratingCategory1":89,"ratingCategory2":75,"ratingCategory3":80,"apr":0.26,"fxFee":0.03,"latePayment":100,"suppCard":101.65,"type":"Visa"},{"_id":72,"active":false,"annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"value":70},"annualSalary":30000,"annualSalaryText":"S$0.0 for Students & NSFs (age 18-29); S$18,000 for salaried employees age below 35; S$30,000 for age above 35","booking":"Up to 10% cashback at accomodations worldwide","booking_Booking":"Book by May 28, 2021","category":["dining","entertainment","shopping","telecommunications"],"cons":"Individuals who earn more than S$30,000\/year|People who tend to eat in, and prefer to shop offline|Young adults looking for cashback on their utilities spend","description":"Cashback in Key Spend Areas for Students & Low Income Adults","editorial":{"reviewLink":"\/cimb-awsm-card-review","reviewSummary":"CIMB AWSM Card is a great fit for students and low-income adults. With no cap and no minimum spend, you can earn 1% cashback on dining, entertainment, online shopping and telco.","perks":"Annual fee: free | 1% unlimited cashback on dining, entertainment, online shopping & telco | No minimum spend requirement | S$500 credit limit | Access to CIMB Deals & Discounts"},"expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"CIMBSG9","feeText":"None","foreignSalaryText":"S$30,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/CIMB-AWSM-MasterCard-2","isActiveInTools":false,"issuer":"CIMB","link":{"affiliate":"https:\/\/www.cimbbank.com.sg\/en\/personal\/products\/cards\/credit-cards\/cimb-awsm-card.html"},"name":"CIMB AWSM Card","pros":"Students, NSFs & low-income consumers earning less than S$30,000\/year|People with high spend on dining, entertainment, online shopping & telco|Individuals interested in discounts & deals in Indonesia and Malaysia","rating":88.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.01,"text":"Unlimited cash rebate of 1% on all Dining spend"},"entertainment":{"rate":0.01,"text":"Unlimited cash rebate of 1% on all Entertainment spend"},"general":{"rate":0},"grocery":{"rate":0},"medical":{"rate":0},"overseas":{"rate":0},"petrol":{"rate":0},"shopping":{"rate":0.01,"text":"Unlimited cash rebate of 1% on all Online Shopping spend"},"telecommunications":{"rate":0.01,"text":"Unlimited cash rebate of 1% on all Telecommunications spend"},"transportation":{"rate":0},"travel":{"rate":0},"utilities":{"rate":0}},"conversion":{"rate":1,"text":"Cashback \/ Rebate"}},"rewardsType":"cashback","standOut":"1% rebate for students on dining, entertainment & more","toc":"Unltd 1% rebate on dining, entertainment & more for students","type":"Mastercard","waiverMin":0,"waiverText":"Perpetual waiver","waiverYears":"perpetual","ratingCategory1":85,"ratingCategory2":80,"ratingCategory3":100,"foreignSalary":"NA","promotions":[{"promotion":"Get S$8 off min spend of S$16 at Shopee (until Dec 31, 2021)","promotionShort":"PROMO: GET 9% OFF EXPEDIA HOTEL BOOKINGS","promotion2":"Use code CIMBSG9 to enjoy 9% off hotel bookings with Expedia (until Dec 31, 2021)","promotion3":"Use code 20CIMBNC to enjoy S$10 off S$20 min spend at ezbuy (until Dec 31, 2021)","promotion5":"Promotion: Get S$8 off min spend of S$16 at Shopee + Use code 20CIMBNC to enjoy S$10 off S$20 min spend at ezbuy (until Dec 31, 2021) + more!","expiryDate":"2021\/12\/31"}]},{"_id":73,"active":false,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":588,"annualSalary":500000,"annualSalaryText":"S$500,000","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$588","fxFee":0.028,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/UOB_Ladys_Solitaire_Metal.png","isActiveInTools":false,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","link":{"affiliate":"https:\/\/www.uob.com.sg\/personal\/cards\/credit\/ladys\/"},"name":"UOB Lady's Solitaire Metal Card","promotion":"Complimentary airport limousine rides (1 per year) & lounge access (6 per year)","promotion2":"Complimentary travel insurance up to USD500,000","promotion3":"Complimentary 24\/7 Mastercard Travel and Lifestyle service","promotion5":"Promotion: Complimentary airport limousine rides (1 per year) & lounge access (6 per year) + complimentary travel insurance up to USD500,000 + more!","standOut":"Earn 4mi \/S$1 spend in 2 selected categories + free Global Hotel Alliance Black Loyalty Membership","toc":"4mi\/S$1 in 2 spend categories, exclusive hotel memberships","type":"Mastercard","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","promotionShort":"PROMO: FREE ANNUAL LIMO RIDE + AIRPORT LOUNGE ACCESS"},{"_id":74,"active":false,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":642,"annualSalary":150000,"annualSalaryText":"S$150,000","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$642","foreignSalary":150000,"foreignSalaryText":"S$150,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-visa-infinite-metal_v2.png","isActiveInTools":false,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","link":{"affiliate":"https:\/\/www.uob.com.sg\/personal\/cards\/credit\/visa-infinite\/index.html#Exploration"},"name":"UOB Visa Infinite Metal Card","promotion":"Receive 25,000 miles with your annual membership\/renewal fee payment of S$642","promotion2":"Download the Visa Airport Companion App and receive 4 complimentary global lounge access per membership year to over 1,200 global airport lounges & up to 25% discount at over 1,000 participating restaurants in airports worldwide","promotion5":"Promotion: Receive 25,000 miles with your annual membership\/renewal fee payment of S$642 + register for Visa Airport Companion App and receive 4 complimentary global lounge access per membership year to over 1,200 global airport lounges & up to 25% discount at over 1,000 participating restaurants in airports worldwide","standOut":"25k annual bonus miles, Tower Club & China Club access","toc":"25k annual bonus miles, Tower Club & China Club access","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","promotionShort":"PROMO: GET 25,000 MILES EACH YEAR"},{"_id":76,"active":false,"agoda":"6% off accommodations in Singapore and worldwide","agoda_Booking":"Book by Dec. 31, 2021","annualFee":5000,"annualSalary":500000,"annualSalaryText":"S$500,000","expedia":"9% off \"Expedia Rate\" hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"AMEXSG9","feeText":"S$5,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/Amex_Centurion.jpg","isActiveInTools":false,"issuer":"American Express","link":{"affiliate":"https:\/\/www.americanexpress.com\/sg\/campaigns\/travel\/relish-the-moment\/centurion-and-platinum-card.html"},"name":"American Express Centurion Card","standOut":"Unltd lounge, elite hotel privileges, Tower Club membership","toc":"Unltd lounge, elite hotel privileges, Tower Club membership","type":"American Express","waiverMin":0,"waiverText":"No waiver","waiverYears":0},{"_id":75,"active":false,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":4160,"annualSalary":500000,"annualSalaryText":"S$500,000","booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","editorial":{"perks":"Annual fee: S$4,160 | By invitation only (S$500,000 min. income requirement)| 1.6 miles per S$1 locally, 2 miles overseas | Receive 150,000 bonus miles w\/ each annual renewal | Unlimited lounge access, expedited immigration clearance | Free bonus night per hotel booking | Unlimited free green fees for principal cardholder + companion"},"expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$4,160","fxFee":0.003,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi_Ultima.jpg","isActiveInTools":false,"issuer":"Citibank","link":{"affiliate":"https:\/\/www.citibank.com.sg\/cpc\/sgp_lifestyle_prestige.htm"},"name":"Citi ULTIMA Card","standOut":"150k annual bonus miles, unltd free lounge access & green fees","toc":"150k annual bonus miles, unltd free lounge access & green fees","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0},{"_id":77,"active":false,"agoda":"7% off worldwide and additional 15% off local staycation","agoda_Booking":"For worldwide, book by Dec.31, 2021. For local, book by Mar.31, 2021","annualFee":3210,"annualSalary":500000,"annualSalaryText":"S$500,000","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by July 31, 2021","editorial":{"perks":"2 miles per S$1 spend overseas | 1.6 miles per S$1 spend | Dedicated DBS Insignia Service Ambassador | Unlimited Priority Pass membership to over 1,000 airport lounges worldwide","tagline":"Invite-Only Card Offering Luxury Privileges with Hyatt Hotels"},"expedia":"9% off hotel bookings, 5% off \"Things to do\" bookings","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"Hotel bookings code DBSSG9. \"Things to do bookings\" code DBSSG5","feeText":"S$3,210","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/DBS-Insignia_visa-infinite.jpg","isActiveInTools":false,"issuer":"DBS","klook":"Get a S$10 Klook return voucher with S$50 min spend on SingapoRediscovers bookings","klook_Booking":"Valid until June 30, 2021","klook_Code":"Promo code will be sent to your Klook email 24-48 hrs after booking","link":{"affiliate":"https:\/\/www.dbs.com.sg\/treasures\/deposits\/your-cards\/insignia"},"name":"DBS Insignia Visa Infinite Card","promotion":"Apply and get 100,000 welcome air miles + a luxurious two-night stat at a hotel of your choice (more than 40 luxury hotels and resorts to choose from)","promotion5":"Promotion: Apply and get 100,000 welcome air miles","standOut":"Exclusive Club Hyatt Membership & hotel privileges","toc":"Free 2N hotel stay, Club Hyatt Membership & exclusive privileges","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0},{"_id":79,"agoda":"7% off hotel bookings worldwide","agoda_Booking":"Valid until June 30, 2022","annualFee":695.5,"annualSalary":80000,"annualSalaryText":"S$80,000","category":["overseas","travel","petrol","entertainment","medical","promotion"],"cons":"Bonus miles limited to affluent consumers | Very high & unwaivable S$695.5 annual fee | Lower rewards rates than other lux. cards","description":"Best Upfront Miles Promotion for Wealthy Travellers","editorial":{"perks":"Annual fee: S$695.50 | 1.2 miles (3pts) per S$1 local spend | 2 miles (5pts) per S$1 overseas spend | 2 complimentary visits to Priority Pass lounges | Complimentary travel insurance | 0% Interest Instalment Plan","reviewLink":"\/standard-chartered-visa-infinite-x-credit-card-review","reviewSummary":"Standard Chartered Visa Infinite X is a good option for very wealthy consumers looking to rapidly accrue miles. As a sign-on bonus, place S$300,000 fresh funds and receive 100,000 KrisFlyer miles as a welcome gift. You can also earn 1.2 miles per S$1 local spend and 2 miles per S$1 spend overseas."},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code SCBSG9. S$15 off promo code SCBSG15.","feeText":"S$695.50","foreignSalary":80000,"foreignSalaryText":"S$80,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/StandardChartered_Visa_Infinite_X_12.05.19.png","isActiveInTools":false,"issuer":"Standard Chartered","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=147&p=69&ev=affclk&k=913fff233c658093"},"name":"Standard Chartered Visa Infinite X Credit Card","petrolSavings":"Up to 20.20% fuel savings at Caltex","pros":"Earn up to 300,000 bonus welcome miles | Earn 2 miles\/S$1 spend overseas | Special privileges with elite hotels","rating":86.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"overseas":{"rate":2,"text":"2 miles per S$1 spend overseas"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"travel":{"rate":2,"text":"2 miles per S$1 spend ovearseas"},"utilities":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"}},"conversion":{"rate":0.01},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","standOut":"Receive S$6,000 cash reward for investing w\/ SC Bank","suppCard":107,"toc":"Bonus S$6,000 w\/ S$200k fund placement","type":"Visa","waiverMin":0,"waiverText":"No waiver","waiverYears":0,"PROMO: GET S$150 ":"PROMO: GET 30,000 MILES AT SIGN-UP","ratingCategory1":90,"ratingCategory2":100,"ratingCategory3":70,"active":false,"promotions":[{"promotion":"New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)","promotionShort":"PROMO: GET 30,000 MILES AT SIGN-UP","promotion5":"Promotion: New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":78,"agoda":"7% off accomodation worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"A renewal bonus of 10,000 Travel$ (\u201cBonus\u201d) will be awarded to the Principal Cardmember upon such Cardmember\u2019s full settlement of the non-refundable annual service fee","value":100},"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback","booking_Booking":"Book by Nov.30, 2021","buffetPromo":"Up to 10% off select restaurants at Pan Pacific Singapore, Ritz Carlton Millennia & Amara Hotel, 15% off at Shangri-La Hotel restaurants (& more)","category":["general","dining","entertainment","grocery","medical","overseas","petrol","shopping","telecommunications","transportation","travel","promotion"],"cons":"Local rates are less competitive | No category-specific rewards boosts | Perks limited to discounted lounge access | S$192.60 fee waived just 1 year","description":"Unlimited Cashback & Miles + Annual Renewal Bonus","editorial":{"perks":"Annual fee: S$192.60 (first year - waived) | Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100) |Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas | Cashback Option: 1.2% rebate locally, 2.1% overseas |No conversion fees & rewards never expire | Access to Mastercard Airport Experiences","reviewLink":"\/ocbc-90-degrees-n-credit-card-review","reviewSummary":"OCBC 90\u00b0N Card is a great option for wealthy spenders looking for both cash back and miles rewards. This card offers unlimited cashback of 1.2% on local and 2.1% on overseas spend. You can also choose to receive rewards in miles instead, earning 1.2 miles per S$1 local and 2.1 miles per S$1 overseas spend."},"esso_Disc":"Up to 14% fuel savings at Esso","expedia":"9% off hotel bookings","expedia_Booking":"Book by Dec.31, 2021","expedia_Code":"OCBCSG9","feeText":"S$192.60","foreignSalary":45000,"foreignSalaryText":"S$45,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/OCBC-90N.jpg","isActiveInTools":true,"issuer":"OCBC","latePayment":100,"link":{"affiliate":"https:\/\/www.ocbc.com\/personal-banking\/cards\/90-degrees-travel-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=organic","facebookAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/90-degrees-travel-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=facebookads","googleAds":"https:\/\/www.ocbc.com\/personal-banking\/cards\/90-degrees-travel-credit-card?AgentSourceCode=ValueP&AgentIntroducerID=googleads"},"name":"OCBC 90\u00b0N Card","petrolSavings":"Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso","pros":"Versatile rewards: cashback or miles | Cashback: Unltd. 1.2% locally, 2.1% overseas | Miles: 1.2 mi\/S$1 locally, 2.1 mi overseas | Annual bonus worth S$100 or 10k mi | No conversion fees & rewards never expire","rating":83.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"general":{"rate":1.2},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"overseas":{"rate":2.1,"text":"2.1 mi per S$1 spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend"},"travel":{"rate":2.1,"text":"2.1 mi per S$1 spend in foreign currency"},"utilities":{"rate":0,"text":"Not covered"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","standOut":"Earn unlimited cashback & miles, no conversion fees","suppCard":96.3,"toc":"Unlimited cashback + miles & annual renewal bonus","travelPromo":"Up to 10% cashback with Expedia, Booking","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: EARN 7 MI\/S$1 ON BOOKINGS WITH AGODA","ratingCategory1":95,"ratingCategory2":75,"ratingCategory3":80,"active":true,"promotions":"[ { \"promotion\" : \"Book now with Agoda and earn 7 mi per S$1 on foreign currency bookings and 6 mi per 1S$ for bookings made in SGD (until July 31, 2021)\" , \"promotionShort\" : \"PROMO: GET 7 MILES PER S$1 ON AGODA\" , \"promotion2\" : \"Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver)\" , \"promotion5\" : \"Promotion: Book now with Agoda and earn 7 mi per S$1 on foreign currency bookings and 6 mi per 1S$ for bookings made in SGD (until July 31, 2021)\" , \"expiryDate\" : \"2021\/07\/31 } ]"},{"_id":80,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","category":["dining","travel","entertainment","shopping","transportation","promotion"],"cons":"Rewards capped at 4k mi (10k pts) per month | S$192.60 fee waived just 1 year | General spend earns 0.4 mi per S$1","description":"Top Miles for Lazada Loyalists & Rewards for Social Spend","editorial":{"perks":"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","reviewLink":"\/citi-lazada-card-review","reviewSummary":"Citi Lazard Card is a great option for low-to-medium spenders who looking to earn rewards on online shopping with Lazard and other social spend. With this card you can earn 4 miles per S$1 on Lazard and 2 miles per S$1 spend on dining, transport and entertainment.","tagline":"Great Miles Card for Lazard Loyalists"},"expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$192.60","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citibank_Lazada_12-12-19.jpg","isActiveInTools":true,"issuer":"Citibank","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=357&p=60&ev=affclk&k=452dbd39b5abf42f"},"name":"Citi Lazada Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"4 mi (10pts) per S$1 spend on Lazada | 2 mi (5pts) on dining, transport & more | Shipping rebates & exclusive Lazada deals","rating":81.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":2,"text":"2 miles per S$1 spend on dining, travel, entertainment and commute"},"entertainment":{"rate":2,"text":"2 miles per S$1 spend on dining, travel, entertainment and commute"},"general":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"grocery":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"medical":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"overseas":{"rate":2,"text":"2 miles per S$1 spend on dining, travel, entertainment and commute"},"petrol":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"shopping":{"rate":4,"text":"4 miles per S$1 spend at Lazada"},"telecommunications":{"rate":0.4,"text":"0.4 miles per S$1 general spend"},"transportation":{"rate":0,"text":"all transit transactions excluded"},"travel":{"rate":2,"text":"2 miles per S$1 spend on dining, travel, entertainment and commute"},"utilities":{"rate":0,"text":"Utilities excluded"}},"conversion":{"miles":2,"points":1,"rate":0.01},"totalRewardsMonthlyCap":40},"rewardsType":"miles\/points","standOut":"Miles & discounts w\/ Lazada + dining, entertainment & Grab","toc":"Up to 4 miles per S$1 spend on Lazada","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$150 LAZADA & S$100 REDMART VOUCHERS","ratingCategory1":85,"ratingCategory2":80,"ratingCategory3":80,"active":true,"promotions":[{"promotion":"New Citi cardmembers get 3 S$50 Lazada vouchers & 4 S$25 Redmart vouchers with S$250 min spend within 1 month of card approval (until Aug 31, 2021)","promotionShort":"PROMO: GET S$250 IN LAZADA & REDMART VOUCHERS","promotion2":"Use code CITINC21 to get S$10 off foodpanda for new customers spending at least S$15 online with Citi Credit Cards (until Dec 31, 2021)","promotion5":"Promotion: Sign up and receive a welcome gift of S$250 Lazada & RedMart Vouchers with S$250 min spend within first month of card approval (until Aug 31, 2021) + more!","expiryDate":"2021\/08\/31"},{"promotion":"Use code CITINC21 to get S$10 off foodpanda for new customers spending at least S$15 online with Citi Credit Cards (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":81,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","category":["general","overseas","shopping","promotion"],"cons":"Average or lower spenders looking to maximise rewards|Those with specialised spend (i.e. dining, shopping)|Consumer looking to avoid an annual fee","description":"Market-Leading 1.6% Unlimited Cashback on All Local & Overseas Spend","editorial":{"perks":"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","reviewLink":"\/citi-cash-back-plus-credit-card-review","reviewSummary":"Citi Cash Back+ Card offers highest unlimited flat cashback rate of 1.6% on all expenditures in Singapore and abroad, making it ideal for high-spenders looking to maximize their rewards on all spend with no limits.","tagline":"Best Unlimited Cashback on All Local and Overseas Spend"},"expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$192.60","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citibank_Cash_Back_Plus_MC_03-08-2020.png","isActiveInTools":true,"issuer":"Citibank","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=85&p=70&ev=affclk&k=f335e740e4f6dcbd"},"name":"Citi Cash Back+ Card","petrolSavings":"Up to 14% fuel savings at Esso & Shell","pros":"Affluent consumers spending S$7k+\/mo|People interested in an easy-to-use flat rate card|Those looking to avoid spend requirements or rewards caps","rating":85,"rewardsRate":{"categories":{"dining":{"rate":0.016,"text":"1.6% cashback on spend"},"general":{"rate":0.016,"text":"1.6% cashback on spend"},"overseas":{"rate":0.016,"text":"1.6% cashback on spend"},"shopping":{"rate":0.016,"text":"1.6% cashback on spend"},"travel":{"rate":0.016,"text":"1.6% cashback on spend"},"utilities":{"rate":0}},"conversion":{"rate":1},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Top unlimited flat cashback rate of 1.6%","toc":"Unlimited 1.6% cashback on all spend","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET DYSON OR S$350 CASH WITHIN 1 MO.","ratingCategory1":90,"ratingCategory2":85,"ratingCategory3":80,"active":true,"promotions":[{"promotion":"Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval. (until July 31, 2021)","promotionShort":"PROMO: GET DYSON V8 SLIM FLUFFY OR BEOPLAY E8 3RD GEN OR S$350 CASH","promotion2":"Existing cardholders receive S$30 via PayNow (until July 31, 2021)","promotion3":"Receive 12% cashback credited through Crystal Jade Jadeite Membership (until Dec 31, 2021)","promotion5":"Promotion: Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"},{"promotion":"Receive 12% cashback credited through Crystal Jade Jadeite Membership (until Dec 31, 2021)","promotionShort":"PROMO: GET 12% CASHBACK VIA CRYSTAL JADE JADEITE MEMBERSHIP","promotion5":"Promotion: Receive 12% cashback credited through Crystal Jade Jadeite Membership (until Dec 31, 2021)","expiryDate":"2021\/12\/31"}]},{"_id":83,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":192.6,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"S$200 cash on first annual fee payment + 10K renewal miles bonus (worth S$100)","value":300},"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.26,"booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","category":["general","dining","entertainment","grocery","medical","overseas","petrol","shopping","transportation","travel","promotion","taxes"],"editorial":{"perks":"Annual fee: S$192.60 |45,000 miles welcome offer |10,000 miles renewal bonus (worth S$100)| 1.2 miles per S$1 local spend, 2 miles overseas | Miles earned never expire | 2 free lounge visits & free travel insurance","reviewLink":"\/citi-premiermiles-visa-card-review","reviewSummary":"While it doesn't have as many perks, the Citi PremierMiles Card offers travelers 2 miles per S$1 on overseas spend and 10,000 annual renewal bonus miles that compensate for its annual fee, which also offers a way to earn bonus miles. Free travel insurance included.","tagline":"Best Travel Card for Average Consumers"},"expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"S$192.60","financeCharges":"20-29%","foreignSalary":42000,"foreignSalaryText":"S$42,000","fxFee":0.0325,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi-pmv-20190404.png","isActiveInTools":false,"issuer":"Citibank","latePayment":80,"link":{"affiliate":"https:\/\/singsaver.link\/vc-citi-pmvfp"},"name":"Citibank PremierMiles (with Bonus)","rating":96,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"travel":{"rate":1.2,"text":"EXPIRED: Exclusive travel promotions (end early 2019) include: 10 Miles per S$1 Spend at Kaligo, up to 7 Miles per S$1 Spend at Agoda, and up to 3 Miles per S$1 Spend (or 15% off hotel booking) on Expedia. Standard rate 1.2 Miles per S$1 Spend applies for all other travel-related transactions"},"utilities":{"rate":0,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","suppCard":"Complementary","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: 45,000 MILES WITHIN FIRST 3 MONTHS","ratingCategory1":94,"ratingCategory2":100,"ratingCategory3":95,"active":false,"promotions":[{"promotion":"Earn 4 Citi Miles per S$1 spent on food delivery and home entertainment (until Aug 31, 2021)","promotionShort":"PROMO: EARN 4X MILES ON FOOD DELIVERY","promotion5":"Promotion: Earn 4 Citi Miles per S$1 spent on food delivery and home entertainment (until Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":82,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":192.6,"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","category":["dining","shopping","transportation","travel","overseas","general","petrol","promotion","utilities"],"cons":"Just 1.2 mi on non-category overseas spend | No lounge access perks | No spend-based fee-waiver","description":"Top Miles & Practical Travel Perks for SIA Loyalists","editorial":{"perks":"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\u2013with 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)","reviewLink":"\/krisflyer-uob-credit-card-review","reviewSummary":"UOB KrisFlyer Credit Card is a great option for SIA Loyalists who tend to fly on a budget. You can earn 3 miles per S$1 on all SIA and SilkAir transactions, and 3 miles per S$1 on dining, transport, online shopping and travel. In addition, you can enjoy travel perks such as baggage upgrades and priority check-in.","tagline":"Great Miles Card for Singapore Airlines Loyalists"},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$192.60","foreignSalary":80000,"foreignSalaryText":"S$80,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/KrisFlyer-UOB-Credit-2.png","isActiveInTools":true,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","link":{"affiliate":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001506&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001506:200521-evergreen:na:product:valuechampion&vid=valuechampion&pib=false","facebookAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001506&s_cid=pfs:sg:paid:aff:so:na:bu:na:001506:200521-evergreen:na:product:vc&vid=valuechampion&pib=false","googleAds":"https:\/\/forms.uob.com.sg\/bundle\/apply.html?productId=001506&s_cid=pfs:sg:paid:aff:refprg:na:bu:na:001506:200521-evergreen:na:product:vc&vid=valuechampion&pib=false"},"name":"KrisFlyer UOB Credit Card","petrolSavings":"Up to 13.6% fuel savings at Shell","pros":"3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop | Up to 3 mi on dining, transport, online shopping & travel | Expedited KF Elite Silver status, Scoot privileges | 10,000 annual bonus renewal miles","rating":90,"rewardsRate":{"categories":{"dining":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"general":{"rate":1.2,"text":"1.2 miles per S$1 on general spend"},"overseas":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"shopping":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"transportation":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"travel":{"rate":3,"text":"3 miles per S$1 spend on SIA, dining, shopping, travel, transport, general, overseas"},"utilities":{"rate":0}},"conversion":{"rate":0.01},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","shell_Disc":"Up to 13.6% fuel savings at Shell","spc_Disc":"Up to 20% fuel savings at SPC","standOut":"Boosted everyday miles w\/ SIA perks & privileges","toc":"3mi\/S$1 on dining, transport, shopping & travel","type":"Mastercard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"PROMO: GET S$150 ":"PROMO: GET S$150 CASH CREDIT","active":true,"ratingCategory1":90,"ratingCategory2":90,"ratingCategory3":90,"promotions":[{"promotion":"Receive 7,000 KrisFlyer miles with min spend of S$4,000 within 90 days of card approval (until July 31, 2021)","promotionShort":"PROMO: GET 7,000 KRISFLYER MILES","promotion5":"Promotion: Receive 7,000 KrisFlyer miles with min spend of S$4,000 within 90 days of card approval (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":84,"agoda":"7% off selected hotels worldwide","agoda_Booking":"Book by Dec.31, 2021","annualFee":0,"annualRewardsPromo":{"isFirstYearOnly":true,"text":"S$200 cash on first annual fee payment + 10K renewal miles bonus (worth S$100)","value":300},"annualSalary":30000,"annualSalaryText":"S$30,000","booking":"Up to 10% cashback on hotel bookings","booking_Booking":"Book by Mar.31, 2021","category":["general","dining","entertainment","grocery","medical","overseas","petrol","shopping","transportation","travel","promotion"],"editorial":{"perks":"Annual fee: S$192.60 (first year - waived)| 10,000 miles renewal bonus (worth S$100) | 1.2 miles per S$1 local spend, 2 miles overseas | Miles earned never expire | 2 free lounge visits & free travel insurance","reviewLink":"\/citi-premiermiles-visa-card-review","reviewSummary":"While it doesn't have as many perks, the Citi PremierMiles Card offers travelers 2 miles per S$1 on overseas spend and 10,000 annual renewal bonus miles that compensate for its annual fee (which this option waives in the first year). Free travel insurance included.","tagline":"Best Travel Card for Average Consumers"},"expedia":"9% off hotels, S$15 off Flight+ Hotel packages","expedia_Booking":"Book by Dec.31, 2021","feeText":"None","foreignSalary":42000,"foreignSalaryText":"S$42,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/Citi-pmv-20190404.png","isActiveInTools":true,"issuer":"Citibank","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=91&p=97&ev=affclk&k=901059dd20aa62ad"},"name":"Citibank PremierMiles (with Fee Waiver)","rating":96,"rewardsRate":{"categories":{"dining":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"entertainment":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"general":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"grocery":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"medical":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"overseas":{"rate":2,"text":"2 Miles per S$1 Spend for overseas spend in foreign currency"},"petrol":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Card membership also offers opportunity to save up to 14% on fuel at Esso and Shell; see additional rebate column)"},"shopping":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"telecommunications":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"transportation":{"rate":1.2,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"},"travel":{"rate":1.2,"text":"EXPIRED: Exclusive travel promotions (end early 2019) include: 10 Miles per S$1 Spend at Kaligo, up to 7 Miles per S$1 Spend at Agoda, and up to 3 Miles per S$1 Spend (or 15% off hotel booking) on Expedia. Standard rate 1.2 Miles per S$1 Spend applies for all other travel-related transactions"},"utilities":{"rate":0,"text":"1.2 Miles per S$1 Spend for local spend (Citi PayAll lets you earn 1 mi \/ S$1 on utilities, insurance prems, rent, and more, but there's a S$100~ service fee per payment, which cancels out earnings)"}},"conversion":{"rate":0.01,"text":"Approximate S$ Redemption Value per 1 Mile"},"totalRewardsMonthlyCap":0},"rewardsType":"miles\/points","type":"Mastercard","waiverMin":0,"waiverYears":0,"PROMO: GET S$150 ":"PROMO: GET DYSON COOL FAN OR S$350 CASH ","ratingCategory1":94,"ratingCategory2":100,"ratingCategory3":95,"active":true,"promotions":[{"promotion":"Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval. (until July 31, 2021)","promotionShort":"PROMO: GET DYSON V8 SLIM FLUFFY OR BEOPLAY E8 3RD GEN OR S$350 CASH","promotion2":"Existing cardholders receive S$30 via PayNow (until July 31, 2021)","promotion3":"Earn 4 Citi Miles per S$1 spent on food delivery and home entertainment (until Aug 31, 2021)","promotion5":"Promotion: Receive Dyson V8 Slim Fluffy (worth S$549) OR Beoplay E8 3rd Gen Truly Wireless Bluetooth Earphone (worth S$449) OR S$350 cash via PayNow with S$500 min spend within 30 days of card approval. (until July 31, 2021)","expiryDate":"2021\/07\/31"},{"promotion":"Earn 4 Citi Miles per S$1 spent on food delivery and home entertainment (until Aug 31, 2021)","promotionShort":"EARN 4X MILES ON FOOD DELIVERY","promotion5":"Promotion: Earn 4 Citi Miles per S$1 spent on food delivery and home entertainment (until Aug 31, 2021)","expiryDate":"2021\/08\/31"}]},{"_id":85,"active":false,"agoda":"20% off accommodation bookings","agoda_Booking":"Book by Mar.31, 2021","annualFee":214,"annualSalary":50000,"annualSalaryText":"S$50,000","booking":"Up to 10% cashback on accommodation bookings","booking_Booking":"Book by Apr.18, 2021","category":["general","petrol","overseas"],"cons":"General spend earns 0.4 mi (0.2 UNI$) \/ S$1 | S$1k local + S$1k overseas min. spend | Petrol rate excludes SPC & Shell | Few travel perks","description":"Boosted Rewards for Occasional Travellers with Moderate Budgets","editorial":{"reviewLink":"\/uob-visa-signature-card-review","reviewSummary":"UOB Visa Signature Card is a great option for miles-seeking consumers who frequently travel and have moderate budgets. With this card, you can earn 4 miles per S$1 spend on petrol and all contactless purchases locally, as well as 4 miles per S$1 spend overseas.","perks":"Annual fee: S$214 ( waived for one year) | 10 miles (5 UNI$) per S$1 spend overseas, petrol and contactless transactions (w\/ S$1k min. spend) | 0.4 miles (0.2 UNI$) per S$1 spend on all other transactions | Free travel insurance | Access to SMART$ Programme | UOB Year-Round Privileges"},"expedia":"9% off hotel bookings or S$15 off flight + hotel package booking with S$500 min spend","expedia_Booking":"Book by Dec. 31, 2021","expedia_Code":"9% off promo code UOBSG9. S$15 off promo code UOBSG15.","feeText":"S$214","foreignSalary":80000,"foreignSalaryText":"S$80,000","has_application":false,"image":"referral_logos\/sg\/credit_cards\/uob-visa-signature-card.png","isActiveInTools":false,"issuer":"UOB","klook":"S$20 off hotel bookings with S$200 min spend and S$50 off hotel bookings with S$500 min spend","klook_Booking":"Book by June 30, 2021","link":{"affiliate":"https:\/\/singsaver.link\/vc-boc-fam"},"name":"UOB Visa Signature Card","pros":"4 mi (2 UNI$) \/ S$1 local contactless & petrol | 4 mi (2 UNI$) \/ S$1 overseas (inc. online) | Access to SMART$ Rebate programme | Free travel insurance","rating":80,"standOut":"Boosted miles for petrol, contactless transactions & overseas","suppCard":107,"toc":"Up to 4mi\/S$1 on local petrol, contactless & overseas","type":"Visa","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"ratingCategory1":90,"ratingCategory2":70,"ratingCategory3":80,"petrolSavings":"Up to 20% fuel savings at SPC, 14% at Shell","promotions":[{"promotion":"Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until July 31, 2021)","promotionShort":"GET S$150 CASH CREDIT","promotion5":"Promotion: Receive S$150 cash credit with S$1,500 min spend within 30 days of card approval, for first 100 applicants (until July 31, 2021)","expiryDate":"2021\/07\/31"}]},{"_id":86,"annualFee":203.3,"annualSalary":30000,"annualSalaryText":"S$30,000","category":["general","overseas","travel"],"cons":"Slightly higher S$203.3 annual fee | S$30 conversion fee, no auto-enrolment | No travel perks or bonus miles","description":"Great Miles Rates Locally & Abroad","editorial":{"perks":"Annual fee: S$203.30 (or 30,000 BOC Bonus Points = 6,667 miles)| 2 KrisFlyer Miles or Asia Miles per S$1 overseas spend| 1 KrisFlyer Miles or Asia Miles per S$1 local spend | Enjoy access to shopping and dining vouchers | 24\/7 Concierge Service","reviewLink":"\/boc-elite-miles-world-mastercard-review","reviewSummary":"BOC Elite Miles Mastercard is a great option for those looking to rapidly accrue miles on every purchase. With this card, you can earn 2 miles per S$1 spend overseas and 1 mile per S$1 spend locally.","tagline":"Great Mileage Accrual, at Home and Abroad"},"feeText":"S$203.30","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/BOC_Elite_Miles_World_Mastercard.jpg","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=141&p=131&ev=affclk&k=97c0c38434831008"},"name":"BOC Elite Miles World Mastercard","promotion":"Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","promotion5":"Promotion: Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","pros":"2 miles (9 pts) per S$1 overseas | 1 mile (4.5 pts) per S$1 locally | BOC Points can be converted to both KrisFlyer Miles or Asia Miles","rating":78.33333333333333,"rewardsRate":{"categories":{"general":{"rate":1,"text":"2 miles per S$1 overseas spend and 1 miles per S$1 local spend"},"overseas":{"rate":2,"text":"2 miles per S$1 overseas spend and 1 miles per S$1 local spend"},"travel":{"rate":2,"text":"2 miles per S$1 overseas spend and 1 miles per S$1 local spend"},"utilities":{"rate":0}},"conversion":{"rate":0.01}},"rewardsType":"miles\/points","standOut":"Great miles rates","suppCard":101.65,"toc":"2 miles\/S$1 overseas and 24\/7 Concierge Service","type":"Mastercard","waiverMin":0,"waiverYears":0,"active":false,"ratingCategory1":80,"ratingCategory2":75,"ratingCategory3":80,"waiverText":"Waived for 1 year"},{"_id":87,"annualFee":203.3,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.29,"category":["dining","shopping","petrol"],"cons":"Frequent travellers| Those with larger budgets (above S$3,000) | Those looking for rebates on groceries","description":"Earn Cashback and Loyalty Points on Local and Overseas Spend","editorial":{"perks":"Annual fee: S$203.30 (waived for 2 years) | 15% cashback on petrol, 5% on dining and shopping | 3% cashback on online spend and 10% cashback at Buzz | 10% cash rebate on Zaobao & SPH newspaper subscriptions | 3% cashback on MCST fees | Unlimited bonus 1% cashback on all retail spend above S$2,000 | No currency exchange fees for RMB transactions | 2 BOC bonus points on S$1 overseas spend and 1 BOC bonus point on S$1 local spend","reviewSummary":"A truly unique card, BOC Zaobao allows customers to earn both cashback on certain spend categories, as well as BOC bonus points on local and overseas spend. Best suited for those who spend above S$2,000 per month, a requirement to earn an additiional unlimited 1% bonus cashback."},"feeText":"S$203.30","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.032,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/BOC_Zaobao_Card","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=142&p=132&ev=affclk&k=c94e4d0e7c7ae728"},"name":"BOC Zaobao Credit Card","petrolSavings":"23% savings on petrol at SPC and 5% savings at Shell","promotion":"Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","promotion5":"Promotion: Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","pros":"Those who spend either min S$600\/mo or S$2,000\/mo | Those who make transactions in RMB | Those who want to earn both cashback and loyalty points","rating":85,"rewardsRate":{"categories":{"dining":{"limit":15,"rate":0.05,"text":"5% rebate on dining spend"},"entertainment":{"text":"No general rate and no mention of entertainment rate"},"general":{"rate":0,"text":"There is no general rate for the card, only categories included are: petrol, zaobao and SPH newspaper subscriptions, MCST fees, dining, shopping, online spend and spend at buzz. With spend above S$2,000 a bonus cashback rate of 1% will apply on all retail spend, but also above 2,000."},"grocery":{"text":"No general rate and no specific grocery rate given"},"medical":{"text":"No general rate and no specific medical rate given"},"overseas":{"text":"No general rate and no specific overseas rate given"},"petrol":{"limit":"Cashback capped at S$30 (cap shared with Zaobao and SPH newspaper subscription and MCST fees cap)","rate":0.235,"text":"Up to 23.5% savings on petrol"},"shopping":{"limit":15,"rate":0.05,"text":"5% cash rebate on spend at Department Stores"},"telecommunications":{"text":"No general rate and no specific telecommunications rate given"},"transportation":{"text":"No general rate and no specific transportation rate given"},"travel":{"rate":0,"text":"No general rate and no specific travel rate given"},"utilities":{"rate":0,"text":"No general rate and no specific utilities rate given"}},"conversion":{"rate":1},"totalRewardsMonthlyCap":60},"rewardsType":"cashback","shell_Disc":"15% cash rebate on Shell transactions","spc_Disc":"15% cash rebate on Esso transactions","standOut":"15% on rebate on petrol transactions","suppCard":101.65,"toc":"15% rebate on petrol transactions","type":"UnionPay","waiverMin":0,"waiverYears":0,"active":false,"ratingCategory1":85,"ratingCategory2":90,"ratingCategory3":80,"waiverText":"Waived for 2 years"},{"_id":88,"annualFee":374.5,"annualSalary":120000,"annualSalaryText":"S$120,000","apr":0.29,"category":["general"],"cons":"No rewards rate for overseas spending | High income requirement (S$120,000) and annual fee (S$374.50)","description":"An exclusive card with a unique combination of premium travel perks and low but unlimited local cashback.","editorial":{"perks":"Annual fee: S$374.50 (first year waived) | 1% cash rebate on all local purchases | No minimum spend and no caps | Waiver of 1.5% currency exchange fees on overseas transactions | Complimentary S$1 million travel insurance | Complimentary purchase protection","reviewSummary":"BOC Visa Infinite Card is a great option for high local spenders as well as frequent travelers, as it offers 1% unlimited cash rebate on all local purchases, with no min spend and no caps, waiver of currency exchange fees and complimentary travel insurance."},"feeText":"S$374.50","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/BOC_Visa_Infinite_card","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=140&p=133&ev=affclk&k=c13117c1d9c7b033"},"name":"BOC Visa Infinite Card","promotion":"Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","promotion5":"Promotion: Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","pros":"Unlimited 1% cashback on all purchases in Singapore | Waives 1.5% currency exchange fees on overseas transactions | Great perks like 24-hour lifestyle concierge, Plaza Premium Lounge access for 2, and S$1 million travel insurance","rating":88.33333333333333,"rewardsRate":{"categories":{"dining":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"entertainment":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"general":{"limit":0,"rate":0.01,"text":"1% unlimited cashback on all local purchases"},"grocery":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"medical":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"overseas":{"rate":0,"text":"This card only has 1% unlimited cash rebate on all purchases in Singapore"},"petrol":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"shopping":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"telecommunications":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"transportation":{"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"travel":{"rate":0,"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"},"utilities":{"rate":0,"text":"1% cashback on all purchases made in Singapore applies here (therefore same as the general rate)"}},"conversion":{"rate":1},"totalRewardsMonthlyCap":0},"rewardsType":"cashback","standOut":"Unlimited 1% earnings on all local purchases, no caps","suppCard":187.25,"toc":"Unlimited 1% earnings on all local purchases, no caps","type":"Infinite","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":false,"ratingCategory1":80,"ratingCategory2":95,"ratingCategory3":90,"foreignSalary":"NA","foreignSalaryText":"S$120,000"},{"_id":89,"annualFee":203.3,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.29,"category":["general","transportation","entertainment","online","dining","shopping"],"description":"Shoppers and commuters will appreciate this card's cashback rates of up to 15%, although rewards can only be spent at Qoo10.","editorial":{"perks":"Annual fee: S$203.30 (first year waived) | 10% cashback on Qoo10 transactions, 15% on public transport| 3% cashback on fast food, entertainment and online spend | 0.3% all other spend | S$70 monthly cap","reviewSummary":"BOC Qoo10 World Mastercard is a good option for frequent Qoo10 shoppers, offering 10% on Qoo10 spend, 15% on public transport and 0.3%. Best suited for those who spend at least S$800 per month."},"feeText":"S$203.30","foreignSalary":0,"foreignSalaryText":"None","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc-qoo10-world-mastercard-1","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=143&p=141&ev=affclk&k=abf5ab5c3e826cf9"},"name":"BOC Qoo10 World MasterCard","promotion":"Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","promotion5":"Promotion: Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","pros":"Very high cashback of 10% at Qoo10 and 15% on public transportation | 3% cashback in useful categories like online shopping, entertainment, and overseas | Annual fee waived in first year","rating":76.66666666666667,"rewardsRate":{"categories":{"dining":{"rate":0.03,"text":"3% cashback on local fast food"},"entertainment":{"rate":0.03,"text":"3% cashback on entertainment"},"general":{"limit":40,"rate":0.003,"text":"0.3% on all other spend"},"grocery":{"text":"Assume 0.3% general rate applies here (since no specific mention of grocery category)"},"medical":{"text":"Assume 0.3% general rate applies here (since no specific mention of medical category)"},"overseas":{"rate":0.03,"text":"3% cashback on overseas spend"},"petrol":{"text":"Assume 0.3% cashback on all other spend applies here"},"shopping":{"limit":30,"rate":0.1,"text":"10% cashback on Qoo10 spend"},"telecommunications":{"text":"Assume 0.3% cashback on all other spend applies here"},"transportation":{"rate":0.15,"text":"15% cashback on public transportation"},"travel":{"rate":0,"text":"Assume 0.3% cashback on all other spend applies here"},"utilities":{"rate":0,"text":"Assume 0.3% cashback on all other spend applies here"}},"conversion":{"rate":1},"totalRewardsMonthlyCap":70},"rewardsType":"cashback","standOut":"10% rebate on Qoo10 purchases & 15% on public transport","suppCard":101.65,"toc":"10% rebate on Qoo10 purchases","type":"MasterCard","waiverMin":0,"waiverText":"Waived for 1 year","waiverYears":1,"active":false,"cons":"Max cashback of S$70 per month | Rewards are only redeemable at Qoo10 | Higher annual fee than BOC Qoo10 Platinum","ratingCategory1":80,"ratingCategory2":60,"ratingCategory3":90},{"_id":90,"annualFee":32.1,"annualSalary":0,"annualSalaryText":"None","apr":0.29,"category":["general","transportation","entertainment","online","dining","shopping"],"cons":"Max cashback of S$30 per month | Rewards are only redeemable at Qoo10","description":"This card offers students decent cashback on Qoo10 purchases and public transport, but its rewards can only be spent at Qoo10.","editorial":{"perks":"Annual fee: S$32.10 (first year waived)| 3% cashback on Qoo10 spend | 10% cashback on public transport| 3% on local fast food, entertainment, taxis, online, and overseas spend | Monthly cap S$30","reviewSummary":"BOC Qoo10 Platinum Mastercard is a good fit for those who spend at least S$200\/month, earning 3% on Qoo10 purchases, 10% on public transportation and 0.3% on other spend."},"feeText":"S$32.10","foreignSalary":0,"foreignSalaryText":"None","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc-qoo10-platinum-mastercard-1","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=144&p=140&ev=affclk&k=93ba6d147601d876"},"name":"BOC Qoo10 Platinum Mastercard","pros":"10% cashback on public transportation, 3% on Qoo10 and other select purchases | Low annual fee and minimum spend requirement","rating":78.33333333333333,"rewardsRate":{"categories":{"dining":{"rate":0.03,"text":"3% cashback on local fast food"},"entertainment":{"rate":0.03,"text":"3% cashback on entertainment"},"general":{"limit":20,"rate":0.003,"text":"0.3% on all other spend"},"grocery":{"text":"Assume 0.3% general rate applies here (since no specific mention of grocery category)"},"medical":{"text":"Assume 0.3% general rate applies here (since no specific mention of medical category)"},"overseas":{"rate":0.03,"text":"3% cashback on overseas spend"},"petrol":{"text":"Assume 0.3% cashback on all other spend applies here"},"shopping":{"limit":10,"rate":0.03,"text":"3% cashback on Qoo10 spend"},"telecommunications":{"text":"Assume 0.3% cashback on all other spend applies here"},"transportation":{"rate":0.1,"text":"10% cashback on public transportation"},"travel":{"rate":0,"text":"Assume 0.3% cashback on all other spend applies here"},"utilities":{"rate":0,"text":"Assume 0.3% cashback on all other spend applies here"}},"conversion":{"rate":1},"totalRewardsMonthlyCap":30},"rewardsType":"cashback","standOut":"Low S$200 minimum spend requirement & 10% cashback on transport transactions","suppCard":16.05,"toc":"Low S$200 minimum spend requirement for perks","waiverMin":0,"waiverText":"Waived for 3 years","waiverYears":1,"active":false,"ratingCategory1":75,"ratingCategory2":60,"ratingCategory3":100},{"_id":91,"annualFee":32.1,"annualSalary":30000,"annualSalaryText":"S$30,000","apr":0.29,"category":["grocery","overseas","general"],"cons":"Highest cashback capped at S$75 & only applies to Sheng Siong | Rules for rewards are slightly complicated | No extra perks or benefits","description":"An excellent 12% cashback on Sheng Shiong groceries plus unlimited cashback on travel make this a great option for larger households.","editorial":{"perks":"Annual fee: S$32.10 (first year waived)| Up to 12% cashback on Sheng Siong | 1.6% unlimited cashback on all overseas spend | 0.3% cashback on all other spend","reviewSummary":"This is a great card for frequent Sheng Siong shoppers, with an up to 12% cashback rate (capped at S$75) and an additional 1.6% cashback on overseas spend."},"feeText":"S$32.10","foreignSalary":60000,"foreignSalaryText":"S$60,000","fxFee":0.03,"has_application":false,"image":"referral_logos\/sg\/credit_cards\/boc-sheng-siong-1","isActiveInTools":false,"issuer":"Bank of China","link":{"affiliate":"https:\/\/pixel.ekosconnect.com\/px?a=239&c=130&p=135&ev=affclk&k=66205df35f8f1d10"},"name":"Bank of China Sheng Siong Card","promotion":"Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","promotion5":"Promotion: Use promo code \u003C\u003CMBSS2\u003E\u003E when applying","pros":"Up to 12% cashback on purchases at Sheng Siong | Unlimited 1.6% cashback overseas and 0.3% cashback on local spend | Low annual fee of S$32.10, waived in first year","rating":80,"rewardsRate":{"categories":{"dining":{"text":"Assume 0.3% rebate on all other spend applies here"},"entertainment":{"text":"Assume 0.3% rebate on all other spend applies here"},"general":{"limit":0,"rate":0.003,"text":"0.3% cashback on all local spend (no cap)"},"grocery":{"limit":75,"rate":0.12,"text":"Up to 12% cashback on Sheng Siong"},"medical":{"text":"Assume 0.3% rebate on all other spend applies here"},"overseas":{"rate":0.016,"text":"1.6% unlimited cashback on all overseas spend"},"petrol":{"text":"Assume 0.3% rebate on all other spend applies here"},"shopping":{"text":"Assume 0.3% rebate on all other spend applies here"},"telecommunications":{"text":"Assume 0.3% rebate on all other spend applies here"},"transportation":{"text":"Assume 0.3% rebate on all other spend applies here"},"travel":{"rate":0,"text":"Assume 0.3% rebate on all other spend applies here"},"utilities":{"rate":0,"text":"Assume 0.3% rebate on all other spend applies here"}},"conversion":{"rate":1}},"rewardsType":"cashback","standOut":"Up to 12% cashback on Sheng Siong purchases","suppCard":16.05,"toc":"Up to 12% cashback on Sheng Siong purchases","waiverMin":0,"waiverText":"Waived for 3 years","waiverYears":1,"active":false,"ratingCategory1":85,"ratingCategory2":60,"ratingCategory3":95},{"_id":93,"annualSalary":0,"annualSalaryText":"NA","cons":"Those whose cards offer low rewards rates","description":"Automatic bill payment service that lets you earn rewards from your transactions","editorial":{"reviewLink":"\/cardup-review","tagline":"Good Bill Payment Service That Lets You Earn Rewards","perks":"Annual fee: none, only applicable processing fees | Compatible with Visa, MasterCard, American Express and UnionPay | Earn rewards on rent, electricity, insurance, property and income taxes, can loans |Set up one-off \/ recurring payments, or schedule them in advance|Monitor past and upcoming payments all on one platform"},"foreignSalaryText":"NA","has_application":false,"image":"referral_logos\/sg\/apps\/CardUp_logo.png","isActiveInTools":false,"issuer":"CardUp","link":{"affiliate":"https:\/\/discover.cardup.co\/valuechampion\/?utm_source=valuechampion&utm_medium=affiliate&utm_campaign=personal_valuechampion&utm_content="},"name":"CardUp","pros":"Those who have many recurring bills|Individuals who have high credit limits","rewardsRate":{"categories":{"travel":{"rate":0},"utilities":{"rate":0}}},"waiverMin":0,"waiverYears":0,"promotion":"CardUp users with a personal account can enjoy 1.75% fee for one income tax payment with code VCTAX2021, not valid with Amex credit cards (for payments scheduled before Aug.24, 2021)","promotion5":"Promotion: CardUp users with a personal account can enjoy 1.75% fee for one income tax payment with code VCTAX2021, not valid with Amex credit cards (for payments scheduled before Aug.24, 2021)","promotion2":"Use code GET225 to qualify for 2.25% fee on all payments (until Dec 31, 2021)","toc":"Earn rewards on rent, electricity, insurance, taxes and car loan payments","standOut":"Earn rewards on rent, electricity, insurance, taxes and car loan payments","active":false,"promotions":"[ { \"promotion\" : \"CardUp users with a personal account can enjoy 1.75% fee for one income tax payment with code VCTAX2021, not valid with Amex credit cards (for payments scheduled before Aug.24, 2021)\" , \"promotionShort\" : \"\" , \"promotion2\" : \"Use code GET225 to qualify for 2.25% fee on all payments (until Dec 31, 2021)\" , \"promotion3\" : \"\" , \"promotion5\" : \"Promotion: CardUp users with a personal account can enjoy 1.75% fee for one income tax payment with code VCTAX2021, not valid with Amex credit cards (for payments scheduled before Aug.24, 2021)\" ,\"expiryDate\" : \"2021\/08\/24\" },{\"promotion\" : \"Use code GET225 to qualify for 2.25% fee on all payments (until Dec 31, 2021)\" ,\"expiryDate\" : \"2021\/12\/31\"]"},{"_id":92,"annualSalary":0,"annualSalaryText":"NA","cons":"thl","description":"Online rent paying service that allows you to earn rewards on your rent payments","editorial":{"reviewLink":"\/renthero-review","tagline":"Good Rent Payment Service That Lets You Earn Rewards"},"foreignSalaryText":"NA","has_application":false,"image":"referral_logos\/sg\/apps\/renthero-1.png","isActiveInTools":false,"issuer":"RentHero","link":{"affiliate":"https:\/\/renthero.com.sg\/"},"name":"RentHero","pros":"DBS and Maybank cardholders who want to earn miles on their rent payments","rewardsRate":{"categories":{"travel":{"rate":0},"utilities":{"rate":0}}},"waiverMin":0,"waiverYears":0,"active":false},{"_id":94,"annualFee":150,"annualSalary":30000,"annualSalaryText":"S$30,000","category":["general","travel","dining","petrol","shopping","groceries","entertainment","medical","transportation","telecom","utilities","overseas"],"cons":"Lower cashback rate than cards with caps or spend requirements | Higher local rewards only apply to dining and clothing shops | S$150 annual fee higher than average","description":"In addition to a custom design, the ICBC Horoscope offers strong cashback both abroad and on local dining and clothing purchases.","editorial":{"perks":"Annual fee: S$150 (waived for 3 years) | Unlimited 3% cashback on all spend in foreign currency | Unlimited 2% cashback on select shopping and dining spend in local currency | Unlimited 1% cashback on all other spend in local currency","reviewLink":"\/icbc-horoscope-credit-card-review","reviewSummary":"ICBC Horoscope Credit Card offers up to 2% cashback on purchases in Singapore and up to 3% on purchases abroad with no minimum spend, making it a great option for frequent travelers. 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Best Cashback Credit Cards in Singapore

Credit CardBest ForRate
Maybank Family & FriendsEveryday household spend8%
OCBC FrankOnline, mobile and foreign currency spend6%
Citi Cash BackDining, groceries and petrol6%-8%
POSB EverydayDeliveroo and foodpanda deals10%
UOB OneShopee, Dairy Farm and Grab deals10%
UOB EVOLOnline, mobile spend & sustainable deals8%
UOB Absolute CashbackUnlimited cashback on often excluded categories1.7%

If you're interested in a more detailed analysis of Singapore's strongest cashback card options, check out our curated list of picks for different types of consumers.

Best Cashback Credit Cards Overall:
Best Cashback Credit Cards with No Annual Fee:
  • OCBC 365: 6% rebate on dining, 3% rebate on groceries, utilities and travel, Visa Concierge Services
  • HSBC Visa Platinum: 5% rebate on groceries, dining & petrol, miles for general
  • CIMB Platinum MasterCard: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
Best Cashback Credit Cards for High-Income Individuals:
Best Cashback Credit Cards for Lower Spenders:
  • OCBC Frank: Up to 6% rebate for FX, online and mobile purchases, low S$600 min. spend requirement
  • Citi SMRT: 5% everyday rebates w/S$500 min spend
  • Maybank Platinum Visa: Up to 3.33% rebate on local and foreign currency spend
Best Credit Cards for Online Shopping & Mobile-Pay:
  • DBS Live Fresh: All-in-one card w/ top rebates for online & contactless spend
  • SC SingPost Spree: 3% rebate online overseas & vPost transactions
  • CIMB Visa Signature: 10% cashback on online shopping, groceries, beauty and wellness, pet shops and cruises
Best Cashback Credit Cards for Leisure & Entertainment:
  • UOB EVOL: Rebates on online and contactless spend with easy fee-waiver
  • CIMB World MasterCard: Unlimited 2% cashback on wine and dine, entertainment and 50% off green fees

How to Choose the Best Cashback Credit Card

Compared to other rewards credit cards, cashback cards are simple to understand: you get back a percentage of the amount you spend using the card, which is credited to your monthly statement. For instance, buying S$100 of groceries using a cashback credit card that gives you 5% cash back on groceries would lead to a credit of S$5 on your statement, or a total cost of S$95 to you on that purchase.

A graph displaying how best rewards credit cards compare to one another in terms of their rewards

To find the best cashback credit card for your particular needs, fill out the spending categories in our tool as accurately as you can. If you can provide a good estimate of how much money you spend per month in different areas, our rewards calculator will automatically show you a list of cards that would give you the highest value after considering monthly caps and differences in category cashback rates.

FAQs

A cashback credit card is a credit card that gives you a percentage of your spend back in cash, credited to your card. Some cashback cards will credit your account with cashback for your monthly purchases allowing you to choose which purchases to use that credit on, while others will credit your account automatically.

If your cashback credit card offers 5% cashback on all spend, then spending S$200 will earn you a S$10 credit on your card. However, it is important to keep in mind that most cards have a cap on how much cashback you can earn per month, quarter or year, as well as a minimum required spend per month to qualify for cashback. That is why selecting the right credit card for your spending profile is so crucial.

A cashback credit card is worth it if you are able to pay off your monthly credit card balance. Otherwise the cashback you will earn on your purchases will be outweighed by the interest you will have to pay on your balance. Read our guide to find the best cashback credit card for you.

The biggest difference between cashback, points, and miles is the flexibility they provide to consumers. While similar, they each have distinct characteristics.

Cashback rewards are perhaps the most flexible. When you make purchases on a cashback card, a designated percent of that spend value is returned to your account, often to offset your monthly bill. For example, 5% cashback on a S$100 eligible purchase means S$5 are credited back to your account.

Points rewards are also fairly flexible, because they can usually be redeemed for merchandise vouchers, air miles, or even cash credits. Every card issuer’s rewards system is a little different, so it’s worth checking out the terms and conditions for details. A benefit of points systems is that they are often paired with coupons and discounts with popular merchants. A drawback, however, is that converting points to miles often incurs a S$25 administrative fee.

Miles rewards are the least flexible, but can be more valuable to frequent travellers than points or cashback. Often, miles earned by spend on the card are directly transferred to the cardholder’s frequent flyer airline account. This means cardholders don’t need to worry about conversion fees or the hassle of manual transfers. In terms of value, 1 mile often equals between S$0.01 to S$0.08 in value-to-consumer.

The value of credit card rewards depends on how much effort you are willing to put in to redeem them, and how likely you will be to apply them. For example, while frequent travellers may be interested in points or miles rewards cards, those who don’t want to deal with the hassle of conversions or who are less likely to travel may prefer cashback. In fact, cash rebates are usually automatically applied to the next monthly statement, with no action required by the cardholder. Cashback is low-maintenance and worry-free, so if you’re looking for rewards that are easy and straightforward, cashback may be the best option for you.

To determine which type of credit card is best for you, it’s important to understand how much value they’ll ultimately provide–how much money do you get back for the amount you spend? While comparing cashback to cashback or miles to miles is fairly easy, it can be difficult when you want to compare cashback rewards to miles rewards.

To figure out a credit card’s rewards rate, you first need to determine the worth of its miles or points. How many points (or miles) are needed to redeem a certain prize? Divide the dollar value of that prize by the number of points needed for redemption. This tells you the dollar value per point. Next, multiply this value by the number of points earned for every S$100 spent to determine the rewards rate. We have collected data to calculate value of miles, which generally range from 1 cent to 8 cents per mile. Value of points will differ depending on the issuing bank's policies.

Finally, each card offers differently structured reward programs. For example, some cards will rebate 10% on dining, but will only yield 0.2% on other expenses. By understanding how your own monthly expenses are generally distributed across different categories, you can better calculate how much money you can save by using a card.

This analysis can help you accurately evaluate which card will result in the highest benefits for your budget.