Credit Cards
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Cashback Credit Cards
UOB One Credit Card
Maximum cashback for stable budgets.
Pros
- Good fit for budgets of at least S$2,000 per month
- Easy cashback on daily spend
- Gives rebates for paying bills
Cons
- Doesn't fit inconsistent budgets
- Annual fee
UOB Absolute Cashback Card
UOB Absolute Cashback gives you 1.7% limitless cashback on all categories, no limits, no minimums and no caps.
Pros
- Unlimited cashback
- No min, caps or exclusions
- American Express Card privileges
Cons
- Low cashback rate for smaller budgets
- Annual fee
UOB EVOL Card
Everyday cashback on online and contactless spend
Pros
- Easy to use cashback card
- Great for budgets of at least S$600/month
- Rewards all online and mobile spend
Cons
- Cashback capped at S$60/mo
HSBC Live+ Credit Card
Earn cashback while living up your life by getting up to 8% cashback on dining, shopping and entertainment expenses.
Pros
- Great option for spenders who mainly spend on lifestyle expenses and have low necessity expenses like groceries or utilities
- Low minimum spend of S$600 a month
Cons
- Cashback capped at S$250 per quarter
- Base cashback rate is only 0.3% for all other types of qualifying spend
HSBC Advance Credit Card
People with high expenses will appreciate the HSBC Advance Credit Card cashback potential.
Pros
- Great fit for budgets between S$2,000 and S$8,000/month
- Easy, low-maintenance cashback
Cons
- Lacks travel perks
- Doesn't fit highly specialised spend behaviors
CIMB Visa Infinite
CIMB Visa Infinite Credit Card is a great fit for travellers who spend a lot overseas.
Pros
- Best fit for monthly budgets above S$2,000
- Unlimited 2% cashback on travel, overseas and online
- No annual fee credit card
Cons
- Lack cashback on essentials (ie groceries, bills)
- Doesn't reward airline & hotel spend
- Not a good fit for low-spenders
CIMB Visa Signature
With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions.
Pros
- Rewards online shopping, groceries and beauty spend
- Rewards pet spend and cruises
- No annual fee credit card
Cons
- Lacks discounts on transport & petrol
- Doesn't fit frequent travellers
- 10% cashback is capped at S$100 per statement month
CIMB World Mastercard
CIMB Word MasterCard is one of the highest unlimited cashback cards on the market.
Pros
- Enjoy 2% unlimited cashback on eligible merchant categories and 1% unlimited cashback on other spend
- Benefits highly diversified spending
Cons
- Minimum spend of $1,000 to enjoy the upsized 2% cashback on eligible merchants
- Travel, dining out and petrol spend are not eligible for upsized cashback
Air Miles Credit Cards
UOB Lady's Card
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 on the selected category
Pros
- High miles rewards (30 miles per $5 spent) on two categories of spending
- No minimum spend
Cons
- Cap of 2,800 bonus UNI$ (5,600 miles, equivalent to S$1,000 spend) per month
- Points have a 2 year expiry
KrisFlyer UOB Credit Card
UOB KrisFlyer Credit Card is a great option for SIA Loyalists who tend to fly on a budget.
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
Cons
- Just 1.2 mi on non-category overseas spend
- No lounge access perks
- No spend-based fee-waiver
UOB PRVI Miles Visa Card
UOB PRVI Miles Visa Card is a great fit for high spenders and frequent travelers looking to rapidly accrue miles, with no min spend both at home, abroad and on travel bookings.
Pros
- Great for rapid miles accrual
- Awards high spend on airlines & hotels
- Complimentary travel insurance
Cons
- Doesn't fit infrequent travellers with mostly local budgets
- Lacks luxury perks & privileges
American Express Singapore Airlines Business Credit Card
Best SME credit card for business travellers.
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Pros
- Firms that frequently conduct business overseas
- Companies with travelling upper-management execs
- Businesses who typically book with a variety of airlines
Cons
- Small businesses who only operate locally
- Those who rarely fly with SIA
HSBC TravelOne Credit Card
With the HSBC TravelOne Credit Card, cardholders can earn 1.2 miles per S$1 on local spend and up to 2.4 miles per S$1 on foreign spend.
Pros
- No minimum spend per month to earn miles rewards
- No cap on cashback earned per month
- Provides complimentary travel insurance coverage and airport lounge visits
Cons
- Not the best card for infrequent travellers with mostly local budgets
Learn More In Our Detailed Round Ups
Best Cashback Credit Cards in Singapore
Check out the best cashback credit cards in Singapore, considering factors such as annual fees, cashback rates and consumer spending habits to help streamline your decision process.
Best Air Miles Credit Cards in Singapore
Our research team analysed the fine print for all the best air miles credit cards in Singapore to identify which cards provide the highest value-to-consumers.
