Best Cashback Credit Cards in Singapore 2024

So you have managed to narrow down that you want a cashback credit card but are lost for choice as to which cashback credit card you should go for? Our team has evaluated the leading cashback credit cards in Singapore, considering factors such as annual fees, cashback rates and consumer spending habits to help streamline your decision process.

ValueChampion Editorial Team

by ValueChampion Editorial Team on Mar 11, 2024

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How We Compare Best Cash Back Credit Cards by Dollar Value

Cashback credit cards are a convenient alternative to points and miles cards that can offset your monthly card bill by earning rebates on specific kinds of spending.

We analysed the best cashback credit cards on the market to estimate their returned value-to-consumer, accounting for rebates, consumer spending habits and netting out annual fees. We discuss each of our top picks in detail to help you assess which ones are the best fit for your needs, accounting for various factors like monthly spending requirements, ease of use, and versatility.

Summary of Our Top Picks for Cashback Credit Cards in Singapore

Compare The Best Credit Cards in SingaporeFind Out More

Best Cashback Credit Cards in Singapore

UOB One Credit Card: Best Rebate Card for Stable Spenders

UOB One Credit Card

Maximum cashback for stable budgets.


UOB One Credit Card


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
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.20 (first year- waived)
  • 3.33% cashback on general spend with a minimum spend of S$500 and 5 transactions/mo
  • 5% cashback (min spend S$500/mo) to  6.67% cashback (min spend S$2,000/mo) on McDonald’s, Grab, Shoppee, SimplyGo, Cold Storage, UOB Travel and more
  • 1% cashback on Singapore Power Utilities bills
  • Up to 22.66% fuel savings at SPC
  • Get enhanced cashback of up to 15% for the first two months with the above select merchants for new-to-UOB cardmembers who apply from now until 31 March 2024

Analyst Review

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If you consistently spend S$2,000/month, you’ll enjoy some of the highest cashback on the market with the UOB One Card . Spend at this level earns up to 3.33% cashback, capped at S$200/quarter, on your general spending. This rate is further boosted with an additional 6.67% cashback on McDonald’s, Grab, Shoppee, SimplyGo, Giant, Cold Storage, CS Fresh, 7-Eleven, Jason’s, Jason’s Deli and UOB Travel. You will also get to enjoy 1% cashback on Singapore Power Utility bills.

Lower or inconsistent spend also earns 3.33%  cashback up to S$50 or S$100/quarter (depending on minimum spend) on general spending but only an additional 5% cashback on spending with the above mentioned partners.

One of the best features of UOB One Card is that cardholders can ‘double’ their rebates through the UOB$ Programme, which also earns UOB$ credits with select merchants. These UOB$ credits automatically offset future purchases with the same merchant. With the UOB One Card, consumers can make the most of their daily spend, while only paying a S$196.20 annual fee. Overall, this card is the best flat rebate option on the market for average spenders.

 

Citi Cash Back Card: Global Rebates on Food & Petrol

Citi Cash Back Card

Great cash back card for average spenders looking to benefit from everyday purchases.


Citi Cash Back Card


Pros

  • Great dining and groceries rewards
  • High petrol discounts

Cons

  • Lacks shopping and entertainment rewards
  • Not suitable for lower budgets
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.20 (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 worldwide
  • 0.25% cashback on all other purchases
  • Min. monthly spend of S$800 required to earn bonus cashback
  • Cashback capped at S$80/month

Analyst Review

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Citibank Cash Back Card is a great card for average consumers who spend most of their budget on food and transport. Dining, groceries, and petrol (any station) earn 8% cashback, up to S$80/month, which is one of the highest offers for these spending categories.

One drawback is that consumers must spend S$800/month to unlock these rates and general spend earns just 0.25% cashback. There is a S$196.20 fee, which is only waived for the first year. These features may make Citi Cash Back Card slightly less accessible for some consumers. Overall, however, this card stands out for rewarding top spend categories with market–leading cashback rates, with the potential to earn up to S$960/year in cashback.

 

POSB Everyday Card: Top Promotional Rebates + Transport Perks

POSB Everyday Card

Easy cashback for everyday spenders in Singapore & Malaysia.


POSB Everyday Card


Pros

  • Benefits highly diversified spend with large food budgets
  • Great fit for commuters seeking a convenient, an all-in-one card

Cons

  • Not suitable for consistent spend of S$2k+/mo
  • Lacks travel rewards
  • Has an annual fee
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.20 (first year – waived)
  • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ )
  • 5% cash rebates on groceries
  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & Taobao)
  • 3% cash rebates on dining spend and phone bills
  • Up to 3% cash rebates on utility bills
  • 20.1% fuel savings at SPC
  • 0.3% cash rebate on all other spend
  • DBS Payment Plan: pay 0% interest, up to 24 months

Analyst Review

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If you spend on a wide variety of daily essentials and are open to occasionally shopping with select merchants, POSB Everyday Card may be a great match for you. Cardholders can typically earn up to 10% rebate in categories such as online food delivery, 5% cashback on online shopping and groceries, 3% on dining, phone bills and utilities and up to 20.1% fuel savings at SPC. Some categories may have vendor limitations, but others are more flexible.

The wide variety of categories that qualify to earn cashback make the POSB Everyday Card a great choice for those who do not concentrate most of their spending within only one or two categories. Furthermore, consumers can enjoy all-in-one convenience as POSB Everyday Card has SimplyGo/ABT capabilities, allowing for contactless fare payment on public transit rides.

The minimum spend to earn cashback is S$800 a month. Most of the cashback categories also have a monthly cap on the amount of cashback you can earn per category.

 

HSBC Advance Card: High Cashback Rate with No Exclusions

HSBC Advance Credit Card

People with high expenses will appreciate the HSBC Advance Credit Card cashback potential.


HSBC Advance Credit Card


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
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.20 (first year- waived)
  • 2.5% base cashback when you spend above SGD2,000
  • 1.5% base cashback with no minimum spend
  • 1% bonus cashback on your eligible credit card spending if you are HSBC Everyday Global Account holder and qualified for the HSBC Everyday+. T&Cs apply. SGD deposits are insured by up to S$75K by SDIC

Analyst Review

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HSBC Advance Card is one of the best flat rebate cards on the market for higher spenders with no minimum spend requirements. The base cashback is at 1.5% for monthly spend of S$2,000 and below, and 2.5% for spend above S$2,000. The cashback earned is capped at S$70 per month.

Customers can also earn an additional 1% bonus cashback when they deposit a minimum of S$2,000 per month in fresh funds to their HSBC Everyday Global Account and charge five transactions to their HSBC Advance Credit Card monthly. When these qualifying criteria are met, you can earn a total cashback of 3.5% with a monthly cap of S$300, which is S$3,600 savings per year – the highest earning potential for a capped card on the market! Ultimately, HSBC Advance Card stands out because it allows Advance customers to earn more cashback per month than with most competitors (who frequently limit rewards to S$100/month) and provides a higher flat rate than most unlimited cards.

 

Best Cashback Credit Cards with No Annual Fee

Looking to earn cashback without paying an annual fee? Check out the cards below and find the best cashback credit card with no annual fee in Singapore.

OCBC 365 Card: No-Fee Rebates on Essentials

OCBC 365 Credit Card

OCBC 365 Card offers one of the best cashback rates for essentials on the market.


OCBC 365 Credit Card


Pros

  • 5% rebate on dining, 3% on groceries, transport, utilities, pharmacies, streaming services and EV charging
  • Fee waiver with S$10,000 annual spend
  • Up to 21.04% fuel savings at Esso and 22.92% at Caltex

Cons

  • 0.3% rebate on general spend
  • High S$800 minimum spend requirement
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.20 (automatic 2 years fee waiver with min annual spend of S$10,000)
  • 5% 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), streaming subscriptions and EV charging
  • 6% rebate on petrol (up to 22.92% fuel savings at Caltex and 21.04% with Esso)
  • 0.3% cashback on all other spend

Analyst Review

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OCBC 365 Card offers a great no-fee way to earn cashback on daily purchases. Cardholders earn up to 5% rebates on dining and 3% on groceries, land transport, recurring electricity bills, telco bills streaming services and electric vehicle charging stations. There are no merchant restrictions (unlike competitors) and rewards are capped in two tiers at S$80/month with a minimum spend of S$800 per month or S$160 with a minimum spend of S$1,600 per month.

Another perk is that cardholders can enjoy a fee waiver with S$10,000 annual spend – that’s just S$833/month. This spend level also meets minimum spend requirements, ensuring top rewards rates. Overall, OCBC 365 Card is definitely one of the best everyday options with a fee-waiver.

Best Unlimited Cashback Credit Cards

Credit cards with high or unlimited rewards caps can greatly increase affluent consumers’ rewards potential. Check out the cards below to find the best unlimited cashback credit card in Singapore.

UOB Absolute Cashback Card: Market-Leading Unlimited Rebates

UOB Absolute Cashback Card

UOB Absolute Cashback gives you 1.7% limitless cashback on all categories, no limits, no minimums and no caps.


UOB Absolute Cashback Card


Pros

  • Unlimited cashback
  • No min, caps or exclusions
  • American Express Card privileges

Cons

  • Low cashback rate for smaller budgets
  • Annual fee
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.60 (first year – waived)
  • 1.7% unlimited cashback
  • No min spend and no spend exclusions
  • Earn cashback on insurance payments, school fees, wallet top-ups
  • Cashback also available on healthcare, utilities and telco bills and rental payments

Analyst Review

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UOB Absolute Cashback Card offers 1.7% limitless cashback, one of the highest for unlimited cashback cards, with no minimum spend and no exclusions.

While a cashback rate of 1.7% isn’t as high as other cashback cards on the market, higher rates often come with monthly caps. What makes this card unique is that you can actually earn cashback on all spend, even on categories often excluded by other cards, such as: insurance payments, school feels, medical bills and rental payments. Wallet top-ups, utilities and telco bills spend will also earn cashback.

Citi Cash Back+ Card: Unlimited Cashback on All Spend

Citi Cash Back+ Card

Citi Cash Back+ Card offers one of the 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.


Citi Cash Back+ Card


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

Cons

  • Average or lower spenders looking to maximise rewards
  • Those with specialised spend (i.e. dining, shopping)
  • Consumer looking to avoid an annual fee
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.20 (first year – waived)
  • 1.6% cashback on all local and overseas spend
  • No minimum spend
  • No cap on cashback
  • Redeem cashback instantly through the Citibank app

Analyst Review

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Individuals spending about S$7,000+/month can truly maximise their earnings with Citibank Cash Back+ Card. Cardholders earn an unlimited 1.6% cashback on all spend, regardless of spending category which is higher than the 1.5% offered by most competitors. In most cases, consumers with very large budgets end up feeling restricted by typical capped rewards cards. With Citi Cash Back+, however, affluent cardholders can continue to earn on all of their spend, up to their full rewards potential.

 

Standard Chartered Simply Cash Card: Unlimited Rebates with High Fuel Savings

Standard Chartered Simply Cash Credit Card

Standard Chartered Unlimited Cashback Card offers just that, unlimited 1.5% cashback on all purchases with no minimum spend.


Standard Chartered Simply Cash Credit Card


Pros

  • Unlimited 1.5% flat cashback
  • No minimum spend requirement
  • Up to 24.5% fuel savings with Caltex

Cons

  • No boosted rates in specific categories
  • No travel perks
More Details
Fees, Rewards & Perks
  • Annual fee waived for two years
  • Unlimited 1.5% cashback on all spend
  • Caltex petrol discounts up to 24.5%
  • 0% interest Instalment plan available with select merchants

Analyst Review

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Standard Chartered Simply Cash Credit Card not only rewards 1.5% cashback on all spend, but also offers notably high petrol savings rates. Cardholders earn up to 24.5% fuel savings with Caltex. Standard Chartered Simply Cash Credit Card also offers a 0% interest Instalment plan with select merchants such as Apple and Gain City which can be very useful when purchasing big ticket items. It’s worth pointing out that unlimited cards are best for high spenders because there’s no earnings cap. SC Unlimited Cashback Cardholders would need to spend at least S$7,000+/month for rewards to become competitive. This is simply because alternative cards that do have caps tend to have higher rewards rates.

 

CIMB Visa Infinite Card: Unlimited Cashback for Travellers

CIMB Visa Infinite

CIMB Visa Infinite Credit Card is a great fit for travellers who spend a lot overseas.


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

Cons

  • Lack cashback on essentials (ie groceries, bills)
  • Doesn't reward airline & hotel spend
  • Not a good fit for low-spenders
More Details
Fees, Rewards & Perks
  • Annual fee: free for life
  • Unlimited 2% cashback on all travel and overseas spend with a min spend of S$2,000/mo
  • Unlimited 2% cashback on online spend in foreign currencies with a min spend of S$2,000/mo
  • Unlimited 1% cashback on all other spend
  • 3 complimentary global lounge access at airports lounges around the world annually for Principal Cardmembers
  • CIMB 0% Interest i.Pay Instalment Plan

Analyst Review

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CIMB Visa Infinite Card offers higher unlimited cashback for overseas and travel spend than any other card on the market, plus a few perks that are usually associated with travel cards. With a monthly spend of S$2,000, consumers earn an unlimited 2% cashback on travel (hotels, airlines, travel agencies), overseas and online spend in foreign currencies. All other spend earns an unlimited 1% cashback with no minimum requirement. Even better, the card is free forever with no annual fees.

Extra perks include lounge access, discounted limo transfers and airport dining–rarely offered by cashback cards. If you’re a frequent traveller with high overseas spend and prefer cashback to miles, CIMB Visa Infinite Card is the best option for you. However, to qualify for the CIMB Visa Infinite card, you will need to earn an annual income of S$120,000.

Best Cashback Credit Cards for Online Shopping

DBS Live Fresh: Rebates on Online & Contactless Spend

DBS Live Fresh Card

Best eco-friendly online shopping cashback card.


DBS Live Fresh Card


Pros

  • Great rewards on contactless payment methods (Visa payWave)
  • Green cashback on eco-eateries and retailers
  • Various entertainment discounts and promotions

Cons

  • Lacks travel and overseas spend rewards
  • Not suitable for low budgets
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.20 (first year – waived)
  • Up to 6% cashback on shopping and transport spend
  • 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
  • Cashback capped at S$75/month

Analyst Review

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The DBS Live Fresh Cardallows cardholders can earn up to 6% cashback on their shopping (both online and retail) as well as transport spend. There’s a S$800 minimum spend requirement to access these rates, and cashback is capped at S$50 for shopping spend and S$20 for transport spend per month. But given the rewards structure, it’s possible to earn cashback on nearly all purchases. The DBS Live Fresh Card gives cardholders the best of both worlds by allow them to earn high cashback rates on their high spend categories of shopping and transport while also enjoying uncapped cashback on their general spend. Finally, DBS Live Fresh Card is SimplyGo compatible, adding to its overall convenience.

CIMB Visa Signature: Cashback for Online & Beauty Spend

CIMB Visa Signature

With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions.


CIMB Visa Signature


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
More Details
Fees, Rewards & Perks
  • Annual fee: free for life
  • 10% cashback on groceries, online shopping, beauty, petcare & cruises
  • Unlimited 0.2% cashback on all other retail purchases
  • CIMB 0% Interest i.Pay Instalment Plan

Analyst Review

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CIMB Visa Signature Card is definitely worth considering if you’re seeking rebates on both groceries as well as select discretionary spend, all without an annual fee. Spend on groceries, online shopping, beauty, petcare and cruise lines all earn 10% cashback, up to S$20/month per category, with total cashback capped at S$100/month. In fact, this card is especially great for consumers with pets, as most credit cards reward this category at base rates as low as 0.3% cashback.

In order to access these rates, cardholders must reach a S$800 minimum spend, which is in-line with market standards. And, while the categories are quite unique, CIMB Visa Signature Card is still worth considering–even if you spend on them irregularly–as there’s no annual fee.

Best Cashback Cards for Leisure & Entertainment

With these cashback credit cards, you may be able to earn rebates on your social or hobby-related spending in Singapore

UOB EVOL Card: Rebates on Contactless and Online Spend

UOB EVOL Card

Everyday cashback on online and contactless spend


UOB EVOL Card


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
More Details
Fees, Rewards & Perks
  • Annual fee: S$196.20 (first year- waived)
  • 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

Analyst Review

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UOB EVOL Card offers an excellent way to earn cashback on a wide variety of spend. Cardholders who reach the S$600 minimum spend requirement earn 8% cashback on two broad categories: any purchases made online and any purchases made with contactless pay apps such as Apple Pay and Google Pay.

This versatility makes UOB EVOL Card a great choice for just about any type of spend, including entertainment expenses. Cardholders are able to earn up to S$60 in monthly rebates, split across the three categories of online, contactless and general spend. An annual fee of S$196.20 is waived in the first year, and can be avoided later on by making at least 3 transactions with your UOB EVOL Card every month for 12 months.

CIMB World MasterCard: Top Cashback Big Leisure Budgets

CIMB World Mastercard

CIMB Word MasterCard is one of the highest unlimited cashback cards on the market.


CIMB World Mastercard


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
More Details
Fees, Rewards & Perks
  • Annual fee: free for life
  • Unlimited 2% cashback on wine & dine, food delivery, entertainment, taxi & automobile, and luxury goods with min. spend of $1,000 monthly
  • Unlimited 1% cashback on all other spend
  • 50% off green fees at 42 golf courses across the region
  • Free access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan

Analyst Review

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CIMB World MasterCard is the best cashback card for social high spenders on the market, and never charges an annual fee. Cardholders earn 1% unlimited cashback on all spend, which is slightly lower than similar cards. However, CIMB World Card offers a boosted 2% rate for spend on leisure, including wine & dine (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods with a minimum monthly spending of S$1,000.

In addition to allowing consumers to earn up to their full rewards potential, CIMB World also provides perks like free lounge access and up to 50% off green fees at 42 golf courses across the region. This makes the card a great option for those who frequently spend on luxury hobbies and entertainment as these categories rarely, if ever, earn you upsized cashback with other comparable cards on the market.

Frequently Asked Questions (FAQ)

What is a cashback credit card?

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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.

How does a cashback credit card work?

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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.

Is a cashback credit card worth it?

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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.

What is the difference between cashback, points rewards and miles?

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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 an administrative fee.

Miles rewards are the least flexible, but can be more valuable to frequent travellers than points or cashback. Occassionaly, 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.

How to compare rewards rates of cashback, points rewards and miles cards?

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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.

Who benefits most from cashback?

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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.

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