Best Shopping Credit Cards 2024

Find the best shopping credit cards for both online and offline payments. Earn airmiles, cashback, cash rebate when you shop with it. Read More
We found 47 Credit Cards for you!
Sponsored
Citibank logo
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

[MoneySmart Giveaway]
Stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart!
 
Unlock Exclusive Rewards
You can also earn 5,040 SmartPoints or S$300 cash when you apply and meet the minimum spend within 30 days from card approval date. T&Cs apply.
 
Why Choose SmartPoints?
Enjoy the ultimate flexibility to redeem ANY gift at our Rewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!

Valid until 31 Mar 2024 - See more details below
Apply Now
UOB logo
MoneySmart Exclusive
UP TO S$15,000 WORTH OF REWARDS!
Cash Back at Shopee Singapore
Up to 10%
Cashback Cap per quarter
S$500
Min. Spend per month
S$500

[UP TO S$15,000 WORTH OF REWARDS!]
 
Get up to 15% Cashback and S$350 Cash Credit from UOB when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.
 
PLUS 2 other exclusive offers if you sign-up through MoneySmart. T&Cs apply.
 

  • Get an extra S$50 Cash Bonus on top of UOB’s online promotion offer, when you are one of the first 300 customers to submit the MoneySmart claim form
  • Stand a chance to also win a Rolex Explorer 124270 or a Apple 14-inch MacBook Pro 512GB or a Sony PlayStation®5 (SLIM) Digital Edition when you participate in the MoneySmart x UOB March Giveaway.
Valid until 31 Mar 2024 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
1.5% UNLIMITED CASHBACK
Cash Back on Eligible spend
Up to 1.5%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

Unlock Exclusive Rewards
Earn up to 5,000 SmartPoints or up to S$400* when you apply and meet the relevant spend criteria. T&Cs apply.
 
Why Choose SmartPoints? 
Enjoy the ultimate flexibility to redeem ANY gift at our Rewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!

Valid until 31 Mar 2024 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Earn up to 3.5% Cashback | Instant Activation*
Base Cashback
1.5%
Cashback when you spend more than S$2,000
2.5%
Bonus Cashback
3.5%

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or a Lenovo Tab M10 Gen 3 (worth S$299.01) when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month. T&Cs apply.

Valid until 21 Mar 2024 - See more details below
Apply Now
American Express logo
MoneySmart Exclusive
Unlimited Cashback
Welcome Bonus (on all eligible purchases, up to S$5,000 spend in the first 6 months)
3.0% Cashback
on all eligible purchases
1.5% Cashback
Cash Back Cap
Unlimited

[FLASH DEAL]
Get an upsized S$200 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spends within the first month of card approval! T&Cs apply.

Valid until 19 Mar 2024 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Cash Back on Dining, Groceries & Petrol
Up to 8%
Total Cash Back Cap, per month
S$80
Min. Spend to unlock the 8% Cashback
S$800

[MoneySmart Giveaway]
Stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart!
 
Unlock Exclusive Rewards
You can also earn 5,040 SmartPoints or S$300 cash when you apply and meet the minimum spend within 30 days from card approval date. T&Cs apply.
 
Why Choose SmartPoints?
Enjoy the ultimate flexibility to redeem ANY gift at our Rewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!

Valid until 31 Mar 2024 - See more details below
Apply Now
American Express logo
Online Promo
for every full S$1.60 spend at participating Platinum 10Xcelerator Partners
10 Membership Rewards Points
for every full S$1.60 spend on All Other Spend
2 Membership Rewards Points
Purchase Protection*
90 days
Online Promo:
New to American Express cardholders can get S$400 eCapitaVouchers from AMEX when you pay the card's annual fee and spend a min. of S$1,000 within first month of card approval.

Existing cardholders can get S$200 eCapitaVouchers from AMEX when you pay the card's annual fee and spend a min. of S$1,000 within first month of card approval.

Additionally, earn 1,250 Membership Rewards® points based on the S$1,000 spent above. T&Cs apply.
Valid until 31 Mar 2024 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
on Online & Shopping Purchases
S$1= 10X Points
for all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles

[MoneySmart Giveaway]
Stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart!
 
Unlock Exclusive Rewards
You can also earn 5,100 SmartPoints or S$300 cash when you apply and meet the minimum spend within 30 days from card approval date. T&Cs apply.
 
Why Choose SmartPoints?
Enjoy the ultimate flexibility to redeem ANY gift at our Rewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!

Valid until 31 Mar 2024 - See more details below
Apply Now
OCBC logo
High Spend on Dining
Cashback on Everyday Dining
5%
with min. spend of $1,600 per month
Unlock up to $160 Cashback
with min. spend of $800 per month
$80 Cashback per month
Read More
OCBC logo
Earn up to 1.8% unlimited cashback
Cashback
Up to 1.8%
Min. Spend
S$0
Cashback Cap
Unlimited
Read More
OCBC logo
Earn Miles That Don't Expire
on Foreign Currency Spend
S$1 = 2.1 Miles
on Local Spend
S$1 = 1.3 Miles
Min. spend per month
S$0
Read More
OCBC logo
Earn up to 4 miles per S$1 spent
on Eligible Local and Overseas Spend
S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)
on All Other Spend
S$1 = 1 OCBC$
with 3,500 OCBC$
S$10 Robinsons Voucher
Read More
American Express logo
Online Promo
Ideal for frequent small business travellers
per S$1 spent on eligible Singapore Airlines and Scoot flights
Earn up to 8.5 HighFlyer Points
per S$1 spent on all eligible purchases (worth 1.8 KrisFlyer miles)
Earn 1.8 HighFlyer Points
worth S$418 offering a free night's stay every year
Complimentary Accor Plus Membership
Online Promo:
Welcome Offer 1: Get up to 68,000 HighFlyer points (worth S$647) from AMEX when you apply, pay the card's annual fee and spend a min. of $6,000 within first 3 months of card approval.

OR

Welcome Offer 2:
Receive a Samsonite Choca Spinner 68/25 Luggage (worth S$700) AND 10,800 HighFlyer points (worth S$102) from Amex when you apply and spend S$6,000 in the first 3 months of card approval. T&Cs apply.
Valid until 29 May 2024 - See more details below
Apply Now
POSB logo
Online Promo
Earn Cash Rebates that Never Expire
Cash Rebates at POPULAR
Up to 8%
Cash Rebates on Online Shopping
Up to 5%
Cash Rebate at Pet Lovers Centre
Up to 3%
Online Promo:
Get S$388 Cashback when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 May 2024 - See more details below
Apply Now
DBS logo
on Online Purchases
S$5 = 10 DBS Points (equivalent to 4 Miles per S$1)
on Overseas Purchases
S$5 = 3 DBS Points (equivalent to 1.2 Miles per S$1)
on All Other Purchases
S$5 = 1 DBS Point (equivalent to 0.4 Miles per S$1)
Apply Now
DBS logo
Online Promo
Frequent Shoppers at Takashimaya
for every S$10 spend at Takashimaya
2 Taka Bonus Points
CashCard top-up when you spend $400 at Taka
S$4
Additional Discount during Sale Events at Takashimaya
10%
Online Promo:
Get S$150 cashback when you successfully apply and make a min. spend of S$250 within Takashimaya, within first month from card approval date. T&Cs apply.
Valid until 30 Apr 2024 - See more details below
Apply Now
DBS logo
Online Shopping
On Online Purchases
S$5 = 5 DBS Points (2 Miles per S$1)
On All Other Purchases
S$5= 1 DBS Point (0.4 Miles per S$1)
e-Commerce Protection for Online Purchases
Complimentary
Apply Now
DBS logo
Online Promo
Shopping and Transportation
on Shopping & Transport Spend
Up to 6% cashback
Min Spend
S$800
Cashback Cap
Up to S$70
Online Promo:
Get S$388 cashback when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 May 2024 - See more details below
Apply Now
DBS logo
Online Promo
Miles or Cashback – you decide
Local Spend
S$1 = 1.5 miles or 1.5% cashback
Overseas Spend
S$1 = 2.2 miles or 2.2% cashback
Min. Spend per month
S$0
Online Promo:
Get up to 85,000 miles (for New Cardmembers) or up to 40,000 Miles (Existing Cardmembers) when you sign up and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 31 May 2024 - See more details below
Apply Now
ICBC logo
Cash Back on All Spend
1.6%
Spend per month
S$0
Cash Back Cap
Unlimited
Read More

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Online Shopping Credit Cards in Singapore

Online shopping credit card Earn rateReward categories
Citibank Rewards Card S$1 = 4 miles Online shopping (excl. travel)
DBS Woman’s World Card S$1 = 4 miles All online spending

Citibank Lazada Card

An obvious choice for loyal Lazada shoppers, the Citi Lazada credit card gives its users free LiveUp membership, shipping rebates, plus a whopping 12X rewards points (4.8 miles per S$1) on Lazada purchases until Feb 2020 (10X thereafter). But it excludes RedMart purchases and most other online shopping.

Citibank Rewards Card

For online shoppers who don’t want to be tied down to a specific site, the Citibank Rewards Card is a better choice. It offers 10X rewards (4 miles per S$1 spent) on all online shopping, including Grab and food delivery apps but excluding travel bookings. Bonus points capped at S$1,000 of online spending a month.

DBS Woman’s World Card

Higher earners and spenders may wish to consider the DBS Woman’s World Card, which has an S$80,000 annual income requirement (and is open to men too). It also offers 10X rewards (or 20 miles per S$5 spent) on a huge range of online shopping and purchases, including travel, capped at S$2,000 a month.

Miles, rewards or cashback: Which is best for online shoppers?

Not sure which type of credit card you should choose for online shopping? It all depends on how you like to be rewarded, and your spending habits. Generally, cashback credit cards are best for regular, consistent spending, such as groceries, petrol, bills and so on. This is because they either have a minimum spending requirement or a cashback cap, or both. Rewards cards, on the other hand, are more flexible. There is no minimum spending requirement, and you can exchange the rewards points for miles or vouchers once you have accumulated enough. However, most rewards cards have a monthly expenditure cap of S$1,000, so they are not suitable for big spenders. Air miles cards tend to have less attractive earn rates than rewards cards for online shopping. However, if most of your online spending is on travel bookings, consider miles cards that offer promotional earn rates with partner sites like Agoda, Expedia, etc.

What about credit card online shopping promotions?

Apart from these credit cards’ rebates or rewards structure, you may also want to check if the issuing bank has any good promotional tie-ups with your favourite shopping websites. For example, each bank has exclusive long-term promotions with Lazada, Shopee and other online marketplaces. Those who shop frequently on such platforms may like to check what sort of discount or promo code that credit card can offer. Most of these promo codes or vouchers can be combined with your credit card rebates or points, which can double the online shopping discount you finally get.