Compare the Best Cashback Credit Cards in Singapore 2026
Compare all cashback credit cards to see which one gives you the highest cash back based on your spending habits.
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What makes a cashback credit card right for you?
Choosing the best cashback credit card isn't about grabbing the flashiest deal, it's about matching a card to your spending patterns. Whether you're an online shopper, a parent managing grocery bills, or a daily commuter, the right card can deliver meaningful returns on purchases you're already making.
Cashback vs Rewards: Cashback cards return a percentage of your eligible card spending directly to your statement. Rewards cards accumulate points or miles for flights, gifts, or vouchers. If you prefer straightforward savings over tracking redemption options, cashback is your better bet.
What to Look For: Singapore's cashback cards range from unlimited flat-rate options (1.5%–1.7% on all eligible spends) to high-yield category cards (up to 10% on groceries, fuel, or dining). Key considerations include:
- Minimum spend requirements: Some cards need $500–$800 monthly to unlock maximum bonus cashback.
- Cashback caps: Higher-rate earn cards often cap monthly cashback earnings per category up to a certain eligible spend.
- MCC exclusions: Not all transactions qualify for bonus (or sometimes, even base) cashback. Merchant category codes (MCCs) charged under insurance premium payments, utilities, and certain wallet top-ups typically don't earn cashback.
- Annual fees: Most credit cards waive fees for the first year; subsequent waivers may require meeting spend thresholds.
Latest MoneySmart Cash Back Credit Card Promotions (2026)
| Credit Card | Card highlights | Promotion | Valid until |
|---|---|---|---|
| Citi Cash Back+ Card |
| Receive S$420 Cash Reward or 6,140 SmartPoints after spending S$500 within 30 days of card approval with your new Citibank Credit Card. Rewards are issued within about 5 weeks. Plus, get S$11 Cash Bonus if you are the first 11 customers! | 11 Nov 2026 till 17 Nov 2026 |
| OCBC 365 Credit Card |
| $200 cash or 3,000 SmartPoints when you apply and spend a minimum of S$400 within 30 days. Equivalent value to redeem an Apple AirPods 5(worth S$219). | 11 Nov 2026 till 17 Nov 2026 |
| Trust Freedom Credit Card |
| Enjoy 11.11 Flash Deal with S$11 Cash Bonus if you are the fastest fingers! New-card applicants can receive one of two guaranteed gifts: a stock grant valued up to USD 8,000 when Stockback is chosen as the reward, or a cashback gift worth up to S$8,000 when Cashback is selected. | 11 Nov 2026 till 17 Nov 2026 |
| DCS Ultimate Platinum MasterCard |
| New-to-DCS cardholders qualify for a S$50 GrabGifts Voucher or S$50 Shopee Voucher or TP-Link M7000 worth S$59 after spending S$800 within the first 30 days from approval to unlock this welcome gift. Plus get a 24" Caterpillar Industrial Plate Trunk Luggage (worth S$380) from DCS. | 5 Nov 2026 till 30 Nov 2026 |
| OCBC INFINITY Cashback Card |
| $200 cash or 3,000 SmartPoints when you apply and spend a minimum of S$400 within 30 days. Equivalent value to redeem an Apple AirPods 5(worth S$219). | 11 Nov 2026 till 17 Nov 2026 |
| DCS Flex Visa Platinum Card |
| New-to-DCS cardholders qualify for a S$50 GrabGifts Voucher or S$50 Shopee Voucher or TP-Link M7000 worth S$59 after spending S$800 within the first 30 days from approval to unlock this welcome gift. Plus choose between 10,000 miles or a 24" Caterpillar Industrial Plate Trunk Luggage (worth S$380) from DCS. | 5 Nov 2026 till 30 Nov 2026 |
| OCBC 90°N Card |
| $200 cash or 3,000 SmartPoints when you apply and spend a minimum of S$400 within 30 days. Equivalent value to redeem an Apple AirPods 5(worth S$219). | 11 Nov 2026 till 17 Nov 2026 |
| DCS Ultimate Platinum UnionPay |
| New-to-DCS cardholders qualify for a S$50 GrabGifts Voucher or S$50 Shopee Voucher or TP-Link M7000 worth S$59 after spending S$800 within the first 30 days from approval to unlock this welcome gift. Plus get a 24" Caterpillar Industrial Plate Trunk Luggage (worth S$380) from DCS. | 5 Nov 2026 till 30 Nov 2026 |
| Citi Cash Back Card |
| Receive up to S$420 Cash Reward or S$500 Amazon.sg Gift Card or 6,140 SmartPoints (worth up to S$649 in gifts) after spending S$500 within 30 days of card approval with your new Citibank Credit Card. Rewards are issued within about 5 weeks. | 11 Nov 2026 till 17 Nov 2026 |
| OCBC 90°N Visa Card |
| $200 cash or 3,000 SmartPoints when you apply and spend a minimum of S$400 within 30 days. Equivalent value to redeem an Apple AirPods 5(worth S$219). | 11 Nov 2026 till 17 Nov 2026 |
| Airwallex Corporate Debit Card |
| New-to-Airwallex customers who complete KYC verification and spend US$1,000 or equivalent within 90 days of account approval are eligible to receive $260 Cash via PayNow or 3,900 SmartPoints (redeemable for an Apple AirPods Pro 3 worth S$349). | 11 Nov 2026 till 30 Nov 2026 |
| WorldFirst Corporate Card |
| Join WorldFirst as a new customer, complete your KYC, and fund your account with at least S$10,000 within 30 days of approval to receive S$420 Cash or 6,000 SmartPoints. Alternatively, fund your WorldFirst account with at least S$400 within 30 days of approval to receive S$150 Cash or 2,300 SmartPoints. | 3 Nov 2026 till 30 Nov 2026 |
| NTUC Link Credit Card by Trust |
| Enjoy 11.11 Flash Deal with S$11 Cash Bonus if you are the fastest fingers! New-card customers can receive a guaranteed cashback bonus of up to S$8,000 when Cashback is selected as the rewards option. | 11 Nov 2026 till 17 Nov 2026 |
| Citi M1 Credit Card |
| Receive up to S$420 Cash Reward or S$500 Amazon.sg Gift Card or 6,140 SmartPoints (worth up to S$649 in gifts) after spending S$500 within 30 days of card approval with your new Citibank Credit Card. Rewards are issued within about 5 weeks. | 11 Nov 2026 till 17 Nov 2026 |
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Best Cashback Credit Cards in Singapore
What makes a cashback credit card right for you?
Choosing the best cashback credit card isn't about grabbing the flashiest deal, it's about matching a card to your spending patterns. Whether you're an online shopper, a parent managing grocery bills, or a daily commuter, the right card can deliver meaningful returns on purchases you're already making.
Cashback vs Rewards: Cashback cards return a percentage of your eligible card spending directly to your statement. Rewards cards accumulate points or miles for flights, gifts, or vouchers. If you prefer straightforward savings over tracking redemption options, cashback is your better bet.
What to Look For: Singapore's cashback cards range from unlimited flat-rate options (1.5%–1.7% on all eligible spends) to high-yield category cards (up to 10% on groceries, fuel, or dining). Key considerations include:
- Minimum spend requirements: Some cards need $500–$800 monthly to unlock maximum bonus cashback.
- Cashback caps: Higher-rate earn cards often cap monthly cashback earnings per category up to a certain eligible spend.
- MCC exclusions: Not all transactions qualify for bonus (or sometimes, even base) cashback. Merchant category codes (MCCs) charged under insurance premium payments, utilities, and certain wallet top-ups typically don't earn cashback.
- Annual fees: Most credit card waive fees for the first year; subsequent waivers may require meeting spend thresholds.
Compare the Best Cashback Credit Cards in Singapore
Narrowing down the top cashback cards means looking at more than just the highest rate. To make comparison easy, we've split this into two concise tables: an overview of card features and a roundup of the latest sign-up promos and perks. Each table features MoneySmart's top picks for unlimited cashback, no-minimum-spend, the best for fuel, the best overall, and (for context) a leading rewards card—so you can quickly spot key differences.
Cashback Credit Card Features (2026)
Credit card | Best for | Annual fee & waiver | Cashback earn rate | Income eligibility (Citizens/PRs / Foreigners) |
Highest unlimited cashback | $196.20 (1st year waiver) | Unlimited 1.7% cashback on all eligible spend No minimum spend, no cashback cap | $30,000 / $40,000 | |
Fuss-free flat cashback | $196.20 (1st year waiver) | Unlimited 1.6% cashback on all eligible spend No minimum spend, no cashback cap | $30,000 / $42,000 | |
Simplicity, online and PayNow promos | $196.20 (1st year waiver) | Unlimited 1.5% cashback on all eligible spend No minimum spend, no cashback cap | $30,000 / $90,000* | |
Best for no minimum spend | $174.40 (1st year waiver) | Up to 3% cashback on eligible purchases in first 6 months of card account opening (up to $5,000 spend) Thereafter, unlimited 1.5% cashback, no minimum spend, no cashback cap | Regulatory criteria† | |
Online and overseas spend | $196.20 (1st year waiver) | Unlimited 1.6% cashback on all eligible spend No minimum spend, no cashback cap | $30,000 / $45,000 | |
Everyday living & treating yourself | No annual fee for life | Up to 2% unlimited cashback on eligible dining, online food delivery, digital entertainment, and more with min. $1,000 spend per month | $30,000 (including Malaysians) | |
Fuel, bills, steady household spend | $196.20 (1st year waiver) | Up to 10% cashback on eligible everyday spend (groceries, transport, dining, etc.) Min. $600, $1,000, or $2,000 eligible spend required; quarterly cashback cap applies per tier | $30,000 / $40,000 | |
Groceries, dining, transport | $196.20 (2 years waiver) | Up to 6% cashback on eligible dining, 5% on fuel Min. $1,600 eligible spend per month, capped at $160 monthly cashback | $30,000 / $45,000 | |
Chronically online, digital native | No annual fee (with min. 3 eligible transactions for 12 consecutive months) | Up to 10% cashback on eligible local online, mobile contactless, telco, gym, and streaming spend Min. $800 eligible spend per month, capped at $120 monthly cashback (until 31 Jan 2026) | $30,000 / $40,000 | |
Everyday shopper | $196.20 (1st year waiver) | Up to 10% cash rebates on eligible online food delivery, dining, public transport via SimplyGo, in-store Malaysian Ringgit spend | $30,000 / $45,000 |
Key takeaways:
- Unlimited cards are best if you dislike caps or tracking spend—think UOB Absolute Cashback, Citi Cash Back+ or Amex True Cashback.
- Capped cards (UOB One, Maybank Family & Friends, OCBC 365) deliver higher bonus cashback on select categories like fuel, groceries, or family essentials. Just watch out for minimum spend and category caps.
- Leading rewards cards (like Citi Rewards Card) can sometimes outpace cashback on big-ticket shopping or certain online spends due to promo caps and conversion rates.
How to maximise promo value?
- Fuel seekers: Consider UOB One, OCBC 365, or POSB Everyday for high petrol rebates and station discounts.
- Online spend: Citi Rewards Card and Citi Cash Back+ deliver with online shopping, food delivery, and e-wallet perks.
- Big purchases: UOB Absolute Cashback and Amex True Cashback shine for uncapped rewards and simple terms.
- First-time applicants: Most promos are exclusive to first-timers (new-to-bank). Check your eligibility before applying.
How Cashback Works: Capped vs Unlimited, Earn Rates, Calculation & Redemption Essentials
Understanding cashback mechanics is key to making your card work harder for you. Here's a practical guide to how capped and unlimited cashback cards operate in Singapore, how rates and minimum spends come into play, and what exclusions and processes you need to know.
Capped vs unlimited cashback: What they mean
Unlimited cashback cards
These cards earn you a flat cashback rate on all eligible spending, with no upper limit on how much cashback can be earned each month. For example, the UOB Absolute Cashback Card offers 1.7% cashback on almost every dollar you spend, regardless of whether you spend $100 or $10,000 in a month (as long as it's not on excluded transactions).
Capped cashback cards
Capped cards often promise high cashback rates, but only up to a fixed dollar cap per month or per spend category. For instance, the OCBC 365 Credit Card awards up to 6% cashback on eligible dining and 5% on eligible fuel, but only if the minimum monthly $800 spend is met. Once you exceed the spend cap for a given category, these bonus cashback earn rates will drop sharply back to the base cashback earn rate (e.g. 0.3–0.5% per month). Hence, these cards are more suited to users who plan spending strategically to maximise returns.
Earn rates, minimum spend, and exclusions explained
- Earn rates: The percentage of your spending you get back as cashback. Unlimited cards usually offer lower rates (1.5%–1.7%) but apply sitewide. Capped cards offer higher rates (up to 10%) on priority categories but have monthly or category limits.
- Minimum spend: Many capped cards require you to hit a minimum total spend per month to unlock the top cashback rate. Failing to meet this often means less or no cashback for that month. In some cases, cashback cards might even have multiple minimum spend tiers to unlock various incremental cashback tiers. For example, the OCBC 365 Card has both a minimum $800 and $1,600 monthly spend, capped at $80 and $160 cashback respectively.
- Exclusions: Not every transaction counts. Common exclusions across most cards include bill payments, insurance premiums, government transactions, and payments to educational institutions or hospitals. Always check each bank's updated list if you're optimising your cashback.
Scenario: How cashback is calculated
Criteria | Unlimited cashback card | Capped, category-based card |
Credit card | Citi Cash Back+ Card | UOB One Card |
Monthly spend | $2,000 eligible spend across groceries, online retail, and utilities | $800 eligible spend split across $300 on petrol, $250 on utilities, and $250 on groceries |
Bonus cashback earn rate | 1.6% unlimited cashback on all eligible spend; no minimum spend or cashback cap | Up to 10% cashback on eligible daily spend at McDonald’s, Grab, SimplyGo, and Shopee Up to 8% cashback on all eligible grocery spend |
Calculations (Total cashback earned) | $2,000 x 1.6% = $32 cashback per month | Petrol (SPC/Caltex): $300 x 10% = $30 Utilities & groceries: $500 x 5% = $25 Total cashback = $30 + $25 = $55 cashback per month |
Claiming and redeeming cashback: What to expect
Statement credit | Near-instant redemption | App-based redemption |
Most cashback credit cards earn cashback directly to your monthly statement bill, automatically deducting it from your next payment due. | Some cards, like American Express True Cashback, show cashback almost instantly after eligible transactions. | A few cards enable you to view and redeem cashback through banking apps, giving you real-time access to what you've earned. For instance, with Citi credit cards, you can redeem your cashback directly through the Citi Mobile® App to offset your next month’s bill seamlessly. |
Common cashback pitfalls to look out for
If your cashback isn’t reflected, start by checking whether:
- You met the required minimum spend or category-specific spend thresholds.
- Your transactions fall under excluded categories (e.g. insurance premiums, utilities, wallet top-ups)
- You’ve allowed enough time for the bank’s cashback crediting cycle, which may only post at the end of each statement period.
- You’ve registered for time-limited or online-exclusive promotions.
- Exceeding category or cashback caps will reduce your bonus cashback earn rate back to the base rate.
If you've met all requirements and your cashback still hasn't appeared, contact your bank. Have your transaction records, minimum spend totals, and promo codes handy. Always check the T&Cs, as banks won't investigate missed cashback for non-eligible or excluded transactions.
Cashback vs rewards cards: Conversion and value
While cashback gives you direct cash offsets, rewards credit cards accumulate points or miles. Keep in mind that rewards points can usually be redeemed for cashback, but not vice versa. In general, rewards credit cards often hold more value for high spenders targeting large purchases (like flights or electronics), while cashback guarantees immediate monetary benefit with less hassle or tracking.
Practical Strategies to Maximise Cashback
Want to squeeze the most value out of your cashback credit cards? Here's a smart, step-by-step approach—outlining how to optimise combinations, track promos, dodge common traps, and ensure you aren't leaving money on the table.
1. Pair cards strategically to cover all spends
Mix unlimited + category-specific credit cards | Shop online or overseas? | Fuel up smartly |
Use an unlimited cashback card like the UOB Absolute Cashback Card (1.7% on most spends, no cap or category fuss) or Citi Cash Back+ Card (1.6%, uncapped) to cover all general purchases and big-ticket expenses. | OCBC INFINITY Cashback Card delivers flat 1.6% on online and overseas spends with no minimum, while OCBC 365 Credit Card gives higher rates (up to 6% on petrol, 5% dining) if you meet category minimums. | For regular drivers, cards like UOB One or OCBC 365 offer top rates at Shell, SPC, Caltex, and Esso. |
2. Master promo and annual fee waiver timing
Track promo windows | Annual fee waivers |
Stand to earn attractive welcome bonuses from our MoneySmart Exclusive Promos (e.g., AirPods, cash, SmartPoints) as long as you meet qualifying spending thresholds within the specified 30- to 60-day periods. Set digital reminders so you don't miss deadlines. See the current promo mechanics on each card's MoneySmart profile to maximise eligibility. | Most cards waive fees for the first year, but for subsequent years, trigger waivers by reaching stipulated yearly spend (e.g., $10,000 on OCBC 365). Mark renewal dates to renegotiate or cancel if you're not getting value. |
3. Avoid exclusions and missed claims
Always read your card’s category fine print | Track category caps | Follow claim steps carefully |
Each card comes with a different set of exclusions. Prepaid wallet transactions, utilities, insurance, and government payments are commonly excluded MCCs. For example, OCBC INFINITY excludes transactions like GrabPay or EZ-Link. | High-rate cards usually cap monthly cashback per category. For example, the UOB EVOL Card caps $20 on select gym, telco, and streaming, but $30 on local online & mobile contactless and $30 on all other spend too. Overspending in one area after the cap means earning only at the base rate. | For sign-up promos, please submit your valid claim form by the set deadline and read all the necessary T&Cs to ensure you qualify for your gift or reward fully. Forget this, and your bonus might vanish. |
4. Optimise for instant and online bonuses
Tap on app redemptions | Time your big-ticket purchases |
Cards like Citi Cash Back+ and OCBC INFINITY let you view, track, and sometimes redeem cashback directly from their apps—keeping you instantly updated on what you're earning. | Use new cards' first-spend bonuses for large one-off purchases like furniture, travel, or electronics, so you clear the threshold instantly and get the max sign-up reward or higher rate tier. |
User Reviews: Feature Wins & Pain Points by Major Cashback Cards
It's easy to be dazzled by cashback percentages, but what about the day-to-day experience with Singapore's most popular cashback credit cards? Here's a report card on how each major card measures up for rewards fulfilment, satisfaction, hassle-free online sign-ups, claiming promos, and even those tricky support moments.
Card | What users like | Common gripes |
UOB Absolute Cashback Card ⭐⭐⭐⭐⭐ | 1.7% unlimited cashback, no exclusions for most categories, no minimum spend—ideal for big purchases (electronics, furniture, insurance) | NETS transactions and utility bills earn only 0.3%; buyers expecting blanket coverage can be caught out |
Citi Cash Back+ Card ⭐⭐⭐⭐½ | All-around fuss-free 1.6% unlimited cashback; no categories to track, no minimums, cashback never expires | No boosted rate for specific categories—users may need a second card for groceries/dining |
Standard Chartered Simply Cash Card ⭐⭐⭐⭐ | 1.5% unlimited, first-year fee waiver, auto-crediting to statement (no manual redemption) | Exclusions (AXS, insurance premiums); overseas transactions incur 3.5% fee; claim deadlines |
Amex True Cashback ⭐⭐⭐⭐ | Instant gratification: 3% first $5K/6 months, then 1.5% forever; no categories, no caps | Annual fee $174.40 after year 1; foreign transaction fees can accumulate |
OCBC 365 Card ⭐⭐⭐⭐ | Flexible cashback across daily categories: fuel (6%), dining (5%), groceries/bills (3%) | Capped $80/$160 per month; < $800/$1,600 spend drops rewards to 0.25%; requires spend planning |
OCBC INFINITY Card ⭐⭐⭐⭐½ | 1.6% unlimited, straightforward criteria; no minimum spend or category requirements | Excludes payment platforms (GrabPay, EZ-Link, YouTrip); not all app spending covered |
UOB One Card ⭐⭐⭐⭐½ | High tiered rates (up to 10%); extra perks for Grab, Shopee, fuel (22.66% at Shell/SPC) | Must meet spend for 3 consecutive months; tracking categories can be tedious |
POSB Everyday Card ⭐⭐⭐⭐⭐ | Sheng Siong 5% uncapped; SPC fuel 20.1% savings; no minimum spend for these merchants | Other categories drop to minimal rewards without $800 monthly spend |
FAQs About Cashback Credit Cards in Singapore
Which card is best for cashback in Singapore?
There’s no single best cashback card—choose a card that fits your spending habits. Unlimited cards like the Citi Cash Back+ Card, Standard Chartered Simply Cash, and OCBC INFINITY offer 1.5–1.6% flat cashback with no minimum, ideal for fuss-free rewards. Category cards like UOB One or HSBC Live+ give up to 10% if you hit specific spend or partner requirements each month.
What is the minimum income needed for cashback credit cards in Singapore?
Most cashback credit cards require Singaporeans and PRs to have a minimum annual income of $30,000. Some cards, such as the OCBC 365 and OCBC INFINITY Cashback Card, set a lower bar ($15,000) for applicants aged 55 and above. Foreigners generally need a higher income, from $40,000 to $90,000, depending on the card.
How does instant approval work?
Instant approval is available when you apply via SingPass Myinfo—just grant permission for the bank to pull your NRIC and income details from government databases. If all criteria are satisfied and your credit history is clear, some cards (like Citi Cash Back+ or Standard Chartered Simply Cash) may approve you within minutes. For others, expect additional checks and documentation.
Which cashback card is best for fuel rebates?
Top cashback credit cards for fuel include the UOB One Card (up to 22.66% at Shell/SPC) and OCBC 365 (up to 6% at major petrol stations). The POSB Everyday Card offers 5% unlimited savings at SPC.
What are the qualifications for unlimited cashback cards?
Unlimited cashback cards (e.g., UOB Absolute Cashback, Citi Cash Back+, OCBC INFINITY, Amex True Cashback, Standard Chartered Simply Cash) have no monthly cap on cashback earned. Key requirements include meeting age (21+) and minimum income (usually $30,000/year), plus proof of identity and salary.
What transactions typically do not earn cashback?
Common exclusions across most cards:
- Insurance premium payments
- Utility and government bill payments
- Education, healthcare, and charitable donations
- e-Wallet and NETS transactions
- Cash advances, balance transfers, and bank fees
Always refer to the card's latest T&Cs for the up-to-date exclusion list.
What’s the difference between cashback vs. rewards points?
Cashback is credited directly to your statement as an offset of your bill. Rewards credit cards accumulate points or miles for redemption on cash rebate, flights, vouchers, or gifts. However, the converse isn’t feasible: cashback cannot be converted into miles or points.
How do I claim cashback, especially sign-up bonuses or promos?
For standard cashback: Statement credit is auto-applied, typically on the next billing cycle. Some cards credit it monthly.
For promo or sign-up bonuses:
- Check if the reward is exclusive via MoneySmart or a bank promo.
- Complete the qualifying spend (usually $400–$800 in the first month).
- Submit any required claim forms (details found on MoneySmart and the bank's website).
- Rewards like cash, SmartPoints, or vouchers are typically issued 1–6 months after you meet the requirements and submit claims.
Can I get a credit card with lower income or as a foreigner?
Options are limited for locals earning $15,000–$20,000, typically with lower limits. Foreigners should look for clear criteria, such as:
- OCBC INFINITY Card: $45,000
- Citi Cash Back+ Card: $42,000
- Amex True Cashback Card: $45,000
Is cashback credited instantly or do I have to redeem it?
Most major cashback cards credit it directly to your statement each month, no need for manual redemption. Cards like Amex True Cashback and Citi Cash Back+ feature especially fast (even instantaneous) posting on your account.
How do I raise a missing cashback claim?
Gather your qualifying spend receipts or statements and check the card's exclusions and timing for cashback posting. If you meet all criteria but don't see your reward, contact the bank using their support or claims channels (often via online forms). For MoneySmart promo bonuses, submit your online claim through your MoneySmart account before the stated deadline.