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Citi Cash Back Card

$696 Savings per year
Citi Cash Back Card Must Have Card
Excellent
$696 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver First year fee waived for Principal and two (2) Supplementary cards
  • Annual Interest Rate 26%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $42,000 per year

Things to look out for

  • 0.25% base cash back rate
  • 7.75% additional cash back (minimum retail spend of $888)
  • Cashback cap of $25 per bonus category (Dining, Grab rides, Groceries, Petrol)
  • Once you accumulate S$50 or more cash back in a month, it will be automatically credited to your statement in multiples of S$10
More Details

American Express True Cashback Card

$345 Savings per year
American Express True Cashback Card Must Have Card
Excellent
$345 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $171.20 per year
  • Supplementary Annual Fee $85.60 per year
  • Fee Waiver 1 year fee waiver for Principal card, perpetual fee waiver for first 2 supplementary cards
  • Annual Interest Rate 24.99%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • 3% cashback rate (first $5,000 spent in first 6 months)
  • 1.5% unlimited cashback rate (thereafter above $5,000)
  • 1.5% unlimited cashback rate (after first 6 months)
More Details

OCBC 365 Credit Card

$525 Savings per year
OCBC 365 Credit Card
Excellent
$525 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 2 years fee waiver for both Principal and Supplementary cards, subsequent years waived for Principal card with min. spend of $10,000 p.a.
  • Annual Interest Rate 25.92%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • Base cashback rate of 0.3%
  • Minimum monthly spend of $600 to hit Bonus Cashback tiers
  • Monthly Cashback cap of $80
More Details
Standard Chartered Unlimited Cashback Credit Card
Excellent
$270 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee N/A
  • Fee Waiver 2 years fee waiver
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • If you opt to activate EZ-Reload using the Autoload Reference Number (ARN), note that each top-uo amount is $50 and a convenience fee of S$0.25 will be charged
  • 1-for-1 Dining Privileges at Oscar’s, Conrad Centennial Singapore, The Courtyard, The Fullerton Hotel Singapore, The Line, Shangri-La Hotel, Singapore and more
  • Get cash at 0%* p.a. interest for 6 months at a 1.99% processing fee (EIR from 4.12% p.a.) on the approved loan amount when you transfer funds from your Standard Chartered Credit Card. *T&Cs apply.
More Details

HSBC Advance Credit Card

$270 Savings per year
HSBC Advance Credit Card
Excellent
$270 Savings per year

Annual Fees and Rates

  • Principal Annual Fee Perpetual annual fee waiver
  • Supplementary Annual Fee N/A
  • Fee Waiver 1 year card annual fee waiver / Perpetual card annual fee waiver for HSBC Advance banking customers
  • Annual Interest Rate 25%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $40,000 per year

Things to look out for

  • An HSBC Advance banking account is required to enjoy the maximum 3.5% cash back on all spend
  • S$125 cash back cap per month for HSBC Advance banking customers
  • S$70 cash back cap for non HSBC Advance banking customers
More Details

UOB One Card

$400 Savings per year
UOB One Card
Very Good
$400 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee 1st Supplementary Card Free; $96.30 for subsequent cards
  • Fee Waiver 1 year fee waiver, perpetual fee waiver for first supplementary card
  • Annual Interest Rate 25%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $40,000 per year

Things to look out for

  • Tier 1 Cashback cap: $50/quarter, monthly spend between $500 - $999
  • Tier 2 Cashback cap: $100/quarter, monthly spend between $1,000 - $1,999
  • Tier 3 Cashback cap: $300/quarter, monthly spend $2,000 and above
  • Cashback awarded quarterly
More Details

HSBC Visa Platinum Credit Card

$372 Savings per year
HSBC Visa Platinum Credit Card
Very Good
$372 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $180 per year
  • Supplementary Annual Fee Complimentary
  • Fee Waiver 2 years fee waiver, subsequent years waived with min. spend of $12,500 p.a.
  • Annual Interest Rate 25%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $40,000 per year

Things to look out for

  • S$120 cash rebate cap - min. spend of S$800 for all 3 months per calendar quarter
  • S$60 cash rebate cap - min. spend of S$400 for all 3 months per calendar quarter
More Details

UOB Delight Card

$271 Savings per year
UOB Delight Card
Very Good
$271 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $85.60 per year
  • Supplementary Annual Fee $53.50 per year
  • Fee Waiver 1 year fee waiver, perpetual fee waiver for first supplementary card
  • Annual Interest Rate 25.9%

Eligibility

  • Singaporean Minimum Income S$30,000
  • Non-Singaporean Minimum Income S$40,000

Things to look out for

  • 8% cashback rate for Groceries (spending $800 and above)
  • 3% cashback rate for Groceries (spending $400-799)
  • 0.3% cashback rate for all categories (no minimum spending)
  • No cap to the amount of SMART$ earned for transactions made at SMART$ Merchants
  • Rebates will be issued in SMART$
More Details

POSB Everyday Card

$264 Savings per year
POSB Everyday Card
Very Good
$264 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver N/A
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income N/A
  • Non-Singaporean Minimum Income N/A

Things to look out for

  • 14% Cash Rebate on online food delivery and up to 9% Cash Rebate on dining spend promotions valid till 30 Sep 2017 (min. spend of S$600 per month)
  • Get 1% cash rebate on your recurring StarHub bills and on your in-store purchases
  • Get 1% cash rebate on your recurring utilities bills from SP services
More Details
Standard Chartered Spree Credit Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee S$192.60
  • Supplementary Annual Fee N/A
  • Fee Waiver 2 years fee waiver
  • Annual Interest Rate 25.9%

Eligibility

  • Singaporean Minimum Income S$30,000
  • Non-Singaporean Minimum Income S$60,000

Things to look out for

  • Min. $900/month on retail spends to enjoy 20% cashback on Uber rides
  • *Min price difference of $50, with reimbursement of up to $250 per Covered Item
  • **Applicable only when the promo code ‘SCB20B’ is used, valid till 31 Oct 2018
More Details
DBS Live Fresh Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $128.40 per year
  • Supplementary Annual Fee $64.20 per year
  • Fee Waiver 1 year fee waiver
  • Annual Interest Rate 25.90%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • EZ-Reload amount is set at S$40 and you will receive an SMS from EZ-Link within 10 days of receiving your DBS Live Fresh Card
  • Link your card to your Savings Account and use as an ATM Card
More Details
DBS Black Visa Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 1 year fee waiver
  • Annual Interest Rate 25.90%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • 1X DBS Point for all other transactions
  • 3X Rewards (3 DBS Points or 6 miles for every S$5 spend) for all local contactless Visa payWave transactions
More Details

Maybank Family & Friends Card

$445 Savings per year
Maybank Family & Friends Card
Satisfactory
$445 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $80 per year
  • Supplementary Annual Fee Complimentary
  • Fee Waiver Waived with min. spend of $12,000 p.a.
  • Annual Interest Rate 24%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • 0.3% cashback for all categories if expenditure is below $500 ($50 cashback cap per month)
  • 5% cashback for Shopping, Groceries and Dining if expenditure is $500 and above (0.3% cashback for all other categories)
  • $50 total cashback cap per month
More Details

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