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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 28%

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 spending of $888)
  • Cashback cap of $25 per bonus category (Petrol, Dining, Groceries)
  • 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 or waived for employees of PwC
  • 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

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: $50, monthly spend between $500 - $999
  • Tier 2 Cashback: $100, monthly spend between $1,000 - $1,999
  • Tier 3 Cashback: $300, monthly spend $2,000 and above
  • Cashback awarded quarterly
  • * Maximum effective interest rate (EIR) on the One Account is 2.43% p.a. for deposits of S$50,000, provided customers meet both criterias of S$500 Card Spend and S$2,000 salary credit or 3 GIRO debits per month
  • ^Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law
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

BOC Sheng Siong Card

$195 Savings per year
BOC Sheng Siong Card
Very Good
$195 Savings per year

Annual Fees and Rates

  • Principal Annual Fee S$30
  • Supplementary Annual Fee S$15
  • Fee Waiver First year fee waived for Principal and Supplementary card
  • Annual Interest Rate 25.88%

Eligibility

  • Singaporean Minimum Income S$30,000 per year
    S$15,000 per year(For those between 55-65 years old)
  • Non-Singaporean Minimum Income S$60,000 per year

Things to look out for

  • Out-Store Spend under additional 5% cash rebate for Sheng Siong transactions refers to local and foreign retail transactions made outside of Sheng Siong
  • Total Retail Spend under Transport cash rebate refers to all local and foreign retail purchases including Sheng Siong Spend, transport transactions, dining, online purchases etc
  • Additional 5% cash rebate at Sheng Siong consists of 3% + 2% cash rebate where the 2% cash rebate at Sheng Siong is valid till 31 Dec 2017, with minimum out-of-store spend of $400 per month, capped at $20 per month
  • *Applicable for customers who (i) spend at least S$1,500 per month on their BOC Sheng Siong Card, (ii) credit a minimum salary of S$6,000 per month into their BOC accounts and (iii) pay 3 bills (minimum S$30 per bill) per month from their BOC MCS accounts. T&Cs apply. Insured up to S$50K by SDIC
  • To apply, SMS BOCCARD[space]SSMS[space]NAME to 79777
More Details

UOB Delight Card

$54 Savings per year
UOB Delight Card
Very Good
$54 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

  • 3% cashback rate for Bills (minimum spending $400)
  • 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
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

UOB YOLO Credit Card

$423 Savings per year
UOB YOLO Credit Card
Satisfactory
$423 Savings per year

Annual Fees and Rates

  • Principal Annual Fee S$192.60
  • Supplementary Annual Fee N/A
  • Fee Waiver 1 year fee waiver for Principal card, free 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

  • Up to S$10 off a grab ride every weekend with a spend on dining or entertainment during weekdays
  • Enjoy exclusive offers at Golden Village, Tanjong Beach Club, The Rabbit Hole, Timbre and many more
  • Insurance coverage of up to S$500,000 when you charge your travel tickets to your card
More Details
Standard Chartered SingPost Platinum Visa Credit Card
Satisfactory
$405 Savings per year

Annual Fees and Rates

  • Principal Annual Fee S$192.60
  • Supplementary Annual Fee Free
  • Fee Waiver 2 years fee waiver, subsequent years waived with min. spend of S$5,000 p.a.
  • Annual Interest Rate 24.455%

Eligibility

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

Things to look out for

  • Min. spend of S$600 per month to enjoy 7% cashback on online purchases and 2% on supermarket purchases
  • Base rate of 0.2% if min. spend is not met
  • 20% off shipping fees with vPost (Promo code SCB20B). T&Cs apply
More Details

Maybank Platinum Visa Card

$400 Savings per year
Maybank Platinum Visa Card
Satisfactory
$400 Savings per year

Annual Fees and Rates

  • Principal Annual Fee $80 per year
  • Supplementary Annual Fee N/A
  • Fee Waiver Waived when card is charged once every 3 months
  • Annual Interest Rate 15%

Eligibility

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

Things to look out for

  • Tier 1 Cashback: $30, monthly spend between $300 - $999
  • Tier 2 Cashback: $100, monthly spend $1,000 and above
  • Cashback awarded quarterly
More Details

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