Best Cash Back Credit Cards - Singapore

HSBC Advance Credit Card

$270 Savings per year

Must Have Card

Excellent

1.5% Cash Back on all purchases with no minimum spend / 2.5% Cash Back on all purchases with $2,000 minimum spend per month. Capped at $70 per month
For HSBC Advance banking customers: 2.5% Cash Back on all purchases with no minimum spend / 3.5% Cash Back on all spend with S$2,000 minimum spend per month. Capped at S$125 per month
1st year principal card annual fee waiver for non-HSBC Advance banking customers / Perpetual principal card annual fee waiver for HSBC Advance banking customers
Perpetual supplementary card annual fee waiver

$270 Savings per year

The New HSBC Advance Credit Card

Up to 2.5% Cash Back on all purchases
Additional 1% Cash Back for HSBC Advance banking customers
No minimum spend required
1 year annual fee waiver (Perpetually waived for HSBC Advance banking customers)
Get an American Tourister Caravan 70cm TSA Luggage worth S$260 OR $120 Cash Back

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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

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Citi Cash Back Card

$696 Savings per year

Must Have Card

Excellent

Free S$100 NTUC Fairprice OR Takashimaya Vouchers!

8% cash back at ALL food & beverage outlets, supermarkets, food & groceries delivery (including Foodpanda, Deliveroo, honestbee, RedMart) and Grab rides globally
Up to 20.88% at Esso and Shell, and 8% Cash Back at all other petrol stations
Total minimum spend of S$888/statement month, 8% cash back capped at S$25 per category (Dining, Grab rides, Groceries, Petrol). For spend less than S$888 and other spends, 0.25% cash back is awarded, no cap on 0.25% cash back earned

$696 Savings per year

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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

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American Express True Cashback Card

$345 Savings per year

Must Have Card

Excellent

Bonus S$50 worth of CapitaVouchers

Apply through MoneySmart from 6 Oct 2017 to 31 Oct 2017 to get S$50 worth of CapitaVouchers. Application must be approved by 14 Nov 2017. Submit your (i)Contact Details and (ii)14 Digit Reference Number on the Thank You Page upon completion at this link before 1 Nov 2017. T&Cs
1.5% Cashback on any purchase you make, anytime
3% Cashback for the first 6 months up to $5000 spend
Enjoy first year fee waiver
Eligible for use with Apple Pay

$345 Savings per year

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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)

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OCBC 365 Credit Card

$525 Savings per year

Excellent

3% Cashback on Weekday and Overseas Dining, Grocery and Recurring Telecommunications bills, and all Online spend
6% Cashback on Weekend Dining
Up to 23.8% Fuel Savings at selected petrol stations
Minimum spend of $600/month, $80 cap /month. For spend less than $600, a flat 0.3% cashback is awarded

$525 Savings per year

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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

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Standard Chartered Unlimited Cashback Credit Card

$270 Savings per year

Excellent

1.5% cashback on all eligible spend with no cashback cap and no minimum spend
3% unlimited cashback on all foreign currency transactions and overseas spends (inclusive of 1.5% cashback on all eligible spend). Valid till 31 Oct
Doubles up as your ez-link card with the EZ-Link facility enabled on it
Get 20% Cashback on Uber Rides* when you charge a min. of $600 on retail spend per month, $50 Cashback cap till 30 Sept 2017. *All transactions on Uber & UberEats App qualify

$270 Savings per year

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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.

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UOB YOLO Credit Card

$423 Savings per year

Very Good

16% cash rebate on weekend Dining & Entertainment^; 3% cashback on weekday Dining & Entertainment
3% cash rebate on Online Travel* and fashion
Minimum spend: S$600. Cashback cap: S$60/month
1 year principal card fee waiver; no annual fees for first supplementary card
Base rate: 0.3% cashback if minimum spend of S$600 is not met

$423 Savings per year

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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

^Entertainment transactions are card transactions made at bars, taverns, lounges, nightclubs, all cinemas in Singapore as well as Ticketing Servicing Provider(s) such as Sistic and Sportshub
*Card transactions made online at Agoda, Airasia, Airbnb, Cathay Pacific, Expedia, Hotels, Jetstar, Flyscoot, SIA, Tigerair, Uobtravel
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

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UOB One Card

$400 Savings per year

Very Good

Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
Additional 10% rebate on mobile payments with a minimum spend of S$500 per Qualifying Period (10 Aug-31 Aug, 1 Sep-30 Sep, 1 Oct-31 Oct); Valid till 31 Oct 2017
Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme

$400 Savings per year

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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

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HSBC Visa Platinum Credit Card

$372 Savings per year

Very Good

5% or 3% cash rebate on all grocery spend (with min. $800 or $400 spend/month for all three months in the quarter)
5% cash rebate on Recurring Mobile/Cable TV/Internet Bill Payment (with min. $400 spend/month for all three months in the quarter)
5% or 3% cash rebate at all Shell and Caltex stations (with min. $800 or $400 spend/month for all three months in the quarter)
2% or 1% cash rebate on dining (with min. $800 or $400 spend/month for all three months in the quarter)
S$60 cap per account per quarter

$372 Savings per year

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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

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UOB Delight Card

$271 Savings per year

Very Good

8% or 3% cash rebate at Cold Storage, Market Place, Jasons, Giant, and Guardian. Minimum spend: S$800/S$400 per month respectively
3% cash rebate on ALL contactless transactions and selected recurring bills. Minimum spend: S$400/month
Cash rebate cap: S$50/month, no cap on SMART$ earned at SMART$ Merchants.
Base rate: 0.3% cashback on spends less than S$400 and on all other spend

$271 Savings per year

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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$

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DBS Black Visa Card

Very Good

5% Cashback on Clothes, Bags, Shoes, Jewellery, Watches and at Department Stores like Isetan, Robinsons, Tangs & Takashimaya with a minimum spend of S$700 per calendar month, capped at S$70 per month
5% Cashback on Groceries at all supermarkets and online grocery stores like Honestbee & RedMart with a minimum spend of S$700 per calendar month, capped at S$70 per month (only for New Black Cardmembers with card approved between 1 June to 30 September 2017)

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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

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Maybank Family & Friends Card

$445 Savings per year

Satisfactory

Enjoy 8% cash rebates with min. spend of S$1,000 at selected merchant outlets
Receive 5% cash rebates with min. spend of S$500 at these selected merchants
Earn 0.3% cash rebates on all other purchases and/or if spending is below S$500
Merchant outlets include Cold Storage, NTUC Fairprice, Caltex, Esso, Shell, Foodpanda, McDonald's, Guardian, and Watson's among others

$445 Savings per year

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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

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Maybank Platinum Visa Card

$400 Savings per year

Satisfactory

Up to 3.33% cash rebates on local spend (min spend of $300/month or $1,000/month in a quarter)
0.3% cash rebates on overseas spend from 1 Jan to 31 Dec 2017

$400 Savings per year

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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

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Citibank SMRT Card

$376 Savings per year

Satisfactory

Free S$100 NTUC Fairprice OR Takashimaya Vouchers!

Up to 5% savings on on Groceries. 4.7% (For transactions above $50. If transaction is $50 and below, 2.7% awarded instead) + 0.3% (If monthly card spend is at least $300)
Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
Up to 3% savings on Online Shopping. 2.7% + 0.3% (If monthly card spend is at least $300)
Up to 2% savings on Health & Beauty. 1.7% + 0.3% (If monthly card spend is at least $300). Including GNC, Guardian, Nature's Farm, NTUC Unity Healthcare & Watson's
Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
Up to 5% savings for the following with monthly spend of at least $300. 5% at POPULAR Bookstores and Toys"R"Us, 5% at selected Town Councils for Service and Conservancy Charges, 1% savings on Telecommunication bills, 1% on selected Insurance providers, 1% on SPH Newspaper Subscriptions. If monthly spend is less than $300, SMRT$ earn rate will be 0.3% less.
Savings awarded in SMRT$. 1 SMRT$ = S$1 of vouchers. Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres
0.3% awarded on all other spend categories

$376 Savings per year

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Annual Fees and Rates

Principal Annual Fee $160.50 per year
Supplementary Annual Fee $85.60 per year
Fee Waiver 2 years fee waiver 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

Maximum 600 SMRT$ awarded for every 12 month period
Redeem SMRT$ for cash rebate instantly via SMS
Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres
Card can be used as an EZlink card for public transportation
Additional SMRT$ of up to 10% awarded for purchase at Sheng Shiong, Subway, Starbucks, Cedele and more
Online Spend excludes all travel-related merchants worldwide, including Airlines, Air Carriers, Car Rental Agencies, Lodging, Travel Agencies & Tour Operators, Passenger Railways, Taxicabs & Limousines, Bus Lines, Steamship & Cruise Lines and Other Transportation Services, Direct Marketing Travel-Related Arrangement Services

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POSB Everyday Card

$264 Savings per year

Satisfactory

Up to 14% rebate on online food delivery with minimum spending of S$600 per calendar month
Get up to 3% on weekdays and 9% on weekends at food outlets, with a minimum spend of S$600 per month
Get up to 5% cash rebate at Sheng Siong, 3% at Watsons, and more
Get up to 14% cash rebate on overseas spend, valid till 30 Sep 2017
Get 1% cash rebate on utilities and telecommunications recurring bills

$264 Savings per year

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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

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Best Cash Back Credit Cards 2017

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Singapore Cash Back Credit Cards

The New HSBC Advance Credit Card

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