MoneySmart Says
No annual fee for life. Advertises one of the highest cashback at 10%, but only for selected categories and limited by cashback cap.
- 10%
- Cash Back on Wine & Dine, Petrol & Transport, Travel
- S$800
- Min. spend per month
- S$100
- Cash Back Cap
Quick Facts
Get the maximum value by
Very specific categories and limited categories to maximise cash back, and yet still has high minimum spend. Slightly lower base cash back compared to the rest of the cards
Good for
Professionals who travel and eat out.
Categories to maximise this card
Health and medical, transport (i.e. Grab, petrol), dining (local and overseas), transaction in foreign currency and local electronics and furnishings.
What people use it for
Travel, transport and dining. Since there is no annual fee, just use this card whenever you spend in the more specific categories.
Get if
You consistently spend a modest amount on transport, dining and healthcare each month.
- 0.2% Unlimited Cash Back - No Min Spend
- 10% Cash Back on Wine & Dine, Transport & Petrol, Travel in Foreign Currency and more
- Apply for up up to 4 supplementary cards - & have annual fee waived for all supplementary cards
- Access to over 1,000 regional deals with discounts up to 50%
- 10% Cash Back on Wine & Dine
- 10% Cash Back on Transport & Petrol
- 10% Cash Back on Travel in Foreign Currency
- 10% Cash Back on Health & Medical
- 10% Cash Back on Electronic & Furnishing at Selected Merchants
- 0.2% Unlimited Cash Back - no min monthly spend or cap
- 10% is capped at S$100 per month and up to S$20 per category
- 10% Cash back consists of the base Cash Back of 0.2% and an additional 9.8%
- Up to 10% cash back when you purchase your flights and hotels in foreign currency
- Up to 10% off when you shop at Expedia & Shopee
- Access to over 1,000 regional deals with discounts up to 50%
- Up to 10% off total bill from dining merchants at hotels such as Fullerton Bay Hotel, One Farrer
- 15% - 20% off total bill from dining merchants at hotels such as Marriott, Grand Mecure, Concorde
- With CIMB 0% i.Pay Plan (IPP) enjoy interest free instalments form 6 to 24 months
- A one time processing fee of 3% to 5% is applicable based on the transaction amount and loan tenure
- Earn cash rebates on instalment payment plan and save on your daily expenses.
- Minimum of S$500 and maximum of S$30K can be converted per transaction.
| Annual Principal Fee | S$0 |
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| Supplementary Annual Fee | Free |
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| Fee Waiver | Available |
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| Interest Free Period | 23 days |
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| Annual Interest Rate | 25.90% |
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| Late Payment Fees | S$80 |
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| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
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| Foreign Currency Transaction Fee | 2.00% |
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| Foreign Check Fee | N/A |
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| Cash Advance Transaction Fee | 6% of the amount withdrawn (minimum charge of S$15) |
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| Overlimit Fee | N/A |
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| Singaporean/PR Minimum Income | S$30,000 |
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| Non-Singaporean Minimum Income | S$60,000 |
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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.
