MoneySmart Says

No annual fee for life. Advertises one of the highest cash back at 10%, but only for selected categories and limited by cashback cap.

Up to 10%
Cash Back on Cruises
S$800
Min. spend per month
2%
Foreign Transaction Fee

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

Young professionals who shop online and also buy groceries

Categories to maximise this card

Beauty and wellness, grocery, online shopping, pet care and cruises

What people use it for

Daily spending and online shopping. 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 on groceries, online shopping and beauty/wellness each month

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