Updated November 2018
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6%
Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)
S$80
Cashback Cap per month
S$800
Min. Spend per month
| Annual Interest Rate | 26.88% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | S$96.30 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
Up to 18%
Cashback on Dining
Up to S$80
Cash Back Cap
S$600
Min. Spend per month
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 21 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay |
8%
Cash Back on Dining, including delivery from FoodPanda & Deliveroo
S$25
Cash Back Cap per category, per month
S$888
Min. Spend per month
| Annual Interest Rate | 26.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | $96.30 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 1% or S$50, whichever is higher |
| Interest Free Period | 25 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $42,000 |
| Card Association | MasterCard, Visa |
|---|---|
| Wireless Payment | Visa payWave, MasterCard PayPass, Samsung Pay, Citi Pay |
Up to 15%
on Online Dining
Up to 5%
on Dining
S$50
Cash Back Cap per month
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 96.3 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or $80, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay |
Up to 50%
Discounts at Selected Hotels & Restaurants
1-for-1 Drinks
at Select Rooftop Bars and Nightclubs
N.A
N.A
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $321 |
| Supplementary Annual Fee | 160.5 |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 22 days |
| Singaporean | $50,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
10%
Cash Rebate on Dining
S$1 = 2X Points
For all Overseas spend
S$1 = 1X Point
For all local spend
| Annual Interest Rate | 28.88% |
|---|---|
| Principle Annual Fee | $190 |
| Supplementary Annual Fee | $95 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | N/A |
10%
Cash Back on Everyday Dining Locally and Overseas
S$30
Cash Back on Dining per month
S$700
Min. Spend per month
| Annual Interest Rate | 28.88% |
|---|---|
| Principle Annual Fee | $190 |
| Supplementary Annual Fee | $95 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | N/A |
Up to 3.5%
Cash Back on All Spend
S$125
Cash Back Cap per month
S$0
Min. Spend per month
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
Up to 5%
Cash Back on All Spend
S$300
Cash Back Cap per quarter
S$2000
Min. Spend per month, per quarter
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 1st supplementary card free; $96.30 for subsequent cards |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% of S$50, whichever is higher |
| Interest Free Period | 21 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay |
Up to 50%
Discounts at Marriott, St. Regis, and more
Up to 50%
Discounts at Lawry's, TWG, and more
No Expiry Date
on Membership Rewards Points
| Annual Interest Rate | N/A |
|---|---|
| Principle Annual Fee | $1,712 |
| Supplementary Annual Fee | $160.50 (First 2 Supplementary Cards fee permanently waived) |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | N/A |
| Interest Free Period | N/A |
| Singaporean | $200,000 |
|---|---|
| Foreigner | $200,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | N/A |
S$1= 5X Points
on Local Dining Spend
S$1= 1X Point
on All Other Spend
1 Point = 0.29 Miles
Rewards to Miles Conversion
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 1% or S$50, whichever is higher |
| Interest Free Period |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa Paywave, Apple Pay, Samsung Pay, Google Pay |
6X STAR$
on All Purchases in Capitaland Malls
Additional 10X STAR$
at Selected Participating Outlets
S$1,200
Max Spend per month
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $171 |
| Supplementary Annual Fee | 85.6 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or $50, whichever is higher |
| Interest Free Period | 22 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | American Express |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
5X Rewards
Discount at Selected Restaurants
5X Rewards
on Online Food Orders
1,000 HSBC Rewards Points/month
Rewards Points Cap
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $150 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
Up to 5%
Cash Back on Contactless Payments
S$60
Cash Back Cap per month
S$600
Min. Spend per month
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $128 |
| Supplementary Annual Fee | 64.2 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
Up to 50%
Discounts at Participating Restaurants
15%
Discount at Selected European Restaurants
35,000 Miles
Welcome Gift
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $650 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $120,000 |
|---|---|
| Foreigner | $120,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
5%
Rebate on Local Dining
S$80
Rebate Cap per month
S$600
Min. Spend per month
| Annual Interest Rate | 28.88% |
|---|---|
| Principle Annual Fee | $190 |
| Supplementary Annual Fee | $95 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | Mastercard |
|---|---|
| Wireless Payment | N/A |
S$1 = 8X Points
on Dining Spend
S$1 = 1X Point
on All Other Spend
30,000
Cap on Bonus TREATS Points
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $180 |
| Supplementary Annual Fee | Complimentary |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$20, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $50,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Samsung Pay |
10X Points
on Selected Dining Merchants
12.5% P$ Rebate
at Selected outlets of Paradise Group
1X Point
on All Other Retail Spend
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $240 |
| Supplementary Annual Fee | Free |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$20, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $80,000 |
|---|---|
| Foreigner | $80,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | MasterCard PayPass |
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