6%

Cashback on Everyday Dining

^S$80

Cashback Cap per month

^S$800

Min. Spend per month

All Details

• Key Features

  • 6% cashback on everyday dining (including local, overseas and online food delivery)

  • 6% cashback on fuel spend at all petrol service stations locally and overseas

  • Customers can enjoy fuel savings of up to 22.92% at Caltex and 20.2% at Esso

  • 3% cashback on groceries, land transport, online travel, recurring telco and electricity bills

  • 0.3% cashback on everything else

  • 2 years fee waiver for principal card (S$194.40), subsequent years waived with min. spend of S$10,000 p.a.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Bill Payment

Excellent

• 3% cashback on recurring bills from StarHub, Singtel, M1, MyRepublic, CirclesLife, etc...

• 3% cashback on recurring elecitrcity bills from Sembcorp Power, Senoko Energy and Keppel Electric, etc...

• Rebates capped at S$80/month

• 2 years annual fee waiver of S$194.40/year

Petrol

Excellent

Best for: Petrol transactions at Caltex & Esso stations

• Up to 22.92% fuel savings at Caltex (including 18% instant discount for all fuel)

• Up to 20.2% fuel savings at Esso

• 6% cashback on fuel spend at all petrol service stations locally and overseas

Cash Back

Excellent

• 6% cashback on local and overseas dining, everyday

• 6% cashback on online food delivery e.g. Deliveroo and Foodpanda

• Enjoy fuel savings of up to 22.92% at Caltex stations and up to 20.2% at Esso

• 3% cashback on local, overseas and online groceries e.g. Redmart, FairPrice Online and Honestbee

• 3% cashback on local and overseas private hire rides e.g. SimplyGo, Grab, ComfortDelGro, Go-jek, TADA

• 3% cashback on online air, cruise, hotel and tour bookings e.g. Agoda and Airbnb

• 3% cashback on recurring telco and electricity bills

• 0.3% cashback on everything else

• Min. spend of $800/month, cap S$80/month

Dining

Excellent

• 6% cashback on local and overseas dining, everyday

• 6% cashback on online food delivery e.g. Deliveroo and Foodpanda

• Min. spend of $800/month, cap S$80/month

Buffet Promotion

Very Good

• 1-for-1 hotel buffet promotions including Sun's Cafe at Hotel Grand Pacific

• 6% cash back on dining (local & overseas)

• Up to 30% off on drinks at selected hotels & resorts

Overseas Spending

Good

• 6% cash back on everyday Dining (also applies to overseas spending)

• 6% cashback on fuel spend at all petrol service stations overseas

• 3% cashback on overseas groceries

• 3% cashback on overseas private hire rides e.g. Grab, Go-jek, TADA

• 3% cashback on online air, cruise, hotel and tour bookings e.g. Agoda and Airbnb

• Minimum spend of S$800/month required

• Cash back capped at S$80

• 3.25% foreign currency transaction fee

Grocery

Good

• 3% cashback on local and overseas groceries

• 3% cashback on online local and overseas groceries e.g. Redmart, FairPrice Online and Honestbee

• Min. spend of $800/month, cap S$80/month

Annual Interest Rate and Fees

Annual Principal Fee	S$194.40
Supplementary Annual Fee	S$97.20
Fee Waiver	Available
Interest Free Period	23 days
Annual Interest Rate	26.88%
Late Payment Fees	S$100
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	8% or $15, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$45,000

Card Association

Visa

Wireless Payment

Visa Contactless
Apple Pay
Samsung Pay
Google Pay

MoneySmart Promotions

MoneySmart Exclusive
Online Promotion