Up to 10%

Cash Back

^S$100

Cash Back Cap per month

^S$800

Min. Total Spend per month

All Details

• Key Features

  • Earn 8% cashback on online/ contactless mobile transactions in SGD

  • Earn 8% cashback on Foreign Currency transactions

  • Earn 2% bonus cashback at selected Green Merchants: SimplyGo, BlueSG, Scoop Wholefoods and more.

  • 0.3% cashback on other eligible spends

  • To enjoy the cashback, you need to spend a minimum of S$800 based on posted transactions in a calendar month

  • If you spend less than S$800, a flat 0.3% cashback is awarded

  • Min. annual spend of S$10,000 from date of approval to qualify for automatic annual fee waiver

  • 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.

Entertainment

Very Good

• Earn 8% cashback on online/ contactless mobile transactions in SGD

• Earn 2% bonus cashback at selected Green Merchants: SimplyGo, BlueSG, Scoop Wholefoods and more.

• 0.3% cashback on other eligible spends

• To enjoy the cashback, you need to spend a minimum of S$800 based on posted transactions in a calendar month

Cash Back

Very Good

• Earn 8% cashback on online/ contactless mobile transactions in SGD

• Earn 8% cashback on Foreign Currency transactions

• Earn 2% bonus cashback at selected Green Merchants: SimplyGo, BlueSG, Scoop Wholefoods and more.

• 0.3% cashback on other eligible spends

• To enjoy the cashback, you need to spend a minimum of S$800 based on posted transactions in a calendar month

• If you spend less than S$800, a flat 0.3% cashback is awarded

Annual Interest Rate and Fees

Annual Principal Fee	S$196.20 (First 2 Years Fee Waived)
Supplementary Annual Fee	S$98.10 (First 2 Years Fee Waived)
Fee Waiver	Available
Interest Free Period	23 days
Annual Interest Rate	27.78%
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	N/A

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