Best Online Shopping Credit Cards 2018

Updated December 2018

Get exclusive shopping discounts and rewards on top online retailers with your very own Online Shopping Credit Card. Compare Online Shopping Credit Cards to find the best one for you!

Popular Online Shopping Credit Cards

Standard Chartered Unlimited Cashback Credit Card
Excellent
Standard Chartered Unlimited Cashback Credit Card
Excellent

1.5%

Cash Back on All Spend with no cap

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab
  • +1 more

Other Promotions

  • Up to 50% off dining at The Fullerton Hotel

Online Shopping Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Unlimited Cashback via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Application Reference Number on the Thank You Page upon completion on or before 31 Dec 2018 for your S$50 Cash Gift. Full T&Cs here
  • 1.5% cashback on all eligible spend. No cashback cap and no minimum spend
  • Get 10% off full-price items plus free shipping at YOOX.com. Use promo codes FSMCYOOX (for free shipping) and MASTERCARD (for 10% discount). Valid till 31 Dec 2018
  • Get 15% off at Strawberrynet.com plus free shipping on all online purchases with min. spend USD$30. Valid till 31 Dec 2018
  • Enjoy discount privileges at over 3,000 outlets in Asia from dining to shopping among others with The Good Life®, only with Standard Chartered Cards

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Google Pay
Standard Chartered Spree Credit Card
Excellent
Standard Chartered Spree Credit Card
Excellent

3%

Cash Back on Online Spends in Foreign Currency

S$60

Cash Back Cap per month

S$0

Min. Spend per month

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab

Online Shopping Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Spree Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Application Reference Number on the Thank You Page upon completion on or before 31 Dec 2018 for your S$50 Cash Gift. Full T&Cs here
  • 3% cashback on all online spends in foreign currency
  • 2% cashback on all online spends in local currency, contactless and mobile payments
  • 20% off vPost shipping fees for air shipments to Singapore, capped at $1250 per shipment
  • Online Price Guarantee: refund of 50% of the price difference if you find a lower price for the same item within 30 days of your online purchase*

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
DBS Live Fresh Card
Excellent
DBS Live Fresh Card
Excellent

Up to 5%

Cash Back on Online Spends

$60

Cash Back Cap per month

$600

Min. Spend per month

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Online Shopping Features

  • 5% cashback when you shop online

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$128
Supplementary Annual Fee64.2
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
DBS Woman's Card
Excellent
DBS Woman's Card
Excellent

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

0%

Interest Payment Plans (up to 1 year)

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Online Shopping Features

  • Earn 5X Rewards (5 DBS Points OR 10 miles per S$5 spend) when shopping online
  • Enjoy 0% interest over 3, 6 or 12 months and waived processing fee with My Preferred Payment Plan
  • Enjoy exclusive shopping privileges with DBS Lifestyle App

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$161
Supplementary Annual Fee80.25
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
DBS Woman's World Card
Excellent
DBS Woman's World Card
Excellent

S$5 = 10X Points

on Online Spend

S$5= 1X Points

on All Other Spend

0%

Interest Payment Plans (up to 1 year)

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Online Shopping Features

  • Earn 10X Rewards (10 DBS Points OR 20 miles per S$5 spend) when shopping online
  • Earn 3X Rewards (3 DBS Points OR 6 miles per S$5 spend) when shopping overseas
  • Enjoy 0% interest over 3, 6 or 12 months and waived processing fee with My Preferred Payment Plan
  • Enjoy exclusive shopping privileges with DBS Lifestyle App

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$80,000
Foreigner$80,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
OCBC Titanium Rewards Card
Excellent
OCBC Titanium Rewards Card
Excellent

S$1 = 10 OCBC$

on Online, Offline, Local and Overseas spend

S$20 NTUC FairPrice Vouchers

with 7,000 OCBC$

S$5 Zara bill offset

with 1,750 OCBC$

Online Shopping Features

  • 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas
  • Enjoy e-commerce coverage of up to USD 200 per year with min item of USD 50

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
Citibank SMRT Card
Very Good
Citibank SMRT Card
Very Good

3%

Cash Back on Online Spends

S$600

Cash Back Cap per year

S$300

Min. Spend per month

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

Online Shopping Features

  • Up to 3% savings on Online Shopping*. 2.7% + 0.3% (if monthly card spend is at least $300)
  • *Excludes all travel-related merchants worldwide - Airlines, Air Carriers, Car Rental Agencies, Lodging, Travel Agencies & Tour Operators, Passenger Railways, Taxicabs & Limousines, Bus Lines, Steamship & Cruise Lines and Other Transportation Services, Direct Marketing Travel-Related Arrangement Services
  • Savings awarded in SMRT$, capped at 600 SMRT$ every 12 month period

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay, Citi Pay
Standard Chartered Rewards+ Credit Card
Very Good
Standard Chartered Rewards+ Credit Card
Very Good

S$1= 10X Points

on Foreign Currency Spend

S$1= 1X Point

on All Other Spend

1 Point = 0.29 Miles

Rewards to Miles Conversion

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab
  • +2 more

Other Promotions

  • Up to 50% off dining at The Fullerton Hotel
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

Online Shopping Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Rewards+ Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Application Reference Number on the Thank You Page upon completion on or before 31 Dec 2018 for your S$50 Cash Gift. Full T&Cs here
  • 10X Rewards Points per S$1 spent in foreign currency, including online spends
  • 5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions
  • 1X Rewards Points per S$1 on all other spends
  • Rewards Points capped at 20,000 points per year

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa Paywave, Apple Pay, Samsung Pay, Google Pay
OCBC Frank Card
Very Good
OCBC Frank Card
Very Good

6%

Cash Back on Online Spend and Mobile Payments

S$60

Cash Back Cap per month

S$300

Min. Offline Spend per month

Online Shopping Features

  • 6% rebate on online shopping
  • 0.3% rebate on everything else
  • Monthly Offline min. spend of S$300 (excludes Online and NETS FlashPay Auto Top-Up spend), capped at S$60 for all rebates

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$80
Supplementary Annual Fee$40
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Google Pay
Maybank Horizon Visa Signature
Very Good
Maybank Horizon Visa Signature
Very Good

S$1 = 8X Points

on Air Tickets, Hotel Bookings at Agoda and Online Spend in Foreign Currency

S$1 = 1X Point

on All Other Spend

S$50 = 17,500 Points

Redeem for Vouchers at Selected Malls

Online Shopping Features

  • Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on air tickets, hotel bookings at Agoda.com/horizon and online spend in foreign currency
  • Min spend: S$300/month
  • Capped at 30,000 Bonus TREATS Points per month
  • 1X TREATS Point with no minimum spend

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$180
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay
Bank of China Qoo10 World Mastercard®
Very Good
Bank of China Qoo10 World Mastercard®
Very Good

Up to 15%

Rebate on Qoo10 Transactions

S$80

Rebate Cap per month

S$600

Min. Spend per month

  • Unlimited rebate on Overseas Spend
  • Enjoy up to 15% rebate

Online Shopping Features

  • 15% Rebate on Qoo10 transactions, with an overall min. spend of S$600 per month
  • 3% Rebate on Qoo10 transactions, with an overall min. spend of S$300 per month
  • 5% Rebate on online spend, with an overall min. spend of S$600 per month
  • Cash rebate cap of S$40 on Qoo10 transactions, and S$40 on all other transactions per month
  • 0.3% Rebate on all transactions (except Qoo10 transactions), with a min. spend of S$300 per month
  • All rebates in form of Qmoney where 1 Qmoney = S$1

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMastercard
Wireless PaymentN/A
Bank of China Zaobao Credit Card
Very Good
Bank of China Zaobao Credit Card
Very Good

10%

Cash Rebate on Online Purchases

S$1 = 2X Points

For all Overseas spend

S$1 = 1X Point

For all local spend

Online Shopping Features

  • 10% Cash Rebate on online purchases

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationUnionPay
Wireless PaymentN/A
Bank of China Family Card
Very Good
Bank of China Family Card
Very Good

5%

Cash Back on Online Purchases

S$30

Cash Back on Online Purchases per month

S$700

Min. Spend per month

Online Shopping Features

  • 5% cashback on online purchases
  • Cashback cap at $100 per month where cap is at S$30 per month for online purchases

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentN/A
UOB Lady's Card
Satisfactory
UOB Lady's Card
Satisfactory

S$5= 5X UNI$

on Online Spend

S$5 = 1X UNI$

on All Other Spend

0%

Interest Payment Plans (up to 1 year)

  • Get up to $170 cash credit when you apply online and for the One Account

Online Shopping Features

  • 5X UNI$ on your online shopping (in foreign currencies)
  • Complimentary e-commerce protection for your online purchases (Up to USD200)

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
NTUC Plus! Visa Credit Card
Satisfactory
NTUC Plus! Visa Credit Card
Satisfactory

Up to 8% Savings

on FairPrice Online

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$400

Min. Spend per month

Online Shopping Features

  • Up to 8% rebates at FairPrice Online

Annual Interest Rate and Fees

Annual Interest Rate25.92%
Principle Annual FeeN/A
Supplementary Annual FeeComplimentary, up to 3 supplementary cards
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
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