Best Online Shopping Credit Cards 2019

MoneySmart Exclusive: Get S$200 Cash via PayNow or Grab Codes! Applies to new to bank customers. Claim HereValid till 30 Nov 2019.

S$1= 10X Points

on Online Spend*

S$1= 10X Points

on Shopping Spend

S$1 = 1 Point

on All Other Spend

MoneySmart Exclusive: Get S$200 Cash via PayNow or Grab Codes! Applies to new to bank customers. Claim HereValid till 30 Nov 2019.

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Online Shopping Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$200 Gift
10X Rewards on all online purchases (excludes travel-related transactions). Bank's T&Cs apply
10X Rewards on Ride-haling, Shopping and Online spends. T&Cs apply
10X Rewards capped at 10,000 Points per statement month
10X Rewards = 4 Miles
S$1 spent = 1 Rewards point (All other spend). No minimum spend required, no cap

Annual Interest Rate and Fees

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

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	MasterCard, Visa
Wireless Payment	Master PayPass, Visa payWave, Samsung Pay, Citi Pay

Up to S$200 Cash + Cashback!

Standard Chartered Unlimited Cashback Credit Card

Up to 1.5%

Cash Back on eligible spend

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get up to $200 Cash + Cashback & Instant digital card approval with MyInfo! Claim hereValid till 30 Nov 2019.

Up to 1.5%

Cash Back on eligible spend

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get up to $200 Cash + Cashback & Instant digital card approval with MyInfo! Claim hereValid till 30 Nov 2019.

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Online Shopping Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$120 Cash Gift
1.5% cashback on all eligible spend. No cashback cap and no minimum spend
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 Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay

UOB YOLO Credit Card

Up to 8%

Cash Back on Online, Grab, Dining & Entertainment Spend

Up to S$80

Cash Back Cap per month

S$600

Min. Spend per month

Up to 8%

Cash Back on Online, Grab, Dining & Entertainment Spend

Up to S$80

Cash Back Cap per month

S$600

Min. Spend per month

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Online Shopping Features

Up to 8% cashback on Online, Grab, Dining and Entertainment spend (3% weekday; 8% weekend)
Up to 28% off at ZALORA, Lazada and more
Up to 18% off at Expedia, Agoda and more
0.3% cash back on all other spend
Minimum spend of S$600 per statement month for 8% and 3% cash back, otherwise 0.3% cash back earned on all spend
Total cash back cap: S$80 per month. S$80 cash back per month consists of S$60 base cash back and S$20 bonus cash back

Annual Interest Rate and Fees

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

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Popular Online Shopping Credit Cards

Standard Chartered Spree Credit Card

Cash Back on Online Spends in Foreign Currency

S$60

Cash Back Cap per month

S$0

Min. Spend per month

Cash Back on Online Spends in Foreign Currency

S$60

Cash Back Cap per month

S$0

Min. Spend per month

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Online Shopping Features

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 Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

HSBC Revolution Credit Card

S$1= 5X Points

on Online Spend

S$1= 1X Point

on All Other Spend

6,500 Points= S$20

Redeemable at Isetan, Metro & TANGS

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

S$1= 5X Points

on Online Spend

S$1= 1X Point

on All Other Spend

6,500 Points= S$20

Redeemable at Isetan, Metro & TANGS

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

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Online Shopping Features

5X Rewards points (or 2 air miles) per S$1 spent on Online transactions
Includes airline/movie/concert tickets, hotel/travel/taxi bookings, food orders, insurance premiums, and online shopping sites
Excludes brokerages/securities and money payment/transfer websites

Annual Interest Rate and Fees

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

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay

DBS Live Fresh Card

10%

Cash Back on Online Spends

$80

Cash Back Cap per month

$600

Min. Spend per month

Online Promotion: Enjoy up to S$180 cashbackValid till 31 Mar 2020.

10%

Cash Back on Online Spends

$80

Cash Back Cap per month

$600

Min. Spend per month

Online Promotion: Enjoy up to S$180 cashbackValid till 31 Mar 2020.

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Online Shopping Features

Earn 5% cashback when you shop online and make a minimum spend of S$600 per calendar month

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	1 year
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa Contactless, Apple Pay, Samsung Pay, Google Pay

DBS Woman's Card

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

Interest Payment Plans (up to 1 year)

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

Interest Payment Plans (up to 1 year)

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

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Online Shopping Features

5X DBS Points (or 10 miles) per S$5 spent on online shopping purchase
1X DBS Points (or 2 miles) per S$5 spent on all other purchases
Complimentary e-Commerce Protection for your online purchases

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$161
Supplementary Annual Fee	S$80.25
Fee Waiver	Available
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Mastercard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

DBS Woman's World Card

S$5 = 10X Points

on Online Spend

S$5= 1X Points

on All Other Spend

Interest Payment Plans (up to 1 year)

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

S$5 = 10X Points

on Online Spend

S$5= 1X Points

on All Other Spend

Interest Payment Plans (up to 1 year)

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

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Online Shopping Features

10X DBS Points (or 20 miles) per S$5 spent on online shopping purchase
3X DBS Points (or 6 miles) per S$5 spent overseas shopping purchase
1X DBS Points (or 2 miles) per S$5 spent on all other purchases
Complimentary e-Commerce Protection for your online purchases
Up to 20% off at Lazada, YOOX and more

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.3
Fee Waiver	Available
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$80,000
Foreigner	$80,000

Other

Card Association	mastercard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

OCBC Titanium Rewards Card (Blue)

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 Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

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 Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

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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 Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

OCBC Titanium Rewards Card (Pink)

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 Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

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 Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

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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 Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

Citibank SMRT Card

Cash Back on Online Spends

S$600

Cash Back Cap per year

S$300

Min. Spend per month

Online Promotion: Get S$120 cash back when you spend S$1,200 in the first 3 monthsValid till 31 Dec 2019.

Cash Back on Online Spends

S$600

Cash Back Cap per year

S$300

Min. Spend per month

Online Promotion: Get S$120 cash back when you spend S$1,200 in the first 3 monthsValid till 31 Dec 2019.

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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 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

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Samsung Pay, Citi Pay

CIMB Platinum Mastercard

10%

Cash Back on Wine & Dine, Petrol & Transport, Travel

S$800

Min. spend per month

S$100

Cash Back Cap

Online Promotion: Get a free return flight ticket!Valid till 31 Dec 2019.

10%

Cash Back on Wine & Dine, Petrol & Transport, Travel

S$800

Min. spend per month

S$100

Cash Back Cap

Online Promotion: Get a free return flight ticket!Valid till 31 Dec 2019.

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Online Shopping Features

Up to 10% off when you shop at Expedia & Shopee
Up to 15% off when you shop at Zalora with a S$100 min spend

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$0
Supplementary Annual Fee	Free
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Mastercard
Wireless Payment	Mastercard PayPass

CIMB Visa Signature

10%

Cash Back on Beauty & Wellness, Online Shopping, Groceries

S$800

Min. spend per month

S$100

Cash Back Cap

Online Promotion: Get a free return flight ticket!Valid till 31 Dec 2019.

10%

Cash Back on Beauty & Wellness, Online Shopping, Groceries

S$800

Min. spend per month

S$100

Cash Back Cap

Online Promotion: Get a free return flight ticket!Valid till 31 Dec 2019.

More Details

Online Shopping Features

Up to 10% off when you shop at Expedia & Shopee
Up to 15% off when you shop at Zalora with a S$100 min spend

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$0
Supplementary Annual Fee	Free
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa PayWave

Standard Chartered Rewards+ Credit Card

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

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

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Online Shopping Features

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 Rate	26.90%
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

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa Paywave, Apple Pay, Samsung Pay, Google Pay

OCBC Frank Card

Cash Back on Online Spend

S$60

Cash Back Cap per month

S$300

Min. Offline Spend per month

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

Cash Back on Online Spend

S$60

Cash Back Cap per month

S$300

Min. Offline Spend per month

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

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Online Shopping Features

6% rebate on online shopping
0.3% rebate on everything else
S$60 monthly capped rebate with monthly offline min. spend of S$400 (excludes online and NETS FlashPay Auto Top-Up spend)
Enjoy 6.6% cash back on Puma and Under Armour via RebateMango. Valid till 31 Dec 2019

Annual Interest Rate and Fees

Annual Interest Rate	26.88%
Principle Annual Fee	$80
Supplementary Annual Fee	$40
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Google Pay

UOB Lady's Card

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

Interest Payment Plans (up to 1 year)

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

Interest Payment Plans (up to 1 year)

More Details

Online Shopping Features

10X UNI$ on your online shopping (in foreign currencies)
Enjoy deals from various merchants, including but not limited to: Zalora, ASOS, Taobao and more
Complimentary e-commerce protection for your online purchases (Up to USD200)

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	96.3
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Maybank Horizon Visa Signature

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 Promotion: Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!Valid till 30 Nov 2019.

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 Promotion: Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!Valid till 30 Nov 2019.

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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 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

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Samsung Pay

CIMB Visa Infinite

Up to 10%

Discount at Expedia & Shopee

Unlimited Cashback on All Other Spend

Unlimited

Cash Rebate cap

Online Promotion: Apply now and get up to S$150 Cash Credit!Valid till 31 Dec 2019.

Up to 10%

Discount at Expedia & Shopee

Unlimited Cashback on All Other Spend

Unlimited

Cash Rebate cap

Online Promotion: Apply now and get up to S$150 Cash Credit!Valid till 31 Dec 2019.

More Details

Online Shopping Features

Up to 10% off when you shop at Expedia & Shopee
Up to 15% off when you shop at Zalora with a S$100 min spend

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$0
Supplementary Annual Fee	Free
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$120,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave