Best Online Shopping Credit Cards 2021

Before you hit "check out", make sure that your credit card is giving you rebates or rewards for your online spending. Read More
We found 28 Credit Cards for you!
Sponsored
Citibank logo
MoneySmart Exclusive
No Expiry on Cash Back Earned

Apply & Spend $500 to get EXTRA $88 CASH in addition to an Apple iPad Wi-Fi 64GB (worth $499) or the ErgoTune Chair (worth $399) or $350 Cash. Only with Citi Cash Back & Citi Cashback+ Credit Cards. T&Cs apply.

Valid until 29 Sep 2021 - See more details below
Promotion ends in
Apply Now
Standard Chartered logo
MoneySmart Exclusive
With 3-month Disney+ Subscription
on Foreign Currency Spend
S$1= 10X Points
on All Other Spend
S$1= 1X Point
1 Point = 0.29 Miles
Rewards to Miles Conversion

Bring home an Apple TV 4K 32GB (worth $269) or $270 Cash via PayNow, both with 3-month Disney+ subscription only with Standard Chartered Credit Cards.

Valid until 30 Sep 2021 - See more details below
Promotion ends in
Apply Now
Citibank logo
MoneySmart Exclusive
Earn Points for Online Spending
on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point

Apply & Spend $500 to get EXTRA $88 CASH in addition to an Apple iPad Wi-Fi 64GB (worth $499) or the ErgoTune Chair (worth $399) or $350 Cash. Only with Citi Cash Back & Citi Cashback+ Credit Cards. T&Cs apply.

Valid until 29 Sep 2021 - See more details below
Promotion ends in
Apply Now
HSBC logo
Cashback on Big Expenses
Cash Back
1.5%
Bonus Cash Back
3.5%
Min. Spend
S$0
Apply Now
Citibank logo
Shipping Rebates on Lazada
on Lazada
10X Reward Points
on Dining, Travel, Entertainment & Commute
5X Reward Points
on Lazada
Up to 4 Free Shipping Rebates per Month
Apply Now
DBS logo
Online Promo
Online & Visa Contactless Spend
Cashback on Online & Visa Contactless Spend
Up to 5%
Cashback cap
Up to S$75
Min. Spend per month
S$600
Online Promo:
Get powered up with up to 28% cashback when you apply online for a DBS/POSB Credit Card with the promo code “MORECASH”. Valid till 31 Jan 2022.

Valid until 31 Jan 2022 - See more details below
Apply Now
POSB logo
Online Promo
Earn Cash Rebates that Never Expire
Cash Rebates on groceries and online food delivery
Up to 10%
Cash Rebates on dining and online shopping at selected E-Marketplaces
Up to 8%
Min. Spend per month
No Minimum
Online Promo:
Get powered up with up to 28% cashback when you apply online for a DBS/POSB Credit Card with the promo code “MORECASH”. Valid till 31 Jan 2022.

Valid until 31 Jan 2022 - See more details below
Apply Now
CIMB logo
MoneySmart Exclusive
Cash Back on Beauty & Wellness, Online Shopping, Groceries
10%
Min. spend per month
S$800
Cash Back Cap
S$100

Get a Bosch Food Processor MultiTalent 3 800 W (Worth $269) or $130 Cash via PayNow when you apply and spend on your card!

Valid until 30 Sep 2021 - See more details below
Apply Now
HSBC logo
Earn Points for Everyday Spending
on Online Spend and Contactless Payments
S$1= 10X Points
on All Other Spend
S$1= 1X Point
Redeemable at Isetan, Metro & TANGS
6,500 Points= S$20
Apply Now
OCBC logo
Cash Back on Online Spend
6%
Cash Back Cap per month
S$75
Min. Total Spend per month
S$600
Read More
DBS logo
Online Shopping
on Online Spend
S$5 = 5X Points
on All Other Spend
S$5 = 1X Point
Interest Payment Plans (up to 1 year)
0%
Apply Now
DBS logo
on Online Spend
S$5 = 10X Points
on Overseas Spend
S$5= 3X Points
Interest Payment Plans (up to 1 year)
0%
Apply Now
DBS logo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Apply Now
DBS logo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Apply Now
OCBC logo
on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
with 7,000 OCBC$
S$20 NTUC FairPrice Vouchers
with 1,750 OCBC$
S$5 Zara bill offset
Read More
DBS logo
Cash Back on McDonald’s, Starbucks, Netflix etc.
5%
Spending Cap
S$500
Min. Income
S$0
Apply Now
OCBC logo
on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
with 7,000 OCBC$
S$20 NTUC FairPrice Vouchers
with 1,750 OCBC$
S$5 Zara bill offset
Read More
DBS logo
Frequent Shoppers at Takashimaya
At Takashimaya
S$10 = 2 Taka Points
Additional Takashimaya discount
10%
Cash card top up
S$6
Apply Now
Maybank logo
Online Promo
on Air Tickets, Hotel Bookings at Agoda and Online Spend in Foreign Currency
S$1 = 8X Points
on All Other Spend
S$1 = 1X Point
Redeem for Vouchers at Selected Malls
S$50 = 17,500 Points
Online Promo:
Receive a Garmin vivomove Style worth S$469 (Valid for the first 2,000 applicants only).  Subsequent Qualifying Applicants will be rewarded with S$100 cash credit to be credited to their activated Eligible Card accounts. Valid till 31st of Oct. TNCs Apply.
Valid until 31 Oct 2021 - See more details below
Apply Now
OCBC logo
on FairPrice Online
Up to 8% Savings
LinkPoints on All Visa Spend outside FairPrice group
0.22%
Min. Spend per month
S$400
Read More

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Online Shopping Credit Cards in Singapore (2021)

Online shopping credit card Earn rate Reward categories
Citibank Lazada Card S$1 = 4 miles Lazada (excluding RedMart)
Citibank Rewards Card S$1 = 4 miles Online shopping (excl. travel)
DBS Woman’s World Card S$1 = 4 miles All online spending
OCBC Titanium Card S$1 = 4 miles Major online shopping sites
UOB Preferred Platinum Card S$1 = 4 miles Online shopping (excl. travel)
DBS Live Fresh Card 5% cashback All online spending
Citibank SMRT Card 3% cashback Online shopping (excl. travel)
Standard Chartered Unlimited Cashback Card 1.5% cashback All spending (no cap)
KrisFlyer UOB Card S$1 = 3 miles Online spending (no cap)
HSBC Revolution Card S$1 = 2 miles Online spending (no cap)

Citibank Lazada Card

An obvious choice for loyal Lazada shoppers, the Citi Lazada credit card gives its users free LiveUp membership, shipping rebates, plus a whopping 12X rewards points (4.8 miles per S$1) on Lazada purchases until Feb 2020 (10X thereafter). But it excludes RedMart purchases and most other online shopping.

Citibank Rewards Card

For online shoppers who don’t want to be tied down to a specific site, the Citibank Rewards Card is a better choice. It offers 10X rewards (4 miles per S$1 spent) on all online shopping, including Grab and food delivery apps but excluding travel bookings. Bonus points capped at S$1,000 of online spending a month.

DBS Woman’s World Card

Higher earners and spenders may wish to consider the DBS Woman’s World Card, which has an S$80,000 annual income requirement (and is open to men too). It also offers 10X rewards (or 20 miles per S$5 spent) on a huge range of online shopping and purchases, including travel, capped at S$2,000 a month.

OCBC Titanium Rewards Card

This powerful OCBC rewards card offers generous 10X rewards (4 miles per S$1 spent) on major online retailers like Amazon, Lazada, Qoo10, Taobao and more. The same benefit extends to offline shopping for electronics, kidswear and department stores. 10X rewards are capped at S$12,000 a year.

UOB Preferred Platinum Card

A useful rewards card for all kinds of everyday expenses, the UOB Preferred Platinum Card also offers 10X rewards (20 miles per S$5 spent) for most online purchases, including services. You also get 10X points for contactless payments offline. Capped at S$1,000 a month.

DBS Live Fresh Card

Compared to rewards cards, there are fewer choices when it comes to cashback credit cards for online shopping. One contender is the DBS Live Fresh Card, which offers 5% cash rebate on online spending if you spend at least S$600 a month. Cashback is capped at S$20 a month, so good for up to S$400 of expenses only.

Citibank SMRT Card

The Citibank SMRT Card may be quite a modest cashback card, but it has no minimum spending requirement, which is great if you do not spend a lot. If you spend S$300 in a month, you can get a 3% rebate on online spending (excludes travel); otherwise, it’s 2.7%.

Standard Chartered Unlimited Cashback Card

Most online shopping credit cards have a monthly cap, so for expensive online purchases, shoppers may want to opt for a less restrictive credit card like the Standard Chartered Unlimited Cashback Card. This offers a simple 1.5% cashback on any retail spending, with no cap at all.

KrisFlyer UOB Card

For those who are more interested in chasing miles, an alternative no-cap credit card is the KrisFlyer UOB Card. It lets you earn a very good 3 KrisFlyer miles per S$1 spent on online fashion, food delivery and online travel bookings. In order to get those bonus miles, users also have to spend at least S$500 a year on Singapore Airlines, Scoot or SilkAir.

HSBC Revolution Card

This HSBC rewards credit card gives you 5X rewards points (i.e. 2 miles per S$1 spent) on online shopping, which is not as competitive as some of the other cards on this list. However, there is no cap on the points earned, so it is suitable for those occasional big-ticket online purchases.

background image

Miles, rewards or cashback: Which is best for online shoppers?

Not sure which type of credit card you should choose for online shopping? It all depends on how you like to be rewarded, and your spending habits.
Generally, cashback credit cards are best for regular, consistent spending, such as groceries, petrol, bills and so on. This is because they either have a minimum spending requirement or a cashback cap, or both.
Rewards cards, on the other hand, are more flexible. There is no minimum spending requirement, and you can exchange the rewards points for miles or vouchers once you have accumulated enough. However, most rewards cards have a monthly expenditure cap of S$1,000, so they are not suitable for big spenders.
Air miles cards tend to have less attractive earn rates than rewards cards for online shopping. However, if most of your online spending is on travel bookings, consider miles cards that offer promotional earn rates with partner sites like Agoda, Expedia, etc.

What about credit card online shopping promotions?

Apart from these credit cards’ rebates or rewards structure, you may also want to check if the issuing bank has any good promotional tie-ups with your favourite shopping websites.
For example, each bank has exclusive long-term promotions with Lazada, Shopee and other online marketplaces. Those who shop frequently on such platforms may like to check what sort of discount or promo code that credit card can offer.
Most of these promo codes or vouchers can be combined with your credit card rebates or points, which can double the online shopping discount you finally get.