Best Rewards Credit Cards 2018

Updated May 2018

Earn reward points as you spend! Redeem your points for shopping or dining vouchers, movie tickets and more. Compare the best rewards credit cards in Singapore to find what suits your lifestyle needs.

Other Rewards Cards
Listing image image american express capita credit card 2x
Excellent
American Express CapitaCard
Excellent

S$1= 10X STAR$

at Participating Merchants at CapitaLand Malls

S$1 = 5 STAR$

on All Other Spend

S$50 CapitaVoucher

converted from 50,000 STAR$

Rewards Features

  • Apply through MoneySmart from 16 May - 31 May 2018 to get S$100 worth of Grab OR CapitaLand Vouchers. Application must be approved by 14 Jun 2018. Submit your (i)Contact Details and (ii)14-digit Reference Number on the Thank You Page upon completion at this link before 19 April 2018. T&Cs
  • S$1 = 5 STAR$ on all spend
  • S$1 = 10 STAR$ at CapitaLand Malls on eligible purchases
  • All STAR$ earned are credited directly into your CAPITASTAR account, capped at S$1,200 per calendar month
  • 5,000 STAR$ = S$5 CapitaVoucher / 10,000 STAR$ = S$10 CapitaVoucher / 50,000 STAR$ = S$50 CapitaVoucher

Annual Rates

Principle Annual Fee
$171
Supplementary Annual Fee
85.6
Fee Waiver
1 year fee waiver and perpetual fee waiver for first 2 Supplementary cards
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$60,000
Listing american express platinum credit card 2x
Excellent
American Express Platinum Credit Card
Excellent

S$1.60 = 10X Points

at participating Platinum EXTRA Partners

S$1.60 = 2X Points

on All Other Spend

1 Point = 0.55 Miles

Rewards to Miles Conversion

Rewards Features

  • Apply through MoneySmart from 16 May - 31 May 2018 to get S$100 worth of Grab OR CapitaLand Vouchers. Application must be approved by 14 Jun 2018. Submit your (i)Contact Details and (ii)14-digit Reference Number on the Thank You Page upon completion at this link before 19 April 2018. T&Cs
  • $1.60 = 2 Membership points
  • Eligible for use with Apple Pay
  • Earn a total of 10 Membership points for every S$1.60 spent at Platinum EXTRA Partner like Lee Hwa Jewellery, The Hour Glass and Watches of Switzerland
  • No expiry for Membership points
  • Redeem points from over 200 rewards in the Membership Rewards Catalogue, ranging from fine-dining, fashion to electronics

Annual Rates

Principle Annual Fee
$321
Supplementary Annual Fee
160.5
Fee Waiver
Perpetual fee waiver for first 2 supplementary cards
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$50,000
Non-Singaporean Minimum Income
$60,000
Listing maybank horizon signature optimised
Excellent
Maybank Horizon Visa Signature
Excellent

S$1 = 8X Points

on Dining, Petrol, Taxi and Hotel Bookings at Agoda

S$1 = 5X Points

on Air Tickets, Travel Packages and Foreign Currency Spend

1 Point = 0.5 miles

Rewards to Miles Conversion for Selected Airline Partners

  • Get a Samsonite Orfeo 69cm Spinner (worth S$420)

Rewards Features

  • Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
  • Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions
  • Minimum spend: S$300/month
  • Capped at 30,000 Bonus TREATS Points per month
  • 1X TREAT Point with no minimum spend amount
  • Complimentary lounge access with minimum spend of S$400
  • Complimentary Travel Insurance up to S$1,000,000

Annual Rates

Principle Annual Fee
$180
Supplementary Annual Fee
Complimentary
Fee Waiver
Waived with min. spend of S$18,000 p.a.
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$50,000
Non-Singaporean Minimum Income
$60,000
Listing maybank world mastercard gold optimised
Excellent
Maybank World Mastercard
Excellent

S$1 = 10X Points

on Dining, Retail & Petrol

1 Point = 0.5 miles

Rewards to Miles Conversion for Selected Airline Partners

Conversion Fee

Waived for each conversion of points to frequent flyer miles

  • Get a Samsonite Orfeo 69cm Spinner (worth S$420)

Rewards Features

  • Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on selected dining and retail merchants and all petrol stations
  • Earn 1X Rewards for every S$1 spent on all other retail purchases
  • TREATS Points never expire
  • Redeem points at 50% off the usual TREATS Points during your birthday month

Annual Rates

Principle Annual Fee
$240
Supplementary Annual Fee
Free
Fee Waiver
1 year fee waiver; subsequent years waived with total minimum spend of S$24,000 per annum
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$80,000
Non-Singaporean Minimum Income
$80,000
Listing image woman 2x
Very Good
DBS Woman's Card
Very Good

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

1 Point = 3 Miles

Rewards to Miles Conversion

  • Win a pair of SQ Suites return tickets to one of these 5 locations
  • Win an all-expense paid trip for two to NYC

Rewards Features

  • Earn 5X Rewards (5 DBS Points OR 10 miles per S$5 spend) on online spend
  • Enjoy 15% off on medical packages at Global Health and Travel
  • Enjoy 15% off food bill at Lantern, The Lighthouse, The Clifford Pier, and more
  • Enjoy up to 20% off at participating attractions, dining outlets, hotels and spas at Sentosa

Annual Rates

Principle Annual Fee
$161
Supplementary Annual Fee
80.25
Fee Waiver
1 year fee waiver, subsequent years waived with a minimum spend of S$15,000 p.a.
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$45,000
Listing image woman s world 2x
Very Good
DBS Woman's World Card
Very Good

S$5 = 10X Points

on Online Spend

S$5= 1X Point

on All Other Spend

1 Point = 3 Miles

Rewards to Miles Conversion

  • Win a pair of SQ Suites return tickets to one of these 5 locations
  • Win an all-expense paid trip for two to NYC

Rewards Features

  • Earn 10X Rewards (10 DBS Points OR 20 miles per S$5 spend) on online spend
  • Earn 3X Rewards (3 DBS Points OR 6 miles per S$5 spend) on overseas spend
  • Enjoy 2 complimentary visits for you and a friend to selected True Fitness and True Yoga centres every month
  • 12 month membership sign up perks at True Fitness & True Yoga Centres: i) Joining fee waiver (worth S$200), ii) 1 month membership for a friend (worth S$210), iii) Personal Training Session (only at True Fitness)

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver, subsequent years waived with min. spend of $25,000 p.a.
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$80,000
Non-Singaporean Minimum Income
$80,000
Listing image standard chartered platinum visa mastercard credit card 2x
Very Good
Standard Chartered Platinum Visa/MasterCard Credit Card
Very Good

S$1 = 2X Points

on All Spend when you open a SCB Current Account

S$1 = 1X Point

on All Other Spend

1 Point = 0.4 Miles

Rewards to Miles Conversion

  • Get up to S$120 cashback when you sign up

Rewards Features

  • $1 = 1X point
  • $1 = 2X points (at least $1,000 spend per month) on all spend when you open a Standard Chartered Current Account
  • Exclusive dining, shopping and travel privileges with The Good Life®

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
N/A
Fee Waiver
3 years fee waiver
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$60,000
Listing ocbc robinsons 2x
Very Good
OCBC Robinsons Group Credit Card
Very Good

S$2 = 3 Robs$

on Overseas Spend

S$2 = 1 Robs$

on All Other Spend

S$30 Vouchers

converted from 4,800 Robs$

Rewards Features

  • $2 = 1 Robs$ (outside Robinsons Group of stores), S$2 spent overseas = 3 Robs
  • $200 Robs$ = S$1 off, 4,800 Robs$ = S$30 off. Receive a 25% Robinsons bonus discount letter with min. spend $500 at Robinsons, Marks & Spencer

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver
Annual Interest Rate
25.92%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$45,000
Listing image hsbc infinite 2x
Satisfactory
HSBC Visa Infinite Credit Card
Satisfactory

S$1 = 10X Points

at Selected Boutiques & Merchants

S$1 = 3X Points

on All Other Spend

1 Point = 0.4 Miles

Rewards to Miles Conversion

Rewards Features

  • 10X HSBC Rewards points at selected designer boutiques, including Max Mara, Y-3, TUMI, Dsquared2, and Bang & Olufsen

Annual Rates

Principle Annual Fee
$650
Supplementary Annual Fee
0.0
Fee Waiver
Annual programme fee applies
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$120,000
Non-Singaporean Minimum Income
$120,000
Listing credit cards 849  2x
Satisfactory
UOB Lady's Card
Satisfactory

S$5 = 5X UNI$

on Overseas & Online Shopping and Taxi

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

  • Get S$80 cash credit when you apply online

Rewards Features

  • 5X UNI$ on your shopping and taxi rides
  • 1 UNI$ = S$5 on all other spend
  • Min. spend of S$3,000 in a statement cycle, accelerated rewards cap at UNI$4,000 each cycle

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
Listing dbs black visa card 2x
Satisfactory
DBS Black Visa Card
Satisfactory

S$5 = 3X Points

on All Local Visa PayWave purchases

S$5 = 1X Points

on All Other Spend

1 Point = 3 Miles

Rewards to Miles Conversion

  • Win an all-expense paid trip for two to NYC
  • Win a pair of SQ Suites return tickets to one of these 5 locations
  • +1 more

Other Promotions

  • Get up to S$200 Cashback

Rewards Features

  • 3X DBS Points per S$5 spent on all local Visa payWave purchases
  • 1X DBS Point per S$5 spent on all other purchases

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$45,000
Listing dbs takashimaya platinum american express card 2 2x
Satisfactory
DBS Takashimaya American Express Card
Satisfactory

S$10 = 2 Taka Points

at Takashimaya Department Store & Takashimaya Square, B2

S$10 = 2 Taka Points

on All Other Spend at Selected Stores

S$30 Vouchers

converted from 100 Taka Points

Rewards Features

  • S$5 = 1 DBS Point
  • 2 Takashimaya Bonus Points = S$10
  • Get a $30 Takashimaya Voucher with 100 points ($500 spend)
  • Get 1 GV Movie Ticket for 750 DBS points

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver, subsequent years waived with min. spend of $6,000 p.a.
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$45,000
Listing uob preferred platinum 2x
Satisfactory
UOB Preferred Platinum Visa Card
Satisfactory

S$5 = 10X UNI$

on Online Shopping, Entertainment & Contactless Payments

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

Rewards Features

  • $5 = UNI$1
  • Earn rewards faster with 10X UNI$ when you make online purchases
  • Be rewarded 10X UNI$ every time you pay using Visa payWave

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver for Principal and second Supplementary card, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
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