Best Rewards Credit Cards 2023

These low-hassle credit cards let you collect reward points to exchange for air miles, shopping vouchers and more. Read More
We found 32 Credit Cards for you!
Sponsored
Standard Chartered logo
MoneySmart Exclusive
LUCKY DRAW | FLASH DEAL | Faster Gift Redemption
Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.
6%*
Annual Fee
S$0
Minimum Spend
S$0

[FLASH DEAL]
Apply and Spend S$500 to get 
EXTRA S$50 Cash (daily for first 60 successful applicants). Receive S$330 Cash via PayNow or Apple Watch SE (worth S$382.50) or ErgoTune Classic Ergonomic Chair (worth S$399).
Get a S$20 Cash Bonus by placing your Credit Card on file and making a minimum spend with selected merchants. PLUS, stand a chance to win a ROLEX or PlayStation 5! T&Cs apply.

Valid until 31 Mar 2023 - See more details below
Promotion ends in
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American Express logo
MoneySmart Exclusive
for every S$1.60 spent
Earn 2 Membership Rewards®
for every S$1.60 spent with 10Xcelerator by Membership Rewards®
Earn 20 Membership Rewards® points
on Membership Rewards® Points
No Expiry Date
Get up to 61,250 worth of Membership Rewards® points from Amex when you apply. Min. spends of S$3,000 within first month of card approval and payable annual fee required. T&Cs Apply.
Valid until 03 Apr 2023 - See more details below
Promotion ends in
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Standard Chartered logo
MoneySmart Exclusive
Faster Gift Redemption
on Foreign Currency Spend
S$1= 10X Points
on Local Dining Spend
S$1= 5X Points
Rewards to Miles Conversion
1 Point = 0.29 Miles

Apply and spend S$250 to get S$250 Cash via PayNow or an Apple Airpods 3rd Generation (worth $271.50). T&Cs apply.

Valid until 31 Mar 2023 - See more details below
Promotion ends in
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American Express logo
MoneySmart Exclusive
for every full S$1.60 spend at participating Platinum 10Xcelerator Partners
10 Membership Rewards Points
for every full S$1.60 spend on All Other Spend
2 Membership Rewards Points
Rewards to Miles Conversion
1 Point = 0.55 Miles

Get the Apple AirPods 3rd Generation (worth S$261.40) OR S$250 eCapitaVouchers OR $200 Cash via PayNow when you apply, spend and complete annual fee payment! T&Cs apply.

Valid until 31 Mar 2023 - See more details below
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HSBC logo
Online Promo
Cashback for Family Spending
Cash Back on Dining, Groceries, Petrol
5%
Cash Rebate Cap per quarter
S$250
Min. spend monthly in a calendar quarter
S$600
Online Promo:
Receive Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SGD670) or SGD200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $50 cashback. Min. spends of S$500 upon card approval required. T&Cs apply. 
Valid until 30 Apr 2023 - See more details below
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OCBC logo
Online Promo
on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
with 18,000 OCBC$
S$50 Titanium cash
Rewards to Miles Conversion
10 OCBC$ = 4 Miles
Online Promo:
Get up to S$228 of Cashback when you spend $500 within 30 days of your application approval date. Applicable to new-to-bank cardholders only. T&Cs apply.
Valid until 30 Apr 2023 - See more details below
Apply Now
DBS logo
No limit. No Cap.
S$1 = 1X yuu Point
On your daily spend
up to 30X yuu Points
Points Cap
Unlimited
Read More
OCBC logo
Online Promo
on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
with 18,000 OCBC$
S$50 Titanium cash
Rewards to Miles Conversion
10 OCBC$ = 4 Miles
Online Promo:
Get up to S$228 of Cashback when you spend $500 within 30 days of your application approval date. Applicable to new-to-bank cardholders only. T&Cs apply.
Valid until 30 Apr 2023 - See more details below
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DBS logo
No limit. No Cap.
S$1 = 1X yuu Point
On your daily spend
up to 30X yuu Points
Points Cap
Unlimited
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Maybank logo
on Dining, Petrol, Taxi and Hotel Bookings at Agoda
S$1 = 8X Points
on Air Tickets, Travel Packages and Foreign Currency Spend
S$1 = 5X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 miles
Apply Now
Maybank logo
on all local spend excluding petrol
S$1 = 1 TREATS Point
on all local spend excluding petrol
1 TREATS Point = 1 DUO Point
Min. spend per month
S$0
Apply Now
HSBC logo
Online Promo
Earn Points for Everyday Spending
on Online Spend and Contactless Payments
S$1= 10X Points
on All Other Spend
S$1= 1X Point
Rewards to Miles Conversion for Selected Airline Partners
$1 = 4 Miles
Online Promo:
Receive Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SGD670) or SGD200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $50 cashback. Min. spends of S$500 upon card approval required. T&Cs apply. 
Valid until 30 Apr 2023 - See more details below
Apply Now
DBS logo
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Online Promo:
Welcome Gift: Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
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Citibank logo
MoneySmart Exclusive
LUCKY DRAW | Faster Gift Redemption
on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point

Apply and Spend $500 to stand a chance to win a Rolex 124270 or a PlayStation 5!!!. T&Cs apply

Valid until 31 Mar 2023 - See more details below
Apply Now
DBS logo
Online Promo
Online Shopping
on Online Spend
S$5 = 5 DBS Points
on All Other Spend
S$5 = 1 DBS Point
Rewards to Miles Conversion
1 Point = 2 Miles
Online Promo:
Welcome Gift: Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
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UOB logo
Online Promo
on up to Two Category
S$5 = Up to 15X UNI$ (or 30 miles)
on All Other Spend
S$5 = 1X UNI$ (or 2 miles)
Rewards to Miles Conversion, no min. spend
1 UNI$ = 2 Miles
Online Promo:
Get S$350 worth of Grab vouchers AND S$100 Lululemon Gift Vouchers when you are the first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 for 2 consecutive months from their card approval date. T&Cs apply.

PLUS be the first 50 eligible customers to sign up to receive a Limited Edition Silk Twilly exclusively designed by Tiffany Lovage. T&Cs apply. 
Valid until 30 Apr 2023 - See more details below
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American Express logo
for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 monthly
Earn up to 15 STAR$®
at participating Merchants at Heartlands CapitaLand Malls
Earn up to 20 STAR$®
at participating Merchants in CapitaLand Malls in Town
Earn up to 30 STAR$®
Read More
Citibank logo
MoneySmart Exclusive
LUCKY DRAW | Faster Gift Redemption
Cash Back on Dining, Groceries & Petrol
Up to 8%
Total Cash Back Cap, per month
S$80
From Shell & Esso
Up to 20.88% savings

Apply and Spend $500 to stand a chance to win a Rolex 124270 or a PlayStation 5!!!. T&Cs apply

Valid until 31 Mar 2023 - See more details below
Apply Now
HSBC logo
at Selected Boutiques & Merchants
S$1 = 10X Points
on All Other Spend
S$1 = 3X Points
Rewards to Miles Conversion
1 Point = 0.4 Miles
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

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 Rewards Credit Cards in Singapore (2021)

Rewards Credit cardBonus rewardsSpending categories
Citibank Rewards Card10X ($1 = 4 miles)Online shopping (excluding travel)
UOB Lady’s Card 10X ($1 = 4 miles) 1 category of your choice (beauty, fashion, dining, family, travel, transport, entertainment)
UOB Preferred Platinum Card 10X ($1 = 4 miles)Online shopping, entertainment + contactless payment
HSBC Revolution Card 5X ($1 = 2 miles) Online spending, dining, entertainment
DBS Woman’s Card 5X ($1 = 2 miles) All online spending including travel
OCBC Titanium Rewards Card 10X ($1 = 4 miles) Major online shopping sites, department stores, fashion, electronics, kidswear
Standard Chartered Rewards+ Card 10X ($1 = 2.9 miles) Foreign currency spending

Citibank credit card rewards

Citibank rewards catalogue has a wide variety, which makes the Citibank Rewards Card one of the more popular ones in Singapore.
The catalogue allows you to redeem watches, toys, hotel stays and various vouchers. You can directly shop on Amazon with reward points too.

UOB credit card rewards

UOB’s attractive credit card catalogue flexibly allows you to redeem your rewards points (called UNI$) for air miles, vouchers, or even cash back.
Attractive rewards from UOB’s rewards catalogue include dining vouchers for Sushi Tei, Soup Restaurant and Les Amis Group and shopping vouchers at Capitaland Malls, [email protected] and Mandarin Gallery.
To start earning your UNI$, you can sign up for either a UOB Lady’s Card or UOB Preferred Platinum Card.

HSBC credit card rewards

HSBC credit card rewards may not be as wide-ranging as other catalogues, but thankfully they include vouchers for some standard Singaporean staples such as Watsons, Starbucks, Capitaland managed malls, Golden Village and Pet Lovers Centre.
It also includes a few premium gifts that you can pamper yourself with after months of hard work collecting points. Some highlights include Suntory Chita Whisky, Zwilling Joy Cookware 4pc Set and Fitbit Charge 3.
Catalogue aside, the most powerful part of HSBC rewards is that they are easily earned, through a wide range of spend categories.

DBS credit card rewards points

DBS rewards is one of the more widely used catalogues in Singapore. It includes shopping and dining vouchers and and you can also use DBS rewards points to redeem air miles.
Compared to the other reward catalogues on this list, it’s quite limited but there some common favourites such as vouchers for NTUC Fairprice, Swensen’s, Popular Bookstore and IKEA.
There must be a running hypothesis that women love rewards because like UOB, DBS also has a DBS Woman’s Card that is a rewards card. Except, for this card, men can apply too!
If you are not a woman, you can go for the DBS Altitude Card, which is an air miles card but also allows you to earn DBS points.

OCBC credit card rewards

OCBC credit card rewards are on the average side. Some usual ones include KrisFlyer miles and shopping vouchers at major retailers, but they do have dining vouchers at many higher end restaurants.

Standard chartered credit card rewards

Standard Chartered’s rewards catalogue looks quite basic as it mostly consists of vouchers at chain restaurants and select malls and department stores.

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Who should use a rewards card?

Rewards cards are the most suitable for people who don’t want to spend too much time tracking expenditure in order to maximise for cashback or air miles.
You simply choose the right rewards card, spend as you would normally and accumulate points to be redeemed for gifts and vouchers at the end of a certain period.
Usually, the rewards are quite wide-ranging. At the very least, every catalogue will allow you to redeem NTUC or Capitaland vouchers, which are basically pseudo-cash for many Singaporeans.
Decided to get one? Just take note of the expenditure cap and any minimum spend and check back once in a while as reward points do expire!