Best Rewards Credit Cards 2024

These low-hassle credit cards let you collect reward points to exchange for air miles, shopping vouchers and more. Read More
We found 33 Credit Cards for you!
UOB logo
MoneySmart Exclusive
AMAZING APRIL PROMOTION
Promotion ends in
on up to One Rewards Category
S$5 = Up to 9X UNI$ (equivalent to 3.6 miles per S$1)
on All Other Spend
S$5 = 1X UNI$ (or 2 miles)
Rewards to Miles Conversion, no min. spend
1 UNI$ = 2 Miles

[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Apple 11-inch iPad Pro, 128GB (worth S$1,272.30) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
 
PLUS get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.

Valid until 14 Apr 2024 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
on Online & Shopping Purchases
S$1= 10X Points
on all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles

[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
Earn up to 10X Rewards Points
on Foreign Currency Spend
S$1= 10X Points
on Local Dining Spend
S$1= 5X Points
on All Other Spend
S$1= 1X Point

Get a Sony LinkBuds S Earbuds (worth S$309) or a Lenovo Tab M10 Gen 3 (worth S$299.01) or up to S$230 Cash via PayNow when you apply and meet the relevant spend criteria! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Earn up to 4 miles per S$1 | Instant Activation*
on Online Spend and Contactless Payments
S$1 = 10X Points
on All Other Spend
S$1 = 1X Point
Points to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or a Lenovo Tab M10 Gen 3 (worth S$299.01) when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month. T&Cs apply.

Valid until 14 Apr 2024 - See more details below
Apply Now
American Express logo
MoneySmart Exclusive
Earn Membership Rewards Points that never expire
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
New American Express cardholders can receive a complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590) on top of the welcome offer with annual fee payment.

New and Existing cardholder can get up to 135,000 Membership Rewards® points
(sufficient for a Return Trip to USA West Coast*) by paying the annual fee and spending a minimum of S$6,000 within the first 2 months of card approval. T&Cs apply.
Valid until 30 Apr 2024 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Cash Back on Groceries, Petrol & Private Commute
Up to 8%
Total Cash Back Cap, per month
S$80
at Shell & Esso
Up to 20.88% savings

[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
Up to 6% Cashback
Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.
6%*
Annual Fee
S$0
Minimum Spend
S$0

Get a Sony LinkBuds S Earbuds (worth S$309) or a Lenovo Tab M10 Gen 3 (worth S$299.01) or up to S$230 Cash via PayNow when you apply and meet the relevant spend criteria! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
American Express logo
MoneySmart Exclusive
Earn Membership Rewards Points that never expire
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
New to American Express cardholders can get S$400 eCapitaVouchers from AMEX when you pay the card's annual fee and spend a min. of S$1,000 within first month of card approval.

Existing cardholders can get up to 58,750 Membership Rewards® points from AMEX when you pay the card's annual fee and spend a min. of S$1,000 within first month of card approval.

Additionally, earn 1,250 Membership Rewards® points based on the S$1,000 spent above. T&Cs apply.
Valid until 30 Apr 2024 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Earn up to 5% Cash Rebate | Instant Activation*
Cash Back on Dining, Groceries, Petrol
5%
Cash Rebate Cap per quarter
S$250
Min. spend monthly in a calendar quarter
S$600

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or a Lenovo Tab M10 Gen 3 (worth S$299.01) when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month. T&Cs apply.

Valid until 14 Apr 2024 - See more details below
Apply Now
HSBC logo
Local Spend
S$1 = Up to 1.25 Miles
Overseas Spend
S$1 = Up to 2.25 Miles
for personalized assistance
Dedicated Concierge Service
Apply Now
Maybank logo
on Air Tickets and Foreign Currency Spend
S$1 = 7X Points
on Dining, Petrol, Groceries, Taxi, Hotel Bookings
S$1 = 3X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles
Apply Now
DBS logo
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.3 Miles
Overseas Spend (made in foreign currency)
S$1 = 2.2 Miles
On Travel Spend at Expedia & Kaligo
S$1 = Up to 10 Miles
Online Promo:
Get up to 53,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$3,000 within 60 days from card approval date. T&Cs apply
Valid until 19 May 2024 - See more details below
Apply Now
DBS logo
Online Promo
at yuu merchants, with no min. spend and no cap
S$1 = 10X yuu Points
when you spend S$600 Qualifying Spend at yuu merchants in a calendar month
Additional bonus 26X yuu Points
on all other spend
S$1 = 1X yuu Point
Online Promo:
New Cardmembers can get S$388 cashback when you successfully apply for a DBS yuu Visa Card and make a min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 May 2024 - See more details below
Apply Now
DBS logo
Online Promo
at yuu merchants, with no min. spend and no cap
S$1 = 10X yuu Points
when you spend S$600 Qualifying Spend at yuu merchants in a calendar month
Additional bonus 26X yuu Points
on All Other Spend
S$1 = 1X yuu Point
Online Promo:
New Cardmembers can get S$388 cashback when you successfully apply for a DBS yuu American Express Card and make a min. spend of S$800 within 60 days of card approval. T&Cs apply.

Existing Cardmembers can get S$60 cashback when you successfully apply for a DBS yuu American Express Card and make a min. spend of S$300 within 30 days of card approval. T&Cs apply.
Valid until 31 May 2024 - See more details below
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
DBS logo
Online Shopping
on Online Purchases
S$5 = 5 DBS Points (2 Miles per S$1)
on All Other Purchases
S$5 = 1 DBS Point (0.4 Miles per S$1)
Rewards to Miles Conversion
1 Point = 2 Miles
Apply Now
OCBC logo
Earn up to 4 miles per S$1 spent
on Eligible Local and Overseas Spend
S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)
on All Other Spend
S$1 = 1 OCBC$
Rewards to Miles Conversion
10 OCBC$ = 4 Miles
Read More
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
American Express logo
Online Promo
Ideal for frequent small business travellers
per S$1 spent on eligible Singapore Airlines and Scoot flights
Earn up to 8.5 HighFlyer Points
per S$1 spent on all eligible purchases (worth 1.8 KrisFlyer miles)
Earn 1.8 HighFlyer Points
worth S$418 offering a free night's stay every year
Complimentary Accor Plus Membership
Online Promo:
Welcome Offer 1: Get up to 68,000 HighFlyer points (worth S$647) from AMEX when you apply, pay the card's annual fee and spend a min. of $6,000 within first 3 months of card approval.

OR

Welcome Offer 2:
Receive a Samsonite Choca Spinner 68/25 Luggage (worth S$700) AND 10,800 HighFlyer points (worth S$102) from Amex when you apply and spend S$6,000 in the first 3 months of card approval. T&Cs apply.
Valid until 29 May 2024 - See more details below
Apply Now
DBS logo
on Online Purchases
S$5 = 10 DBS Points (equivalent to 4 Miles per S$1)
on Overseas Purchases
S$5 = 3 DBS Points (equivalent to 1.2 Miles per S$1)
Rewards to Miles Conversion
S$5 = 1 DBS Point (equivalent to 0.4 Miles per S$1)
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 (2024)

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$) for air miles, vouchers, or even cash back.
Attractive rewards from UOB’s rewards catalogue include dining vouchers for Sushi Tei, Soup Restaurant and Les Amis Group and shopping vouchers at Capitaland Malls, 313@Somerset and Mandarin Gallery.
To start earning your UNI$, 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!