Best Rewards Credit Cards 2019

Updated August 2019

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.

Popular Rewards Credit Cards

HSBC Revolution Credit Card

S$1= 5X Points

on Online, Dining and Entertainment

S$1= 1X Point

on All Other Spend

1 Point = 0.4 Miles

Rewards to Miles Conversion for Selected Airline Partners

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!Valid till 30 Sep 2019.

S$1= 5X Points

on Online, Dining and Entertainment

S$1= 1X Point

on All Other Spend

1 Point = 0.4 Miles

Rewards to Miles Conversion for Selected Airline Partners

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!Valid till 30 Sep 2019.

Rewards Features

  • Receive 2 air miles(or 5X Rewards points) for every dollar spent on Online, Local Dining and Entertainment transactions
  • Every dollar spend is equivalent to 0.4 air miles
  • $1 = 1 Reward point for all other spend
  • No minimum spend and earn as many Rewards points as you like

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$150
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
American Express Platinum Credit Card

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

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

  • $1.60 = 2 Membership points
  • Eligible for use with Apple Pay, Google Pay, Samsung 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 Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$321
Supplementary Annual Fee160.5
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
UOB Lady's Card

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

Rewards Features

  • 10X UNI$ = S$5 (Bonus: 9X UNI$ = S$5) on your chosen rewards category, including: Travel, Dining, Beauty & Wellness, Family, Fashion, Transport and Entertainment
  • 1 UNI$ = S$5 on all other spend
  • Ability to change preferred rewards category every quarter
  • Bonus UNI$ capped at 1,800 UNI$ = $1,000 spent. Subsequent spend will be awarded with 1 UNI$ for every S$5 spent

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
OCBC Titanium Rewards Card (Pink)

S$1 = 10 OCBC$

on Online, Offline, Local and Overseas spend

S$50 Titanium cash

with 18,000 OCBC$

10 OCBC$ = 4 Miles

Rewards to Miles Conversion

S$1 = 10 OCBC$

on Online, Offline, Local and Overseas spend

S$50 Titanium cash

with 18,000 OCBC$

10 OCBC$ = 4 Miles

Rewards to Miles Conversion

Rewards Features

  • 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas
  • Capped at 120,000 OCBC$ within 1 year from month of card issuance

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
Maybank Horizon Visa Signature

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 an American Tourister Linex 66/24 TSA Luggage (worth S$260)!

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

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 Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$180
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay
Maybank World Mastercard

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 an American Tourister Linex 66/24 TSA Luggage (worth S$260)!

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

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 Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$240
Supplementary Annual FeeFree
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$80,000
Foreigner$80,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
BOC Elite Miles World Mastercard®

S$1 = 4.5X Points

Local Spend

S$1 = 9X Points

Overseas Spend

1 Point = 0.33 Miles

Rewards to Miles Conversion

S$1 = 4.5X Points

Local Spend

S$1 = 9X Points

Overseas Spend

1 Point = 0.33 Miles

Rewards to Miles Conversion

Rewards Features

  • Local Spend: S$1 = 1.5 Miles (4.5 BOC Points)
  • Overseas Spend: S$1 = 3 miles (9 BOC Points)
  • BOC Points can be converted to vouchers (e.g. Grab, Petrol, Golden Village, Qoo10, Grocery)
  • No minimum spend and no cap on points earned
  • During application, please input "MS" under Promo code in your online application form

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
American Express The Platinum Card®

S$1.60 = 20 Points

for first S$16,000 spent at participating Platinum EXTRA Partners

S$1 .60 = 2 Points

on All Other Spend

No Expiry Date

on Membership Rewards Points

S$1.60 = 20 Points

for first S$16,000 spent at participating Platinum EXTRA Partners

S$1 .60 = 2 Points

on All Other Spend

No Expiry Date

on Membership Rewards Points

Rewards Features

  • Earn 20 Membership Rewards points per every full S$1.60 spent at Platinum EXTRA partners, capped at S$16,000 spent
  • 10 Membership Rewards points per S$1.60 spent at Platinum EXTRA partners after S$16,000 cap
  • All Membership Rewards points never expire
  • S$1.60 = 2 Membership Rewards points on all other spend

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual Fee$1,712
Supplementary Annual Fee$160.50 (First 2 Supplementary Cards fee permanently waived)
Fee WaiverNot Available
Minimum Monthly RepaymentN/A
Interest Free PeriodN/A

Minimum Income Requirements

Singaporean$200,000
Foreigner$200,000

Other

Card AssociationAmerican Express
Wireless PaymentN/A
Standard Chartered Rewards+ Credit Card

S$1= 10X Points

on Foreign Currency Spend

S$1= 5X Points

on Local Dining Spend

1 Point = 0.29 Miles

Rewards to Miles Conversion

S$1= 10X Points

on Foreign Currency Spend

S$1= 5X Points

on Local Dining Spend

1 Point = 0.29 Miles

Rewards to Miles Conversion

Rewards Features

  • New-To-Bank customers: Get up to S$80 Cashback when you apply for SCB Rewards
  • Existing customers: Get up to S$20 Cashback when you apply for SCB Rewards
  • 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 Rate26.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa Paywave, Apple Pay, Samsung Pay, Google Pay
Standard Chartered Platinum Visa/MasterCard Credit Card

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

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

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 Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Google Pay
HSBC Visa Infinite Credit Card

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

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!Valid till 30 Sep 2019.

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

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!Valid till 30 Sep 2019.

Rewards Features

  • 10X HSBC Rewards points at selected designer boutiques, including TUMI, Max Mara, Bang & Olufsen and more

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$650
Supplementary Annual Fee0.0
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$120,000
Foreigner$120,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
DBS Woman's Card

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

Rewards Features

  • 5X DBS Points (or 10 miles) per S$5 spent online
  • 1X DBS Points (or 2 miles) per S$5 spent on all other purchases

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$161
Supplementary Annual FeeS$80.25
Fee WaiverAvailable
Minimum Monthly Repayment3.00% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMastercard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
DBS Woman's World Card

S$5 = 10X Points

on Online Spend

S$5= 1X Point

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

S$5 = 10X Points

on Online Spend

S$5= 1X Point

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

Rewards Features

  • 10X DBS Points (or 10 miles) per S$5 spent online
  • 3X DBS Points (or 6 miles) per S$5 spent overseas
  • 1X DBS Points (or 2 miles) per S$5 spent on all other purchases

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.3
Fee WaiverAvailable
Minimum Monthly Repayment3.00% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$80,000
Foreigner$80,000

Other

Card Associationmastercard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
DBS Black Visa Card

S$5 = 3X Points

on All Local Visa Contactless purchases

S$5 = 1X Points

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

S$5 = 3X Points

on All Local Visa Contactless purchases

S$5 = 1X Points

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

Rewards Features

  • 3X DBS Points (or 6 miles) per S$5 spent on all local Visa contactless purchases
  • 1X DBS Point (or 2 miles) per S$5 spent on all other purchases

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual Fee$96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa contactless, Apple Pay, Samsung Pay, Google Pay
Maybank DUO Platinum Mastercard

S$1 = 1 TREATS Point

on all local spend excluding petrol

1 TREATS Point = 1 DUO Point

on all local spend excluding petrol

S$0

Min. spend per month

  • Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!

S$1 = 1 TREATS Point

on all local spend excluding petrol

1 TREATS Point = 1 DUO Point

on all local spend excluding petrol

S$0

Min. spend per month

Rewards Features

  • 1 TREATS Point for every S$1 spent on all charges, excluding selected petrol transactions
  • Ability to convert TREATS Points to DUO Points to redeem DUO Rewards
  • 1 DUO Point for every S$1 TREATS Point converted, with no extra charges
  • DUO Points will expire two years after the end of each month in which they are earned

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$120
Supplementary Annual Fee0
Fee WaiverAvailable
Minimum Monthly Repayment3% or minimum S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMastercard
Wireless PaymentMasterCard contactless, Samsung Pay
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