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 35 Credit Cards for you!
Sponsored
DBS logo
Online Promo
Frequent Shoppers at Takashimaya
DBS Points
$5 = 1 Point
Takashimaya Bonus Points
$10 = 2 Points
Takashimaya Vouchers
100 points = $30 Takashimaya Voucher
Online Promo:
Get S$200 cashback (New Cardmembers) or S$80 cashback (Existing Cardmembers) when you successfully apply for any DBS Takashimaya American Express Card and make a min. spend of S$250 within first month from card approval date. T&Cs apply.
Valid until 31 Dec 2023 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
EARN SMARTPOINTS | 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

[SmartRewards | Your Points, Your Choice 🫵🏻]
 
Choose ANY gift at our Rewards Store, including:
 
1. Nintendo Switch Lite (3,090 SmartPoints)
2. Apple AirPods 3rd Gen (2,720 SmartPoints)
 
Or any other combination of gifts, by earning 3,100 SmartPoints.
 
Alternatively, you can also choose to get $250 Cash via PayNow. T&Cs apply.
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 31 Dec 2023 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
EARN SMARTPOINTS OR CASH
on Online & Shopping Purchases
S$1= 10X Points
on all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles

[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice 🫵]
 
Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:
 
1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints)
2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)
3. Nintendo Switch OLED (5,000 SmartPoints)
 
OR any other combination of gifts available in the Rewards Store, by earning 5,100 SmartPoints.
 
Alternatively, you can also choose S$300 Cash via PayNowT&Cs apply
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 17 Dec 2023 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Enjoy Instant Approval* | MoneySmart LUCKY DRAW
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

[MONEYSMART LUCKY DRAW | REFERRAL]
Stand a chance to win an Apple Watch Series 9 (GPS), 41mm (worth S$599) when you successfully apply for an eligible HSBC Credit Card through MoneySmart.
 
Refer friends and family to boost your lucky draw odds. The more you refer, the better your chances! T&Cs apply.
 
Plus get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$150 Cashback from HSBC when you meet the min. spends of S$1,000 upon card approval required and provide marketing consent. T&Cs apply.

Valid until 15 Dec 2023 - See more details below
Apply Now
UOB logo
MoneySmart Exclusive
Get up to 6 Miles per S$1 | LUCKY DRAW
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

[LUCKY DRAW]
Stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
 
PLUS receive up to 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 31 Dec 2023 - See more details below
Apply Now
OCBC logo
MoneySmart Exclusive
Earn up to 4 miles per S$1 spent | LUCKY DRAW
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

[LUCKY DRAW]
Get a Hinomi Q1 Ergonomic Chair (worth S$499) OR a Apple AirPods 3rd Gen (worth S$261.40) OR S$280 Amazon SG Gift Card OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply.
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart! T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 31 Dec 2023 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
EARN SMARTPOINTS | LUCKY DRAW | 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

[SmartRewards | Your Points, Your Choice 🫵🏻]
 
Choose ANY gift at our Rewards Store, including:
 
1. Nintendo Switch Lite (3,090 SmartPoints)
2. Apple AirPods 3rd Gen (2,720 SmartPoints)
 
Or any other combination of gifts, by earning 3,100 SmartPoints.
 
Alternatively, you can also choose to get $250 Cash via PayNow. T&Cs apply.
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 31 Dec 2023 - See more details below
Apply Now
American Express logo
Online Promo
No Expiry on Membership Rewards® Points
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
Online Promo:
New American Express cardholders can get 135,000 Membership Rewards® points (sufficient for a Return Trip to Europe, the USA (West Coast), or Canada*) by paying the annual fee and spending a minimum of S$6,000 within the first 2 months of card approval.

Existing cardholders can get 87,500 Membership Rewards® points (enough for a Return Trip to Japan or South Korea*) 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 28 Feb 2024 - See more details below
Apply Now
American Express logo
Online Promo
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
Online Promo:
New to American Express cardholder can get S$200 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 S$100 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. T&Cs apply.
Valid until 28 Feb 2024 - See more details below
Apply Now
OCBC logo
MoneySmart Exclusive
Earn up to 4 miles per S$1 spent | LUCKY DRAW
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

[LUCKY DRAW]
Get a Hinomi Q1 Ergonomic Chair (worth S$499) OR a Apple AirPods 3rd Gen (worth S$261.40) OR S$280 Amazon SG Gift Card OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply.
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart! T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 31 Dec 2023 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Enjoy Instant Approval* | MoneySmart LUCKY DRAW
Cash Back on Dining, Groceries, Petrol
5%
Cash Rebate Cap per quarter
S$250
Min. spend monthly in a calendar quarter
S$600

[MONEYSMART LUCKY DRAW | REFERRAL]
Stand a chance to win an Apple Watch Series 9 (GPS), 41mm (worth S$599) when you successfully apply for an eligible HSBC Credit Card through MoneySmart.
 
Refer friends and family to boost your lucky draw odds. The more you refer, the better your chances! T&Cs apply.
 
Plus get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$150 Cashback from HSBC when you meet the min. spends of S$1,000 upon card approval required and provide marketing consent. T&Cs apply.

Valid until 15 Dec 2023 - 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
Online Promo
on Air Tickets and Foreign Currency Spend
S$1 = 8X 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
Online Promo:
Get $200 cashback OR an Apple AirPods 3rd Generation (worth S$261.40) OR a pair of American Tourister Linex 66/24 Luggage TSA (worth S$336) when you successfully apply for a Maybank Credit Card AND a CreditAble account, and spend a min. of S$600 on Eligible Transactions each month for 2 consecutive months from card approval date. T&Cs apply.
Valid until 31 Dec 2023 - See more details below
Apply Now
DBS logo
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.3 Miles
Overseas Spend
S$1 = 2.2 Miles
On Travel Spend at Expedia & Kaligo
S$1 = Up to 10 Miles
Online Promo:
Get up to 37,000 miles when you apply and charge the min. spend of S$2,000 within 30 days from card approval date. T&Cs apply. Valid till 31 Jan 2024. 
Valid until 31 Jan 2024 - See more details below
Apply Now
DBS logo
Online Promo
No limit. No Cap.
S$1 = 1X yuu Point
On your daily spend
up to 30X yuu Points
Points Cap
Unlimited
Online Promo:
Get S$150 cashback (New Cardmembers) or up to S$60 cashback (Existing Cardmembers) when you successfully apply for any DBS yuu Card and make a min. spend of S$300 within 30 days of card approval. T&Cs apply.
Valid until 29 Feb 2024 - See more details below
Apply Now
DBS logo
Online Promo
No limit. No Cap.
S$1 = 1X yuu Point
On your daily spend
up to 30X yuu Points
Points Cap
Unlimited
Online Promo:
Get S$150 cashback (New Cardmembers) or up to S$60 cashback (Existing Cardmembers) when you successfully apply for any DBS yuu Card and make a min. spend of S$300 within 30 days of card approval. T&Cs apply.
Valid until 29 Feb 2024 - See more details below
Apply Now
Maybank logo
Online Promo
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
Online Promo:
Get $200 cashback OR an Apple AirPods 3rd Generation (worth S$261.40) OR a pair of American Tourister Linex 66/24 Luggage TSA (worth S$336) when you successfully apply for a Maybank Credit Card AND a CreditAble account, and spend a min. of S$600 on Eligible Transactions each month for 2 consecutive months from card approval date. T&Cs apply.
Valid until 31 Dec 2023 - See more details below
Apply Now
DBS logo
Online Promo
Online Shopping
on Online Spend
S$5 = 5 DBS Points (2 Miles per S$1)
on All Other Spend
S$5 = 1 DBS Point (0.4 Miles per S$1)
Rewards to Miles Conversion
1 Point = 2 Miles
Online Promo:
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 31 Jan 2024 - See more details below
Apply Now
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
EARN SMARTPOINTS OR CASH
Cash Back on Dining, Groceries & Petrol
Up to 8%
Total Cash Back Cap, per month
S$80
at Shell & Esso
Up to 20.88% savings

[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice 🫵]
 
Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:
 
1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints)
2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)
3. Nintendo Switch OLED (5,000 SmartPoints)
 
OR any other combination of gifts available in the Rewards Store, by earning 5,100 SmartPoints.
 
Alternatively, you can also choose S$300 Cash via PayNowT&Cs apply
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 17 Dec 2023 - See more details below
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$) for air miles, vouchers, or even cash back.
Attractive rewards from UOB’s rewards catalogue include dining vouchers for Sushi Tei, Soup Restaurant and Les Amis Group and shopping vouchers at Capitaland Malls, 313@Somerset and Mandarin Gallery.
To start earning your UNI$, 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!