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 31 Credit Cards for you!
Citi Rewards Card
MoneySmart Exclusive
UPSIZED CASH | FASTER FULFILMENT
on Online & Shopping Purchases
S$1= 10X Points
on all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles

Get UPSIZED S$370 Cash or 5,040 SmartPoints  in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).

Valid until 20 Dec 2024 - See more details below
Apply Now
UOB Lady's Card
MoneySmart Exclusive
Up to 10 Miles per S$1 spent
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

[MoneySmart x UOB CHRISTMAS GIVEAWAY]
The first 100 customers can get an Apple Watch SE 40mm (GPS) (worth S$349), the next 100 customers can get an Apple AirPods 4 Noise Cancellation (worth S$249) and the remaining customers can get S$50 Cash when you spend a min of S$1,000 in Eligible Transactions! T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!

Valid until 15 Dec 2024 - See more details below
Apply Now
Standard Chartered Rewards+ Credit Card
MoneySmart Exclusive
Earn up to 10X Rewards Points
Promotion ends in
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 S$230 Cash via PayNow or 2,990 SmartPoints when meet the spend criteria. T&Cs apply
 
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).
 
PLUS stand a chance to win a Porsche Taycan Base (model year 2025) in SC Million Reasons to be Happier! T&Cs apply.

Valid until 15 Dec 2024 - See more details below
Apply Now
American Express The Platinum Card®
Online Promo
Membership Benefits worth more than S$8,000!
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:
Receive S$800 Statement Credits and a Samsonite Choca Spinner 68/25 (worth S$700) with annual fee payment and min. spending of S$8,000 within first 6 months of Card approval + earn 10,000 Membership Rewards® points with the S$8,000 spent. T&Cs apply.
Valid until 15 Jan 2025 - See more details below
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
UPSIZED CASH | FASTER FULFILMENT
Cash Back on Groceries, Petrol & Private Commute
Up to 8%
Total Cash Back Cap, per month
S$80
at Caltex, Shell & Esso
Up to 23.64% savings

Get UPSIZED S$370 Cash or 5,040 SmartPoints  in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).

Valid until 20 Dec 2024 - See more details below
Apply Now
Standard Chartered Smart Credit Card
MoneySmart Exclusive
Earn up to 10% Bonus Cashback
on spends above S$1,500 on Bonus Categories
10% Bonus Cashback
on spends above S$800 on Bonus Categories
8% Bonus Cashback
on spends below S$400 on Bonus Categories
4% Bonus Cashback

Get S$230 Cash via PayNow or 2,990 SmartPoints when meet the spend criteria. T&Cs apply
 
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).
 
PLUS stand a chance to win a Porsche Taycan Base (model year 2025) in SC Million Reasons to be Happier! T&Cs apply.

Valid until 15 Dec 2024 - See more details below
Apply Now
American Express Platinum Credit Card
Online Promo
Membership Benefits worth more than S$1,600!
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:
[American Express Welcome Offer]
New to American Express cardholders
can get S$300 Statement Credits when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval.

Existing cardholders can get S$200 Statement Credits 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 15 Jan 2025 - See more details below
Apply Now
HSBC Visa Infinite Credit Card
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 Horizon Visa Signature
Online Promo
on Air Tickets and Foreign Currency Spend
S$1 = 7X Points
on local Shopping, Groceries, Dining, Hotel Bookings
S$1 = 3X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or 10,000 Bonus Air Miles*, or S$200 Cashback when you apply for a new Maybank Credit Card and a CreditAble account, spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 Dec 2024 - See more details below
Apply Now
DBS Altitude Visa Signature Card
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.3 miles
Overseas Spend (made in foreign currency)
S$1 = Up to 5 miles
on Online Travel Bookings
S$1 = Up to 2.2 miles
Online Promo:
Get up to 30,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$800 within 60 days from card approval date. T&Cs apply
Valid until 31 Jan 2025 - See more details below
Apply Now
DBS yuu Visa Card
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$150 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 Jan 2025 - See more details below
Apply Now
DBS yuu American Express® Card
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$150 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 Jan 2025 - See more details below
Apply Now
DBS Woman's Card
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 Rewards Credit Card
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 CapitaCard
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
The American Express® Singapore Airlines Business Credit Card
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:
Get up to 33,000 HighFlyer points upon annual Card fee payment and min. S$3,000 eligible spend within the first 2 months of Card approval. T&Cs apply.
Valid until 15 Jan 2025 - See more details below
Apply Now
DBS Woman's World Card
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
Citi Prestige Card
for every S$1 spent overseas
5 ThankYou Points (2 miles)
for every S$1 spent locally
3.25 ThankYou Points (1.3 miles)
Complimentary Airport Lounge Access
Unlimited
Read More
Maybank World Mastercard
Online Promo
at selected retail, dining merchants and petrol stations
Up to 10X TREATS Points
Rewards to Miles Conversion for Selected Airline Partners
10 Points = 4 miles
for each conversion of points to frequent flyer miles
Conversion Fee Waived
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 Cashback when you apply for a new Maybank Credit Card and a CreditAble account, spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 Dec 2024 - See more details below
Apply Now
Maybank Manchester United Platinum Visa Card
Online Promo
when Man. United win a Premier League match
Earn 5X TREATS Points
when Man. United win a Premier League match
Up to 3% Cashback
on All Spends
1% Unlimited Cashback
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 Cashback when you apply for a new Maybank Credit Card and a CreditAble account, spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 Dec 2024 - 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.

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!