Best Rewards Credit Cards 2020

These low-hassle credit cards let you collect reward points to exchange for air miles, shopping vouchers and more. read more
We found 22 Credit Cards for you!
Get S$300 Cash via PayNow
Citibank logo
on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point
Apply Now
MoneySmart Exclusive: Get S$300 Cash via PayNow! Applies to new to bank customers. Valid till 29 Feb 2020.
OCBC logo
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
Apply Now
Samsonite T5 Spinner OR S$150 Cash Back
HSBC logo
on Online, Dining and Entertainment
S$1= 5X Points
on All Other Spend
S$1= 1X Point
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles
Apply Now
  • Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!
UOB logo
on One Category
S$5 = 10X UNI$
on All Other Spend
S$5 = 1X UNI$
Rewards to Miles Conversion
1 UNI$ = 2 Miles
Apply Now
OCBC logo
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
Apply Now
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 = 0.5 miles
Apply Now
Maybank logo
on Dining, Retail & Petrol
S$1 = 10X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.5 miles
Waived for each conversion of points to frequent flyer miles
Conversion Fee
Apply Now
Bank of China logo
Local Spend
S$1 = 4.5X Points
Overseas Spend
S$1 = 9X Points
Rewards to Miles Conversion
1 Point = 0.33 Miles
Apply Now
American Express logo
at participating Platinum EXTRA Partners
S$1.60 = 10X Points
on All Other Spend
S$1.60 = 2X Points
Rewards to Miles Conversion
1 Point = 0.55 Miles
Apply Now
Get up to $100 Cashback!
Standard Chartered logo
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 Now
Standard Chartered logo
on All Spend when you open a SCB Current Account
S$1 = 2X Points
on All Other Spend
S$1 = 1X Point
Rewards to Miles Conversion
1 Point = 0.4 Miles
Read More
DBS logo
on Online Spend
S$5 = 5X Points
on All Other Spend
S$5 = 1X Point
Rewards to Miles Conversion
1 Point = 2 Miles
Apply Now
  • Enjoy S$120 cashback
DBS logo
on Online Spend
S$5 = 10X Points
on All Other Spend
S$5= 1X Point
Rewards to Miles Conversion
1 Point = 2 Miles
Apply Now
  • Enjoy S$120 cashback
Citibank logo
on Lazada (Valid till 29 Feb 2020)
12X Reward Points
on Dining, Travel, Entertainment & Commute
5X Reward Points
on Everything else, no cap
1X Reward Points
Apply Now
  • Get S$150 Lazada Vouchers + 1 year LiveUp Membership (worth S$59.90)
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
American Express logo
for first S$16,000 spent at participating Platinum EXTRA Partners
S$1.60 = 20 Points
on All Other Spend
S$1 .60 = 2 Points
on Membership Rewards Points
No Expiry Date
Apply Now
DBS logo
on All Local Visa Contactless purchases
S$5 = 3X Points
on All Other Spend
S$5 = 1X Points
Rewards to Miles Conversion
1 Point = 2 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
Maybank logo
when Man. United wins Premier League
S$1 = 5X Points
on ALL spend
S$1 = 1X Point
Min. spend per month
0%
Apply Now
Bank of China logo
Reward points for every $1 spent overseas
S$1 = 2X Points
Rewards Point for every $1 spent locally
S$1 = 1X Point
Rewards to Miles Conversion
1 Point = 0.16 Miles
Apply Now
DBS logo
at Takashimaya Department Store & Takashimaya Square, B2
S$10 = 2 Taka Points
on All Other Spend at Selected Stores
S$10 = 2 Taka Points
converted from 100 Taka Points
S$30 Vouchers
Apply Now
UOB logo
on Online Shopping, Entertainment & Contactless Payments
S$5 = 10X UNI$
on All Other Spend
S$5 = 1X UNI$
Rewards to Miles Conversion
1 UNI$ = 2 Miles
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 (2020)

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

Citibank rewards credit card

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. Citi Rewards Card : Citi Rewards Card offers 10X rewards on all online shopping and retail shopping on shoes, bags and clothes. Purchases from department stores are also included. The online shopping category that has been added in 2019 is a great addition, making it a card suitable for everyday spending. Do note the max of $1,000 per month.

UOB rewards credit cards

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. UOB Lady’s Card : Between the two UOB rewards credit cards, the pretty UOB Lady’s Card allows you to accumulate UNI$ faster. This is because you can choose 1 out of 7 spend categories to earn 10X UNI$, which translates to $1 = 4 air miles. Available spend categories are Beauty & Wellness, Fashion, Family (including groceries), Transport (Petrol), Entertainment, Dining and Travel, which means that if you can identify the category that you spend the most in, you can get collect your points pretty quickly. This category can be changed every quarter. The monthly cap is $1,000.

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!