Best Rewards Credit Cards 2018

Updated December 2018

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
Excellent
HSBC Revolution Credit Card
Excellent

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

MoneySmart Exclusive: Get 6,000 Miles or 15,000 Points when you apply via MoneySmart
  • Enjoy over 1,000 1-for-1 deals through ENTERTAINER with HSBC

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
Excellent
American Express Platinum Credit Card
Excellent

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

  • Get S$20 NTUC Vouchers

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
OCBC Titanium Rewards Card
Excellent
OCBC Titanium Rewards Card
Excellent

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 World Mastercard
Excellent
Maybank World Mastercard
Excellent

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 a Samsonite Orfeo 69cm Spinner (worth S$420)

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®
Excellent
BOC Elite Miles World Mastercard®
Excellent

S$1 = 6X Points

Local Spend

S$1 = 15X Points

Overseas Spend

1 Point = 0.33 Miles

Rewards to Miles Conversion

  • Earn up to 5 Miles per $1 spent
  • Win return ticket to Bangkok with Singapore Airlines

Rewards Features

  • Local Spend: S$1 = 2 Miles (6 BOC Points)
  • Overseas Spend: S$1 = 5 miles (15 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
  • Promotional rates are valid from 23 July - 31 Dec 2018; applications have to be approved by 15 Dec 2018

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®
Very Good
American Express The Platinum Card®
Very Good

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

  • 75,000 Membership Rewards® Points
  • Enjoy Over S$1,200 Worth of Complimentary Hotel Stays And Credits

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
Very Good
Standard Chartered Rewards+ Credit Card
Very Good

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

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab
  • +2 more

Other Promotions

  • Up to 50% off dining at The Fullerton Hotel
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

Rewards Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Rewards+ Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Application Reference Number on the Thank You Page upon completion on or before 31 Dec 2018 for your S$50 Cash Gift. Full T&Cs here
  • 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 Rate25.90%
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
Very Good
Standard Chartered Platinum Visa/MasterCard Credit Card
Very Good

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

  • Get S$150 in Prime Now Credits or up to S$100 cashback
  • 5% cashback on all eligible spend
  • +1 more

Other Promotions

  • Get 15% cashback with Grab

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 Rate25.90%
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
Very Good
HSBC Visa Infinite Credit Card
Very Good

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

Rewards Features

  • 10X HSBC Rewards points at selected designer boutiques, including Max Mara, Y-3, TUMI, Dsquared2, and Bang & Olufsen

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
Very Good
DBS Woman's Card
Very Good

S$5 = 5X Points

on Online Spend

S$5 = 1X Point

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Rewards Features

  • Earn 5X Rewards (5 DBS Points OR 10 miles per S$5 spend) on online spend
  • Enjoy 15% off on medical packages at Global Health and Travel
  • Enjoy 15% off food bill at Lantern, The Lighthouse, The Clifford Pier, and more
  • Enjoy up to 20% off at participating attractions, dining outlets, hotels and spas at Sentosa

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$161
Supplementary Annual Fee80.25
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 AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
DBS Woman's World Card
Very Good
DBS Woman's World Card
Very Good

S$5 = 10X Points

on Online Spend

S$5= 1X Point

on All Other Spend

1 Point = 2 Miles

Rewards to Miles Conversion

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Rewards Features

  • Earn 10X Rewards (10 DBS Points OR 20 miles per S$5 spend) on online spend
  • Earn 3X Rewards (3 DBS Points OR 6 miles per S$5 spend) on overseas spend
  • Enjoy 2 complimentary visits for you and a friend to selected True Fitness and True Yoga centres every month
  • 12 month membership sign up perks at True Fitness & True Yoga Centres: i) Joining fee waiver (worth S$200), ii) 1 month membership for a friend (worth S$210), iii) Personal Training Session (only at True Fitness)

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 Period20 days

Minimum Income Requirements

Singaporean$80,000
Foreigner$80,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
UOB Lady's Card
Satisfactory
UOB Lady's Card
Satisfactory

S$5 = 5X UNI$

on Overseas & Online Shopping and Taxi

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

  • Get up to $170 cash credit when you apply online and for the One Account

Rewards Features

  • 5X UNI$ on your shopping and taxi rides
  • 1 UNI$ = S$5 on all other spend
  • Min. spend of S$3,000 in a statement cycle, accelerated rewards cap at UNI$4,000 each cycle

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
DBS Black Visa Card
Satisfactory
DBS Black Visa Card
Satisfactory

S$5 = 3X Points

on All Local Visa PayWave purchases

S$5 = 1X Points

on All Other Spend

1 Point = 3 Miles

Rewards to Miles Conversion

  • Get 6% Cashback on Dining, Groceries, or Shopping
  • Win a pair of SQ Suites return tickets to one of these 5 locations

Rewards Features

  • 3X DBS Points per S$5 spent on all local Visa payWave purchases
  • 1X DBS Point per S$5 spent on all other purchases

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 Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
Bank of China Zaobao Credit Card
Satisfactory
Bank of China Zaobao Credit Card
Satisfactory

S$1 = 2X Points

Reward points for every $1 spent overseas

S$1 = 1X Point

Rewards Point for every $1 spent locally

1 Point = 0.16 Miles

Rewards to Miles Conversion

Rewards Features

  • 2x Reward Points for every S$1 spent overseas (excluding transactions in RMB)
  • 1x Reward Points for every S$1 spent locally

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 AssociationUnionPay
Wireless PaymentN/A
DBS Takashimaya American Express Card
Satisfactory
DBS Takashimaya American Express Card
Satisfactory

S$10 = 2 Taka Points

at Takashimaya Department Store & Takashimaya Square, B2

S$10 = 2 Taka Points

on All Other Spend at Selected Stores

S$30 Vouchers

converted from 100 Taka Points

Rewards Features

  • S$5 = 1 DBS Point
  • 2 Takashimaya Bonus Points = S$10
  • Get a $30 Takashimaya Voucher with 100 points ($500 spend)
  • Get 1 GV Movie Ticket for 750 DBS points

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 Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
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