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 34 Credit Cards for you!
Sponsored
American Express The Platinum Card®
MoneySmart Exclusive
LUCKY DRAW | Membership Rewards Point never expire
Promotion ends in
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

[LUCKY DRAW | 1 to 23 July 2024]
Get up to 10 chances to win a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000) or a Samsonite Choca Spinner 68/25 Luggage (worth S$700) when you apply for The Platinum Card® and meet the requirements in the MoneySmart x American Express Lucky Draw! T&Cs apply.
 
[American Express Welcome Offer | 1 to 23 July 2024]
New & Existing American Express cardholder can get 98,000 Membership Rewards® points (enough to redeem a Return Trip to Auckland, New Zealand*) when you pay the card's annual fee and spend a min. of S$8,000 within the 2 month of card approval! T&Cs apply.

Valid until 23 Jul 2024 - See more details below
Apply Now
UOB Lady's Card
MoneySmart Exclusive
LUCKY DRAW | Earn up to 6 Miles per S$1
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

[LUCKY DRAW]
Stand a chance to win a Cartier Santos-Dumont Watch - Large Model, Blue (worth S$6,000) or an Apple 11-inch iPad Air WiFi, 128GB (worth S$899) or a Sony PlayStation 5 SLIM Digital Edition (worth S$669) when you apply and spend a min. of S$1,000 in Eligible Transactions each month for the first two consecutive months from the card approval date. T&Cs apply.
 
PLUS get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in July 2024 who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.

Valid until 11 Aug 2024 - See more details below
Apply Now
Citi Rewards Card
MoneySmart Exclusive
REWARDS RUSH HOUR FLASH DEAL
Promotion ends in
on Online & Shopping Purchases
S$1= 10X Points
on all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles

[REWARDS RUSH HOUR | FASTEST GIFT FULFILMENT]
Get UPSIZED CASH REWARDS of S$430* or 5,040 SmartPoints + S$80 Trip.com Coupon, in as fast as 4 weeks from meeting the S$500 spend criteria! T&Cs apply.
 
For a limited time, get additional Rewards Rush Hour gifts ON TOP of your baseline gift when you meet the flash deal criteria!

  • Apple Watch Series 9 (GPS), 41mm (worth S$604.50) or
  • Apple 10.9-inch iPad (10th Gen), 64GB (worth S$529) or
  • Sony PlayStation®5 (SLIM) Digital Edition (worth S$669)

 
Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$110 on top of your earned SmartPoints.

Valid until 23 Jul 2024 - See more details below
Apply Now
Standard Chartered Rewards+ Credit Card
MoneySmart Exclusive
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

Get S$200 Cash via PayNow  or 2,990 SmartPoints when you apply and spend a min. of S$500 in eligible transactions within 30 days from card approval date. T&Cs apply.
 
Use 2,990 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2-inch iPad Wi‑Fi 64GB (9th Generation) at only S$205 on top of your earned SmartPoints.

Valid until 31 Jul 2024 - See more details below
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
REWARDS RUSH HOUR FLASH DEAL
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

[REWARDS RUSH HOUR | FASTEST GIFT FULFILMENT]
Get UPSIZED CASH REWARDS of S$430* or 5,040 SmartPoints + S$80 Trip.com Coupon, in as fast as 4 weeks from meeting the S$500 spend criteria! T&Cs apply.
 
For a limited time, get additional Rewards Rush Hour gifts ON TOP of your baseline gift when you meet the flash deal criteria!

  • Apple Watch Series 9 (GPS), 41mm (worth S$604.50) or
  • Apple 10.9-inch iPad (10th Gen), 64GB (worth S$529) or
  • Sony PlayStation®5 (SLIM) Digital Edition (worth S$669)

 
Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$110 on top of your earned SmartPoints.

Valid until 23 Jul 2024 - See more details below
Apply Now
Standard Chartered Smart Credit Card
MoneySmart Exclusive
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

Get S$200 Cash via PayNow  or 2,990 SmartPoints when you apply and spend a min. of S$500 in eligible transactions within 30 days from card approval date. T&Cs apply.
 
Use 2,990 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2-inch iPad Wi‑Fi 64GB (9th Generation) at only S$205 on top of your earned SmartPoints.

Valid until 31 Jul 2024 - See more details below
Apply Now
American Express Platinum Credit Card
MoneySmart Exclusive
LUCKY DRAW | Membership Rewards Point never expire
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

[LUCKY DRAW | 1 to 23 July 2024]
Get up to 3 chances to win a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000) or a Samsonite Choca Spinner 68/25 Luggage (worth S$700) when you apply for the Platinum Credit Card and meet the requirements in the MoneySmart x American Express Lucky Draw! T&Cs apply.
 
[American Express Welcome Offer | 1 to 31 July 2024]
New to American Express cardholders can get S$300 cashback* from AMEX (in the form of Statement Credits) 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$200 cashback* from AMEX (in the form of Statement Credits) 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 23 Jul 2024 - 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 an Apple AirPods (3rd generation) with Lightning Charging Case, 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 Jul 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 = 2.2 Miles
On Travel Spend at Agoda
S$1 = Up to 4.3 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 30 Sep 2024 - 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 30 Sep 2024 - 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 30 Sep 2024 - See more details below
Apply Now
Maybank DUO Platinum Mastercard
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:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or an Apple AirPods (3rd generation) with Lightning Charging Case, 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 Jul 2024 - 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
MoneySmart Exclusive
LUCKY DRAW | 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

[LUCKY DRAW]
Stand a chance to win A Pair of Cat 1 Tickets to Jay Chou Carnival World Tour 2024 - Singapore (worth S$796) when you apply & submit the MoneySmart Claim Form (without the Unique Redemption Code first*) by 4 Sept 2024! No min spend required!
 
[MONEYSMART EXCLUSIVE GIFT]
Earn 1,890 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$500 in qualifying spends within 30 days from card approval date. T&Cs apply.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.

Valid until 04 Aug 2024 - See more details below
Apply Now
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 30,000 HighFlyer Points (worth S$285) from AMEX when you apply, pay the card's annual fee and spend a min. of $3,000 within first 3 months of card approval.

PLUS enjoy up to S$8,850 in Business Savings! T&Cs apply.
Valid until 31 Jul 2024 - 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
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 an Apple AirPods (3rd generation) with Lightning Charging Case, 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 Jul 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 an Apple AirPods (3rd generation) with Lightning Charging Case, 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 Jul 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.

Best Rewards Credit Cards in Singapore (2024)

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.

background image

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!