Best Rewards Credit Cards 2025

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
FASTER REWARD FULFILMENT | 10X POINTS FOR SPENDS
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

[SURE WIN S$450 CASH]
Get S$400 Cash or 5,040 SmartPoints + a 5GB Eskimo Global eSIM (worth US$25) in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 15 Jun 2025 - See more details below
OCBC Rewards Credit Card
MoneySmart Exclusive
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

Get S$150 Cash or 1,960 SmartPoints  for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.

Valid until 17 Jun 2025 - See more details below
HSBC Revolution Credit Card
MoneySmart Exclusive
Earn up to 4 miles per S$1 | Instant Activation*
Promotion ends in
on Online Spend on Travel, Shopping & Dining
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

Get S$370 Upsized Cash via PayNow or 5,000 SmartPoints when you apply, spend a min. of S$500 from Card Account Opening Date to end of the following calendar month! T&Cs apply.

Valid until 15 Jun 2025 - See more details below
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$230 Cash via PayNow or 2,990 SmartPoints when you apply and spend S$800 within 30 days from card approval date! T&Cs apply.
 
[SCB Pinball Sure Win Promotion]
Apply for an eligible SCB Card and unlock sure-win prizes like a Paris Getaway for Two (flights, hotels and iconic experiences), Samsonite luggage, FairPrice/ Klook vouchers, and more worth S$12,000 or more! T&Cs apply.

Valid until 22 Jun 2025 - See more details below
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 95,000 Membership Rewards® points (enough to redeem to a Return Trip to Istanbul, Turkey on Singapore Airlines), with annual fee payment and min. spending of S$4,000 within first 2 months of Card approval. T&Cs apply.

What’s more, earn an extra 10 Membership Rewards points per S$1.60 spend in foreign currency for 6 months upon Card approval, capped at S$1,000 spend per month.
Valid until 30 Jun 2025 - See more details below
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$300 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 Jul 2025 - See more details below
OCBC INFINITY Cashback Card
MoneySmart Exclusive
Earn 1.6% unlimited cashback
on eligible transactions
Earn 1.6% Cashback
Min. Spend
S$0
Cashback Cap
Unlimited

Get S$150 Cash or 1,960 SmartPoints  for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
PLUS get S$100 foodpanda food vouchers and enjoy 5-year annual fee waiver when you charge at least 1 qualifying spend within 30 days! T&Cs apply.

Valid until 17 Jun 2025 - See more details below
KrisFlyer UOB Credit Card
Earn up to 3 Miles per S$1 spend
on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases
$1 = 3 Krisflyer Miles
on dining, food delivery, online shopping, online travel and transport spend
$1 = Up to 2.4 Krisflyer Miles
on All Other Spend
$1 = 1.2 Krisflyer Miles
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 you apply and spend S$800 within 30 days from card approval date! T&Cs apply.
 
[SCB Pinball Sure Win Promotion]
Apply for an eligible SCB Card and unlock sure-win prizes like a Paris Getaway for Two (flights, hotels and iconic experiences), Samsonite luggage, FairPrice/ Klook vouchers, and more worth S$12,000 or more! T&Cs apply.

Valid until 22 Jun 2025 - See more details below
Citi Cash Back Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK
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

[SURE WIN S$450 CASH]
Get S$400 Cash or 5,040 SmartPoints + a 5GB Eskimo Global eSIM (worth US$25) in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 15 Jun 2025 - See more details below
Maybank Family & Friends Card
Earn up to 8% Cashback
globally on 5 preferred cashback categories
Up to 8% Cashback
on Malaysian Ringgit and Indonesia Rupiah spend
Up to 8% Cashback
Cashback Per Month
Up to S$150
Cashback Credit Card by Trust
Online Promo
on your preferred category
Up to 15% Cashback
on all other eligible spend
Unlimited 1% Instant Cashback
FX Fees
0%
Online Promo:
Get S$10 FairPrice E-Vouchers when you you are a New-To-Trust customer and apply code MONEYSMT at point of application! T&Cs apply.
Valid until 15 Jun 2025 - See more details below
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
Maybank Horizon Visa Signature
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
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 38,000 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 Aug 2025 - See more details below
NTUC Link Credit Card by Trust
Online Promo
savings on groceries and food
Up to 21%
petrol savings (on Caltex and Esso)
Up to 20%
FX Fees
0%
Online Promo:
Get S$10 FairPrice E-Vouchers when you you are a New-To-Trust customer and apply code MONEYSMT at point of application! T&Cs apply.
Valid until 15 Jun 2025 - See more details below
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:
Get up to S$400 back!

New-to-Card Customers receive S$200 Statement Credits upon annual fee payment and S$1,000 spend within first 2 months of Card approval.
What's more, receive up to S$200 back when you spend at participating lifestyle brands.

Existing Customers receive S$150 Statement Credits upon annual fee payment and S$1,000 spend within first 2 months of Card approval.
What's more, receive up to S$200 back when you spend at participating lifestyle brands. T&Cs apply.
Valid until 30 Jun 2025 - See more details below
UOB Lady's Card
Up to 10 Miles per S$1 spent
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 0.4 miles per S$1)
Rewards to Miles Conversion, no min. spend
1 UNI$ = 2 Miles
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$300 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 Jul 2025 - See more details below
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

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!