Best Shopping Credit Cards 2018

Updated November 2018

Enjoy shopping discounts and exclusive privileges like free parking and VIP sale previews when you get a shopping credit card. Compare shopping credit cards and find the best one.

Popular Shopping Credit Cards

Standard Chartered Spree Credit Card
Excellent
Standard Chartered Spree Credit Card
Excellent

1%

Cash Back On All Retail Spends

S$60

Cash Back Cap per month

S$0

Min. Spend per month

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

Shopping Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Spree Card via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) 11 digit Reference Number on the Thank You Page upon completion on or before 30 Nov 2018 for your S$50 Cash Gift. Full T&Cs here
  • 3% cashback on all online spends in foreign currency and vPost spends
  • 2% cashback on all online spends in local currency, contactless and mobile payments
  • 1% cashback on all other retail transactions
  • 10% off Speedpost Priority International Service

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
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
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

S$50= 11,000 Points

Redeem for Vouchers at Selected Malls

  • Get S$20 NTUC Vouchers

Shopping Features

  • 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
  • Eligible for use with Apple Pay
  • 90-days return guarantee, return almost any purchase made in Singapore for a refund up to S$800 per item
  • Redeem vouchers with points at various shops including Dorothy Perkins, TOPSHOP, Ben Sherman, Robinsons, Isetan, OG, Courts and many more

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$5 Zara Bill Offset

with 1,750 OCBC$

S$10 Robinsons Voucher

with 3,5000 OCBC$

Shopping Features

  • 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas
  • 2% Cash Rebate when you spend at BEST Denki, on top of the existing 10 OCBC$ (worth 4 Miles) OCBC Titanium Rewards Cardmembers earn on a usual basis. Valid till 31 Jan 2019.

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
Citibank SMRT Card
Very Good
Citibank SMRT Card
Very Good

5%

Cash Back on Movies, Toys and Books

S$600

Cash Back Cap per year

S$300

Min. Spend per month

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

Shopping Features

  • Up to 5% savings on Fast Food, Movies, Coffee, Toys, and Books. 4.7% + 0.3% (If monthly card spend is at least $300)
  • Up to 3% savings on Online Shopping*. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% savings on Health & Beauty. 1.7% + 0.3% (If monthly card spend is at least $300)
  • Movies - Cathay Cineplexes, Filmgarde, Golden Village, Shaw Theatres only
    Toys & Books - POPULAR Bookstores, Toys'R'Us
    Health & Beauty - GNC, Guardian, Nature's Farm, NTUC Unity Healthcare, Watson's
  • *Excludes all travel-related merchants worldwide - Airlines, Air Carriers, Car Rental Agencies, Lodging, Travel Agencies & Tour Operators, Passenger Railways, Taxicabs & Limousines, Bus Lines, Steamship & Cruise Lines and Other Transportation Services, Direct Marketing Travel-Related Arrangement Services
  • Savings awarded in SMRT$, capped at 600 SMRT$ every 12 month period

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay, Citi Pay
Standard Chartered Unlimited Cashback Credit Card
Very Good
Standard Chartered Unlimited Cashback Credit Card
Very Good

1.5%

Cash Back on All Spend with no cap

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Free up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit
  • Get 15% cashback with Grab
  • +1 more

Other Promotions

  • Up to 50% off dining at The Fullerton Hotel

Shopping Features

  • Get up to S$300 worth of Cash + Cashback + Amazon Prime Now Credit when you apply for SCB Unlimited Cashback via MoneySmart
  • Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) 11 digit Reference Number on the Thank You Page upon completion on or before 30 Nov 2018 for your S$50 Cash Gift. Full T&Cs here
  • 1.5% cashback on all eligible spend
  • No cashback cap and no minimum spend
  • Up to 5% discount at iHerb
  • Enjoy discount privileges at over 3,000 outlets in Asia from dining to shopping among others with The Good Life®, only with Standard Chartered Cards

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
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
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Google Pay
American Express True Cashback Card
Very Good
American Express True Cashback Card
Very Good

3%

Cash Back for First 6 Months

1.5%

On All Other Spend

50%

Discount at Selected Stores

  • Get S$20 NTUC Voucher
  • 3% Cashback for the first 6 months

Shopping Features

  • 1.5% Cashback on any purchase you make, anytime
  • 3% Cashback for the first 6 months up to $5000 spend
  • Eligible for use with Apple Pay

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
UOB One Card
Very Good
UOB One Card
Very Good

Up to 5%

Cash Back On All Spend

S$300

Cash Back Cap per quarter

S$500

Min. Spend per month, per quarter

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

Shopping Features

  • Up to 5% cash rebate on all spend each quarter (min. spend $2,000/month for all 3 months)
  • Up to 3.33% cash rebate on all spend each quarter (min. spend $500/month or $1,000/month for all 3 months)
  • Up to 10% SMART$ rebate at over 400 merchants

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee1st supplementary card free; $96.30 for subsequent cards
Fee WaiverAvailable
Minimum Monthly Repayment3% of S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
American Express CapitaCard
Very Good
American Express CapitaCard
Very Good

S$1= 10X STAR$

At Participating Merchants at CapitaLand Malls

S$1= 5 STAR$

On All Other Spend

S$50 = 50,000 STAR$

Redeem for CapitaVoucher at Selected Malls

  • Get S$20 NTUC Voucher

Shopping Features

  • S$1 = 5 STAR$ on all spend
  • S$1 = 15 STAR$ at CapitaLand Malls on eligible purchases
  • All STAR$ earned are credited directly into your CAPITASTAR account, capped at S$1,200 per calendar month
  • 5,000 STAR$ = S$5 CapitaVoucher / 10,000 STAR$ = S$10 CapitaVoucher / 50,000 STAR$ = S$50 CapitaVoucher

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or $50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
HSBC Revolution Credit Card
Very Good
HSBC Revolution Credit Card
Very Good

S$1= 5X Points

on Online, Dining and Entertainment

S$1= 1X Point

on All Other Spend

S$20= 6,500 Points

Redeemable at Selected Malls

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

Shopping Features

  • 5X Rewards points (or 2 air miles) per $1 spent on Online transactions
  • Includes airline/movie/concert tickets, hotel/travel/taxi bookings, food orders, insurance premiums, and online shopping sites
  • Excludes brokerages/securities and money payment/transfer websites

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
Bank of China Zaobao Credit Card
Very Good
Bank of China Zaobao Credit Card
Very Good

10%

Cash Rebate at Departmental Stores

S$1 = 2X Points

For all Overseas spend

S$1 = 1X Point

For all local spend

Shopping Features

  • 10% Cash Rebate at Department Stores and Buzz
  • Department Stores include BHG, Istean, John Little, Marks & Spencer, Metro, OG, Robinsons, Takashimaya and TANGS
  • Exclusive offers at over 100 International Airport Duty Free Shops
  • Up to 25% off at shopping merchants in major cities around the world

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 Live Fresh Card
Very Good
DBS Live Fresh Card
Very Good

Up to 5%

Cash Back on Visa PayWave Purchases

$60

Cash Back Cap per month

$600

Min. Spend Per month

  • Online Exclusive: Up to S$150 cashback
  • Win a pair of SQ Suites return tickets to one of these 5 locations

Shopping Features

  • Online shopping and payment via contactless methods get 5% cashback
  • Contactless Payments: Visa payWave, Apple Pay, Samsung Pay, Google Pay

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$128
Supplementary Annual Fee64.2
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
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google 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

S$50 = 3,200 Points

Redeem for Vouchers at Selected Malls

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

Shopping Features

  • Earn 5X Rewards (5 DBS Points OR 10 miles per S$5 spend) when shopping online
  • Enjoy 0% interest over 3, 6 or 12 months and waived processing fee with My Preferred Payment Plan
  • Enjoy exclusive shopping privileges with DBS Lifestyle App

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
UOB Lady's Card
Very Good
UOB Lady's Card
Very Good

S$5= 5X UNI$

on Overseas Departmental Stores

S$5 = 1X UNI$

on All Other Spend

0% Interest

Interest Payment Plans (up to 1 Year)

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

Shopping Features

  • 5X UNI$ on your shopping (local & overseas)
  • UOB Lady's LuxePay Plan: 6 or 12-month installment plan with no interest or processing fees
  • Up to 10% SMART$ rebate at over 400 participating merchant outlets

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
Bank of China Family Card
Very Good
Bank of China Family Card
Very Good

5%

Cash Back at Selected Merchants

S$40

Cash Back on Shopping per month

S$700

Min. Spend per month

Shopping Features

  • 5% Cashback at Selected Mercents: Best Denki, BIG BOX, Watsons, Unity Pharmacy, Toys 'R' Us, Welcia-BHG
  • Base rate: 0.3% on all other retail purchases and if minimum spend of $700 is not met
  • Cashback cap at $100 per month where cap is at S$40 per month at the above merchants

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 AssociationVisa
Wireless PaymentN/A
Maybank World Mastercard
Very Good
Maybank World Mastercard
Very Good

10X Points

on Selected Retail Merchants

1X Point

on All Other Retail Spend

S$50 = 17,500 Points

Redeem for Vouchers at Selected Malls

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

Shopping Features

  • Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on selected retail merchants

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
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