Best Shopping Credit Cards 2020

Find the best shopping credit cards for both online and offline payments. Earn airmiles, cashback, cash rebate when you shop with it. Read More
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We found 33 Credit Cards for you!
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Standard Chartered logo
MoneySmart Exclusive
Unlimited Cashback

Standard Chartered Unlimited Cashback Credit Card

Cash Back on eligible spend
Up to 1.5%
Min. Spend per month
$0
Cash Back Cap
Unlimited
MoneySmart Exclusive: Get a pair of Sony wireless noise cancelling headphones WF-1000XM3 worth $349 delivered to your doorstep when you apply and activate your card! For new-to-bank cardholders only. Valid till 31 Jul 2020.
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Citibank logo
MoneySmart Exclusive
Earn Points for Online Spending

Citi Rewards Card

on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point
MoneySmart Exclusive: Get an Airpods Pro or Nintendo Switch Lite delivered to your doorsteps when you apply & spend on your card. Fill in the claim form after application to redeem! T&Cs apply. Valid till 31 Jul 2020.
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Standard Chartered logo
MoneySmart Exclusive
No Minimum Spend for Cashback

Standard Chartered Spree Credit Card

Cash Back On All Retail Spends
1%
Cash Back Cap per month
S$60
Min. Spend per month
S$0
MoneySmart Exclusive: Get a pair of Sony wireless noise cancelling headphones WF-1000XM3 worth $349 delivered to your doorstep when you apply and activate your card! For new-to-bank cardholders only. Valid till 31 Jul 2020.
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DBS logo
Online & Visa Contactless Spend

DBS Live Fresh Card

Cashback on Online & Visa Contactless Spend
Up to 5%
Cashback cap
Up to S$60
Min. Spend Per month
S$600
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DBS logo

DBS Woman's World Card

on Online Spend
S$5= 10X Points
on Overseas Spend
S$5= 3X Points
Redeem for Vouchers at Selected Malls
S$50 = 3,200 Points
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OCBC logo
Earn Miles That Don't Expire

OCBC 90°N Card

Cash Back on Eligible Spend
1.2%
on selected Airlines and Shops
S$1 = 4 Miles
Min. spend per month
S$0
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Citibank logo
No Minimum Spend for Cashback

Citibank SMRT Card

Cash Back on Movies, Toys and Books
5%
Cash Back Cap per year
S$600
Min. Spend per month
S$300
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OCBC logo

OCBC Titanium Rewards Card (Blue)

on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
with 1,750 OCBC$
S$5 Zara Bill Offset
with 3,500 OCBC$
S$10 Robinsons Voucher
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DBS logo
Online Shopping

DBS Woman's Card

On Online Spend
S$5 = 5X Points
On All Other Spend
S$5= 1X Point
Redeem for Vouchers at Selected Malls
S$50 = 3,200 Points
Apply Now
More Details
OCBC logo

OCBC Titanium Rewards Card (Pink)

on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
with 1,750 OCBC$
S$5 Zara Bill Offset
with 3,500 OCBC$
S$10 Robinsons Voucher
Apply Now
More Details
American Express logo
MoneySmart Exclusive

American Express Platinum Credit Card

at participating Platinum EXTRA Partners
S$1.60= 10X Points
on All Other Spend
S$1.60 = 2X Points
Redeem for Vouchers at Selected Malls
S$50= 11,000 Points
MoneySmart Exclusive: Get S$150 cash via PayNow! Applicable to new-to-bank cardholders only. Valid till 31 Jul 2020.
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HSBC logo
Earn Points for Everyday Spending

HSBC Revolution Credit Card

on Online, Dining and Entertainment
S$1= 5X Points
on All Other Spend
S$1= 1X Point
Redeemable at Selected Malls
S$20= 6,500 Points
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ICBC logo
Online Promo

ICBC Chinese Zodiac Credit Card

Cash Back on All Spend
1.6%
Spend per month
S$0
Cash Back Cap
Unlimited
Online Promo: Free Worldwide VIP Lounge Access! Valid till 31 Dec 2020.
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UOB logo
MoneySmart Exclusive

UOB Lady's Card

on One Category
S$5 = 10X UNI$
on All Other Spend
S$5 = 1X UNI$
Interest Payment Plans (up to 1 Year)
0% Interest
MoneySmart Exclusive: Get up to S$60 Grab Vouchers! Valid till 31 Jul 2020.
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Maybank logo

Maybank World Mastercard

on Selected Retail Merchants
10X Points
on All Other Retail Spend
1X Point
Redeem for Vouchers at Selected Malls
S$50 = 17,500 Points
Apply Now
More Details
Maybank logo
Online Promo

Maybank Platinum Visa Card

Cash Rebates on All Local Spend
Up to 3.33%
Cash Rebate on Overseas Spend
0.3%
Cash Rebate Cap per quarter
S$100
Online Promo: Get S$100 Cash Credit with Maybank Credit Cards and CreditAble! Valid till 31 Dec 2020.
Apply Now
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Bank of China logo

Bank of China Zaobao Credit Card

Cash Rebate at Departmental Stores
10%
For all Overseas spend
S$1 = 2X Points
For all local spend
S$1 = 1X Point
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Bank of China logo

Bank of China Family Card

Cash Back at Selected Merchants
5%
Cash Back on Selected Merchants per month
S$25
Min. Spend per month
S$800
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UOB logo
MoneySmart Exclusive

UOB YOLO Credit Card

on Online Spend
3%
Cash Back Cap per month
S$80
Min. Spend per month
S$600
MoneySmart Exclusive: Get up to S$60 Grab Vouchers! Valid till 31 Jul 2020.
Apply Now
More Details
DBS logo
Frequent Shoppers at Takashimaya

DBS Takashimaya American Express Card

at Takashimaya Department Store & Takashimaya Square, B2
S$10= 2 Taka Points
On All Other Spend at Selected Stores
S$10= 2 Taka Points
Additional Discount at Selected Malls
10%
Apply Now
More Details

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Best Online Shopping Credit Cards in Singapore

Online shopping credit card Earn rateReward categories
Citibank Lazada Card S$1 = 4 miles Lazada (excluding RedMart)
Citibank Rewards Card S$1 = 4 miles Online shopping (excl. travel)
DBS Woman’s World Card S$1 = 4 miles All online spending

Citibank Lazada Card

An obvious choice for loyal Lazada shoppers, the Citi Lazada credit card gives its users free LiveUp membership, shipping rebates, plus a whopping 12X rewards points (4.8 miles per S$1) on Lazada purchases until Feb 2020 (10X thereafter). But it excludes RedMart purchases and most other online shopping.

Citibank Rewards Card

For online shoppers who don’t want to be tied down to a specific site, the Citibank Rewards Card is a better choice. It offers 10X rewards (4 miles per S$1 spent) on all online shopping, including Grab and food delivery apps but excluding travel bookings. Bonus points capped at S$1,000 of online spending a month.

DBS Woman’s World Card

Higher earners and spenders may wish to consider the DBS Woman’s World Card, which has an S$80,000 annual income requirement (and is open to men too). It also offers 10X rewards (or 20 miles per S$5 spent) on a huge range of online shopping and purchases, including travel, capped at S$2,000 a month.

Miles, rewards or cashback: Which is best for online shoppers?

Not sure which type of credit card you should choose for online shopping? It all depends on how you like to be rewarded, and your spending habits. Generally, cashback credit cards are best for regular, consistent spending, such as groceries, petrol, bills and so on. This is because they either have a minimum spending requirement or a cashback cap, or both. Rewards cards, on the other hand, are more flexible. There is no minimum spending requirement, and you can exchange the rewards points for miles or vouchers once you have accumulated enough. However, most rewards cards have a monthly expenditure cap of S$1,000, so they are not suitable for big spenders. Air miles cards tend to have less attractive earn rates than rewards cards for online shopping. However, if most of your online spending is on travel bookings, consider miles cards that offer promotional earn rates with partner sites like Agoda, Expedia, etc.

What about credit card online shopping promotions?

Apart from these credit cards’ rebates or rewards structure, you may also want to check if the issuing bank has any good promotional tie-ups with your favourite shopping websites. For example, each bank has exclusive long-term promotions with Lazada, Shopee and other online marketplaces. Those who shop frequently on such platforms may like to check what sort of discount or promo code that credit card can offer. Most of these promo codes or vouchers can be combined with your credit card rebates or points, which can double the online shopping discount you finally get.