Best Shopping Credit Cards 2019

1.6%

Cash Back on All Spend

S$0

Spend per month

Unlimited

Cash Back Cap

More Details

Shopping Features

Earn 1.6% unlimited cash back on all spends (Local and Overseas)
No minimum spend required
No cap on the cash back

Annual Interest Rate and Fees

Annual Interest Rate	24.00%
Principle Annual Fee	$150
Supplementary Annual Fee	S$75
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$30,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass

Get S$200 Cash via PayNow!

Citi Rewards Card

S$1= 10X Points

on Online Spend*

S$1= 10X Points

on Shopping Spend

S$1 = 1 Point

on All Other Spend

MoneySmart Exclusive: Get S$200 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 31 Dec 2019.

S$1= 10X Points

on Online Spend*

S$1= 10X Points

on Shopping Spend

S$1 = 1 Point

on All Other Spend

MoneySmart Exclusive: Get S$200 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 31 Dec 2019.

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Shopping Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$200 Gift
10X Rewards on all online purchases (excludes travel-related transactions). Bank's T&Cs apply
10X Rewards on Ride-haling, Shopping and Online spends. T&Cs apply
10X Rewards capped at 10,000 Points per statement month
10X Rewards = 4 Miles
S$1 spent = 1 Rewards point (All other spend). No minimum spend required, no cap
*Bank's T&Cs apply

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	MasterCard, Visa
Wireless Payment	Master PayPass, Visa payWave, Samsung Pay, Citi Pay

DBS Woman's World Card

S$5= 10X Points

on Online Spend

S$5= 1X Point

on All Other Spend

S$50 = 3,200 Points

Redeem for Vouchers at Selected Malls

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

S$5= 10X Points

on Online Spend

S$5= 1X Point

on All Other Spend

S$50 = 3,200 Points

Redeem for Vouchers at Selected Malls

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

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Shopping Features

10X DBS Points (or 20 miles) per S$5 spent on online shopping purchase
3X DBS Points (or 6 miles) per S$5 spent on overseas shopping purchase
1X DBS Points (or 2 miles) per S$5 spent on all other purchases

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.3
Fee Waiver	Available
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$80,000
Foreigner	$80,000

Other

Card Association	mastercard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

Popular Shopping Credit Cards

Win iPhone 11, Dyson & more!

Standard Chartered Spree Credit Card

Cash Back On All Retail Spends

S$60

Cash Back Cap per month

S$0

Min. Spend per month

MoneySmart Exclusive: Sure-win gifts of iPhone 11/Dyson/Bose Headphones & more! Learn MoreValid till 25 Dec 2019.

Get up to S$100 Cashback

Cash Back On All Retail Spends

S$60

Cash Back Cap per month

S$0

Min. Spend per month

MoneySmart Exclusive: Sure-win gifts of iPhone 11/Dyson/Bose Headphones & more! Learn MoreValid till 25 Dec 2019.

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Shopping Features

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 Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

OCBC 90°N Card

S$1 = 8 Miles

on selected Travel and Hotel Partners

S$1 = 4 Miles

on selected Airlines and Shops

S$0

Min. spend per month

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

S$1 = 8 Miles

on selected Travel and Hotel Partners

S$1 = 4 Miles

on selected Airlines and Shops

S$0

Min. spend per month

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

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Shopping Features

4 miles for every S$1 spent on selected shops: DFS Singapore and The Shilla Duty Free at Changi Airport
1.2 miles for every S$1 spent locally
No minimum monthly spending and no cap on the number of miles earned per month

Annual Interest Rate and Fees

Annual Interest Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Mastercard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

OCBC Titanium Rewards Card (Blue)

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$

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

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$

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

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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 Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

OCBC Titanium Rewards Card (Pink)

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$

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

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$

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

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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 Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

American Express Platinum Credit Card

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

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

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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, Google Pay, Samsung 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 Rate	25.90%
Principle Annual Fee	$321
Supplementary Annual Fee	160.5
Fee Waiver	Not Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$50,000
Foreigner	$60,000

Other

Card Association	American Express
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

Win iPhone 11, Dyson & more!

Standard Chartered Unlimited Cashback Credit Card

Up to 1.5%

Cash Back on eligible spend

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get $200 Cash & Cashback + Sure-win gifts of iPhone 11/Dyson/Bose Headphones & more! Learn MoreValid till 25 Dec 2019.

Up to 1.5%

Cash Back on eligible spend

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get $200 Cash & Cashback + Sure-win gifts of iPhone 11/Dyson/Bose Headphones & more! Learn MoreValid till 25 Dec 2019.

More Details

Shopping Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$120 Cash Gift & Sure-win Prizes
1.5% cashback on all eligible shopping 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 Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay

Citibank SMRT Card

Cash Back on Movies, Toys and Books

S$600

Cash Back Cap per year

S$300

Min. Spend per month

Online Promotion: Get S$120 cash back when you spend S$1,200 in the first 3 monthsValid till 31 Dec 2019.

Cash Back on Movies, Toys and Books

S$600

Cash Back Cap per year

S$300

Min. Spend per month

Online Promotion: Get S$120 cash back when you spend S$1,200 in the first 3 monthsValid till 31 Dec 2019.

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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 Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Samsung Pay, Citi Pay

HSBC Revolution Credit Card

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

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

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

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

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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 Rate	25.90%
Principle Annual Fee	$150
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay

DBS Live Fresh Card

Up to 10%

Cashback on Online, Transport and Contactless spend

Up to S$80

Cash Back Cap per month

$600

Min. Spend Per month

Online Promotion: Enjoy up to S$180 cashback. Valid till 31 Mar 2020.

Up to 10%

Cashback on Online, Transport and Contactless spend

Up to S$80

Cash Back Cap per month

$600

Min. Spend Per month

Online Promotion: Enjoy up to S$180 cashback. Valid till 31 Mar 2020.

More Details

Shopping Features

Earn 5% cashback when you shop and pay via Visa contactless with a minimum spend of S$600 per calendar month
Earn 5% cashback when you shop online with a minimum spend of S$600 per calendar month

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	1 year
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa Contactless, Apple Pay, Samsung Pay, Google Pay

DBS Woman's Card

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

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

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

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

More Details

Shopping Features

5X DBS Points (or 10 miles) per S$5 spent on online shopping purchase
1X DBS Points (or 2 miles) per S$5 spent on all other purchases
Complimentary e-Commerce Protection for your online purchases

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$161
Supplementary Annual Fee	S$80.25
Fee Waiver	Available
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Mastercard
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

UOB Lady's Card

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

0% Interest

Interest Payment Plans (up to 1 Year)

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

0% Interest

Interest Payment Plans (up to 1 Year)

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Shopping Features

10X UNI$ on your shopping (local & overseas)
Enjoy rewards from various merchants including but not limited to: ASOS, Takashimaya, Robinson Co, Uniqlo, Zara, Zalora, Sephora, Watsons, GNC and more
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 Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	96.3
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Maybank World Mastercard

10X Points

on Selected Retail Merchants

1X Point

on All Other Retail Spend

S$50 = 17,500 Points

Redeem for Vouchers at Selected Malls

10X Points

on Selected Retail Merchants

1X Point

on All Other Retail Spend

S$50 = 17,500 Points

Redeem for Vouchers at Selected Malls

More Details

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 Rate	25.90%
Principle Annual Fee	$240
Supplementary Annual Fee	Free
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$20, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$80,000
Foreigner	$80,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass

Maybank Platinum Visa Card

Up to 3.33%

Cash Rebates on All Local Spend

0.3%

Cash Rebate on Overseas Spend

S$100

Cash Rebate Cap per quarter

Up to 3.33%

Cash Rebates on All Local Spend

0.3%

Cash Rebate on Overseas Spend

S$100

Cash Rebate Cap per quarter

More Details

Shopping Features

Annual Interest Rate and Fees

Annual Interest Rate	15.00%
Principle Annual Fee	$0
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$20, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Samsung Pay, MaybankPay

Bank of China Zaobao Credit Card

10%

Cash Rebate at Departmental Stores

S$1 = 2X Points

For all Overseas spend

S$1 = 1X Point

For all local spend

10%

Cash Rebate at Departmental Stores

S$1 = 2X Points

For all Overseas spend

S$1 = 1X Point

For all local spend

More Details

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
During application, please input "MS" under Promo code in your online application form

Annual Interest Rate and Fees

Annual Interest Rate	28.88%
Principle Annual Fee	$203
Supplementary Annual Fee	S$101.65
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	UnionPay
Wireless Payment	N/A

Bank of China Family Card

Cash Back at Selected Merchants

S$25

Cash Back on Selected Merchants per month

S$800

Min. Spend per month

Cash Back at Selected Merchants

S$25

Cash Back on Selected Merchants per month

S$800

Min. Spend per month

More Details

Shopping Features

5% Cashback at Selected Merchants: Best Denki, POPULAR Bookstore, Unity Pharmacy, Watsons, Welcia-BHG

Base rate: 0.3% on all other purchases and if minimum spend of S$800 per month is not met

Cashback cap at S$25 per month for above mentioned merchants

During application, please input "MS" under Promo code in your online application form

Annual Interest Rate and Fees

Annual Interest Rate	28.88%
Principle Annual Fee	$203
Supplementary Annual Fee	S$101.65
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	Visa payWave