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
We found 33 Credit Cards for you!
ICBC logo
Cash Back on All Spend
1.6%
Spend per month
S$0
Cash Back Cap
Unlimited
Apply Now
Online Promo: Free Worldwide VIP Lounge Access! Valid till 31 Dec 2020.
Citibank logo
MoneySmart Exclusive
on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point
Apply Now
MoneySmart Exclusive: Get up to S$300 Cash or Grab Credits! Applies to new to bank customers. Valid till 13 Apr 2020.
DBS logo
on Online Spend
S$5= 10X Points
on All Other Spend
S$5= 1X Point
Redeem for Vouchers at Selected Malls
S$50 = 3,200 Points
Apply Now
Online Promo: Get AirPods or S$200 cashback when you apply online and spend! Valid till 30 Jun 2020.
Standard Chartered logo
Cash Back On All Retail Spends
1%
Cash Back Cap per month
S$60
Min. Spend per month
S$0
Apply Now
Online Promo: Get up to S$100 cashback! Valid till 30 Jun 2020.
OCBC logo
Cash Back on Eligible Spend
1.2%
on selected Airlines and Shops
S$1 = 4 Miles
Min. spend per month
S$0
Apply Now
OCBC logo
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
OCBC logo
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
American Express logo
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
Apply Now
Standard Chartered logo
MoneySmart Exclusive
Cash Back on eligible spend
Up to 1.5%
Min. Spend per month
$0
Cash Back Cap
Unlimited
Apply Now
MoneySmart Exclusive: Get up to S$250 worth of Cashback, Instant Cash or Grab Credits! Applies to New-to-Bank cardholders. Valid till 13 Apr 2020.
Citibank logo
Cash Back on Movies, Toys and Books
5%
Cash Back Cap per year
S$600
Min. Spend per month
S$300
Apply Now
HSBC logo
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
Apply Now
Online Promo: Get a Samsonite Prestige 69cm Spinner Exp (worth S$670) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides! Valid till 30 Jun 2020.
DBS logo
Cashback on Online, Visa Contactless
Up to 10%
Cash Back Cap per month
Up to $80
Min. Spend Per month
$1000
Apply Now
Online Promo: Get AirPods or S$200 cashback when you apply online and spend! Valid till 30 Jun 2020.
DBS logo
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
Online Promo: Get AirPods or S$200 cashback when you apply online and spend! Valid till 30 Jun 2020.
UOB logo
on One Category
S$5 = 10X UNI$
on All Other Spend
S$5 = 1X UNI$
Interest Payment Plans (up to 1 Year)
0% Interest
Apply Now
Maybank logo
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
Maybank logo
Cash Rebates on All Local Spend
Up to 3.33%
Cash Rebate on Overseas Spend
0.3%
Cash Rebate Cap per quarter
S$100
Apply Now
Bank of China logo
Cash Rebate at Departmental Stores
10%
For all Overseas spend
S$1 = 2X Points
For all local spend
S$1 = 1X Point
Apply Now
Bank of China logo
Cash Back at Selected Merchants
5%
Cash Back on Selected Merchants per month
S$25
Min. Spend per month
S$800
Apply Now
UOB logo
on Online Spend
3%
Cash Back Cap per month
S$80
Min. Spend per month
S$600
Apply Now
DBS logo
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
American Express logo
Cash Back for First 6 Months
3%
On All Other Spend
1.5%
Discount at Selected Stores
50%
Apply Now
Online Promo: Receive S$60 CapitaVouchers when you apply and spend! Valid till 30 Jun 2020.
UOB logo
Cash Back On All Spend
Up to 5%
Cash Back Cap per quarter
S$300
Min. Spend per month, per quarter
S$500
Apply Now
UOB logo
Cash Back On All Contactless Payments
Up to 3%
Cash Back Cap
S$50
Min. Spend Per Month
S$400
Apply Now
DBS logo
per S$5 Spent via Visa Contactless Payments
S$5= 3X points
On All Other Spend
S$5= 1X Points
Redeem for Vouchers at Selected Malls
S$50 = 3,200 Points
Apply Now
OCBC logo
Cash Back at FairPrice Stores, Unity and Warehouse Club
Up to 12%
LinkPoints on All Visa Spend outside FairPrice group
0.22%
Min. Spend per month
S$400
Apply Now
OCBC logo
Cash Back at FairPrice Stores, Unity and Warehouse Club
7%
LinkPoints on All Visa Spend outside FairPrice group
0.22%
Min. Spend per month
S$500
Apply Now
Maybank logo
Cash Rebate at selected retail merchants
Up to 8%
Cash Rebate on All Other Spend
0.3%
Cash Rebate Cap per month
S$80
Apply Now
Maybank logo
on Overseas Foreign Currency Spend
S$1 = 5X Points
on All Other Spend
S$1 = 1X Point
Redeem for Vouchers at Selected Malls
S$50 = 17,500 Points
Apply Now
Maybank logo
Cash Rebate on All Local Spend
1.6%
on Spend in Foreign Currency
S$1 = 2X Points
Cash Rebate Cap
Unlimited
Apply Now
Bank of China logo
Local Spend
S$1 = 1.5 Miles
Overseas Spend
S$1 = 3 Miles
converted from 3,200 Points
$10 Taka Voucher
Apply Now
ICBC logo
Cash Back on Local Spend
1.5%
Cash Back on Overseas Spend
3%
Min. Spend per month
S$0
Apply Now
Online Promo: Free Worldwide VIP Lounge Access! Valid till 31 Dec 2020.
UOB logo
on Online Spend
S$5 = 10X UNI$
on All Other Spend
S$5 = 1X UNI$
Interest Payment Plans (up to 2 Years)
0% Interest
Apply Now
ICBC logo
Cash Back on Selected Shopping Merchants
2%
Min. Spend per month
S$0
Cash Back Cap
Unlimited
Apply Now
Online Promo: Free Worldwide VIP Lounge Access! Valid till 31 Dec 2020.

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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.