Best Shopping Credit Cards 2019

Updated December 2019

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

Win iPhone 11, Dyson & more!

Standard Chartered Spree Credit Card

1%

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

1%

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.

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 Rate26.90%
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
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.

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 Rate26.88%
Principle Annual Fee$193
Supplementary Annual FeeS$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
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.

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
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.

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
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

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 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

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.

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 Rate26.90%
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
Citibank SMRT Card

5%

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.

5%

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.

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
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.

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
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.

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 Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee Waiver1 year
Minimum Monthly Repayment3.00% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa 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.

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 Rate26.80%
Principle Annual Fee$161
Supplementary Annual FeeS$80.25
Fee WaiverAvailable
Minimum Monthly Repayment3.00% 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

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)

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 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
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

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
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

Shopping Features

Annual Interest Rate and Fees

Annual Interest Rate15.00%
Principle Annual Fee$0
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa 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

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 Rate28.88%
Principle Annual Fee$203
Supplementary Annual FeeS$101.65
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
Bank of China Family Card

5%

Cash Back at Selected Merchants

S$25

Cash Back on Selected Merchants per month

S$800

Min. Spend per month

5%

Cash Back at Selected Merchants

S$25

Cash Back on Selected Merchants per month

S$800

Min. Spend per month

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 Rate28.88%
    Principle Annual Fee$203
    Supplementary Annual FeeS$101.65
    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 PaymentVisa payWave
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