Best Shopping Credit Cards 2019

1.6%

Cash Back on All Spend

S$0

Spend per month

Unlimited

Cash Back Cap

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

Free S$200 Vouchers

Citi Rewards Card

S$1= 10X Points

on Bags, Shoes, Clothes

S$1 = 1 Point

On All Other Spend

S$50 = 21,000 Points

Redeem for Vouchers at Selected Malls

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers!Valid till 31 Mar 2019.

S$1= 10X Points

on Bags, Shoes, Clothes

S$1 = 1 Point

On All Other Spend

S$50 = 21,000 Points

Redeem for Vouchers at Selected Malls

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers!Valid till 31 Mar 2019.

More Details

Shopping Features

10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)

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

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

More Details

Shopping Features

Earn 10X Rewards (10 DBS Points OR 20 miles per S$5 spend) when shopping online
Earn 3X Rewards (3 DBS Points OR 6 miles per S$5 spend) when shopping overseas
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 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	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

Standard Chartered Spree Credit Card

Cash Back On All Retail Spends

S$60

Cash Back Cap per month

S$0

Min. Spend per month

Get 15% cashback with Grab

Cash Back On All Retail Spends

S$60

Cash Back Cap per month

S$0

Min. Spend per month

More Details

Shopping Features

Get up to S$100 worth of Cashback when you apply for SCB Spree Card via MoneySmart
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

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

Get S$20 CapitaLand Vouchers
Enjoy 1 night stay at Swissotel The Stamford Singapore
+1 more

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

More Details

Other Promotions

Get a Samsonite Sigma 76cm Expandable Spinner

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

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$

Earn up to 32,000 OCBC$ (worth 12,800 Miles)

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$

More Details

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$

Earn up to 32,000 OCBC$ (worth 12,800 Miles)

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$

More Details

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

Get S$200 Vouchers

Citibank SMRT Card

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 CapitaLand Vouchers!Valid till 31 Mar 2019.

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 CapitaLand Vouchers!Valid till 31 Mar 2019.

More Details

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

UOB YOLO Credit Card

on Online Spend

S$80

Cash Back Cap per month

S$600

Min. Spend per month

Get S$100 worth of free Grab rides

on Online Spend

S$80

Cash Back Cap per month

S$600

Min. Spend per month

More Details

Shopping Features

Up to 8% cashback on Online, Grab, Dining and Entertainment spend (3% weekday; 8% weekend)
Up to 28% off at ZALORA, Lazada and more
Up to 18% off at Expedia, Agoda and more
Free Travel Insurance Coverage when you charge your travel tickets to your card (Up to $500,000)
0.3% cash back on all other spend
Minimum spend of S$600 per statement month for 8% and 3% cashback, otherwise 0.3% cashback earned on all spend.
Total cash back capped at S$80 per month, consisting of S$20 bonus cash back and S$60 base cash back

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	N/A
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	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Get S$200 Cash

Standard Chartered Unlimited Cashback Credit Card

1.5%

Cash Back on All Spend with no cap

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get S$200 worth of Cash + Cashback when you apply for SCB Unlimited Cashback Card via MoneySmartValid till 31 Mar 2019.

Get 15% cashback with Grab
+2 more

1.5%

Cash Back on All Spend with no cap

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get S$200 worth of Cash + Cashback when you apply for SCB Unlimited Cashback Card via MoneySmartValid till 31 Mar 2019.

More Details

Other Promotions

Up to 50% off dining at The Fullerton Hotel
3% Cashback on Foreign currency spend

Shopping Features

Get up to S$100 worth of Cashback AND S$100 Cash when you apply for SCB Unlimited Cashback Card
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

American Express True Cashback Card

Cash Back for First 6 Months

1.5%

On All Other Spend

50%

Discount at Selected Stores

Get up to S$60 CapitaLand OR Cold Storage vouchers
Get S$20 CapitaLand Voucher

Cash Back for First 6 Months

1.5%

On All Other Spend

50%

Discount at Selected Stores

More Details

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, Google Pay, Samsung Pay

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$171
Supplementary Annual Fee	85.6
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

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

UOB One Card

Up to 5%

Cash Back On All Spend

S$300

Cash Back Cap per quarter

S$500

Min. Spend per month, per quarter

Redeem an Oasis 500ml Stainless Steel Thermal Bottle
Get S$100 worth of free Grab rides

Up to 5%

Cash Back On All Spend

S$300

Cash Back Cap per quarter

S$500

Min. Spend per month, per quarter

More Details

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 Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	1st supplementary card free; $96.30 for subsequent cards
Fee Waiver	Available
Minimum Monthly Repayment	3% of S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

American Express CapitaCard

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 CapitaLand Voucher
Get S$60 CapitaVouchers AND an American Tourister Erie 64/24 luggage

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

More Details

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 Rate	25.90%
Principle Annual Fee	$171
Supplementary Annual Fee	85.6
Fee Waiver	Available
Minimum Monthly Repayment	3% or $50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

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

Get a Samsonite Astra 55cm luggage (worth S$350) OR S$100 Cash Back + S$20 worth of Grab rides

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

More Details

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 5%

Cash Back on Visa PayWave Purchases

$60

Cash Back Cap per month

$600

Min. Spend Per month

Up to 5%

Cash Back on Visa PayWave Purchases

$60

Cash Back Cap per month

$600

Min. Spend Per month

More Details

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 Rate	25.90%
Principle Annual Fee	$128
Supplementary Annual Fee	64.2
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	$45,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, 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

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

More Details

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 Rate	25.90%
Principle Annual Fee	$161
Supplementary Annual Fee	80.25
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	$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)

Get S$100 worth of free Grab rides

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

0% Interest

Interest Payment Plans (up to 1 Year)

More Details

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

Get S$50 cash credit (Samsonite Orfeo 69cm Spinner FULLY REDEEMED)

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