Best Shopping Credit Cards 2018

Updated July 2018

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.

Other Shopping Cards
American Express Platinum Credit Card
Excellent
American Express Platinum Credit Card
Excellent

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

  • Online Exclusive: Get S$150 Cold Storage Vouchers

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
  • 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 Rates

Principle Annual Fee
$321
Supplementary Annual Fee
160.5
Fee Waiver
Perpetual fee waiver for first 2 supplementary cards
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$50,000
Non-Singaporean Minimum Income
$60,000
Citibank SMRT Card
Very Good
Citibank SMRT Card
Very Good

5%

Cash Back on Movies, Toys and Books

S$600

Cash Back Cap per year

S$300

Min. Spend per month

  • Get 5% Cash Back with Apple Pay

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 $300)
  • 5% Cash Back in SMRT$ per S$1 spent on Apple Pay, capped at 600SMRT$ per year, excludes other promotional earn rates, valid till 31 Jul 2018
  • 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 Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
2 years fee waiver for Principal and two (2) Supplementary cards
Annual Interest Rate
26.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$42,000
American Express True Cashback Card
Very Good
American Express True Cashback Card
Very Good

3%

Cash Back for First 6 Months

1.5%

On All Other Spend

50%

Discount at Selected Stores

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

Annual Rates

Principle Annual Fee
$171
Supplementary Annual Fee
85.6
Fee Waiver
1 year fee waiver for Principal card, perpetual fee waiver for first 2 supplementary cards
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$60,000
HSBC Revolution Credit Card
Very Good
HSBC Revolution Credit Card
Very Good

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

  • Option 1: Get a Samsonite Astra 55cm luggage (worth S$350)
  • Option 2: S$100 Cash Back

Shopping Features

  • 5X Rewards points (or 2 air miles) per $1 spent on Online, Dining and Entertainment 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 Rates

Principle Annual Fee
$150
Supplementary Annual Fee
0.0
Fee Waiver
2 years fee waiver, subsequent years waived with min. spend of $12,500 p.a.
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
Standard Chartered Unlimited Cashback Credit Card
Very Good
Standard Chartered Unlimited Cashback Credit Card
Very Good

1.5%

Cash Back on All Spend with no cap

S$0

Min. Spend per month

Unlimited

Cash Back Cap

  • Get up to S$100 cash back when you apply online
  • Enjoy 20% cashback on your Grab Rides

Shopping Features

  • 1.5% cashback on all other eligible spend
  • No cashback cap and no minimum spend

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
0.0
Fee Waiver
2 years fee waiver
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$60,000
American Express CapitaCard
Very Good
American Express CapitaCard
Very Good

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$60 CapitaVouchers

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 Rates

Principle Annual Fee
$171
Supplementary Annual Fee
85.6
Fee Waiver
1 year fee waiver and perpetual fee waiver for first 2 Supplementary cards
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$60,000
DBS Woman's Card
Very Good
DBS Woman's Card
Very Good

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

  • Win a pair of SQ Suites return tickets to one of these 5 locations

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 Rates

Principle Annual Fee
$161
Supplementary Annual Fee
80.25
Fee Waiver
1 year fee waiver, subsequent years waived with a minimum spend of S$15,000 p.a.
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$45,000
DBS Live Fresh Card
Very Good
DBS Live Fresh Card
Very Good

Up to 5%

Cash Back on Visa PayWave Purchases

$60

Cash Back Cap per month

$600

Min. Spend Per month

  • Win a pair of SQ Suites return tickets to one of these 5 locations

Shopping Features

  • Online shopping and payment via contactless methods get 5% cashback
  • Contactless Payments: Visa payWave, Apple Pay, Samsung Pay, Google Pay

Annual Rates

Principle Annual Fee
$128
Supplementary Annual Fee
64.2
Fee Waiver
1 year fee waiver
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$45,000
UOB Lady's Card
Very Good
UOB Lady's Card
Very Good

S$5= 5X UNI$

on Overseas Departmental Stores

S$5 = 1X UNI$

on All Other Spend

0% Interest

Interest Payment Plans (up to 1 Year)

  • Get up to $150 cash credit when you sign up for the Lady's Card

Shopping Features

  • 5X UNI$ on your shopping (local & overseas)
  • 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 Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
UOB One Card
Very Good
UOB One Card
Very Good

Up to 5%

Cash Back On All Spend

S$300

Cash Back Cap per quarter

S$500

Min. Spend per month, per quarter

  • Get up to $150 Cash Credit when you apply online

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 Rates

Principle Annual Fee
$193
Supplementary Annual Fee
1st supplementary card free; $96.30 for subsequent cards
Fee Waiver
1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
Maybank World Mastercard
Very Good
Maybank World Mastercard
Very Good

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 a Samsonite Orfeo 69cm Spinner (worth S$420)

Shopping Features

  • Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on selected retail merchants

Annual Rates

Principle Annual Fee
$240
Supplementary Annual Fee
Free
Fee Waiver
1 year fee waiver; subsequent years waived with total minimum spend of S$24,000 per annum
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$80,000
Non-Singaporean Minimum Income
$80,000
Maybank Platinum Visa Card
Very Good
Maybank Platinum Visa Card
Very Good

Up to 3.33%

Cash Rebates on All Local Spend

0.3%

Cash Rebate on Overseas Spend

S$100

Cash Rebate Cap per quarter

  • Get a Samsonite Orfeo 69cm Spinner (worth S$420)

Shopping Features

Annual Rates

Principle Annual Fee
$0
Supplementary Annual Fee
0.0
Fee Waiver
Waived when card is charged once every 3 months
Annual Interest Rate
15.00%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$60,000
DBS Takashimaya American Express Card
Very Good
DBS Takashimaya American Express Card
Very Good

S$10= 2 Taka Points

at Takashimaya Department Store & Takashimaya Square, B2

S$10= 2 Taka Points

On All Other Spend at Selected Stores

10%

Additional Discount at Selected Malls

Shopping Features

  • 2 Takashimaya Bonus Points = S$10
  • Get a $30 Takashimaya Voucher with 100 points ($500 spend)
  • Enjoy an additional 10% discount at Takashimaya SC during selected sale events
  • Enjoy 3% discount at Takashimaya Japan and receive 5% discount for cash payments with min. purchase of JPY3,000

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver, subsequent years waived with min. spend of $6,000 p.a.
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$45,000
UOB YOLO Credit Card
Satisfactory
UOB YOLO Credit Card
Satisfactory

3%

Cash Back On Online Fashion

S$60

Cash Back Cap per month

S$600

Min. Spend per month

  • Get up to $150 cash credit when you apply online

Shopping Features

  • 3% cash rebate on Online Fashion
  • Up to 13% 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 rebate on all other spend
  • Minimum spend of S$600 per statement month for 3% rebate, otherwise 0.3% rebate earned on all spend. Total rebate capped at S$60 per month

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
N/A
Fee Waiver
1 year fee waiver for Principal card, free first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
UOB Delight Card
Satisfactory
UOB Delight Card
Satisfactory

Up to 3%

Cash Back On All Contactless Payments

S$50

Cash Back Cap

S$400

Min. Spend Per Month

  • Get up to $150 cash credit when you apply online

Shopping Features

  • Up to 10% SMART$ rebate at over 400 participating outlets islandwide including Ogawa, Breadtalk, EpiCentre, Cathay Cineplexes, Tissot, AirAsia and many more

Annual Rates

Principle Annual Fee
$86
Supplementary Annual Fee
53.5
Fee Waiver
1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
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