Best Shopping Credit Cards 2021

Find the best shopping credit cards for both online and offline payments. Earn airmiles, cashback, cash rebate when you shop with it. Read More
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Standard Chartered logo
MoneySmart Exclusive
Unlimited Cashback

Standard Chartered Unlimited Cashback Credit Card

Apply and spend $200 to get $250 cash via PayNow or $50 cash via PayNow + Apple AirPods (bundle worth S$289) delivered to your doorstep for FREE!

Valid until 30 Jun 2021 - See more details below
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FREE $250 Cash OR Apple Airpods + $50 Cash (bundle worth $289) when you apply for a Standard Chartered Unlimited Cashback Card! T&Cs apply.
Apply Now
FREE $250 Cash OR Apple Airpods + $50 Cash (bundle worth $289) when you apply for a Standard Chartered Unlimited Cashback Card! T&Cs apply. image
FREE $250 Cash OR Apple Airpods + $50 Cash (bundle worth $289) when you apply for a Standard Chartered Unlimited Cashback Card! T&Cs apply. image
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American Express logo
MoneySmart Exclusive
Unlimited Cashback

American Express True Cashback Card

Welcome Offer (min spend of S$5,000 in 6months)
3.0% Cashback
On All Other Spend
1.5%
Discount at Selected Stores
50%

Get $160 worth of Shopee Vouchers when you apply and spend on your card!

Valid until 30 Jun 2021 - See more details below
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Citibank logo
Shipping Rebates on Lazada

Citi Lazada Credit Card

on Lazada
10X Reward Points
on Dining, Travel, Entertainment & Commute
5X Reward Points
on Lazada
Up to 4 Free Shipping Rebates per Month
Apply Now
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Citibank logo
MoneySmart Exclusive
No Expiry on Cash Back Earned

Citi Cash Back+ Mastercard®

Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

Double Your Rewards! Get an Extra $350 Cash via PayNow on top of our current gifts - Apple Watch SE delivered to your doorstep (bundle worth $769) OR $350 Cash via PayNow (bundle $700 in cash).

Valid until 25 Jun 2021 - See more details below
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Citibank logo
MoneySmart Exclusive
Earn Points for Online Spending

Citi Rewards Card

on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point

Double Your Rewards! Get an Extra $350 Cash via PayNow on top of our current gifts - Apple Watch SE delivered to your doorstep (bundle worth $769) OR $350 Cash via PayNow (bundle $700 in cash).

Valid until 25 Jun 2021 - See more details below
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DBS logo
Online Promo
Online & Visa Contactless Spend

DBS Live Fresh Card

on Online & Visa Contactless Spend
Up to 5% Cashback
On all other spend
0.3% Cashback
via RebateMango
Up to 5.7% cashback
Online Promo:
Get S$300 Cashback from DBS with 1 eligible transaction when you apply online for a participating Credit Card with the promo code “MEGAFLASH”.
Valid until 28 Jun 2021 - See more details below
Apply Now
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UOB logo
Online Promo

UOB One Card

Cash Back On All Daily Essentials
Up to 10%
Rebate Cap per quarter
S$300
Min. Spend per month, per quarter
S$500
Online Promo:
Receive S$150 cash credit if you are among the first 100 successful applicants to make a min. spend of S$1,500 within 30 days of card approval. Applicable to new-to-card customers only
Valid until 30 Jun 2021 - See more details below
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POSB logo
Online Promo
Earn Cash Rebates that Never Expire

POSB Everyday Card

Cash rebates at Watsons
Up to 8%
Cash Rebates with S$15 spend at Pet Lovers Centre
3%
Cash Rebates for all other Spend
0.3%
Online Promo:
Get S$300 Cashback from DBS with 1 eligible transaction when you apply online for a participating Credit Card with the promo code “MEGAFLASH”.
Valid until 28 Jun 2021 - See more details below
Apply Now
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Citibank logo
MoneySmart Exclusive
Cashback on Dining, Groceries & Grab

Citi Cash Back Card

Cash Back on Dining, Groceries & Petrol
Up to 8%
Total Cash Back Cap, per month
S$80
Min. Spend per month
S$800

Double Your Rewards! Get an Extra $350 Cash via PayNow on top of our current gifts - Apple Watch SE delivered to your doorstep (bundle worth $769) OR $350 Cash via PayNow (bundle $700 in cash).

Valid until 25 Jun 2021 - See more details below
Apply Now
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DBS logo
Online Promo

DBS Woman's World Card

on Online Spend
S$5= 10X Points
on Overseas Spend
S$5= 3X Points
Redeem for Vouchers at Selected Malls
S$50 = 3,200 Points
Online Promo:
Get S$300 Cashback from DBS with 1 eligible transaction when you apply online for a participating Credit Card with the promo code “MEGAFLASH”.
Valid until 28 Jun 2021 - See more details below
Apply Now
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OCBC logo
Earn Miles That Don't Expire

OCBC 90°N Card

Cash Back on Eligible Spend
1.2%
on selected Airlines and Shops
S$1 = 4 Miles
Min. spend per month
S$0
Apply Now
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American Express logo

American Express Platinum Credit Card

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
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OCBC logo

OCBC Titanium Rewards Card (Blue)

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
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DBS logo
Online Promo
Online Shopping

DBS Woman's Card

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
Online Promo:
Get S$300 Cashback from DBS with 1 eligible transaction when you apply online for a participating Credit Card with the promo code “MEGAFLASH”.
Valid until 28 Jun 2021 - See more details below
Apply Now
More Details
OCBC logo

OCBC Titanium Rewards Card (Pink)

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
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ICBC logo

ICBC Chinese Zodiac Credit Card

Cash Back on All Spend
1.6%
Spend per month
S$0
Cash Back Cap
Unlimited
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Maybank logo

Maybank World Mastercard

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
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Maybank logo
Online Promo

Maybank Platinum Visa Card

Cash Rebates on All Local Spend
Up to 3.33%
Cash Rebate on Overseas Spend
0.3%
Cash Rebate Cap per quarter
S$100
Online Promo:
Get S$100 Cash Credit with Maybank Credit Cards and CreditAble!
Valid until 30 Jun 2021 - See more details below
Apply Now
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Bank of China logo

Bank of China Zaobao Credit Card

Cash Rebate at Departmental Stores
Up to 5%
Cash Rebate on Online Spend
Up to 3%
Min. Spend per month
S$600
Read More
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Bank of China logo

Bank of China Family Card

Cash Back at Selected Merchants
5%
Min. Spend per month
S$800
Cashback cap per month
S$25
Read More
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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.