Best Shopping Credit Cards 2019

Updated August 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

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

1%

Cash Back On All Retail Spends

S$60

Cash Back Cap per month

S$0

Min. Spend per month

Shopping Features

  • New-To-Bank customers: Get up to S$80 Cashback when you apply for SCB Rewards
  • Existing customers: Get up to S$20 Cashback when you apply for SCB Rewards
  • 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
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
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$

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$

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$

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$

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

Get Up To S$260 Cash & Cashback

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 up to 5% cashback & S$260 Cash + CashBack & Instant digital card approval with MyInfo! Claim hereValid till 31 Aug 2019.

Up to 1.5%

Cash Back on eligible spend

S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive: Get up to 5% cashback & S$260 Cash + CashBack & Instant digital card approval with MyInfo! Claim hereValid till 31 Aug 2019.

Shopping Features

  • 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

Get S$200 Vouchers!

Citibank SMRT Card

5%

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! Applies to new to bank customers. Claim Here.Valid till 31 Aug 2019.

5%

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! Applies to new to bank customers. Claim Here.Valid till 31 Aug 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

Get S$80 Cash

American Express True Cashback Card

3%

Cash Back for First 6 Months

1.5%

On All Other Spend

50%

Discount at Selected Stores

MoneySmart Exclusive: Get S$80 Cash! Applies to New-to-Bank customers. Claim Here.Valid till 31 Aug 2019.

3%

Cash Back for First 6 Months

1.5%

On All Other Spend

50%

Discount at Selected Stores

MoneySmart Exclusive: Get S$80 Cash! Applies to New-to-Bank customers. Claim Here.Valid till 31 Aug 2019.

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 Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple 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

Up to 5%

Cash Back On All Spend

S$300

Cash Back Cap per quarter

S$500

Min. Spend per month, per quarter

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 Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee1st supplementary card free; $96.30 for subsequent cards
Fee WaiverAvailable
Minimum Monthly Repayment3% of S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
UOB YOLO Credit Card

3%

on Online Spend

S$80

Cash Back Cap per month

S$600

Min. Spend per month

3%

on Online Spend

S$80

Cash Back Cap per month

S$600

Min. Spend per month

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 Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
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 AssociationVisa
Wireless PaymentVisa 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

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

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 Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or $50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple 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

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!Valid till 30 Sep 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!Valid till 30 Sep 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%

Cash Back on Visa Contactless Purchases

$80

Cash Back Cap per month

$600

Min. Spend Per month

Online Promotion: Enjoy up to S$180 cashbackValid till 30 Sep 2019.

Up to 10%

Cash Back on Visa Contactless Purchases

$80

Cash Back Cap per month

$600

Min. Spend Per month

Online Promotion: Enjoy up to S$180 cashbackValid till 30 Sep 2019.

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

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

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

  • Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!

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
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