Best Shopping Credit Cards 2026

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We found 22 credit cards for you!

FASTER REWARD FULFILMENT | UNLIMITED 1.6% CASHBACK
Citi Cash Back+ Card image
Citi Cash Back+ Card
1.6%
Cash Back on Eligible Spend
S$0
Min. Spend per month
Unlimited
Cash Back Cap

APPLY NOW for Citi Cash Back+ Card
on Citibank's secure site
FASTER REWARD FULFILMENT | 10X POINTS FOR SPENDS
Citi Rewards Card image
Citi Rewards Card
S$1= 10X Points
on Online Grocery, Food Delivery, Ride-Hailing
S$1= 10X Points
for in-store shopping purchases at Department Store, Clothing Stores
S$1= 1X Point
for all other purchases

APPLY NOW for Citi Rewards Card
on Citibank's secure site
High Spend on Dining
OCBC 365 Credit Card image
OCBC 365 Credit Card
6%
Cashback on Dining, Groceries, Land Transport & Petrol
Earn on Eligible Spends
in Singapore & Overseas
Up to S$160
Monthly Cashback, with no category caps

APPLY NOW for OCBC 365 Credit Card
on OCBC's secure site
FASTER REWARD FULFILMENT | EARN UP TO 5% SMRT$
Citi SMRT Card image
Citi SMRT Card
5% Savings
on Online Purchases, Groceries, Taxi, Ride-hailing, SimplyGo & Malaysia Ringgit Spend
0.3% Savings
on Other Retail Spend
S$500
Min. Spend per statement month to earn max rebates

APPLY NOW for Citi SMRT Card
on Citibank's secure site
Get up to 3 NVIDIA Shares
Standard Chartered Simply Cash Credit Card and Bonus$aver Account image
Standard Chartered Simply Cash Credit Card and Bonus$aver Account
Up to 3 NVIDIA shares
Welcome Rewards
Earn 1.5% unlimited cashback
on eligible spends with Simply Cash Credit Card
Up to 7.35% p.a. interest
on your savings with a Bonus$aver Account

APPLY NOW for Standard Chartered Simply Cash Credit Card and Bonus$aver Account
on Standard Chartered's secure site
Earn 1.6% unlimited cashback
OCBC INFINITY Cashback Card image
OCBC INFINITY Cashback Card
Earn 1.6% Cashback
on eligible transactions
S$0
Min. Spend
Unlimited
Cashback Cap

APPLY NOW for OCBC INFINITY Cashback Card
on OCBC's secure site
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK
Citi Cash Back Card image
Citi Cash Back Card
Up to 8%
Cash Back on Groceries, Petrol & Private Commute
S$80
Total Cash Back Cap, per month
S$800
Min. Spend to unlock the 8% Cashback

APPLY NOW for Citi Cash Back Card
on Citibank's secure site
Earn up to 6 miles per S$1 spent
OCBC Rewards Credit Card image
OCBC Rewards Credit Card
Earn 15 OCBC$ (equivalent to 6 air miles)
for every S$1 spent at Watsons and certain online shopping platforms
S$1 = 1 OCBC$
on All Other Spend
S$10 Robinsons Voucher
with 3,500 OCBC$

APPLY NOW for OCBC Rewards Credit Card
on OCBC's secure site
Earn Stockback | First in Singapore!
Trust Freedom Credit Card image
Trust Freedom Credit Card
3%
Stockback
Up to 1.5%
Unlimited Cashback
Up to 15%
Bonus Cashback

APPLY NOW for Trust Freedom Credit Card
on Trust Bank's secure site
Get up to 3 NVIDIA Shares
Standard Chartered Journey Credit Card and Bonus$aver Account image
Standard Chartered Journey Credit Card and Bonus$aver Account
Up to 3 NVIDIA shares
Welcome Rewards
Up to 3 miles per S$1
on eligible spend with Journey Credit Card
Up to 7.35% p.a. interest
on your savings with a Bonus$aver Account

APPLY NOW for Standard Chartered Journey Credit Card and Bonus$aver Account
on Standard Chartered's secure site
Ideal for Dining and Lifestyle
American Express Platinum Credit Card image
American Express Platinum Credit Card
10 Membership Rewards Points
for every full S$1.60 spend at participating Platinum 10Xcelerator Partners
2 Membership Rewards Points
for every full S$1.60 on All Other Eligible Spend
90 days
Purchase Protection*

APPLY NOW for American Express Platinum Credit Card
on American Express's secure site
Unlimited Cashback
American Express True Cashback Card image
American Express True Cashback Card
3.0% Cashback
on all eligible purchases, up to S$5,000 spend in first 6 months for new Card Members
1.5% Cashback
all subsequent eligible purchases
Unlimited
Cash Back Cap

APPLY NOW for American Express True Cashback Card
on American Express's secure site
Earn Miles That Don't Expire
OCBC 90°N Card image
OCBC 90°N Card
S$1 = 2.1 Miles
on Foreign Currency Spend
S$1 = 1.3 Miles
on Local Spend
S$0
Min. spend per month

APPLY NOW for OCBC 90°N Card
on OCBC's secure site
DCS Flex Visa Platinum Card image
DCS Flex Visa Platinum Card
S$1 = 2.4 miles or 8% cash rebate/ investment credits/ carbon credits
on Foreign Currency Spend
S$1 = 1.8 miles or 6% cash rebate/ investment credits/ carbon credits
on Online & Contactless Spend in SGD
S$1 = 0.4 miles or 0.3% cash rebate/ investment credits/ carbon credits
on All Other Spend

APPLY NOW for DCS Flex Visa Platinum Card
on DCS's secure site
LIMITED OFFER - GET $150 OFF LATEST PRO IPHONES
Citi M1 Credit Card image
Citi M1 Credit Card
Earn 4.7% Bonus Citi Rebate
on your recurring M1 bills
Enjoy 2.7% Bonus Citi M1 Rebate
on M1 Telco Bill Charges
Enjoy 2.7% Bonus Citi M1 Rebate
on in-store purchases at M1 Shops

APPLY NOW for Citi M1 Credit Card
on Citibank's secure site
Circles Zerofy Visa Cashback Card image
Circles Zerofy Visa Cashback Card
Unlimited 1% Cashback
on Local & Overseas Spends
Instant
Cashback Confirmation
Zero Tricks
No FX Fees, No Min Spend, No Cap

APPLY NOW for Circles Zerofy Visa Cashback Card
on Circles.Life's secure site
Annual Fee Waived
Standard Chartered Journey Credit Card (No Annual Fee) image
Standard Chartered Journey Credit Card (No Annual Fee)
S$1 = 3 Miles
on Food Delivery & Online Grocery merchants
S$1 = 2 Miles
for all Eligible Foreign Spends
S$1 = 1.2 Miles
for all Eligible Local Spends

Read More about Standard Chartered Journey Credit Card (No Annual Fee)
Standard Chartered Visa Infinite Credit Card image
Standard Chartered Visa Infinite Credit Card
S$1 = 3 miles
on Overseas Spend
S$1 = 1.4 miles
on Local Spend
Over 3,000
Shopping Offers with The Good Life®

Read More about Standard Chartered Visa Infinite Credit Card
SINGLE APPLICATION JOURNEY
Standard Chartered Simply Cash + Credit Card Funds Transfer image
Standard Chartered Simply Cash + Credit Card Funds Transfer
0.6% Cashback
with new Credit Card Funds Transfer applications
2% Cashback
with min. of S$800 per month
From 0.99%
Low Processing Fee

Read More about Standard Chartered Simply Cash + Credit Card Funds Transfer

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Best Online Shopping Credit Cards in Singapore

Online shopping credit card Earn rateReward categories
Online shopping credit cardCitibank Rewards Card Earn rate S$1 = 4 milesReward categories Online shopping (excl. travel)
Online shopping credit cardDBS Woman’s World Card Earn rate S$1 = 4 milesReward categories 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.

Discover Other Best Credit Cards For Online Shopping Here!

Read More

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.

FAQs on Shopping Credit Cards

What is the best card for big purchases in Singapore?

The best credit card for big purchases is one with unlimited rewards—not a category/cap card. For cashback, the UOB Absolute Cashback Card gives 1.7% rebate (AMEX-only), Citi Cash Back+. For miles, UOB PRVI Miles, DBS Altitude, and Citi PremierMiles provide uncapped miles on all spend.

Which credit card is best for shopping in Singapore?

The best shopping card depends on whether you prefer cashback or miles, and if you shop more online or in-store. For online cashback, the CIMB Visa Signature gives 10% on online, groceries, and wellness (min. $800/month, $20/cap/category, no fee). For strong miles, Citi Rewards and DBS Woman's World offer 4 mpd on online and department store spend (monthly caps apply).