Best Shopping Credit Cards 2020

Find the best shopping credit cards for both online and offline payments. Earn airmiles, cashback, cash rebate when you shop with it. Read More
We found 34 Credit Cards for you!
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Citibank logo
MoneySmart Exclusive
No Expiry on Cash Back Earned
Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap
Unlimited
Get $350 Cash via PayNow when you apply and spend on your card! 
Valid until 06 Dec 2020 - See T&Cs below
Apply Now
Citibank logo
MoneySmart Exclusive
Earn Points for Online Spending
on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point
Get $350 Cash via PayNow when you apply and spend on your card! 
Valid until 06 Dec 2020 - See T&Cs below
Apply Now
Standard Chartered logo
No Minimum Spend for Cashback
Cash Back On All Retail Spends
1%
Cash Back Cap per month
S$60
Min. Spend per month
S$0
Apply Now
DBS logo
Online & Visa Contactless Spend
on Online & Visa Contactless Spend
Up to 5% Cashback
On all other spend
0.3% Cashback
via RebateMango
Up to 5.7% cashback
Apply Now
Citibank logo
MoneySmart Exclusive
Cashback on Dining, Groceries & Grab
Cash Back on Dining, Groceries & Petrol
8%
Cash Back Cap per category, per month
S$25
Min. Spend per month
S$888
Get $350 Cash via PayNow when you apply and spend on your card! 
Valid until 06 Dec 2020 - See T&Cs below
Apply Now
American Express logo
Online Promo
Unlimited Cashback
Cash Back for First 6 Months
3%
On All Other Spend
1.5%
Discount at Selected Stores
50%
Online Promo:
Get $120 Vouchers from Amex on top of their BAU acquisition offers when you apply and spend on your card!
Valid until 14 Dec 2020 - See T&Cs below
Apply Now
UOB logo
Cash Back On All Daily Essentials
Up to 10%
Rebate Cap per quarter
S$300
Min. Spend per month, per quarter
S$500
Apply Now
UOB logo
on Online Spend
3%
Cash Back Cap per month
S$80
Min. Spend per month
S$600
Apply Now
American Express logo
Online Promo
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
Online Promo:
Get $120 Vouchers from Amex on top of their BAU acquisition offers when you apply and spend on your card!
Valid until 14 Dec 2020 - See T&Cs below
Apply Now
POSB logo
Earn Cash Rebates that Never Expire
Cash rebates at Watsons
3%
Cash Rebates with S$15 spend at Pet Lovers Centre
3%
Rebates on everything
0.3%
Apply Now
DBS logo
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
Apply Now
OCBC logo
Earn Miles That Don't Expire
Cash Back on Eligible Spend
1.2%
on selected Airlines and Shops
S$1 = 4 Miles
Min. spend per month
S$0
Apply Now
Citibank logo
No Minimum Spend for Cashback
Cash Back on Movies, Toys and Books
5%
Cash Back Cap per year
S$600
Min. Spend per month
S$300
Apply Now
OCBC logo
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
DBS logo
Online Shopping
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
Apply Now
OCBC logo
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
ICBC logo
Online Promo
Cash Back on All Spend
1.6%
Spend per month
S$0
Cash Back Cap
Unlimited
Online Promo:
Free Worldwide VIP Lounge Access!
Valid until 31 Dec 2020 - See T&Cs below
Read More
Maybank logo
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
Maybank logo
Online Promo
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 31 Dec 2020 - See T&Cs below
Apply Now
Bank of China logo
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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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.