Best Shopping Credit Cards 2023

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 38 Credit Cards for you!
Sponsored
Standard Chartered logo
MoneySmart Exclusive
Earn Unlimited 1.5% Cashback
Cash Back on Eligible spend
Up to 1.5%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

Get up to S$350 Cash via PayNow* OR an Apple Watch SE, 40mm GPS (worth S$382.50) OR a Titan V1 7-Speed Foldable Bike (worth S$399) OR a Nintendo Switch OLED (worth S$549) when you apply and spend a min. of S$500 in Eligible Transactions. T&Cs apply

Valid until 04 Oct 2023 - See more details below
Promotion ends in
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Citibank logo
MoneySmart Exclusive
Faster Gift Redemption
Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

Get an Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a S$450 Amazon SG Gift Card OR S$300 Cash via PayNow when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date. T&Cs apply

Valid until 15 Oct 2023 - See more details below
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American Express logo
MoneySmart Exclusive
for every full S$1.60 spend at participating Platinum 10Xcelerator Partners
10 Membership Rewards Points
for every full S$1.60 spend on All Other Spend
2 Membership Rewards Points
Purchase Protection*
90 days
Get up to S$200 Statement Credits from Amex when you apply, pay the card's Annual Fee, and spend a min of S$3,000 within three month of card approval. T&Cs Apply.
Valid until 31 Oct 2023 - See more details below
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OCBC logo
MoneySmart Exclusive
Earn Miles That Don't Expire
on Foreign Currency Spend
S$1 = 2.1 Miles
on Local Spend
S$1 = 1.3 Miles
Min. spend per month
S$0

Get a Sony LinkBuds S Earbuds (worth S$302) OR S$180 eCapita Vouchers OR S$150 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply

Valid until 07 Oct 2023 - See more details below
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UOB logo
MoneySmart Exclusive
MoneySmart x UOB GIVEAWAY
Cash Back On All Daily Essentials
Up to 10%
Rebate Cap per quarter
S$300
Min. Spend per month, per quarter
S$500

[MoneySmart GIVEAWAY]
Stand to receive a ASUS Vivobook x BAPE ® (worth S$2,349) OR a Sony PlayStation®5 Disc Console (worth S$799) OR a Nintendo Switch OLED (worth S$549) when you successfully apply for an eligible UOB Credit Card through MoneySmart and meet the Giveaway eligibility criteria! T&Cs apply. 

PLUS get up to 15% Cashback and S$350 Cash Credit from UOB when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 for 2 consecutive months from card approval date. T&Cs apply!

Valid until 17 Oct 2023 - See more details below
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OCBC logo
MoneySmart Exclusive
Earn up to 4 miles per S$1 spent
on Eligible Local and Overseas Spend
S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)
on All Other Spend
S$1 = 1 OCBC$
with 3,500 OCBC$
S$10 Robinsons Voucher

Get a Sony LinkBuds S Earbuds (worth S$302) OR S$180 eCapita Vouchers OR S$150 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply

Valid until 07 Oct 2023 - See more details below
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DBS logo
Online Promo
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
Online Promo:
Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jan 2024 - See more details below
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HSBC logo
MoneySmart Exclusive
Earn up to 3.5% Cashback
Base Cashback
1.5%
Cashback when you spend more than S$2,000
2.5%
Bonus Cashback
3.5%
Get a Samsonite ZELTUS 69cm Spinner Exp Luggage with built-in scale (worth S$680) or S$150 cashback for new HSBC credit cardholders. Existing HSBC credit cardholders receive $50 cashback. Min. spends of S$1,000 upon card approval required and marketing consent provided upon applying. T&Cs apply. 
Valid until 31 Dec 2023 - See more details below
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American Express logo
Online Promo
Ideal for frequent small business travellers
per S$1 spent on eligible Singapore Airlines and Scoot flights
Earn up to 8.5 HighFlyer Points
per S$1 spent on all eligible purchases (worth 1.8 KrisFlyer miles)
Earn 1.8 HighFlyer Points
worth S$418 offering a free night's stay every year
Complimentary Accor Plus Membership
Online Promo:
Get a Samsonite Choca Spinner 68/25 (worth S$700) upon Annual Card Fee payment and minimum eligible spending of S$500 in the first month of Card approval.

PLUS enjoy a welcome offer of up to 74,400 HighFlyer points (worth S$708), a complimentary Accor Plus membership (worth S$418 offering a free night's stay every year), and up to 20,000 HighFlyer points (worth S$190).T&Cs apply.
Valid until 03 Oct 2023 - See more details below
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POSB logo
Online Promo
Earn Cash Rebates that Never Expire
Cash Rebates on Online Shopping
Up to 5%
Cash Rebates at POPULAR Online Store
Up to 8%
Cash Rebate at Watsons
Up to 3%
Online Promo:
Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jan 2024 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
Faster Gift Redemption
Cash Back on Dining, Groceries & Petrol
Up to 8%
Total Cash Back Cap, per month
S$80
From Shell & Esso
Up to 20.88% savings

Get an Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a S$450 Amazon SG Gift Card OR S$300 Cash via PayNow when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date. T&Cs apply

Valid until 15 Oct 2023 - See more details below
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American Express logo
Unlimited Cashback
Welcome Bonus (min. spend of $5,000 on eligible purchases in 6 months)
3.0% Cashback
On All Other Spend
1.5%
Discount at Selected Stores
50%
Read More
DBS logo
Online Promo
on Online Spend
S$5 = 10 DBS Points (equivalent to 4 Miles per S$1)
on Overseas Spend
S$5 = 3 DBS Points (equivalent to 1.4 Miles per S$1)
on All Other Spend
S$5 = 1 DBS Point (equivalent to 0.4 Miles per S$1)
Online Promo:
Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jan 2024 - See more details below
Apply Now
DBS logo
Online Promo
Online Shopping
On Online Spend
S$5 = 5 DBS Points (2 Miles per S$1)
On All Other Spend
S$5= 1 DBS Point (0.4 Miles per S$1)
e-Commerce Protection for Online Purchases
Complimentary
Online Promo:
Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jan 2024 - See more details below
Apply Now
OCBC logo
MoneySmart Exclusive
Earn up to 4 miles per S$1 spent
on Eligible Local and Overseas Spend
S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)
on All Other Spend
S$1 = 1 OCBC$
with 3,500 OCBC$
S$10 Robinsons Voucher

Get a Sony LinkBuds S Earbuds (worth S$302) OR S$180 eCapita Vouchers OR S$150 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply

Valid until 07 Oct 2023 - See more details below
Apply Now
DBS logo
Online Promo
Miles or Cashback – you decide
Local Spend
S$1 = 1.5 miles or 1.5% cashback
Overseas Spend
S$1 = 2.2 miles or 2.2% cashback
Min. Spend per month
S$0
Online Promo:
Get up to 60,000 miles when you sign up with promo code VANMILES and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 31 Jan 2024 - See more details below
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Citibank logo
MoneySmart Exclusive
Faster Gift Redemption
on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point

Get an Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a S$450 Amazon SG Gift Card OR S$300 Cash via PayNow when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date. T&Cs apply

Valid until 15 Oct 2023 - See more details below
Apply Now
ICBC logo
Cash Back on All Spend
1.6%
Spend per month
S$0
Cash Back Cap
Unlimited
Read More
Citibank logo
Shipping Rebates on Lazada
on Lazada
10X Reward Points
on Dining, Travel, Entertainment & Commute
5X Reward Points
on Lazada
Up to 4 Free Shipping Rebates per Month
Read More
Maybank logo
Online Promo
on Selected Retail Merchants
10X Points
on All Other Retail Spend
1X Point
Redeem for Vouchers at Selected Malls
S$50 = 17,500 Points
Online Promo:
Get $200 cashback OR an Apple AirPods 3rd Generation (worth S$261.40) OR a pair of American Tourister Linex 66/24 Luggage TSA (worth S$336) when you successfully apply for a Maybank Credit Card AND a CreditAble account, and spend a min. of S$600 on Eligible Transactions each month for 2 consecutive months from card approval date. T&Cs apply.
Valid until 31 Oct 2023 - See more details below
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Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

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.