Why Trust MoneySmart?There isn’t a single “best” bank or credit card in Singapore—the right one depends on your spending habits, lifestyle, and financial goals. Instead of chasing the hottest bank name, match card features—such as cashback rate, rewards flexibility, miles options, category boosts, or special perks—to your real monthly expenses. Below, we group the top credit card options in Singapore by use-case, so you can find the best card for what matters most to you.
Best for overall cash back
UOB Absolute Cashback Card
1.7% unlimited cashback on nearly all spend (including insurance, school fees, telco, etc.)
No minimum spend and no cashback cap
Annual fee: $196.20 (waived 1st year)
For those who want simple, predictable rewards without tracking categories
HSBC Revolution Credit Card
No annual fee, up to 4 miles or 2.5% cashback per $1 on online and contactless spend
Good flat earn rate on everyday essentials with no minimum spend
Best for general spending (flexible rewards)
Citi Rewards Card
10X points on online and shopping transactions (up to S$1,000/month); 1X elsewhere
Points convertible to miles or rebates; 1st year fee waiver
Flexible rewards for online shoppers and those who value redemption options
- on Online Grocery, Food Delivery, Ride-Hailing
- S$1= 10X Points
- for in-store shopping purchases at Department Store, Clothing Stores
- S$1= 10X Points
- for all other purchases
- S$1= 1X Point
First 200 to submit the claim form and meet the S$500 spend within 30 days to enjoy S$420 CASH or a S$500 Amazon.sg Gift Card
Or still grab S$400 Cash or 6,140 SmartPoints (use SmartPoints earned to redeem the latest Apple products on our Rewards Store) if you come after.
Celebrate 11.11 with MoneySmart! Be among the first 11 customers to submit the Claim Form at 11am/11pm each day and get an additional S$11 CASH BONUS! T&Cs apply.
DBS Live Fresh Card
6% cashback on shopping and transport spend, capped at $50 and $20 respectively each month.
0.3% base cashback, $800 minimum spend
1st year annual fee waived, suited for young professionals who want lifestyle flexibility
Best for travel rewards
UOB PRVI Miles Card
1.4 miles per S$1 local, 2.4 miles per S$1 overseas, up to 8 miles per S$1 on Agoda and Expedia
Up to 4 complimentary airport lounge visits per year, wide airline transfer partners
Annual fee: $261.60 (waived 1st year); weigh perks if you travel often
Citi PremierMiles Card
1.2 miles per S$1 local, 2.2 miles per S$1 overseas; miles never expire
2 free lounge visits/year, strong travel insurance coverage
Annual fee: $196.20 (waived 1st year), flexible airline and hotel transfers
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel Bookings
- S$1 = Up to 10 miles
First 200 to submit the claim form and meet the S$500 spend within 30 days to enjoy S$420 CASH or a S$500 Amazon.sg Gift Card
Or still grab S$400 Cash or 6,140 SmartPoints (use SmartPoints earned to redeem the latest Apple products on our Rewards Store) if you come after.
Celebrate 11.11 with MoneySmart! Be among the first 11 customers to submit the Claim Form at 11am/11pm each day and get an additional S$11 CASH BONUS! T&Cs apply.
Best for groceries and dining
Maybank Family & Friends Card
8% cashback on up to 5 chosen categories (dining, groceries, transport, petrol, etc.) with $800/month minimum spend
Cashback cap: $125/month across all categories ($25 per category)
3-year annual fee waiver; solid all-rounder for family and lifestyle spend
OCBC 365 Credit Card
Up to 6% cashback on dining, groceries, fuel, streaming services, and utilities
$800 minimum/month for bonus cashback, 2-year annual fee waiver (fee waiver available yearly with $10,000 spend)
- Cashback on Dining, Groceries, Land Transport & Petrol
- 6%
- in Singapore & Overseas
- Earn on Eligible Spends
- Monthly Cashback, with no category caps
- Up to S$160
Get $200 Cash or 3,000 SmartPoints (enough to redeem an AirPods 5 worth S$219) when you apply and spend a min. of S$400 within 30 days!
Celebrate 11.11 with MoneySmart! Be among the first 11 customers to submit the Claim Form at 11am/11pm each day and get an additional S$11 CASH BONUS! T&Cs apply.
Best for specific spending
Citi Cash Back+ Card
1.6% flat cashback on all spend, no minimum required, no cap
1st year annual fee waived; best as a fuss-free backup for varied expenses
DBS yuu Card
Up to 18% rebate in yuu points at select partners (Cold Storage, Giant, Guardian, BreadTalk, etc.) with $800/month at merchants; yuu points expire after 3 years
No annual fee in year one; pick if you shop often at partner brands
Trust Cashback Credit Card
1% unlimited instant cashback on all spend with zero foreign transaction fees
Up to 15% cashback on your preferred category (dining, shopping, travel, wellness, transport and entertainment), no annual fee
How to choose the right credit card
The “best” card is the one that matches your habits and goals. To make an informed choice in Singapore:
Analyse your last 2–3 months of transactions to spot your highest spend categories (e.g., groceries, dining, travel, online).
Decide if you want simple cashback, flexible rewards, or travel perks.
Check your credit standing and eligibility for the minimum income or age required.
Weigh annual fees against the perks or rebates you’ll realistically use.
Compare welcome offers, earn rates, caps, partner networks, and redemption flexibility.
Choose based on your real lifestyle—not just brand or marketing—and revisit periodically, as both card perks and your needs can change.
