Why Trust MoneySmart?The highest unlimited flat-rate cashback credit card in Singapore is the UOB Absolute Cashback Card, offering 1.7% cashback with no minimum spend and no cap. However, if you spend mostly in specific categories like groceries, dining, or online shopping, some cards can give much higher promotional rates—such as up to 21% at FairPrice with the NTUC Link Credit Card by Trust. Choosing the best credit card in Singapore comes down to your personal spending patterns and whether you prefer a set-and-forget flat-rate card, or if you can consistently meet the conditions of high-category cards.
Best unlimited cashback cards
Flat-rate, no-cap cards are best for those who want simple, predictable cashback on varied or large purchases.
Citi Cash Back+ Card: 1.6% unlimited cashback with no minimum spend; Mastercard is widely accepted at almost all merchants.
UOB Absolute Cashback Card: 1.7% unlimited cashback on almost all spending—including typically excluded categories like insurance and utilities. The main limitation: it’s an American Express card, which isn’t accepted everywhere in Singapore.
OCBC INFINITY Cashback Card: Also 1.6% unlimited cashback, no minimum spend; Mastercard acceptance offers more flexibility than American Express.
If you make large one-off purchases or value fuss-free rewards across all categories, these are leading choices. Just keep in mind the acceptance network: Mastercard is more universally accepted than American Express in Singapore.
Highest cashback for specific categories
If you can consistently meet monthly minimum spending and don’t mind caps, certain cards offer extremely high cashback rates for designated categories. Note that these cards often enforce caps, selected merchants, or set minimum spends.
Dining:
HSBC Live+ Card: 8% cashback on dining, shopping, and entertainment (Valid for cards issued from 1 Apr 2025 to 31 Mar 2026.); $600 monthly spend needed.
Maybank Family & Friends: Up to 8% cashback when you pick dining as one of five categories, $800 minimum spend.
Online shopping:
HSBC Live+ Card: 8% cashback on shopping, and entertainment (Valid for cards issued from 1 Apr 2025 to 31 Mar 2026.); $600 monthly spend needed.
UOB EVOL Card: 10% cashback on local online and mobile contactless spending; $800 minimum monthly spend, $30 cashback monthly cap.
OCBC FRANK Card: 8% cashback on online and mobile contactless spend; $800 monthly minimum spend, $25 cashback cap.
Groceries:
NTUC Link Credit Card by Trust: Up to 21% cashback at FairPrice for NTUC union members (tiered rates based on spend and membership status).
DBS yuu Card: Up to 18% cash rebates at yuu merchants (including Cold Storage and Giant) with a minimum $800 monthly spend.
CIMB Visa Signature: 10% cashback on groceries and select categories, with a minimum $800 monthly spend, capped at $20 per category.
Transport:
UOB One Card: Up to 10% cashback (for $2,000/month spend), or 8.33% at the $600/$1,000 tiers.
Citi Cash Back Card: Up to 8% cashback on petrol/private commute, $800 minimum monthly spend, $80 monthly cashback cap.
Choosing the right card
The biggest cashback rate isn’t always best if it comes with tough conditions or category restrictions. To pick the card that’s right for your lifestyle:
Check monthly spend requirements and caps: High rate cards usually demand you hit specific minimum spends and have caps on monthly cashback.
Review merchant/partner restrictions: Some cards limit high cashback to select outlets (e.g., FairPrice, Cold Storage, or yuu network merchants).
Note card acceptance: Amex cards like UOB Absolute may not be as widely accepted as Visa or Mastercard; Mastercard options offer more universal use.
Choose for simplicity or stack with intent: If you prefer one fuss-free card, a flat-rate unlimited cashback card is easiest. If you’re happy to track categories and caps—and can reliably meet them—combine category cards for maximum returns.
