Compare the Best Credit Cards in Singapore 2024

Looking for the best credit cards in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool. Read More
We found 25 Credit Cards for you!
Sponsored
Citi Cash Back+ Mastercard®
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Promotion ends in
Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
Citi PremierMiles Card
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Promotion ends in
Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = Up to 2 Miles
Selected Online Hotel Bookings
S$1 = Up to 10 Miles

[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony HT-AX7 Portable Theatre System (worth S$769) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
Standard Chartered Simply Cash Credit Card
MoneySmart Exclusive
1.5% UNLIMITED CASHBACK
Promotion ends in
Cash Back on Eligible spend
Up to 1.5%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

Get a Nintendo Switch OLED (worth S$549) or a Hinomi Q1 Ergonomic Chair (worth S$499) or a Apple Watch SE (worth S$382.50) or a Apple AirPods Pro (worth S$365.70) or a ErgoTune Classic Ergonomic Chair (worth S$399) or a Titan V1 Foldable Bike (worth S$399) or up to S$370 Cash via PayNow* when you apply and meet the relevant spend criteria! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
CIMB World Mastercard
MoneySmart Exclusive
Unlimited 2% Cashback | FASTER GIFT REDEMPTION
Unlimited Cashback on the following categories (Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods)
Up to 2%
Min. spend per month to qualify for 2% Unlimited Cashback
S$1,000
Cash Rebate cap
Unlimited

[FASTER GIFT REDEMPTION]
Get S$280 Cash via PayNow, in as fast as 2-3 months when you apply and spend a min of S$988. T&Cs apply.

Valid until 30 Apr 2024 - See more details below
Apply Now
UOB Lady's Card
MoneySmart Exclusive
AMAZING APRIL PROMOTION
Base Earn Rate
S$5 = 1X UNI$ (or 2 miles)
Category of Choice
S$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1)
Min. Spend
S$0

[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Sony PlayStation®5 (SLIM) Disc Edition (worth S$799) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
 
PLUS get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
HSBC TravelOne Card
MoneySmart Exclusive
Earn up to 2.4 Miles | Instant Activation*
on Local Spend
S$1 = 1.2 miles
on Foreign Currency Spend
S$1 = 2.4 Miles
Travel Insurance coverage, Airport Lounge visits
Complimentary

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month. T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Cash Back on Groceries, Petrol & Private Commute
Up to 8%
Total Cash Back Cap, per month
S$80
at Shell & Esso
Up to 20.88% savings

[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
OCBC Rewards Credit Card
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$1 = 1 OCBC$
Rewards to Miles Conversion
10 OCBC$ = 4 Miles
Read More
 OCBC 90°N Card
Earn Miles That Don't Expire
on Agoda accommodations worldwide
S$1 = Up to 7 Miles
on Foreign Currency spend
S$1 = 2.1 Miles
on Local spend
S$1 = 1.3 Miles
Read More
OCBC INFINITY Cashback Card
Earn up to 1.8% unlimited cashback
on eligible transactions
Earn 1.6% Cashback
Min. Spend
S$0
Cashback Cap
Unlimited
Read More
OCBC NXT Credit Card
when monthly bill is above S$1,000
1% Cash Rebates
monthly instalment payments
Interest Free
3 or 6 months
Payments Split into
Read More
DCS Ultimate Platinum MasterCard
Online Promo
Cashback on the first S$10,000 spent
Earn 2%
Min. Spend
S$0
Cash Back Cap per month
S$200
Online Promo:
Receive a pair of GOTRIP luggage bags (worth S$500) when you apply for a minimum of any 2 eligible DCS cards and spend a minimum of $350 monthly for 2 consecutive months OR apply for an eligible DCS card and spend a minimum of S$450 monthly for 2 consecutive months. T&Cs apply.
Valid until 30 Apr 2024 - See more details below
Apply Now
Maybank Family & Friends Card
Earn up to 8% Cashback
globally on 5 preferred cashback categories PLUS all other Malaysian Ringgit spend
Up to 8% Cashback
Unlimited Cashback on all other spend
0.3%
Annual Fee Waiver
3 years
Apply Now
Maybank World Mastercard
on Dining, Retail & Petrol
S$1 = 10X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.5 miles
Waived for each conversion of points to frequent flyer miles
Conversion Fee
Apply Now
POSB Everyday Card
Online Promo
Earn Cash Rebates that Never Expire
Cash rebates on Online Food Delivery
Up to 10%
Cash Rebates on Groceries from Sheng Siong & RedMart
Up to 5%
Fuel Savings at SPC
Up to 20.1% + 2%
Online Promo:
Get S$388 Cashback when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 May 2024 - See more details below
Apply Now
DBS Woman's Card
Online Shopping
on Online Purchases
S$5 = 5 DBS Points (2 Miles per S$1)
on Other Purchases
S$5 = 1 DBS Point (0.4 Miles per S$1)
e-Commerce Protection for Online Purchases
Complimentary
Apply Now
DBS Woman's World Card
on Online Purchases
S$5 = 10 DBS Points (equivalent to 4 Miles per S$1)
on Overseas Purchases
S$5 = 3 DBS Points (equivalent to 1.2 Miles per S$1)
on all Other Purchases
S$5 = 1 DBS Point (equivalent to 0.4 Miles per S$1)
Apply Now
Citi Rewards Card
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
on Online & Shopping Purchases
S$1= 10X Points
for all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles

[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
Maybank DUO Platinum Mastercard
Cashback on petrol spend in Singapore and Malaysia
5%
Cashback on foreign currency spend
1.5%
Cashback cap
Unlimited
Apply Now
UOB PRVI MASTERCARD Miles Card
MoneySmart Exclusive
AMAZING APRIL PROMOTION
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles

[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Sony PlayStation®5 (SLIM) Disc Edition (worth S$799) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
 
PLUS get up to 50,000 miles from UOB when you spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now

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 Credit Card in Singapore 2024

Credit CardBest ForReward Type
Citi Cash Back CardSavings on dining, grocery and grab spendingsCashback
Citi PremierMiles CardEarning bonus miles that do not expireMiles
American Express Singapore Airlines KrisFlyer Ascend Credit CardConvenience and perks for frequent flyersMiles
Standard Chartered Simply Cash Credit CardUnlimited cashback with Ez-link capabilitiesCashback
UOB One CardCard and Savings Account BundleCashback
DBS Live Fresh CardHighest cashback on any contactless paymentCashback
HSBC Advance Credit CardNewlyweds and married couplesCashback
American Express The Platinum Card®High Net-worth IndividualsReward Points
UOB EVOL Credit CardDining and EntertainmentCashback
Standard Chartered Smart Credit CardNetflix, Spotify, fast food dining and public transportCashback

With SmartRewards, you can earn SmartPoints and choose any gift from our Rewards store.

What you can get using Smartpoints

Compare Credit Cards for Everyday Use

When comparing the best credit cards for rewards, it is often a good choice to combine multiple credit cards each specializing in a particular spending type or card feature that best suits your lifestyle. Avoid paring Miles credit cards with Cashback credit cards since these reward types are incompatible. Points credit cards, on the other hand, are more flexible as they can be used to either get cash rebates on specific merchants or convert points into miles to redeem free flight tickets.

Air Miles

Miles Credit Cards

  1. Citi PremierMiles Card: Use for online hotel and flight bookings
  2. UOB PRVI Miles Card: Use for general local spend
  3. American Express Singapore Airlines KrisFlyer Card: Use for earning KrisFlyer miles

Cashback

Cashback Credit Cards

  1. Citi Cash Back Card: Use for grocery shopping worldwide
  2. Standard Chartered Simply Cash Credit Card : Use for unlimited cashback
  3. OCBC 365 Credit Card: Use for spending on everyday dining

Reward Points

Reward Points Credit Cards

  1. Citi Rewards Card: Use for retail shopping to earn extra miles
  2. American Express CapitaCard: Use for shopping at CapitaLand Malls to earn cash rebates
  3. DBS Woman's World Card: Use for free gym memberships

The Ultimate List of Credit Card Reviews in Singapore

Delve into the intricacies of credit card offerings, dissecting features, fees, rewards, and everything in between. We’ve done the dirty work so you don’t have to.

Visa Card vs Mastercard vs American Express

At some point in your life, you’ll probably wonder if there’s a difference between a Visa card and Mastercard (and maybe American Express). Visa, Mastercard and Amex are the 3 big global payment networks. This means they handle all the technical back-end stuff that makes it possible to pay with your credit card anywhere in the world. Visa and Mastercard are extremely widely accepted worldwide, both online and offline. Both payment networks are easy and secure to use. Visa has a slight edge in terms of acceptance, but really, you’ll be fine with either. American Express is a bit less widely accepted globally. It’s in 140 countries compared to Visa and Mastercard’s 200+. However, many people still love using Amex because they have an excellent reputation for customer care. Whichever payment network you choose, you can get a credit card from a bank like DBS or UOB. Note that American Express also issues its own credit cards, even though it’s not a bank.

Minimum Balance Payment for Credit Cards

Is paying the minimum balance bad?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)!

Does paying only minimum balance affect credit score?

Yes, If you plan to apply for any kind of credit or loan (such as a housing loan or car loan) in the future, be aware that any “bad behaviour” with your credit card can come back to haunt you in the form of a bad credit score.

Which Credit Card is the Best in Singapore?

With so many credit cards in Singapore to choose from, it can be difficult to narrow down the best credit cards to suit your lifestyle. Unfortunately, there’s no single best credit card in Singapore. You’ll have to choose the best one for you. Here’s how:

Find a card that fits your spending habits

Think about your current lifestyle and spending habits. What are the things you spend the most money on? For example, if you’re a real foodie and love checking out new restaurants around town, then it makes sense to get a card with rewards points for dining out and useful perks like 1-for-1 buffet promotions.

Plan how to use your credit card benefits

Credit cards come with a whole bunch of benefits, so think about which benefits you actually want to use. Do you want to collect air miles and fund your upcoming travels? Or accumulate points for shopping vouchers? Or would you rather enjoy cash rebates? This is a deeply personal matter - only you can decide how you prefer to be rewarded. Make use of the ongoing credit card promotions to enjoy the full benefits of the card rewards on top of the promotion offer.

Check the Terms & Conditions

Now that you’ve got a shortlist of credit cards, it’s time to dig deeper into the details of the rewards or air miles programmes. Find out all you can about terms and conditions like expiry dates, exclusions, minimum spend, credit limit, etc. Be sure to ask a bank rep to clarify if you don’t see answers anywhere.

Annual Fees are NOT the Only Credit Card Fee!

Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.

Foreign Transaction Fees

This is a fee imposed on overseas spending - whether it’s while you’re traveling or even when making an online purchase on a foreign website. This is usually 2.5% to 3% on top of the prevailing foreign exchange rate.

Cash Advance Fees

Some credit cards allow you to withdraw cash from ATMs, using your credit line. Be prepared to fork out up to 6% of the transaction amount, plus 2%+ daily charges on unpaid withdrawn balance.

Balance Transfer Fees

Charged when you move a balance from one card to another, usually 2% to 4% of the amount transferred.

Frequently Asked Questions

How do credit cards work?

A credit card is basically a way to borrow money from a bank to make purchases. Unlike a bank loan, a credit card “loans” money in smaller amounts and on a short-term basis, requiring you to pay the bank back monthly (or be subject to unpleasant penalties and interest fees). The biggest payment networks are MasterCard, VISA and American Express, but do note that merchants may not accept all types.

How do I apply for a credit card?

Simply fill out an application online or at a bank branch and submit the required documents such as proof of income. After approval, the bank will inform you about how much you are allowed to borrow and mail you your new credit card. You’ll need to activate the credit card as well as sign on the back.

What’s the difference between debit cards and credit cards?

Unlike credit cards, debit cards do not involve any borrowing. They are linked to your bank account, so purchases made on your debit card are paid for by deducting straight from your funds. You must have sufficient funds on hand to use your debit card. If you have a credit card, you can borrow the money for the time being and pay it back later.

How to prevent credit card fraud?

There’s no sure-fire way to prevent credit card fraud, so unfortunately holding a credit card also means being vigilant about making sure it doesn’t end up in the wrong hands. Make use of credit card alerts, monitor your transactions closely, be wary of phishing scams and don’t make it easy for others to get hold of your credit card information.

What should I do with my credit card statement?

It might not be the most fun thing to read, but it IS super important to understand your credit card statement. So don’t throw it away without checking it. Of course, after reading the statement you will have to pay your bill – typically through online banking, though some people use ATMs, SAMs, AXS machines or go to the bank in person.

What if I only make the minimum payment on my bill?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)

What are the hidden credit cards benefits?

Did you know? Credit cards benefits include travel insurance coverage and rental car insurance and many other perks such as access to airport lounges however these benefits can vary depending on the credit card issuer and card type. If you are looking for the best car insurance quotes, our specialists will find it for you!

What are SmartPoints?

SmartPoints is MoneySmart’s reward currency. Earn SmartPoints when you apply for financial products through MoneySmart or when you complete actions on MoneySmart. SmartPoints will be credited to your wallet where eligible. You can then use the SmartPoints in your wallet to redeem gifts from the Rewards Store or even convert them to cash.

What can I use SmartPoints for?

SmartPoints can be used to redeem gifts from the Rewards Store or even convert them to cash.