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 29 Credit Cards for you!
UOB One Card
MoneySmart Exclusive
LUCKY DRAW | Up to 10% Cashback
Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more
Up to 10%
Cashback Cap per quarter
Up to S$500
Min. Spend per month
S$500

[LUCKY DRAW]
Stand a chance to win a Cartier Santos-Dumont Watch - Large Model, Blue (worth S$6,000) or an Apple 11-inch iPad Air WiFi, 128GB (worth S$899) or a Sony PlayStation 5 SLIM Digital Edition (worth S$669) when you apply and spend a min. of S$1,000 in Eligible Transactions each month for the first two consecutive months from the card approval date. T&Cs apply.
 
PLUS get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in July 2024 who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.

Valid until 11 Aug 2024 - See more details below
Apply Now
HSBC Live+ Card
MoneySmart Exclusive
Up to 8% Cashback
on Dining, Shopping and Entertainment
8% Cashback*
on fuel at Caltex and Shell gas stations in Singapore
5% Cashback*
on All Other Spends
0.3% Cashback*
For a limited time only, New Cardholders can get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) OR S$200 Cashback, AND get additional S$100 Cashback when you charge at least 1 Qualifying Transaction from Card Account Opening Date to the end of the following month.

Existing Cardholders can get S$50 Cashback when you spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following month AND provide marketing consent in the application form! T&Cs apply.

Live your adventure with HSBC Credit Cards! From 25 June to 23 September 2024, apply, activate and spend with HSBC credit cards and stand to win an all-electric Mercedes-Benz EQB and round-trip air tickets to Paris! T&Cs apply.
Valid until 30 Sep 2024 - See more details below
Apply Now
OCBC 365 Credit Card
MoneySmart Exclusive
LUCKY DRAW | High Spend on Dining
Cashback on Fuel Spends
6%
Cashback on Everyday Dining
5%
with min. spend of $1,600 per month
Unlock up to $160 Cashback

[LUCKY DRAW]
Stand a chance to win A Pair of Cat 1 Tickets to Jay Chou Carnival World Tour 2024 - Singapore (worth S$796) when you apply & submit the MoneySmart Claim Form (without the Unique Redemption Code first*) by 4 Sept 2024! No min spend required!
 
[MONEYSMART EXCLUSIVE GIFT]
Earn 1,890 SmartPoints or S$200 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.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.

Valid until 04 Aug 2024 - See more details below
Apply Now
UOB EVOL Credit Card
MoneySmart Exclusive
LUCKY DRAW | Up to 10% Cashback
on Online, Mobile Contactless, Overseas in-store FX spend
10% Cashback
Cash Back Cap per month
Up to S$80
Min. Spend per month
S$800

[LUCKY DRAW]
Stand a chance to win a Cartier Santos-Dumont Watch - Large Model, Blue (worth S$6,000) or an Apple 11-inch iPad Air WiFi, 128GB (worth S$899) or a Sony PlayStation 5 SLIM Digital Edition (worth S$669) when you apply and spend a min. of S$1,000 in Eligible Transactions each month for the first two consecutive months from the card approval date. T&Cs apply.
 
PLUS get an Apple Watch SE 2nd Gen with CASETiFY Impact Band (worth S$453) from UOB when you are the first 50 new-to-UOB credit card customers in each calendar month from 7 June 2024 to 31 July 2024 to successfully apply and spend a min. of S$1,000 per month for the 2 first consecutive months from their card approval date. T&Cs apply.

Valid until 11 Aug 2024 - See more details below
Apply Now
Standard Chartered Smart Credit Card
MoneySmart Exclusive
Up to 6% Cashback
Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.
6%*
Annual Fee
S$0
Minimum Spend
S$0

Get S$200 Cash via PayNow  or 2,990 SmartPoints when you apply and spend a min. of S$500 in eligible transactions within 30 days from card approval date. T&Cs apply.
 
Use 2,990 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2-inch iPad Wi‑Fi 64GB (9th Generation) at only S$205 on top of your earned SmartPoints.

Valid until 31 Jul 2024 - See more details below
Apply Now
Standard Chartered Journey Credit Card (No Annual Fee)
MoneySmart Exclusive
Annual Fee Waived
for every S$1 spend on Transportation, Food Delivery & Online Grocery merchants. Capped at 3,000 Miles in a statement cycle
S$1 = 3 Miles
for all Eligible Foreign Spends
S$1 = 2 Miles
for all Eligible Local Spends
S$1 = 1.2 Miles

[Trip.com Coupon FLASH DEAL]
Get UPSIZED REWARDS of up to S$230* when you apply through MoneySmart. No min spend required! T&Cs apply.
 
PLUS earn up to 25,000 Miles when you sign up for the Journey Credit Card, meet the eligible spends and waive your card's first year Annual Fee. T&Cs apply.

Valid until 31 Jul 2024 - See more details below
Apply Now
Maybank Horizon Visa Signature
Online Promo
on Air Tickets and Foreign Currency Spend
S$1 = 7X Points
on local Shopping, Groceries, Dining, Hotel Bookings
S$1 = 3X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or 10,000 Bonus Air Miles*, or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 Cashback when you apply for a new Maybank Credit Card and a CreditAble account, spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Apply Now
 HSBC Advance Credit Card
MoneySmart Exclusive
Earn up to 2.5% Cashback | Instant Activation*
Base Cashback
1.5%
Cashback when you spend more than S$2,000
2.5%
Cashback Cap per month
S$70
New Cardholders can get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$200 Cashback from HSBC, while Existing Cardholders can get S$50 Cashback when you spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following month AND provide marketing consent in the application form! T&Cs apply.

PLUS live your adventure with HSBC Credit Cards! From 25 June to 23 September 2024, apply, activate and spend with HSBC credit cards and stand to win an all-electric Mercedes-Benz EQB and round-trip air tickets to Paris! T&Cs apply.
Valid until 30 Sep 2024 - See more details below
Apply Now
CIMB Visa Infinite
Online Promo
Unlimited 2% Cashback
Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
2%
Min. spend per month
S$2,000
Cash Rebate cap
Unlimited
Online Promo:
Get up to S$188 Cashback when you spend a minimum of S$988 in Eligible Transactions within 60 days from card approval date. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Apply Now
HSBC Visa Infinite Credit Card
Local Spend
S$1 = Up to 1.25 Miles
Overseas Spend
S$1 = Up to 2.25 Miles
for personalized assistance
Dedicated Concierge Service
Apply Now
Standard Chartered Rewards+ Credit Card
MoneySmart Exclusive
Earn up to 10X Rewards Points
on Foreign Currency Spend
S$1= 10X Points
on Local Dining Spend
S$1= 5X Points
on All Other Spend
S$1= 1X Point

Get S$200 Cash via PayNow  or 2,990 SmartPoints when you apply and spend a min. of S$500 in eligible transactions within 30 days from card approval date. T&Cs apply.
 
Use 2,990 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2-inch iPad Wi‑Fi 64GB (9th Generation) at only S$205 on top of your earned SmartPoints.

Valid until 31 Jul 2024 - See more details below
Apply Now
OCBC 90°N Visa Card
MoneySmart Exclusive
LUCKY DRAW | 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

[LUCKY DRAW | TRIP.COM FLASH DEAL]
Stand a chance to win A Pair of Cat 1 Tickets to Jay Chou Carnival World Tour 2024 - Singapore (worth S$796) when you apply & submit the MoneySmart Claim Form (without the Unique Redemption Code first*) by 4 Sept 2024! No min spend required!
 
[MONEYSMART EXCLUSIVE GIFT]
Get an additional S$80 Trip.com Coupon on top of 1,890 SmartPoints or S$200 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.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.

Valid until 31 Jul 2024 - See more details below
Apply Now
DBS yuu Visa Card
Online Promo
at yuu merchants, with no min. spend and no cap
S$1 = 10X yuu Points
when you spend S$600 Qualifying Spend at yuu merchants in a calendar month
Additional bonus 26X yuu Points
on all other spend
S$1 = 1X yuu Point
Online Promo:
New Cardmembers can get S$150 cashback when you successfully apply for a DBS yuu Visa Card and make a min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Sep 2024 - See more details below
Apply Now
DBS Live Fresh Card
Online Promo
Shopping and Transportation
on Shopping & Transport Spend
Up to 6% Cashback
Min. Spend
S$800
Cashback Cap
Up to S$70
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 Jul 2024 - See more details below
Apply Now
DBS Altitude Visa Signature Card
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.3 Miles
Overseas Spend (made in foreign currency)
S$1 = 2.2 Miles
On Travel Spend at Agoda
S$1 = Up to 4.3 Miles
Online Promo:
Get up to 30,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$800 within 60 days from card approval date. T&Cs apply
Valid until 30 Sep 2024 - See more details below
Apply Now
CIMB Visa Signature
Online Promo
Up to 10% Cashback
Cash Back on Beauty & Wellness, Online Shopping, Groceries
10%
Min. spend per month to qualify for the 10% Cash Back
S$800
Cash Back Cap per month
S$100
Online Promo:
Get up to S$188 Cashback when you spend a minimum of S$988 in Eligible Transactions within 60 days from card approval date. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Apply Now
Maybank Manchester United Platinum Visa Card
Online Promo
when Man. United win a Premier League match
Earn 5X TREATS Points
when Man. United win a Premier League match
Up to 3% Cashback
on All Spends
1% Unlimited Cashback
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 Cashback when you apply for a new Maybank Credit Card and a CreditAble account, spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Apply Now
Maybank FC Barcelona Visa Signature
Online Promo
on All Local Spend
1.6% Unlimited Cashback
on Spend in Foreign Currency
S$1 = 2X Points
Min. Spend per month
S$0
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 Cashback when you apply for a new Maybank Credit Card and a CreditAble account, spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Apply Now
Maybank Platinum Visa Card
Online Promo
Cashback on Local & Foreign Spend
Up to 3.33%
Min. Spend per month
S$300
Cashback Cap per quarter when you spend S$300 per month
S$30
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 Cashback when you apply for a new Maybank Credit Card and a CreditAble account, spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Apply Now
Citi SMRT Card
No Minimum Spend for Cashback
Cash Back on Eligible Spend
5%
Cash Back Cap per year
S$600
Min. Spend per month
S$500
Read More

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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.