Best DBS Credit Cards in Singapore 2026 Comparison
Looking for the best DBS credit cards in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool.
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We found 12 DBS credit cards for you!
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Shopping and Transportation
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APPLY NOW for DBS Live Fresh Card
on DBS's secure site
APPLY NOW for DBS yuu Visa Card
on DBS's secure site
APPLY NOW for DBS yuu American Express® Card
on DBS's secure site
Earn Miles That Never Expire
APPLY NOW for DBS Altitude Visa Signature Card
on DBS's secure site
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Miles or Cashback – you decide
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APPLY NOW for DBS Vantage Visa Infinite Card
on DBS's secure site
Earn Miles That Never Expire
APPLY NOW for DBS Altitude American Express Card
on DBS's secure site
Online Shopping
APPLY NOW for DBS Woman's Card
on DBS's secure site
APPLY NOW for DBS Woman's World Card
on DBS's secure site
Frequent Shoppers at Takashimaya
APPLY NOW for DBS Takashimaya American Express Card
on DBS's secure site
APPLY NOW for DBS Esso Card
on DBS's secure site
APPLY NOW for SAFRA DBS Card
on DBS's secure site
APPLY NOW for DBS Live Fresh Student Card
on DBS's secure site
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.
⭐ MoneySmart Recommends
We recommend the HSBC Revolution Card as the go-to everyday rewards card. Since 1 April 2026, it now earns up to bonus 20X Reward points, or 8 miles per S$1 (8 mpd), when paired with an HSBC Everyday Global Account (min. S$50,000 in deposits). Otherwise, it still earns its usual bonus 10X Reward Point (4 mpd or 2.5% cashback) on online and contactless spending (including dining, shopping, travel, ride-hailing, taxis, and memberships locally and internationally) with zero annual fee, making it one of the most accessible high-earn cards in Singapore.
Alternatively, if you travel a few times a year and want miles that never expire, the Citi PremierMiles Card is a reliable accumulator with 2.2 mpd on overseas spend and no earnings cap.
For straightforward cashback on daily essentials, the Standard Chartered Simply Cash Card gives you a no-fuss 1.5% cashback on everything with no min. spend and no cap, while the OCBC 365 Card rewards bigger spenders with up to 5% cashback on dining and food delivery, alongside 6% back on petrol, with min. S$800 eligible spend per month.
Alternatively, if you travel a few times a year and want miles that never expire, the Citi PremierMiles Card is a reliable accumulator with 2.2 mpd on overseas spend and no earnings cap.
For straightforward cashback on daily essentials, the Standard Chartered Simply Cash Card gives you a no-fuss 1.5% cashback on everything with no min. spend and no cap, while the OCBC 365 Card rewards bigger spenders with up to 5% cashback on dining and food delivery, alongside 6% back on petrol, with min. S$800 eligible spend per month.
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MoneySmart is Singapore’s most trusted personal finance platform, known for delivering accurate, unbiased, and transparent financial advice. Backed by over a decade of experience, our team of experts rigorously research and review financial products from everything across credit cards to personal loans to insurance. We aim to empower you to make confident, well-informed money decisions.
Best Credit Cards in Singapore 2026
| Credit Card Name | Annual Fee | Minimum Income |
|---|---|---|
| Credit Card NameHSBC Revolution Card | Annual FeeNo annual fee | Minimum IncomeSingaporeans/PRs: S$30,000 Foreigners: S$60,000 |
| Credit Card NameCiti PremierMiles Card | Annual FeeS$196.20 (1st year annual fee waived) | Minimum IncomeSingaporeans/PRs: S$30,000 Foreigners: S$42,000 |
| Credit Card NameStandard Chartered Simply Cash Card | Annual FeeS$196.20 (1st year waived) | Minimum IncomeSingaporeans/PRs: $30,000 Foreigners:$90,000 |
| Credit Card NameOCBC 365 Card | Annual Fee$196.20 (1st year waived) | Minimum IncomeSingaporeans/PRs: $30,000 Foreigners: $45,000 |
| Credit Card NameCiti Cash Back+ Card | Annual Fee$196.20 (1st year waived) | Minimum IncomeSingaporeans/PRs: $30,000 Foreigners: $42,000 |
| Credit Card NameUOB EVOL Credit Card | Annual FeeNo annual fee with minimum 3 eligible monthly transactions | Minimum IncomeSingaporeans/PRs: $30,000 Foreigners: $40,000 |
| Credit Card NameHSBC Live+ Card | Annual Fee$196.20 (1st year waived) Subsequent fee waivers available with > $12,500 annual spend | Minimum IncomeSingaporeans/PRs: $30,000 Foreigners: $60,000 |
| Credit Card NameCashback Credit Card by Trust | Annual FeeNo annual fee | Minimum IncomeSingaporeans/PRs: $30,000 Foreigners: $60,000 |
| Credit Card NameCiti SMRT Card | Annual Fee$196.20 (First 2 years waived) | Minimum IncomeSingaporeans/PRs: $30,000 Foreigners: $42,000 |
| Credit Card NameOCBC INFINITY Cashback Card | Annual Fee$196.20 (1st year waived) | Minimum IncomeSingaporeans/PRs: $30,000 Foreigners: $45,000 |
Best Credit Cards for Everyday Spending
While there’s no hard or fast rule or one-size-fits-all approach to an effective credit card strategy, a good place to start is learning what benefits each type of card offers and how it may serve your expenditure habits and preferences.
When choosing the best everyday credit card, it helps to combine multiple credit cards that specialise in different spending categories or offer card features that align with your lifestyle.
Air Miles
Miles Credit Cards
Air miles credit cards are designed for both miles chasers and frequent travellers. Every dollar spent earns you miles that can be redeemed for free flights, seat upgrades, or travel perks.
Depending on the card, you can earn miles on everyday purchases or specific transactions like hotel and flight bookings—making them some of the best miles credit cards in Singapore if you travel often or want to save up for big redemptions.
Depending on the card, you can earn miles on everyday purchases or specific transactions like hotel and flight bookings—making them some of the best miles credit cards in Singapore if you travel often or want to save up for big redemptions.
Cashback
Cashback Credit Cards
Cashback credit cards reward you with a percentage of your spending returned as cash rebates. Many cashback cards are great practical choices for everyday expenses like groceries, dining, or public transport.
Some cards even offer higher cashback rates for specific categories, whereas others provide unlimited cashback on all purchases—perfect if you’re searching for the best daily use cashback card in Singapore that’s effortless and fuss-free without needing strategic usage.
Some cards even offer higher cashback rates for specific categories, whereas others provide unlimited cashback on all purchases—perfect if you’re searching for the best daily use cashback card in Singapore that’s effortless and fuss-free without needing strategic usage.
Reward Points
Reward Points Credit Cards
Reward points credit cards let you earn points for every dollar spent, which you can later redeem for vouchers, merchandise, or even convert into air miles.
They are flexible because you can choose how to use your rewards, whether it’s offsetting purchases at selected merchants or turning them into travel miles when you need them.
They are flexible because you can choose how to use your rewards, whether it’s offsetting purchases at selected merchants or turning them into travel miles when you need them.
Latest MoneySmart Exclusive Credit Card Promotions 2026
| Credit Card | Card highlights | Promotion | Valid until |
|---|---|---|---|
| HSBC Revolution Credit Card |
| Receive S$400 Cash or 6,140 SmartPoints (S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month
May Mystery Madness offers an extra gift draw with prizes including • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 1 Jun 2026 till 4 Jun 2026 |
| Citi PremierMiles Card |
| Earn S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 in Gifts) when you spend a minimum of S$500 within 30 days. Plus, grab an extra gift in the May Mystery Madness — win additional prizes such as: • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 2 Jun 2026 till 4 Jun 2026 |
| HSBC Live+ Card |
| Receive S$400 Cash or 6,140 SmartPoints (S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month
May Mystery Madness offers an extra gift draw with prizes including • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 1 Jun 2026 till 4 Jun 2026 |
| Citi Cash Back+ Card |
| Earn S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 in Gifts) when you spend a minimum of S$500 within 30 days. Plus, grab an extra gift in the May Mystery Madness — win additional prizes such as: • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 2 Jun 2026 till 4 Jun 2026 |
| Citi Rewards Card |
| Earn S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 in Gifts) when you spend a minimum of S$500 within 30 days. Plus, grab an extra gift in the May Mystery Madness — win additional prizes such as: • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 2 Jun 2026 till 4 Jun 2026 |
| HSBC TravelOne Card |
| Receive S$400 Cash or 6,140 SmartPoints (S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month
May Mystery Madness offers an extra gift draw with prizes including • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 1 Jun 2026 till 4 Jun 2026 |
| Standard Chartered Simply Cash Credit Card |
| Receive S$350 Cash via PayNow or 4,000 SmartPoints when you spend min. S$800 in 30 days and apply to any of the following SCB products through MoneySmart: Bonus$aver Account, CashOne Loan, EasyPay or Funds Transfer. Worth up to S$469 in gifts. | 1 Jun 2026 till 15 Jun 2026 |
| Citi SMRT Card |
| Earn S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 in Gifts) when you spend a minimum of S$500 within 30 days. Plus, grab an extra gift in the May Mystery Madness — win additional prizes such as: • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 2 Jun 2026 till 4 Jun 2026 |
| Standard Chartered Journey Credit Card (Annual Fee Payable) |
| Receive S$180 cash via PayNow or 2,800 SmartPoints (worth up to S$429 in gifts) when you spend at least S$800 within 60 days and apply for any of the following SCB products through MoneySmart: Bonus$aver Account, CashOne Loan, EasyPay or Funds Transfer.
Earn 30,000 miles after spending at least S$800 within the first 60 days of card approval and paying the first-year annual fee. | 1 Jun 2026 till 15 Jun 2026 |
| Standard Chartered Journey Credit Card (No Annual Fee) |
| Receive S$180 cash via PayNow or 2,800 SmartPoints (worth up to S$429 in gifts) after you spend a minimum of S$800 within 60 days and apply to any of the following SCB products through MoneySmart: Bonus$aver Account, CashOne Loan, EasyPay or Funds Transfer.
Get 20,000 miles when you spend a minimum of S$800 within the first 60 days of card approval. | 1 Jun 2026 till 15 Jun 2026 |
| HSBC Advance Credit Card |
| Receive S$400 Cash or 6,140 SmartPoints (S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month
May Mystery Madness offers an extra gift draw with prizes including • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 1 Jun 2026 till 4 Jun 2026 |
| Citi Cash Back Card |
| Earn S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 in Gifts) when you spend a minimum of S$500 within 30 days. Plus, grab an extra gift in the May Mystery Madness — win additional prizes such as: • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 2 Jun 2026 till 4 Jun 2026 |
| Citi M1 Credit Card |
| Earn S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 in Gifts) when you spend a minimum of S$500 within 30 days. Plus, grab an extra gift in the May Mystery Madness — win additional prizes such as: • Apple MacBook Neo (worth $849) • Sony PS5 (worth $799) • Nintendo Switch 2 (worth $719) • Apple Watch Series 11 (worth $599) • Apple AirPods Pro 3 (worth $349) • S$100 Grab Vouchers | 2 Jun 2026 till 4 Jun 2026 |
Credit Cards Recommendations
Discover the ultimate credit card recommendations designed to cater to your diverse financial needs. Whether you're a jetsetter, cost-conscious individual, or on the hunt for exclusive deals, read our list of articles to find your perfect card.
Guides
- How to Apply for and Use a Credit Card in Singapore
- Credit Limit Singapore: What It's Based On & How to Increase It
- Best Secured Credit Cards for Bad Credit in Singapore
- Best Credit Cards For Hospital & Medical Bills
- Best Credit Card for Paying Electricity Retailer & SP Bills
- Best Credit Cards to Earn KrisFlyer Miles in Singapore
What is the Credit Card Limit in Singapore?
For those up to 55 years old
For those over 55 years old
- If your annual income is above $30,000 but less than $120,000, your total credit card limit is capped at up to 4 times your monthly income, across all unsecured cards.
- For annual incomes $120,000 and above, there is no regulatory cap; the bank sets your limit at its discretion.
- These maximums cover all your unsecured credit lines, not just one credit card or bank.
For those over 55 years old
- For Singapore residents aged over 55, MAS considers both annual income and net personal assets when setting credit card limits. This balances retirees’ lower incomes with their potential accumulated assets.
- If annual income is $15,000 or less and net personal assets are between $750,000 and $2,000,000: the credit limit is fixed at $2,500.
- If annual income is $15,000 to $30,000 (net personal assets up to $2,000,000): limit is up to 2 times monthly income.
- If annual income is $30,000 to $120,000 (net personal assets up to $2,000,000): limit is up to 4 times monthly income.
- If annual income is above $120,000, or net personal assets exceed $2,000,000: there is no set regulatory cap and banks will determine your limit.
| Annual Income | Net Assets | MAS Credit Limit |
|---|---|---|
| ≤ $15,000 | $750,000–$2,000,000 | $2,500 |
| $15,000–$30,000 | ≤ $2,000,000 | Up to 2× monthly income |
| $30,000–$120,000 | ≤ $2,000,000 | Up to 4× monthly income |
| > $120,000 | / or > $2,000,000 | No regulatory cap |
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.
What Customers are Saying About Our Credit Card Applications (From Google Reviews)
Which Credit Card is the Best in Singapore?
With so many options to choose from, there isn’t a single best credit card in Singapore. By thinking about what you spend the most on, it’s easy to shortlist a suitable credit card that amplifies those benefits, with the help of our MoneySmart comparison tools, of course. Hence, you can ponder whether you are:
Foodies and social spender: Check out our cashback credit cards for dining perks and cash rebates.
Frequent traveller: Explore miles credit cards to earn air miles for free flights and travel upgrades.
Everyday essentials: Consider fuss-free credit cards rewarding on everyday expenses like groceries, public transport, shopping, and more. Rewards credit cards are great, allowing you to redeem points for cash rebates, miles, or more retail vouchers.
Besides these, choosing the right one also largely depends on your lifestyle and spending habits.
Foodies and social spender: Check out our cashback credit cards for dining perks and cash rebates.
Frequent traveller: Explore miles credit cards to earn air miles for free flights and travel upgrades.
Everyday essentials: Consider fuss-free credit cards rewarding on everyday expenses like groceries, public transport, shopping, and more. Rewards credit cards are great, allowing you to redeem points for cash rebates, miles, or more retail vouchers.
Besides these, choosing the right one also largely depends on your lifestyle and spending habits.
Find a card that suits your spending habits
Consider your lifestyle and regular/biggest expenses to identify whether cashback, miles, or points reward you with the best value.
Maximise your credit card benefits
Once you’ve narrowed down your spending patterns, choose the card type that rewards those categories most effectively.
Annual Fees are NOT the Only Credit Card Fee!
Annual fees aren’t the only charges to look out for when using a credit card in Singapore. Other common costs include:
- Foreign transaction fees: 2.5% to 3.25% on top of prevailing exchange rates when spending overseas or shopping on foreign websites.
- Cash advance fees: Up to 8% of the transaction amount when withdrawing cash from your credit line.
- Balance transfer fees: 2% to 4.5% when transferring a balance from one card to another.
Common Credit Card Fees in Singapore
The following are typical credit card fees and their ranges in Singapore. Each fee type has its own considerations, and some can be reduced or avoided with good habits or by choosing certain cards. The sections below detail common fee amounts, waivers, and how they apply.
Annual fees
Interest charges
Foreign Currency Transaction Fees
Late Payment Fees
Cash Advance Fees
Annual fees
- Basic entry-level cards: Typically have annual fees of around $180 to $200 (GST-inclusive).
- Premium or high-tier cards: May charge annual fees around $600 or more. For example, the DBS Vantage Visa Infinite Card has an annual fee of $599.50 after GST.
- Top-tier premium cards: Can charge annual fees upwards of $1,500, such as the American Express The Platinum Card.
- Fee waivers: Many annual fees can be waived if you meet a minimum annual spend or call the bank to request a waiver.
- Lifetime fee waivers: Some cards, such as many cards from CIMB, offer lifetime annual fee waivers.
Interest charges
- Standard interest rates: The prevailing purchase interest rate is usually 25% to 28% per annum, calculated daily on outstanding balances.
- Penalty interest: Missing the minimum payment can result in a higher interest rate—some banks may increase rates (e.g., DBS up to 30.80% p.a.).
- Avoiding interest: You can avoid all interest charges by paying your full statement balance by the due date each month.
Foreign Currency Transaction Fees
- Foreign currency fee: Most credit cards charge a foreign currency fee of about 3.25% of the transaction amount.
- Fee breakdown: This fee is made up of a bank administrative fee and a separate charge by Visa or Mastercard.
Late Payment Fees
- Late payment fee: A common late payment fee is a flat $100.
- Interest impact: After a late payment, interest applies to your entire outstanding balance in addition to the late fee charged.
Cash Advance Fees
- Cash advance fee: Cash advance transactions typically incur a fee of about 8% of the cash amount withdrawn, often with a minimum charge of S$15.
- Immediate interest: Interest on cash advances starts accruing immediately from the date of the transaction, unlike retail purchases.
How to Apply for a Credit Card in Singapore?
With so many banks in Singapore, it’s easy to feel overwhelmed scrolling across multiple websites to compare bank credit cards and their perks. Here at MoneySmart, we consolidate the best credit card options all in one streamlined platform so you can make an informed choice. Here’s a quick credit card application guide covering both eligibility and the application process for most credit cards in Singapore.
Credit card eligibility
Before applying for a credit card in Singapore, you’ll usually need to meet the following eligibility criteria in Singapore:
If you don’t meet these requirements, banks also offer alternative eligibility proof methods like placing a fixed deposit as collateral. In doing so, you can build your credit history while enjoying the same access and functionality to a credit card.
- Age: At least 21 years old
- Minimum annual income (Singaporeans/PRs): Typically $30,000
- Minimum annual income (Foreigners): $45,000–$90,000
If you don’t meet these requirements, banks also offer alternative eligibility proof methods like placing a fixed deposit as collateral. In doing so, you can build your credit history while enjoying the same access and functionality to a credit card.
Credit card application process
Thanks to the advancement of modern technology, most banks now let you apply for a credit card online in minutes.
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Step #1: Simply select your preferred credit card on our MoneySmart comparison list, and click on its respective “Apply Now” button.
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Step #2: Log in via Singpass MyInfo, and submit any required documents. Some issuers even feature easy approval credit cards in Singapore, with near-instant approvals if you meet the criteria.
💡 MoneySmart Tip: Did you know that you can start using your card via digital wallets like Apple/Google Pay even before your digital card arrives?
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Step #3: Once approved, your digital card should be ready and available for activation fairly quickly via the bank’s app. Otherwise, your physical card will also typically arrive within 5–7 working days.
What if my application is declined?
Credit card application rejections can happen if you don’t meet income requirements, have an unstable credit history, or already hold too many cards. If this happens, consider a secured card first, or work on improving your credit score before re-applying.
Looking for Credit Card Buffet Promotions?
Check out our compiled list of the latest credit card promotions and buffet prices to help you dine smart and save more!
Credit Card Benefits, Perks, & Demographic Fit
When choosing a credit card, the right fit depends not just on rewards, but also on your lifestyle and income profile. Below, we map out the most common personas to help you see which credit card perks in Singapore make sense for you—whether that’s cashback, miles, or dining benefits.
Fresh Graduates (~$2,800/month)
As a fresh grad, since you’re starting out, you’ll probably want a credit card with low entry requirements, strong everyday cashback, and perks that serve lifestyle essentials and benefits. Choosing a good first credit card also sets you up for success at building a reputable credit score and credit history responsibly.
⭐ Best for: Day-to-day affordability and first-time card users, especially for cards like UOB EVOL and HSBC Revolution that don’t have any annual fees.
Best Credit Cards for Fresh Graduates
| Card type | Credit card | Card benefits |
|---|---|---|
| Card typeCashback | Credit cardUOB EVOL Card | Card benefits
|
| Card typeAir miles | Credit cardCiti PremierMiles Card | Card benefits
|
| Card typeRewards | Credit cardHSBC Revolution Card | Card benefits
|
Young Professional (~$4,500/month)
At this stage, a card with higher cashback rates or entry-level miles is ideal. You’ll want cashback on dining, transport, and online shopping, or flexible rewards to stretch your dollar.
⭐ Best for: Maximising lifestyle perks without high fees, especially for the HSBC TravelOne Card with complimentary airport lounge visits.
Best Credit Cards for Young Professionals
| Card type | Credit card | Card benefits |
|---|---|---|
| Card typeCashback | Credit cardOCBC 365 Card | Card benefits
|
| Card typeAir miles | Credit cardHSBC TravelOne Card | Card benefits
|
| Card typeRewards | Credit cardOCBC Rewards Credit Card | Card benefits
|
With SmartRewards, you can earn SmartPoints and choose any gift from our Rewards store.
Frequently Asked Questions
What are the latest credit card promotions in Singapore 2026?
- Credit card promos update on a monthly basis, usually offering cashback or free gifts. On MoneySmart, we feature limited-time exclusive deals and bank promos, highlighting their expiry so that you can apply before the best deals end!
Which credit card offers the highest cashback for dining?
As of 2026, the Trust Cashback Card offers up to 15% cashback on dining (capped at S$250/quarter). Other strong options include the UOB One Card (up to 10% cashback), Citi Cash Back Card (8% cashback), and OCBC 365 Card (5% cashback). Cashback caps and conditions vary, so compare dining cards at MoneySmart before applying.
What is the best credit card in Singapore for air miles?
- For high earn rates, cards like the HSBC Revolution and UOB Lady’s Card offer up to 4 miles per dollar on selected categories. For general travel spending, cards such as the DBS Altitude,Citi PremierMiles, and HSBC TravelOne earn around 1.2–1.3 miles per dollar locally and 2.2–2.4 miles overseas, making them strong all-rounders.
How do I apply for a credit card in Singapore online?
- You can apply for a credit card via MoneySmart (or directly with banks). Simply click on your preferred card’s “Apply Now” button, retrieve your details with SingPass (or fill up manually), upload any relevant documents needed, and wait for approval.
What are the eligibility requirements for a Singapore credit card?
- Most banks in Singapore require credit card applicants to be at least 21 years old and earn a minimum $30,000 annual income (for Singaporeans/PRs) or $45,000–$60,000 annual income (for foreigners).
Which credit cards are easiest to get approved for?
- Entry-level cards like student or beginner cashback cards (e.g. DBS Live Fresh Student Card) usually have lower income requirements and simpler eligibility. Approval still depends on the bank’s criteria, your income, and credit history.
Do credit cards in Singapore have annual fees?
- Yes, credit cards in Singapore typically bear an annual fee of $196.20 (inclusive of 9% GST). However, there are exceptions such as the HSBC Revolution Card, UOB EVOL Card (with at least 3 qualifying transactions per month), and CIMB cards.
What is the minimum income to qualify for a credit card?
- Depending on the bank, the minimum annual income for credit card applications start from $30,000 for Singaporeans/PRs, and between $45,000 to $90,000 (varies with banks) for foreigners.
How often do banks refresh promos?
- Banks tend to refresh their promos on a monthly basis, usually at the start. Here at MoneySmart, we aim to keep all active promos fresh and updated according to real-time deals.
Which bank offers the best sign-up bonus now?
- Refer to our top 10 credit cards as featured on our MoneySmart listings to view the top sign-up bonuses (comprising both MoneySmart exclusives and stackable bank promos) on the market right now.
What are the alternatives to Krisflyer cards in Singapore?
- Top alternatives to KrisFlyer-branded credit cards in Singapore include flexible miles cards such as
UOB PRVI Miles,
DBS Altitude, and
Citi PremierMiles.
These cards typically offer stronger earn rates (up to around 3 miles per dollar) and greater flexibility to transfer points across multiple airline partners.
If you prefer cashback instead, options like UOB Absolute Cashback (around 1.7% flat) and UOB EVOL (up to 10% on selected categories) can offer more straightforward savings. Can you get a credit card in Singapore with $5,000 monthly salary?
- Yes, a monthly salary of $5,000 ($60,000 per year) qualifies you for most credit cards offered by banks in Singapore. The standard minimum annual income required for Singapore Citizens and Permanent Residents (PRs) is $30,000 for most cards.