Compare the Best Credit Cards in Singapore 2023

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
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Standard Chartered logo
MoneySmart Exclusive
Faster Gift Redemption

Standard Chartered Smart Credit Card

Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.
6%*
Annual Fee
S$0
Minimum Spend
S$0

Apply and Spend S$500 to get S$330 Cash via PayNow OR an Everdesk Lite+ Standing Desk (worth S$619) OR Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth $575) OR Apple Watch SE (worth S$382.50).

Get a S$20 Cash Bonus by placing your Credit Card on file and making a minimum spend with selected merchants. T&Cs apply.

Valid until 31 May 2023 - See more details below
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Standard Chartered logo
MoneySmart Exclusive
Faster Gift Redemption

Standard Chartered Simply Cash Credit Card

Cash Back on Eligible spend
Up to 1.5%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

Apply and spend S$250 to get S$250 Cash via PayNow or an Apple AirPods 3rd Generation (worth $271.50). T&Cs apply.

Valid until 31 May 2023 - See more details below
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UOB logo
Online Promo
FLASH DEAL

UOB Absolute Cashback Card

Cash Back on Eligible Spend
1.7%
Min. Spend per month
$0
Spend Exclusions
No
Online Promo:
Get S$350 worth of Grab Vouchers when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 for 2 consecutive months from card approval date. T&Cs apply.
Valid until 31 May 2023 - See more details below
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UOB logo
Online Promo
FLASH DEAL

UOB One Card

Rebate on Shopee, Dairy Farm Group, Grab, SP and more
Up to 10%
Rebate Cap per quarter
S$300
Min. Spend per month
S$2,000
Online Promo:
Get up to 15% Cashback and S$350 worth of Grab Vouchers when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 for 2 consecutive months from card approval date. T&Cs apply!
Valid until 31 May 2023 - See more details below
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American Express logo
MoneySmart Exclusive
Upsized Rewards Points (Limited Period Only)

American Express The Platinum Card®

for every S$1.60 spent
Earn 2 Membership Rewards® points
for every S$1.60 spent with 10Xcelerator by Membership Rewards®
Earn 20 Membership Rewards® points
on Membership Rewards® Points
No Expiry Date

[FLASH DEAL]
Apply and pay the annual fee to receive S$300 worth of Adeva e-Vouchers applicable at participating Adeva Spa outlets in Singapore!

PLUS get up to 113,750 worth of Membership Rewards® points (equivalent to a 1-way Suites/ First Class trip to Maldives via Singapore Airlines) from Amex when you apply, spend a min. of S$15,000 within first 3 months of card approval and pay the  annual fee. T&Cs Apply.

Valid until 31 May 2023 - See more details below
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CIMB logo
MoneySmart Exclusive

CIMB World Mastercard

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% Cashback
S$1,000
Cash Rebate cap
Unlimited

Apply and spend S$988 to receive S$280 Cash via PayNow. T&Cs apply.

Valid until 31 May 2023 - See more details below
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OCBC logo
Online Promo
High Spend on Dining

OCBC 365 Credit Card

Cashback on Everyday Dining
6%
Cashback Cap per month
S$80
Min. Spend per month
S$800
Online Promo:
Apply and spend S$500 within 30 days from card approval to get a Samsonite Polygon Spinner 28" Luggage (worth S$640) OR spend S$1,000 for 2 consecutive months within 60 days from card approval to receive S$250 Cashback. T&Cs apply.
Valid until 31 May 2023 - See more details below
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OCBC logo
Online Promo

OCBC Titanium Rewards Card (Pink)

on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
with 18,000 OCBC$
S$50 Titanium cash
Rewards to Miles Conversion
10 OCBC$ = 4 Miles
Online Promo:
Apply and spend S$500 within 30 days from card approval to get a Samsonite Polygon Spinner 28" Luggage (worth S$640) OR spend S$1,000 for 2 consecutive months within 60 days from card approval to receive S$250 Cashback. T&Cs apply.
Valid until 31 May 2023 - See more details below
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Citibank logo
Faster Gift Redemption

Citi Cash Back+ Mastercard®

Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap
Unlimited
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Citibank logo
$1 = Up to 4 Miles (Limited Time Only)

Citi PremierMiles Card

Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online (Limited Time Only*)
S$1 = Up to 4 Miles*
Selected Online Hotel Bookings
S$1 = Up to 10 Miles
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Standard Chartered logo
MoneySmart Exclusive
Faster Gift Redemption

Standard Chartered Rewards+ Credit Card

on Foreign Currency Spend
S$1= 10X Points
on Local Dining Spend
S$1= 5X Points
Rewards to Miles Conversion
1 Point = 0.29 Miles

Apply and spend S$250 to get S$250 Cash via PayNow or an Apple AirPods 3rd Generation (worth $271.50). T&Cs apply.

Valid until 31 May 2023 - See more details below
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OCBC logo
Online Promo

OCBC Titanium Rewards Card (Blue)

on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
with 18,000 OCBC$
S$50 Titanium cash
Rewards to Miles Conversion
10 OCBC$ = 4 Miles
Online Promo:
Apply and spend S$500 within 30 days from card approval to get a Samsonite Polygon Spinner 28" Luggage (worth S$640) OR spend S$1,000 for 2 consecutive months within 60 days from card approval to receive S$250 Cashback. T&Cs apply.
Valid until 31 May 2023 - See more details below
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American Express logo
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
on Eligible Grab transaction, capped at $200 per month
S$1 = 3.2 Miles
Get up to 21,500 worth of KrisFlyer Miles (worth a return trip to Bali or 1-way trip to Perth/Darwin via Singapore Airlines) from Amex when you apply. Min. spends of S$1,000 within first month of card approval and payable annual fee required. T&Cs Apply.
Valid until 31 May 2023 - See more details below
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American Express logo
MoneySmart Exclusive

American Express Platinum Credit Card

for every full S$1.60 spend at participating Platinum 10Xcelerartor Partners
10 Membership Rewards Points
for every full S$1.60 spend on All Other Spend
2 Membership Rewards Points
Rewards to Miles Conversion
1 Point = 0.55 Miles
Get up to 33,750 worth of Membership Rewards® points from Amex when you apply. Min. spends of S$3,000 within three month of card approval and payable annual fee required. T&Cs Apply.
Valid until 31 May 2023 - See more details below
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OCBC logo
Online Promo

OCBC NXT Credit Card

when monthly bill is above S$1,000
1% Cash Rebates
monthly instalment payments
Interest Free
payments split into
3 or 6 months
Online Promo:
Apply and spend S$500 within 30 days from card approval to get a Samsonite Polygon Spinner 28" Luggage (worth S$640) OR spend S$1,000 for 2 consecutive months within 60 days from card approval to receive S$250 Cashback. T&Cs apply.
Valid until 31 May 2023 - See more details below
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Citibank logo
Faster Gift Redemption

Citi Cash Back Card

Cash Back on Dining, Groceries & Petrol
Up to 8%
Total Cash Back Cap, per month
S$80
From Shell & Esso
Up to 20.88% savings
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CIMB logo
MoneySmart Exclusive

CIMB Visa Signature

Cash Back on Beauty & Wellness, Online Shopping, Groceries
10%
Min. spend per month
S$800
Cash Back Cap
S$100

Apply and spend S$988 to receive S$280 Cash via PayNow. T&Cs apply.

Valid until 31 May 2023 - See more details below
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Citibank logo
Faster Gift Redemption

Citi Rewards Card

Shopping and Online Spend, including Food Delivery and Groceries
S$1= 10X Points
Grab and Gojek
S$1= 10X Points
All Other Spend
S$1 = 1 Point
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UOB logo
Online Promo
FLASH DEAL

UOB EVOL Credit Card

on Online and Mobile Contactless spend
Up to 8%
Cash Back Cap per month
Up to S$60
Min. Spend per month
S$600
Online Promo:
Get an Apple Watch SE 2nd Gen (worth S$382) when you are the first 50 new-to-UOB cardmembers to successfully apply for a UOB Evol Card and make a min. spend of S$800 for 2 consecutive months within 60 days of card approval. T&Cs apply.
Valid until 31 May 2023 - See more details below
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CIMB logo
MoneySmart Exclusive

CIMB Visa Infinite

Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
2%
Min. spend per month
S$2,000
Cash Rebate cap
Unlimited

Apply and spend S$988 to receive S$280 Cash via PayNow. T&Cs apply.

Valid until 31 May 2023 - See more details below
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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 2023

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 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

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. UOB One Card: Use for pumping petrol at SPC and Shell
  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

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.

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.

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.

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.

What customers are saying about our credit cards (From Google Reviews)

⭐⭐⭐⭐⭐

Review by Nguyen Tung Lam

"Applying for credit card and claiming gift was a smooth and pleasant process that was all done online. The wait for the gift was not terribly long either. I'm a happy customer :) "

As seen on Google

⭐⭐⭐⭐⭐

Review by Dominic Koh

"Been signing up for my credit cards through Moneysmart, seamless process everytime. I personally prefer the sign up gifts offered by Moneysmart, and fulfilment of the gifts has not been an issue so far. Keep it up Moneysmart team!"

As seen on Google

⭐⭐⭐⭐⭐

Review by Jude Lu

"Great credit card promotions! I needed some help with some of their campaign rewards and my email was replied within 1 business day. Thanks!"

As seen on Google

Frequently Asked Questions

Are there any special deals or promotions for credit cards?

If you apply for a Standard Chartered Smart Credit Card, you can get S$330 Cash via PayNow OR an Everdesk Lite+ Standing Desk (worth S$619) OR Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth $575) OR Apple Watch SE (worth S$382.50). Promotion ends by 31 May 2023. You can find all the credit card promotions here.

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%+)