Best Rewards Credit Cards 2023

These low-hassle credit cards let you collect reward points to exchange for air miles, shopping vouchers and more. Read More
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Citibank logo
MoneySmart Exclusive
Faster Gift Redemption | MONEYSMART LUCKY DRAW

Citi Rewards Card

on Online Spend*
S$1= 10X Points
on Shopping Spend
S$1= 10X Points
on All Other Spend
S$1 = 1 Point

[MONEYSMART LUCKY DRAW]
Get an Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a S$450 Amazon SG Gift Card OR S$300 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

PLUS stand a chance to win a MacBook Air M2 15-inch or an Apple iPhone 14 Pro or an Apple Watch Ultra today! T&Cs apply.

Valid until 30 Sep 2023 - See more details below
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Standard Chartered logo
MoneySmart Exclusive
Earn up to 6% Cashback

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

Get S$250 Cash via PayNow or an Apple AirPods 3rd Generation (worth $271.50) when you apply and spend a min. of S$250 in Eligible Transactions. T&Cs apply.

Valid until 30 Sep 2023 - See more details below
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American Express logo
MoneySmart Exclusive
No Expiry on Membership Rewards® Points

American Express The Platinum Card®

for every S$1.60 spent
Earn 2 Membership Rewards®
for every S$1.60 spent with 10Xcelerator by Membership Rewards®
Earn 20 Membership Rewards® points
on Membership Rewards® Points
No Expiry Date
Get up to 135,000 worth of Membership Rewards® points* (equivalent to a return trip for 2 to Maldives via Singapore Airlines) from Amex when you apply and spend S$6,000 within the first 2 months of card approval and pay the card's annual fee. T&Cs Apply.
Valid until 31 Oct 2023 - See more details below
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Standard Chartered logo
MoneySmart Exclusive
Earn up to 10X Rewards Points

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

Get S$250 Cash via PayNow or an Apple AirPods 3rd Generation (worth $271.50) when you apply and spend a min. of S$250 in Eligible Transactions. T&Cs apply.

Valid until 30 Sep 2023 - See more details below
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OCBC logo
MoneySmart Exclusive
OCBC GIVEAWAY

OCBC Titanium Rewards Card (Blue)

on Local and Overseas spend
S$1 = 10 OCBC$
on Eligible Online Spend, for a limited time only.
S$1 = 15 OCBC$ (equivalent to 6 Miles per S$1)
Rewards to Miles Conversion
10 OCBC$ = 4 Miles

[MONEYSMART x OCBC GIVEAWAY]
Get a Samsung 27-inch M5 Smart Monitor (worth S$554) OR a ErgoTune Classic Ergonomic Chair (worth S$399) or S$270 eCapita Vouchers OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. 

PLUS, get a Apple MacBook Air 15-inch M2 Chip, a Apple iPad 10.2inch (9th Gen) OR an EverDesk+ Lite Standing Table when you participate in our MoneySmart OCBC Giveaway! T&Cs apply

Additionally, enjoy upsized rewards of 15x OCBC$ (equivalent to 6 Miles) per S$1 spent for the first 3 months on eligible online and retail purchases. T&Cs apply

Valid until 30 Sep 2023 - See more details below
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DBS logo
Online Promo

DBS yuu Visa Card

No limit. No Cap.
S$1 = 1X yuu Point
On your daily spend
up to 30X yuu Points
Points Cap
Unlimited
Online Promo:
Get S$250 cashback (New Cardmembers) or up to S$80 cashback (Existing Cardmembers) when you successfully apply for any DBS yuu Card and make a min. spend of S$500 within 30 days of card approval. T&Cs apply.
Valid until 30 Sep 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 10Xcelerator 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 S$200 Statement Credits from Amex when you apply, pay the card's Annual Fee, and spend a min of S$3,000 within three month of card approval. T&Cs Apply.
Valid until 31 Oct 2023 - See more details below
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HSBC logo
MoneySmart Exclusive
Earn Points for Everyday Spending

HSBC Revolution Credit Card

on Online Spend and Contactless Payments
S$1= 10X Points
on All Other Spend
S$1= 1X Point
Points to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles
Get a Samsonite ZELTUS 69cm Spinner Exp Luggage with built-in scale (worth S$680) or S$150 cashback for new HSBC credit cardholders. Existing HSBC credit cardholders receive $50 cashback. Min. spends of S$1,000 upon card approval required and marketing consent provided upon applying. T&Cs apply. 
Valid until 31 Dec 2023 - See more details below
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OCBC logo
MoneySmart Exclusive
OCBC GIVEAWAY

OCBC Titanium Rewards Card (Pink)

on Online, Offline, Local and Overseas spend
S$1 = 10 OCBC$
on Eligible Online Spend, for a limited time only.
S$1 = 15 OCBC$ (equivalent to 6 Miles per S$1)
Rewards to Miles Conversion
10 OCBC$ = 4 Miles

[MONEYSMART x OCBC GIVEAWAY]
Get a Samsung 27-inch M5 Smart Monitor (worth S$554) OR a ErgoTune Classic Ergonomic Chair (worth S$399) or S$270 eCapita Vouchers OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. 

PLUS, get a Apple MacBook Air 15-inch M2 Chip, a Apple iPad 10.2inch (9th Gen) OR an EverDesk+ Lite Standing Table when you participate in our MoneySmart OCBC Giveaway! T&Cs apply

Additionally, enjoy upsized rewards of 15x OCBC$ (equivalent to 6 Miles) per S$1 spent for the first 3 months on eligible online and retail purchases. T&Cs apply

Valid until 30 Sep 2023 - See more details below
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HSBC logo
MoneySmart Exclusive
Cashback for Family Spending

HSBC Visa Platinum Credit Card

Cash Back on Dining, Groceries, Petrol
5%
Cash Rebate Cap per quarter
S$250
Min. spend monthly in a calendar quarter
S$600
Get a Samsonite ZELTUS 69cm Spinner Exp Luggage with built-in scale (worth S$680) or S$150 cashback for new HSBC credit cardholders. Existing HSBC credit cardholders receive $50 cashback. Min. spends of S$1,000 upon card approval required and marketing consent provided upon applying. T&Cs apply. 
Valid until 31 Dec 2023 - See more details below
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DBS logo
Online Promo
Earn Miles That Never Expire

DBS Altitude Visa Signature Card

Local Spend
S$1 = 1.3 Miles
Overseas Spend
S$1 = 2.2 Miles
On Travel Spend at Expedia & Kaligo
S$1 = Up to 10 Miles
Online Promo:
Get up to 40,000 miles when you apply for an eligible DBS Altitude Credit Card and charge a min. spend of S$2,000 within 30 days from card approval date. T&Cs apply.
Valid until 30 Nov 2023 - See more details below
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UOB logo
MoneySmart Exclusive
MoneySmart x UOB GIVEAWAY

UOB Lady's Card

on up to Two Category
S$5 = Up to 15X UNI$ (or 30 miles)
on All Other Spend
S$5 = 1X UNI$ (or 2 miles)
Rewards to Miles Conversion, no min. spend
1 UNI$ = 2 Miles

[MoneySmart GIVEAWAY]
Stand to receive a ASUS Vivobook x BAPE ® (worth S$2,349) OR a Sony PlayStation®5 Disc Console (worth S$799) OR a Nintendo Switch OLED (worth S$549) when you successfully apply for an eligible UOB Credit Card through MoneySmart and meet the Giveaway eligibility criteria! T&Cs apply. 

PLUS receive up to S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.

Valid until 17 Oct 2023 - See more details below
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HSBC logo

HSBC Visa Infinite Credit Card

at Selected Boutiques & Merchants
S$1 = 10X Points
on All Other Spend
S$1 = 3X Points
Rewards to Miles Conversion
1 Point = 0.4 Miles
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Maybank logo
Online Promo

Maybank Horizon Visa Signature

on Dining, Petrol, Taxi and Hotel Bookings at Agoda
S$1 = 8X Points
on Air Tickets, Travel Packages and Foreign Currency Spend
S$1 = 5X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 miles
Online Promo:
Get $200 cashback OR an Apple AirPods 3rd Generation (worth S$261.40) OR a pair of American Tourister Linex 66/24 Luggage TSA (worth S$336) when you successfully apply for a Maybank Credit Card AND a CreditAble account, and spend a min. of S$600 on Eligible Transactions each month for 2 consecutive months from card approval date. T&Cs apply.
Valid until 30 Sep 2023 - See more details below
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DBS logo
Online Promo

DBS yuu American Express® Card

No limit. No Cap.
S$1 = 1X yuu Point
On your daily spend
up to 30X yuu Points
Points Cap
Unlimited
Online Promo:
Get S$250 cashback (New Cardmembers) or up to S$80 cashback (Existing Cardmembers) when you successfully apply for any DBS yuu Card and make a min. spend of S$500 within 30 days of card approval. T&Cs apply.
Valid until 30 Sep 2023 - See more details below
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Maybank logo
Online Promo

Maybank DUO Platinum Mastercard

on all local spend excluding petrol
S$1 = 1 TREATS Point
on all local spend excluding petrol
1 TREATS Point = 1 DUO Point
Min. spend per month
S$0
Online Promo:
Get $200 cashback OR an Apple AirPods 3rd Generation (worth S$261.40) OR a pair of American Tourister Linex 66/24 Luggage TSA (worth S$336) when you successfully apply for a Maybank Credit Card AND a CreditAble account, and spend a min. of S$600 on Eligible Transactions each month for 2 consecutive months from card approval date. T&Cs apply.
Valid until 30 Sep 2023 - See more details below
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DBS logo
Online Promo
Online Shopping

DBS Woman's Card

on Online Spend
S$5 = 5 DBS Points (2 Miles per S$1)
on All Other Spend
S$5 = 1 DBS Point (0.4 Miles per S$1)
Rewards to Miles Conversion
1 Point = 2 Miles
Online Promo:
Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jan 2024 - See more details below
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American Express logo

American Express CapitaCard

for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 monthly
Earn up to 15 STAR$®
at participating Merchants at Heartlands CapitaLand Malls
Earn up to 20 STAR$®
at participating Merchants in CapitaLand Malls in Town
Earn up to 30 STAR$®
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Citibank logo
MoneySmart Exclusive
Faster Gift Redemption | MONEYSMART LUCKY DRAW

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

[MONEYSMART LUCKY DRAW]
Get an Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a S$450 Amazon SG Gift Card OR S$300 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

PLUS stand a chance to win a MacBook Air M2 15-inch or an Apple iPhone 14 Pro or an Apple Watch Ultra today! T&Cs apply.

Valid until 30 Sep 2023 - See more details below
Apply Now
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Citibank logo
Shipping Rebates on Lazada

Citi Lazada Credit Card

on Lazada
10X Reward Points
on Dining, Travel, Entertainment & Commute
5X Reward Points
on Lazada
Up to 4 Free Shipping Rebates per Month
Read More
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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 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

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

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.

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.

Read Card Reviews

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.

Travelling

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Petrol

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.

Looking for the best credit cards for miles? Don't miss out – start comparing today!

Find your perfect match for earning miles on every purchase, enjoying travel perks, and jetting off to your dream destinations. Start today!

Apply Now

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

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!