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|Best For||Credit Card||Reward Type|
|Savings on dining, grocery and grab spendings||Citi Cash Back Card||Cashback|
|Earning bonus miles that do not expire||Citi PremierMiles Visa Card||Miles|
|Convenience and perks for frequent flyers||American Express Singapore Airlines KrisFlyer Credit Card||Miles|
|Unlimited cashback with Ez-link capabilities||Standard Chartered Unlimited Cashback Credit Card||Cashback|
|Card and Savings Account Bundle||UOB One Card||Cashback|
|Highest cashback on any contactless payment||DBS Live Fresh Card||Cashback|
|Newlyweds and married couples||HSBC Advance Credit Card||Cashback|
|High Net-worth Individuals||American Express The Platinum Card®||Reward Points|
|Dining and Entertainment||UOB YOLO Credit Card||Cashback|
|Business Traveler||Standard Chartered Visa Infinite Credit Card||Miles|
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.
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:
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.
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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.