14 Best Credit Cards for Online Shopping (2022)

Meiling Tan
Updated:

From shipping rebates to cash vouchers and store discounts, having the right credit card for your online purchases can save you a bundle.

Still, some may prefer Shopee to Lazada, while others may enjoy shopping at a variety of platforms.

Some may want a credit card that can link with their existing savings accounts for bonus interest, while others simply want the highest cashback possible.

That’s why we’ve compiled a list of the best credit cards for your online shopping needs in Singapore, covering aspects such as:

  • Key benefits (cashback, rewards, air miles, etc.)
  • The charges you’ll incur with foreign merchants online
  • Whether they support installment plans for big-ticket items
  • Annual fees
  • Eligibility requirements
  • What each card is good for

14 Best Credit Cards for Online Shopping in Singapore (2022)

Credit CardKey BenefitsGood For
Bank of China Qoo10 World Mastercard10% Qoo10 rebateFrequent users of Qoo10
CIMB Visa Signature Card10% online shopping rebateOnline shoppers who also own pets and enjoy beauty products & services
Citi Rewards Card10X Rewards (4MPD) on online purchasesThose who want flexibility in where they shop and how they’re rewarded for it
Citi Lazada Card10X Rewards (4MPD) on LazadaFrequent users of Lazada
DBS Live Fresh Card5% online shopping rebateEco-conscious shoppers
DBS Woman’s World Card10X DBS Points per S$5 (4 MPD) for online and overseas spendShopaholics who also purchase from foreign brands
HSBC Advance Credit CardUp to 3.5% cashback on all local and overseas spendHigh spenders
HSBC Revolution Card10X Rewards (4MPD) on online and mobile contactless paymentsLow to moderate spenders who want a fuss-free card
Maybank Platinum Visa Card3.33% cashback on all local and foreign currency spendLow spenders who want a low-fee (or free) cashback card
Maybank Family & Friends Card8% cashback globallyOnline shoppers who want cashback across a range of everyday expenses
OCBC Frank Credit Card6% online shopping rebateYoung working adults with a moderate budget
UOB EVOL Card8% cashback on online spendLow spenders who want maximum cashback and can track their expenses closely
UOB KrisFlyer Card3 KrisFlyer miles per dollar on online shoppingSIA loyalists
UOB One CardUp to 10% cashback on ShopeeHigh spenders who shop at Dairy Farm International merchants

1. Bank of China Qoo10 World Mastercard

BOC Qoo10 World Mastercard

The Bank of China (BOC) Qoo10 World Mastercard is a niche card meant solely for avid Qoo10 shoppers. As long as you can meet the minimum spend, you can expect generous rebates on public transport and Qoo10 purchases.
Read full review
BenefitsWith minimum spend of S$800 monthly:
1. 15% Qmoney rebate on public transport
2. 10% Qmoney rebate on Qoo10
3. 3% Qmoney rebate on selected categories, including cinemas, pubs, karaoke, fast food, and non-Qoo10 online spending
CapsS$70 overall monthly cap, comprising:
  • S$30 cashback cap on Qoo10 transactions
  • S$40 cashback cap on all other transactions
Foreign Transactions3% foreign currency transaction fee
Installment Plans?N/A

Although first on this list, this card isn’t our top pick simply because of how niche it is. But if you spend a lot of time shopping on Qoo10, you’ll find there’s no other card offering cashback rates as high as this.

In particular, the 15% rebate on public transport is the highest we’ve ever seen.

Granted, all your rebates will come in the form of Qmoney, usable only on Qoo10. That’s why this card is really only for those who love gaming Qoo10’s system for the best deals. 

Not so good: Higher-than-average annual fees and not many benefits beyond the Qoo10 rebates.

Annual fee: S$203.30 with fee waiver for first year

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: None

2. CIMB Visa Signature Card

PROMO: Receive a XiaoMi Mi Robot Vacuum-mop 2 (worth S$399) or S$250 cash

CIMB Visa Signature Card

The CIMB Visa Signature Card may have niche spending categories like pet care and cruises, but it’s hard to ignore the 10% cashback rate. The minimum spend requirement is easy enough for families who cook for themselves or shop online.
Read full review
PROMO: Receive a XiaoMi Mi Robot Vacuum-mop 2 (worth S$399) or S$250 cash
BenefitsWith minimum spend of S$800 monthly, 10% cashback on:
1. Online shopping
2. Groceries
3. Beauty & Wellness
4. Pet Shops & Veterinary Services
5. Cruises
CapsS$100 overall monthly cap, comprising S$20 per category
Foreign Transactions3% foreign currency transaction fee
Installment Plans?Available with CIMB 0% i.Pay Plan

Of the cards in our list, the CIMB Visa Signature offers the highest cashback for online shopping. But that comes with a catch: most of the other cashback categories are unusual. (The majority of us don’t spend S$200 a month on cruises, for example.)

If you’re a pet owner and spa lover, you might be one of the few able to take advantage of this card. Alternatively, get this card just before you purchase a beauty package and/or cruise – after all, the card is free.

Not so good: At a 10% rebate, you’ll max out your cashback with just S$200 on online shopping. You’ll then have to spend on one or more of the niche categories to hit the S$800 minimum spend.

Annual fee: Free for life for all Principal and Supplementary cards.

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: Receive a XiaoMi Mi Robot Vacuum-mop 2 (worth S$399) or S$250 cash when you spend a minimum of S$988 within 60 days of card approval. (Valid until 8 January 2023) Click to apply.

3. Citi Rewards Card

PROMO: Receive a Dyson V8 Slim™ Fluffy (worth S$549) or a Morning Coffee Machine (worth S$510) or a Popsical Remix II with 1 month free subscription (worth S$599) or S$350 cash

Citi Rewards Card

The Citi Rewards Card is an easy go-to card for everyday expenses like groceries, online shopping, and food delivery. Couples and young families will find the bonus rates and points cap are just about right for their needs.
Read full review
PROMO: Receive a Dyson V8 Slim™ Fluffy (worth S$549) or a Morning Coffee Machine (worth S$510) or a Popsical Remix II with 1 month free subscription (worth S$599) or S$350 cash
BenefitsWith no minimum spend, 10X Rewards (4 miles) on:
1. Online and in-person shopping purchases
2. Grab, Gojek, and other private hire services
3. Online food and grocery delivery
Caps10X Rewards capped at 10,000 Points per statement month (first S$1,000 in spending)
Foreign Transactions3.25% foreign currency transaction fee
Installment Plans?Available with Citi PayLite and Citi FlexiBill

The Citi Rewards Card is one of the few options on our list with no minimum spend required to start reaping benefits. Further, it doesn’t restrict you to a certain shopping platform – as long as the transaction is made via the internet or a mobile app, that is.

One thing though: You won’t earn 10X Rewards on any online travel bookings or travel-related transactions with this card. But you probably don’t want to be charging plane tickets to this anyway, given the low rewards cap of S$1,000 monthly spending.

The cherry on top? Citibank usually has great welcome offers and credit card deals. Take advantage of these in your shopping spree – like the S$20 off Amazon.sg with a minimum S$60 spend for first-time customers (that’s ⅓ off!)

Not so good: Using this card in your mobile wallet won’t qualify you for 10X Reward Points. Also, while the 4 miles-per-dollar rate is excellent, converting your Reward Points into rebates only amounts to about 2.2% cashback in most cases.

Annual fee: S$192.60 with fee waiver for first year

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: Receive a Dyson V8 Slim™ Fluffy (worth S$549) or a Morning Coffee Machine (worth S$510) or a Popsical Remix II with 1 month free subscription (worth S$599) or S$350 cash when you spend a minimum of S$500 within 30 days of card approval. (Valid until 18 December 2022) Click to apply.

4. Citi Lazada Card

Citi Lazada Card

Given that many of us turn to Lazada for small and large purchases, the Citi Lazada Card offers users an excellent way to earn cashback and rewards. But like most niche cards, the rewards-to-spending ratio isn’t great for anything besides that one platform.

BenefitsWith no minimum spend:
1. 10X Rewards on Lazada
2. 5X Rewards on Grab, Gojek, and taxis
3. 5X Rewards on dining, including restaurants, fast food, drinking places, and caterers
4. 5X Rewards on Netflix and Spotify
5. 5X Rewards on cinemas and theatre
6. 5X Rewards on travel-related transactions
7. 4 shipping rebates on Lazada per month
CapsBonus Reward Points capped at 9,000 monthly
Foreign Transactions3.25% foreign currency transaction fee
Installment Plans?Available with Citi PayLite and Citi FlexiBill

Despite its name, this card isn’t nearly as restrictive as the Bank of China Qoo10 card. You can use the Citi Lazada Card for anything from dining out to movie tickets and your Netflix/Spotify subscriptions.

That said, the best rewards-to-spending ratio will still be from Lazada transactions. This card draws from the same rewards catalogue as the Citi Rewards Card, which means that using this card on one of the 5X categories will only yield about 1.1% cashback or 2MPD.

Not so good: The 10X Rewards doesn’t apply to RedMart purchases, which falls under a different Merchant Category Code. You’ll earn just 1X for your RedMart groceries.

Annual fee: S$192.60 with fee waiver for first year

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: Welcome gift of S$250 in Lazada and RedMart vouchers for new-to-Citi cardmembers. To qualify, spend S$250 in eligible transactions after deducting all applicable campaign vouchers, free shipping, and brand/seller vouchers on Lazada.

5. DBS Live Fresh Card

PROMO: Get S$150 cashback if you’re a new-to-DBS cardmember who charges at least S$800 to the card within 60 days of card approval

DBS Live Fresh Student Card

The DBS Live Fresh Student Card is an attractive offering, particularly for environmentally-minded young adults. You’d be hard-pressed to find another student card that offers up to 10% cashback with no minimum spend.
No Minimum
monthly spend required
5%
cashback on eligible spending
Eco friendly
card made from 85.5% recycled plastic
Read full review
PROMO: Get S$150 cashback if you’re a new-to-DBS cardmember who charges at least S$800 to the card within 60 days of card approval
BenefitsWith minimum spend of S$600 monthly:
1. 5% cashback on online purchases
2. 5% cashback on Visa contactless transactions + extra 5% Green cashback on selected eco-eateries, retailers, and transport services
3. 0.3% cashback for all other spending
CapsCashback capped at
  • S$20 monthly for online spending
  • S$20 for Visa contactless spending
  • S$15 for sustainable spending
  • S$20 for all other spending
Foreign Transactions3.25% foreign currency transaction fee
Installment Plans?Available with DBS Payment Plans

If you want sustainable services built into your lifestyle, consider the DBS Live Fresh Card. On top of being made from 85.5% recycled plastic, the DBS Live Fresh Card offers you excellent rebates when you transact with eco-friendly merchants.

Also, remember when we said the BOC Qoo10 Card has the best rebates for public transport? This card offers the second best. You’ll get 10% cashback on bus and train rides via SimplyGo – or better yet, rent a bicycle or electric vehicle from services like SG Bike or BlueSG.

Not so good: Cashback for online spending is capped at S$20 monthly, which means you can only earn rebates for up to S$400 in online purchases.

Annual fee: S$180 with fee waiver for first year

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: Get S$150 cashback if you’re a new-to-DBS cardmember who charges at least S$800 to the card within 60 days of card approval. Valid until 31 January 2023. Click to apply.

6. DBS Woman’s World Card

PROMO: Get S$150 cashback if you’re a new-to-DBS cardmember who charges at least S$800 to the card within 60 days of card approval

DBS Woman’s & Woman’s World Card

If most of your monthly spending is on online purchases, then the DBS Woman’s World Card is a great fit for you. Its entry-level counterpart isn’t nearly as attractive though.
Read full review
PROMO: Get S$150 cashback if you’re a new-to-DBS cardmember who charges at least S$800 to the card within 60 days of card approval
BenefitsWith no minimum spend:
  • 10X DBS Points per S$5 (or 4MPD) on online purchases
  • 1X DBS Point per S$5 (or 0.4MPD) on other purchases
  • 0% Interest Payment Plans over 3 months
  • Complimentary e-Commerce Protection on online purchases
CapsBonus points applicable only to the first S$2,000 online spend per month
Foreign Transactions
  • 3.25% foreign currency transaction fee
  • 3X DBS Points per S$5 (or 1.2MPD) on overseas in-person store purchases
  • 10X DBS Points on overseas online stores
Installment Plans?Available with My Preferred Payment Plan

Though this card has a much higher annual income requirement, this is one of the best cards if you shop at both local and foreign online stores. And contrary to its name, men can apply for this card too.

While you can’t pool DBS Points across various DBS credit cards, you can redeem your DBS Points for a range of rewards including dining vouchers at specific restaurants, cash donations to a charity of your choice, miles, and shopping vouchers. Choosing cash vouchers will essentially net you between 3 – 3.33% cashback on your spending.

Not so good: This card isn’t great for anything other than online spending. For example, in-person shopping at local stores only gets the base rate of 1X DBS Point per S$5.

Annual fee: S$192.60 with fee waiver for first year. Fee waiver for the next year when you charge S$25,000 to the DBS Woman’s World Card in a statement year.

Eligibility: Minimum 21 years old with at least S$80,000 annual income

Current promotion: Get S$150 cashback if you’re a new-to-DBS cardmember who charges at least S$800 to the card within 60 days of card approval. Valid until 31 January 2023. Click to apply.

7. HSBC Advance Credit Card

HSBC Advance Credit Card

This card is best for HSBC bank account holders who want to maximise cashback on over S$2,000 in monthly spending. If you don’t have an HSBC account – or you plan to charge less than S$2,000 to the card – there are better options.

Benefits
  • With no minimum spend, up to 2.5% base cashback on all local and overseas transactions monthly.
  • With S$2,000 minimum spend, extra 1% on top of base cashback.
Caps
  • Cashback capped at S$70 per month
  • Up to S$300 extra cashback for HSBC Everyday Global Account holders, or S$500 for HSBC Premier and Jade clients.
Foreign Transactions
  • 2.8% foreign currency transaction fee
  • Up to 3.5% cashback on foreign transactions
Instalment Plans?Available through the HSBC Singapore app

If you spend S$2,000 or more every month, you’d be hard-pressed to find a card with a better cashback rate. However, you’ll need an HSBC Everyday Global Account along with the ability to deposit S$2,000 in fresh funds every month. Otherwise, your cashback tops out at 2.5%.

More noteworthy mentions:

  • You’ll get up to S$150 in cashback when you apply for supplementary cards for your whole family. Supplementary cardholder transactions also count toward the minimum spend requirement, making this a great family-friendly card for general spending.
  • Of the options in this list, this card has the lowest foreign transaction fee.

Not so good: For those who don’t plan to open an HSBC account or spend at least S$2,000 monthly. You’ll get just 1.5% cashback in that case.

Annual fee: S$192.60 with fee waiver for first year. Thereafter, automatic fee waiver when you charge S$12,500 to the card in that year.

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotions:

  1. Get a Samsonite Prestige 69cm Spinner Exp (S$670) or S$200 cashback if you’re new to HSBC and you spend at least S$500 within the qualifying period. Valid until 31 Dec 2022.
  2. Get S$30 per supplementary card (max five). Not valid with other HSBC credit card sign-up promotions. Valid until 31 Dec 2022.
    Click to apply.

8. HSBC Revolution Card

PROMO: Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback

HSBC Revolution Credit Card

The HSBC Revolution Credit Card is an excellent option for digitally-savvy working adults who mostly shop locally. While the 10,000 point cap may feel restrictive to high spenders, it’s a fuss-free card that allows you to earn great rewards from the get-go.
No Minimum
Monthly spend required
3%
Cashback up to S$5,000 spend for first 6 months
1.5%
Cashback on dining
Read full review
PROMO: Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback
BenefitsWith no minimum spend:
1. 10X Rewards (4 miles) on online shopping
2. 10X Rewards (4 miles) on Visa contactless payments through Paywave, Apple Pay, or Google Pay
3. 1X Rewards on all other spend

Extra 1% cashback when you deposit S$2,000 in fresh funds to an HSBC Everyday Global Account and perform at least 5 eligible transactions monthly.
Caps10X Rewards capped at 10,000 Points per statement month (first S$1,000 in spending)

1% cashback from HSBC Everyday+ capped at S$300 monthly, or S$500 for HSBC Premier and Jade clients.
Foreign Transactions2.8% foreign currency transaction fee
Installment Plans?Available through the HSBC Singapore app

If you can’t meet a S$2,000 minimum spend, the HSBC Revolution Card is an alternative to the HSBC Advance Card. Like the Citi Rewards Card, you’ll get 10X Rewards – except this card focuses on online and mobile contactless payments.

But what we like most about this card is how low-maintenance it is. For one, there are no annual fees for either the principal or supplementary cards. You’ll also start earning rewards from the very first dollar – unlike cards that break your spending up into blocks of S$5.

Not so good: You’ll need a different card for any big-ticket purchases beyond S$1,000.

Annual fee: None!

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotions:

  1. Get a Samsonite Prestige 69cm Spinner Exp (S$670) or S$200 cashback if you’re new to HSBC and you spend at least S$500 within the qualifying period. Valid until 31 Dec 2022.
  2. Get S$30 per supplementary card (max five). Not valid with other HSBC credit card sign-up promotions. Valid until 31 Dec 2022.
    Click to apply.

9. Maybank Platinum Visa Card

Maybank Platinum Visa Card

The Maybank Platinum Visa Card is a great starter option for lower spenders with a S$300-500 monthly budget. While its rebate isn’t the highest in the market, the fuss-free nature of this card more than makes up for it.
Read full review
BenefitsWith minimum spend of S$300 monthly each quarter, 3.33% cashback on all local and foreign currency spend.

Links with a Maybank savings account for higher interest with the Maybank Save Up Programme.
Caps
  • Cashback capped at S$30 per quarter with S$300 minimum spend for every month in the quarter
  • Cashback capped at S$100 per quarter with S$1,000 minimum spend for every month in the quarter
Foreign Transactions
  • 3.25% foreign currency transaction fee
  • 3.33% cashback on foreign transactions
Installment Plans?Available only at participating outlets

Like the HSBC Revolution Card, the Maybank Platinum Visa Card is great for those looking for a low-maintenance option. The difference is that you’ll get straight cashback instead of reward points. This may be preferable if you don’t want the hassle of converting your reward points.

This card is best for those who have consistent expenses of at least S$300 every month. With that, you’ll get 3.33% cashback on all local and foreign currency spend – arguably the best rate for this spending level. (You’d get a sad 0.2 – 0.3% with most other cards.)

Not so good: You’ll need to meet the minimum spend for every month in the quarter to qualify for cashback.

Annual fee: S$80 with fee waiver for three years. Automatic fee waiver when you charge to your card once every three months.

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotions:

  1. Get S$80 cash if you’re a new Maybank cardmember.
  2. Get a Samsonite Harts 68/25 Spinner (S$500) or S$100 cashback if you’re a new-to-Maybank cardmember and you spend at least S$300 monthly for two consecutive months.

10. Maybank Family & Friends Card

Maybank Family and Friends

With an expansive list of eligible spending categories, the Maybank Family & Friends Card is one of the best cashback cards you’ll find. It’s not the best card for travel-related transactions, but it’s an easy go-to card for everyday expenses locally.
Read full review
BenefitsWith minimum spend of S$800 monthly, 8% global cashback on your choice of five out of these 10 categories:
1. Groceries
2. Dining & Food Delivery
3. Transport
4. Data Communication & Online TV Streaming
5. Retail & Pets
6. Online Fashion
7. Entertainment
8. Pharmacy
9. Sports & Sports Apparel
10. Beauty & Wellness
CapsS$125 overall monthly cap, comprising S$25 per category
Foreign Transactions
  • 3.25% foreign currency transaction fee
  • 8% cashback on foreign transactions
Installment Plans?Available only at participating outlets

The first highlight of the Maybank Family & Friends Card is its 8% global cashback. That means whether you’re shopping at a local or foreign online store, you’ll get the same cashback regardless.

While the Maybank Family & Friends Card can’t top the CIMB Visa Signature’s 10% cashback, its strong point is in its diverse – and accessible – range of categories. You can get cashback on common expenses like movie tickets, Netflix or telco subscriptions, groceries, Foodpanda, public transport, and more.

And given that you can select your preferred cashback categories, hitting the S$800 minimum spend across multiple categories shouldn’t be an issue.

Not so good: This card only rewards you for online transactions with “apparels, shoes, accessories, leather goods, luggage, and other fashion purchases globally.” Platforms like Qoo10, Shopee, and Ezbuy are safe as they fall under an approved Merchant Category Code (MCC), but best not to use this card with Taobao or Lazada.

Annual fee: S$180 with fee waiver for three years

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotions:

  1. Get S$80 cash if you’re a new Maybank cardmember.
  2. Get a Samsonite Harts 68/25 Spinner (S$500) or S$100 cashback if you’re a new-to-Maybank cardmember and you spend at least S$300 monthly for two consecutive months.

11. OCBC Frank Credit Card

PROMO: Get up to S$120 in cashback

OCBC Frank Credit Card

Consumers who frequently shop online or pay via mobile will benefit the most from the boosted cashback rates. It’s also easy to hit the minimum annual spending for the annual fee waiver, making this a low-cost card with decent cashback.
Read full review
PROMO: Get up to S$120 in cashback
BenefitsWith minimum spend of S$600 monthly:
  • 6% cashback on all online and app spend, including Grab, Lazada/RedMart, Netflix, Spotify, and Taobao
  • 6% cashback on mobile contactless payments and in-person foreign transactions
  • 0.3% cashback on all other spend
CapsS$75 overall monthly cap, comprising S$25 per category
Foreign Transactions
  • 3.25% foreign currency transaction fee
  • 6% cashback on in-person foreign transactions
Installment Plans?Available with OCBC PayLite

The OCBC Frank Credit Card has the same S$600 minimum spend requirement as the DBS Live Fresh Card. But where the DBS Live Fresh focuses on environmentally-conscious spending, the OCBC Frank emphasises online, app, and mobile contactless payments.

It also offers a higher general cashback rate, though nothing beats the DBS Live Fresh Card’s rebates for eco-friendly merchant transactions.

Designed for young adults just entering the workforce, the OCBC Frank Card combines low annual fees and minimum spend with great cashback.

Not so good: You’ll hit the cashback cap with just $416.67 in online or mobile contactless spending, so this card isn’t great for big-ticket items. There are no rebates for public transport as well.

Annual fee: S$80 with fee waiver for two years. Thereafter, automatic fee waiver when you charge S$10,000 to the card in that year.

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: First 400 new-to-OCBC Frank credit card will get up to S$120 in cashback when you apply before 31 December and spend a minimum of S$1,200. Valid until 31 December 2022. Click to apply.

12. UOB EVOL Card

PROMO: First 300 new-to-UOB cardmembers can get S$300 cash via PayNow

UOB Evol Credit Card

This is a great card for working professionals whose spending is primarily centered on online and contactless spending. The 8% cashback rate is one of the highest in the market and the eligible categories are straightforward and easy to track.
8%
cashback on online spending + mobile contactless payments (capped at S$60/statement month)
Complimentary Insurance
complimentary travel insurance when you charge your fare to your UOB card AND fill out the form before your trip
Bonus Interest
earn bonus interest on your savings when you open a UOB One account with the UOB EVOL
Read full review
PROMO: First 300 new-to-UOB cardmembers can get S$300 cash via PayNow
BenefitsWith minimum spend of S$600 monthly:
  • 8% cashback on all online and app spend
  • 8% cashback on mobile contactless payments, including public transport via SimplyGo
  • 0.3% cashback on all other spend
CapsS$60 overall monthly cap, comprising S$20 per category
Foreign Transactions3.25% foreign currency transaction fee
Installment Plans?Available with UOB SmartPay

Like the OCBC Frank Credit Card, the UOB EVOL Card requires just S$600 minimum spend and covers online shopping as well as mobile contactless payments.

The main difference is in the cashback caps: with the UOB EVOL, you’ll hit the cap with just S$250 in online or mobile contactless spend. This forces you to spend another S$100 on transactions that yield just 0.3% cashback to hit the minimum requirement.

If you spend almost exactly S$250 each with online shopping and mobile contactless payments, the UOB EVOL Card yields more cashback in the long run. But if you find yourself spending S$350 or more on both categories, the OCBC Frank Credit Card gives you higher rebates in the long run.

Not so good: Low cashback cap means you’re forced to spend on transactions that give you a sad 0.3% rebate. Also, foreign transactions won’t get 8% cashback.

Annual fee: S$192.60 with automatic fee waiver when you make three purchases every month for 12 months before your next annual fee date.

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: First 300 new-to-UOB cardmembers can get S$300 cash via PayNow when you spend a minimum of S$1,000 for 2 consecutive 30 day periods from the card approval date. (Valid until 31 December 2022) Click to apply.

13. UOB KrisFlyer Card

PROMO: Get up to 32,000 welcome miles

UOB Krisflyer Card

The UOB KrisFlyer Credit Card offers a 3mpd bonus rate on items an average person is likely to spend on. But if you’re thinking of getting this card, you’ll need to consider the timeframe and whether you’re willing to be locked into the card until your bonus miles are awarded.
Read full review
PROMO: Get up to 32,000 welcome miles
Benefits
  • With minimum spend of S$500 yearly on KrisShop and SIA Group, 3MPD on online shopping, dining, food delivery, travel, and transport spend. 1.2 MPD if minimum spend is not met.
  • 3MPD on SIA, Scoot, and KrisShop purchases
  • 1.2MPD on all other spend
CapsNone!
Foreign Transactions3.25% foreign currency transaction fee
Installment Plans?Available with UOB SmartPay

If you’re a miles hacker who only flies Singapore Airlines or Scoot, you’ll appreciate this card. You’ll need to spend at least S$500 a year on SIA group or KrisShop, but this shouldn’t be too difficult for the average middle-class professional.

What’s great about this card is that there’s no cap on rewards. It also covers a range of everyday expenses that you’re likely to spend on, making it easy to rack up those miles quickly.

Not so good: You’ll get rewards for blocks of S$5 in spending, which means it’s a bad idea to use this card for a series of small transactions. Also, you’ll only get the KrisFlyer miles in your account two months after the annual fee is posted – which is a long time to wait.

Annual fee: S$192.60 with fee waiver for first year

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: First 2,000 new-to-UOB applicants will get up to 32,000 welcome miles when you spend at least S$2,000 within 60 days from card approval date. (Valid until 31 December 2022) Click to apply.

14. UOB One Card

PROMO: Get S$300 cash via PayNow

UOB One Credit Card

If you can manage the complicated cashback calculations and high minimum spend, the UOB One Card offers up to 10% rebate to those who regularly shop at the participating merchants. Those on a budget are better off with a more versatile card, however.
Read full review
PROMO: Get S$300 cash via PayNow
BenefitsWith minimum spend of S$2,000 monthly:
  • 10% cashback on Shopee
  • 10% cashback on bus/train rides via SimplyGo
  • 10% cashback on Dairy Farm group of merchants (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli)
  • 10% cashback on Grab (excluding GrabPay top-ups)
  • 10% cashback on UOB Travel
  • 4.33% cashback on SP utility bills
  • 3.33% cashback on all retail spend
CapsCashback capped at S$200 per quarter
Foreign Transactions3.25% foreign currency transaction fee
Installment Plans?Available with UOB SmartPay

Like the HSBC Advance Credit Card, you’ll need to spend S$2,000 monthly to maximise your cashback with the UOB One Card. But the UOB One is far more selective about the merchants they offer cashback on.

Still, if you’re on Shopee for nearly everything and you buy your groceries from Cold Storage, this card might work for you. And for all the retail transactions that don’t qualify for 10% cashback, you’ll still get 3.33% cashback.

Not so good: You have to hit S$2,000 minimum spend every month in the quarter to qualify for max cashback.

Annual fee: S$192.60 with fee waiver for first year

Eligibility: Minimum 21 years old with at least S$30,000 annual income

Current promotion: Get S$300 cash credit via PayNow for the first 300 new-to-UOB credit cardmembers with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. (Valid until 31 December 2022) Click to apply.