Cash rebates, vouchers, miles, and redeemable rewards.
Savvy shoppers know that combining a shopping credit card with in-store deals gets you the most out of every dollar.
To pair with our list of cards for online shopping, we’ve compiled card recommendations for brick-and-mortar retail shopping today.
Without further ado:
8 Best Retail Shopping Credit Cards for 2024
| Card | Key Benefit | Good For |
|---|---|---|
| AMEX Platinum Credit Card | 10X points (or 3.4 MPD) at select retailers like The Hour Glass and Montblanc | Reward points for luxury goods spending |
| CIMB World Mastercard | 2% unlimited cashback on luxury goods, taxi and automobiles, movies and digital entertainment, F&B | Cashback for luxury goods spending |
| Citi Rewards Card | 10X Points on fashion and online shopping | High earn rates with no minimum spend |
| DBS Live Fresh Card | Up to 10% cashback on eco spending | Savings at green merchants |
| DBS Takashimaya AMEX Card | 6% voucher rebates, discounts off delivery, and extra discounts on sales at Takashimaya | Takashimaya patrons |
| OCBC Frank Credit Card | Up to 10% cashback on foreign, mobile contactless, and online spend | Travellers who love to shop |
| OCBC Titanium Rewards Card | 10X Rewards (or 4 MPD) on many fashion brand names | Automatic fee waiver and high earn rates |
| UOB Lady’s Card | 10X UNI$ (or 4 MPD) on a category of your choice | Flexible spending categories |
1. American Express Platinum Credit Card
American Express Platinum Credit Card
| Minimum Age | 21 yrs old | Income Req. | $80,000 annually |
| Annual Fee | $324 | Fee Waiver | One year |
| Supplementary Card(s) | $162 | Minimum Spend Required | None |
Sometimes we can’t help our indulgences – so why not earn extra rewards from them?
And as an extra perk, this card also gives you lots of lifestyle and fine dining perks to enjoy after your shopping spree.
Best For
Those who shop at luxury retailers in the 10Xcelerator program, including names like:
- Manolo Blahnik
- Moschino
- Montblanc
- Piaget
- TAG Heuer
You’ll get 10X points per S$1.60 (or 3.4 MPD) in spending at these merchants. Points never expire, and there’s no minimum spend or cap for the 10X rewards. (Don’t use the card at just any luxury store tho; make sure they’re on the Xcelerator list, or you’ll only get 2X points.)
2. CIMB World Mastercard
CIMB World Mastercard
| Minimum Age | 21 yrs old | Income Req. | $30,000 annually |
| Annual Fee | None | Fee Waiver | N/A |
| Supplementary Card(s) | None | Minimum Spend Required | S$1,000 monthly |
This is an oddly designed card, to be honest.
First, you’ve got an entry-level S$30,000 annual income requirement.
But half the spending categories are for things you’re not likely to spend on with an entry-level card – like luxury goods and automobile sales & repairs.Still, it’s free. So if you do get the occasional urge to splurge on a new Prada handbag or TAG Heuer watch, you may as well put it on this card. You’ll get an unlimited 2% cashback, provided you meet the S$1,000 minimum spend for that month.
Best For
Those with vehicles (repairs, accessories, and supply shop purchases all count towards 2% cashback) or a fondness for luxury goods. Unlike the AMEX Platinum Card, your luxury good purchases won’t be limited to just those in an approved list.
3. Citi Rewards Card
Citi Rewards Card
| Minimum Age | 21 yrs old | Income Req. | S$30,000 annually |
| Annual Fee | $194.40 | Fee Waiver | One year |
| Supplementary Card(s) | $97.20 | Minimum Spend Required | None |
Citibank is generous with their welcome perks, so it’s worth considering one of their cards for at least the first year.
You’ll need to spend at least S$800 in the first two months to qualify for the welcome offer, but that should be easy enough. Purchases at “any store that sells shoes, bags, and clothes as its main business activity” count for 10X Rewards, capped at S$1,000 spending monthly.
You can also use this card for Grab/Gojek rides along with your online food and grocery delivery orders.
Best For
Those who want an easy-to-use, go-to card for online fashion and retail shopping with no minimum spend.
4. DBS Live Fresh Card
DBS Live Fresh Card
You know this card was designed for an eco-conscious, cashless society from the rebates it gives in these categories. Its lower-than-average minimum spend and annual fee also hold an appeal for those wanting more flexibility with their credit cards.
| Minimum Age | 21 yrs old | Income Req. | $30,000 annually |
| Annual Fee | $194.40 | Fee Waiver | N/A |
| Supplementary Card(s) | $97.20 | Minimum Spend Required | $600 |
If names like BlueSG, Open Farm Community, UglyFood, and Little Farms regularly show up in your monthly statement, then this card is a good bet. You’ll get up to 10% cashback (split into 5% online/Visa contactless spend and 5% green cashback) when you shop at these eco-merchants.
Cashback computations are a little tricky though. Green cashback has a cap of S$15 monthly while online and Visa contactless spend each have a S$20 cap. That means you’ll have to carefully monitor your transactions, splitting them between online and mobile contactless purchases.
Best For
Eco-conscious shoppers with a habit of tracking their spending.
Current promotion: Get S$150 cashback with promo code 150CASH with a minimum spend of S$800 within the first 60 days from card approval date. (Valid until 31 January 2024) Click to apply.
5. DBS Takashimaya American Express Card
DBS Takashimaya American Express Card
If you spend a lot of time at this Japanese department store, you’ll enjoy perks like rebates, delivery discounts, parking top-ups, and annual fee waivers.
| Minimum Age | 21 yrs old | Income Req. | $30,000 annually |
| Annual Fee | $194.40 | Fee Waiver | One year |
| Supplementary Card(s) | $97.20 | Minimum Spend Required | $300 monthly |
Sure, you can only use this card at a single mall. But what it lacks in breadth it makes up for by showering cardholders with lots of perks.
Besides the 6% voucher rebates at Takashimaya, you’ll get:
- Extra 10% off at selected Taka sale events
- S$4 top-up to your CashCard for parking when you spend at least S$400 at Taka
- S$10 off delivery charges
- Discounts at Takashimaya in Shanghai, Siam, and Ho Chi Minh
- S$150 cashback when you spend S$250 within the first month of card approval
Best For
Frequent shoppers at Takashimaya malls.
Current promotion: Get S$300 cashback when you apply and spend a minimum of S$400 on eligible transactions within the first month from card approval date. (Valid until 30 September 2023). Click to apply.
6. OCBC Frank Credit Card
OCBC Frank Credit Card
| Minimum Age | 21 yrs old | Income Req. | $30,000 annually |
| Annual Fee | $194.40 | Fee Waiver | Two years |
| Supplementary Card(s) | $97.20 | Minimum Spend Required | $800 monthly |
Like the DBS Live Fresh Card, the OCBC Frank Credit Card gives you bonus cashback for green spending. The difference is that this card is still good even if you don’t shop exclusively at green merchants.
You’ll get:
- 8% cashback on purchases made in foreign currencies, both online and in-store
- 8% cashback for online and mobile contactless payments
- 2% bonus cashback if you’re transacting with green merchants (for a total of 10%)
- 0.3% for all other spending
Best For
Those who want to do their part for the environment – and who love to shop while travelling.
Current promotion: Receive up to S$100 in cashback each month when you spend at least S$800 a month online or in any store that accepts contactless mobile payment. Terms and Conditions apply.
7. OCBC Titanium Rewards Card
OCBC Titanium Rewards Card
Shopaholics will appreciate this card for the boosted rates it offers on popular merchants like Uniqlo, ASOS, H&M, Apple, and Lazada. The automatic fee waiver also makes this a fuss-free card if you meet the minimum spend.
| Minimum Age | 21 yrs old | Income Req. | $30,000 annually |
| Annual Fee | $194.40 | Fee Waiver | Two years |
| Supplementary Card(s) | $97.20 | Minimum Spend Required | None |
Why get a generic rewards card when you can have one dedicated to fashion? This card grants you 10X points (or 4 MPD) on well-known brands like Love Bonito, Zara, UNIQLO, and ASOS.
Bonus OCBC$ are capped at 120,000 yearly (or S$1,000 spending per month).
The best part? There’s an automatic fee waiver if you spend S$10,000 in a year.
Best For
Those who want a low-maintenance, no-minimum-spend card for retail therapy.
Current promotion: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65), or an Apple Bundle [AirPods Pro (Generation 2) + MagSafe Charger] (worth S$421.90), or S$350 eCapitaVoucher or S$250 cash via PayNow when you spend at least S$500 on eligible purchases within 30 days of card approval. (Valid until 31 August 2023) Click to apply.
8. UOB Lady’s Card
UOB Lady’s Card
| Minimum Age | 21 yrs old | Income Req. | $30,000 annually |
| Annual Fee | $194.40 | Fee Waiver | One year |
| Supplementary Card(s) | One free; subsequently $97.20 | Minimum Spend Required | None |
Retail therapy may give us a dopamine rush, but we all know that life changes – and so will our spending habits. You may want a card that can accommodate you in whatever stage of life you’re in.
The UOB Lady’s Card has that versatility. The basic credit card allows you to choose one spending category for bonus rewards, while the higher tier (UOB Lady’s Solitaire) gives you your choice of two. Categories available include:
- Beauty and Wellness (spas, pharmacies, beauty products)
- Fashion (Lazada, Taobao, fashion retailers)
- Dining (cafes, restaurants, fast food)
- Family (groceries, mothers’/children’s clothing)
- Travel (airlines, tour agencies, booking platforms)
- Transport (ferries, taxes, petrol, Grab, etc.)
- Entertainment (movies, clubs, pubs, karaoke, arts productions)
Whatever your chosen categor(ies), you’ll earn 10X UNI$ per S$5 (or 4 MPD) on up to S$1,000 spending per month.
Best For
Women who want an exclusive, versatile rewards card for the seasons.