8 Retail Shopping Credit Cards to Save You Money (2023 List)

Meiling Tan

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 2023

CardKey BenefitGood For
AMEX Platinum Credit Card10X points (or 3.4 MPD) at select retailers like The Hour Glass and MontblancReward points for luxury goods spending
CIMB World Mastercard2% unlimited cashback on luxury goods, taxi and automobiles, movies and digital entertainment, F&BCashback for luxury goods spending
Citi Rewards Card10X Points on fashion and online shoppingHigh earn rates with no minimum spend
DBS Live Fresh CardUp to 10% cashback on eco spendingSavings at green merchants
DBS Takashimaya AMEX Card6% voucher rebates, discounts off delivery, and extra discounts on sales at TakashimayaTakashimaya patrons
OCBC Frank Credit CardUp to 10% cashback on foreign, mobile contactless, and online spendTravellers who love to shop
OCBC Titanium Rewards Card10X Rewards (or 4 MPD) on many fashion brand namesAutomatic fee waiver and high earn rates
UOB Lady’s Card10X UNI$ (or 4 MPD) on a category of your choiceFlexible spending categories

1. American Express Platinum Credit Card

PROMO: Receive a Marshall Major IV Headphones (worth S$269) or S$200 Cash via PayNow

American Express Platinum Credit Card

Golfing, spa privileges, and luxury hotel dining – the AMEX Platinum is a card that caters to the finer things in life. It has a high income requirement and annual fee, but rewards you with 10X points at many luxury goods stores.

PROMO: Receive a Marshall Major IV Headphones (worth S$269) or S$200 Cash via PayNow
Minimum Age21 yrs oldIncome Req.$80,000 annually
Annual Fee$324Fee WaiverOne year
Supplementary Card(s)$162Minimum Spend RequiredNone

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.)

Current promotion: Receive a Marshall Major IV Headphones (worth S$269) or S$200 Cash via PayNow with a minimum spend of S$500 and annual fees payment (S$324). (Valid until 31 January 2023) Click to apply.

2. CIMB World Mastercard

PROMO: Receive a AirPods Gen 3 + MagSafe / S$250 Cash via PayNow

CIMB World Mastercard

The CIMB World Mastercard claims it has the highest unlimited cashback in SG, but don’t miss the fine print. This card will only benefit those who spend significant amounts on wine & dining, digital entertainment, ride-hailing, and luxury goods.

PROMO: Receive a AirPods Gen 3 + MagSafe / S$250 Cash via PayNow
Minimum Age21 yrs oldIncome Req.$30,000 annually
Annual FeeNoneFee WaiverN/A
Supplementary Card(s)NoneMinimum Spend RequiredS$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.

Current promotion: Receive a AirPods Gen 3 + MagSafe / S$250 Cash via PayNow with a minimum spend of S$988 on eligible goods and services within 60 days of card approval. (Valid until 31 January 2023) Click to apply.

3. Citi Rewards Card

PROMO: Receive an Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth S$418) or Dyson Supersonic (worth S$649) or Nintendo OLED (worth S$549) or S$350 Cash via PayNow

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 an Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth S$418) or Dyson Supersonic (worth S$649) or Nintendo OLED (worth S$549) or S$350 Cash via PayNow
Minimum Age21 yrs oldIncome Req.S$30,000 annually
Annual Fee$194.40Fee WaiverOne year
Supplementary Card(s)$97.20Minimum Spend RequiredNone

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.

Current promotion: Receive an Apple Bundle [AirPods Pro (2nd Gen) + MagSafe Charger] (worth S$418) or Dyson Supersonic (worth S$649) or Nintendo OLED (worth S$549) or S$350 Cash via PayNow with a minimum spend of S$500 within 30 days of card approval. (Valid until 31 January 2023) Click to apply.

4. 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
Minimum Age21 yrs oldIncome Req.$30,000 annually
Annual Fee$194.40Fee WaiverN/A
Supplementary Card(s)$97.20Minimum 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 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.

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 Age21 yrs oldIncome Req.$30,000 annually
Annual Fee$194.40Fee WaiverOne year
Supplementary Card(s)$97.20Minimum 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.

6. OCBC Frank Credit Card

PROMO: Get up to S$88 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$88 cashback
Minimum Age21 yrs oldIncome Req.$30,000 annually
Annual Fee$194.40Fee WaiverTwo years
Supplementary Card(s)$97.20Minimum 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: Get up to S$88 in cashback when you apply before 28 February and spend a minimum S$150 by the end of the next month. (Valid until 28 February 2023) Click to 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 Age21 yrs oldIncome Req.$30,000 annually
Annual Fee$194.40Fee WaiverTwo years
Supplementary Card(s)$97.20Minimum Spend RequiredNone

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.

8. UOB Lady’s Card

PROMO: Get up to S$518 worth of cash & gift vouchers

UOB Lady’s Card

The UOB Lady’s Card may be the only offering on the market that lets you match high earn rates to your spending habits. The catch is that – of course – it’s for ladies only.
Read full review
PROMO: Get up to S$518 worth of cash & gift vouchers
Minimum Age21 yrs oldIncome Req.$30,000 annually
Annual Fee$194.40Fee WaiverOne year
Supplementary Card(s)One free; subsequently $97.20Minimum Spend RequiredNone

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.

Current promotion: Get up to S$518 worth of cash & gift vouchers for the first 100 new-to-UOB Credit cardmembers when you spend a minimum of S$1,000 per month for 2 consecutive months from card approval. (Valid until 31 January 2023) Click to apply.