Cards
We have sieved through hundreds of available debit and credit cards in the market and shortlisted our preferred cards below.
Last updated: May 2022
The best cashback cards are:
UOB Absolute Cashback Card
- 1.7% unlimited cashback with no min. spend and no restrictions
- Get access to American Express card privileges, including a complimentary FoundersCard membership
- Can be combined with the GrabPay Mastercard for double-dipping of 1.6% cashback + Grab Points
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New cardholders can receive S$30 cash.
Citi Cashback+ MasterCard
- 1.6% unlimited cashback no min. spend
- Cashback earned does not expire
- Cashback redeemable in $10, $20, $50 cashback blocks over SMS
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New cardholders can receive an Apple iPad 9th Gen (worth S$499) or Dyson V8 (worth S$549) or SMEG Breakfast Set (worth S$536) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.
American Express True Cashback Card
- 1.5% unlimited cashback with no min. spend
- Get double the cashback at 3% on first S$5,000 spent within the first 6 months
- Can be combined with the GrabPay Mastercard for double-dipping of 1.6% cashback + Grab Points
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New cardholders can receive $100 cash via PayNow on S$500 spend within 30 days of card approval.
Stanchart Unlimited MasterCard
- 1.5% unlimited cashback with no caps
- 2 year annual fee waiver
- Accelerated cashback rate of 3% when you deposit funds in your Unlimited$aver account
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New cardholders can receive a 3-month Disney+ subscription.
UOB EVOL Visa Card
- Up to 8% cashback for mobile and contactless capped with $600 min spend, capped at $60/month
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New cardholders can receive an Apple AirPods Pro with an Eco Oakywood case (worth S$429) after making a min. spend of S$1,500 within 30 days of card approval.
Crypto.com Visa Card
- Up to 8% unlimited cashback in crypto with no caps
- Free Spotify and/or Netflix and staking rewards
- No annual fees
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New cardholders can receive US$25 in CRO tokens - unlocked if they stake CRO for a Crypto.com card - using this link.
The best rewards cards are:
Standard Chartered Smart Credit Card
- 6% cashback in rewards points on public transport, digital subscriptions (Netflix, Spotify, YouTube), coffee and toast and fast food dining with no minimum spend
- No annual fees forever
Citi Rewards MasterCard
- 4 mpd on online shopping, food delivery, ride hailing purchases
- 1 mpd on other retail spend
- Pair it with the Amaze Card for 4 mpd and savings on FX conversion fees
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New cardholders can receive an Apple iPad 9th Gen (worth S$499) or Dyson V8 (worth S$549) or SMEG Breakfast Set (worth S$536) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.
HSBC Revolution Card
- 4 mpd on online purchases and contactless payments
- 0.4 mpd on other spend
- No minimum spend
- No annual fees
- Free ENTERTAINER with HSBC access, with 1-for-1 dining, lifestyle and hotel deals
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New cardholders can receive a Tilt 500 Foldable Bicycle (worth S$360) or Apple Watch SE (worth S$419) or S$350 cash and making a min. spend of S$800 from account opening date.
The best cards for overseas spending are:
UOB Visa Signature
- 4 mpd on overseas spend, petrol and contactless transactions with minimum spend of $1,000 and maximum spend of $2,000 per calendar month
UOB PRVI Miles
- 2.4 mpd on overseas spend including online shopping on overseas websites
- 1.4 mpd on local spend
- Up to 4.4 mpd on selected online or mobile contactless spend (e.g. Shopee, Lazada, IKEA, Courts, Gain City; registration required)
- Up to 6 mpd on major airlines and hotels worldwide (e.g. Agoda, Expedia)
Citi Rewards MasterCard
- 4 mpd on online shopping, food delivery, ride hailing purchases
- 1 mpd on other retail spend
- Pair it with the Amaze Card for 4 mpd and savings on FX conversion fees
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New cardholders can receive an Apple iPad 9th Gen (worth S$499) or Dyson V8 (worth S$549) or SMEG Breakfast Set (worth S$536) or S$350 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval.