Best Cashback Credit Cards
SingaporeBest Cashback Credit Cards in Singapore for Maximum Savings (2025)
Picking the right credit card in Singapore feels like a treasure hunt, with exciting rewards. Some cards give cashback on groceries and dining while others pile up miles for your next big trip. If you love shopping, certain cards load you up with points on fashion and gadgets.
Travelers can unlock perks like airport lounge access and hotel stays. These best credit card cash back offers boost your savings while making spending fun. But which card fits your life best?
This guide explains the Best Credit Card Offers in Singapore, which shows the best choices for cashback, rewards and travel benefits.
The HSBC Live+ Card is a versatile credit card designed to offer the best cash-back offers on daily spending categories like dining, entertainment, and retail. It is ideal for those looking for a balanced rewards program with good cashback offers and lifestyle benefits. HSBC frequently runs promotions, making it one of the best credit cards available.
| Monthly Spend Requirement | To maximise cashback, you need to spend at least S$600 per month |
| Annual Fee | S$196.20 (inclusive of GST) (may be waived for the first year). |
The Standard Chartered Simply Cash Credit Card is a straightforward unlimited cashback card, perfect for those who want hassle-free cashback on all spending categories without worrying about caps or spending requirements.
| Monthly Spend Requirement | No specific requirement since cashback is unlimited at a flat rate. |
| Annual Fee | S$194.40 (inclusive of GST) (waived for the first year). |
The Citi Rewards Card is perfect for shopaholics and online shoppers, offering high reward points on fashion, e-commerce, and lifestyle purchases. If you frequently shop online or at retail stores, this card helps you maximise rewards.
| Monthly Spend Requirement | To maximise rewards, spend up to S$1,000 per month on eligible categories. |
| Annual Fee | S$194.40 (inclusive of GST) (waived for the first year). |
The HSBC TravelOne Card is designed for frequent travelers who want easy access to air miles, hotel rewards, and travel perks. If you prefer collecting travel rewards over cashback, this card is a strong choice.
| Monthly Spend Requirement | No specific minimum spend, but higher spending on travel and overseas purchases will maximise rewards. |
| Annual Fee | S$196.20 (inclusive of GST) (no waiver). |
The Citi PremierMiles Card is a travel-focused credit card designed for frequent flyers who want to accumulate miles on every purchase. It offers flexibility in redeeming miles for flights, hotels, and travel perks.
| Monthly Spend Requirement | No specific minimum spend, but frequent travelers will benefit most from high foreign currency spending. |
| Annual Fee | S$194.40 (inclusive of GST) (waived for the first year). |
The UOB One Card is one of the best credit card cash-back offers in Singapore, offering high cash-back rates across multiple spending categories. It is ideal for consistent monthly spenders who can meet the required spending tiers.
| Monthly Spend Requirement | To maximise cashback, spend at least S$2,000 per month consistently. |
| Annual Fee | S$196.20 (inclusive of GST) (waived for the first year). |
The Citi Cash Back+ Card is a simple, unlimited cashback card that offers a flat cashback rate on all spending without category restrictions. It’s ideal for those who want straightforward rewards without worrying about caps or minimum spending requirements.
| Monthly Spend Requirement | No specific requirement since cashback is unlimited and applies to all spending. |
| Annual Fee | S$194.40 (inclusive of GST) (waived for the first year). |
The OCBC 365 Credit Card is a well-rounded cashback card, ideal for those who frequently spend on dining, groceries, transport, and utilities. If you’re looking for a high cashback rate on everyday expenses, this card is a great choice.
| Monthly Spend Requirement | S$800 per month to unlock the highest cashback rates. |
| Annual Fee | S$194.40 (inclusive of GST) (waived for the first two years). |
The Standard Chartered Journey Credit Card is a travel-focused card designed for individuals who want to earn miles on every spend while enjoying travel perks like airport lounge access and insurance coverage.
| Monthly Spend Requirement | No specific minimum spend, but frequent travel and overseas spending will maximise rewards. |
| Annual Fee | S$194.40 (inclusive of GST) (not waived). |
The OCBC Rewards Credit Card is designed for shopaholics who want to earn high rewards on retail and online shopping. If you frequently shop for fashion, electronics, and lifestyle products, this card provides one of the best bank credit card for earning rewards.
| Monthly Spend Requirement | S$1,000 per month in eligible shopping categories to maximise rewards |
| Annual Fee | S$194.40 (inclusive of GST) (waived for the first two years) |
The UOB Absolute Cashback Card is one of the best credit card cash back offers for those who want unlimited cashback with no exclusions. This card is perfect for individuals who want to earn cashback on all types of spending, including insurance, school fees, and utilities—which many other cards exclude.
| Monthly Spend Requirement | No specific requirement since cashback is unlimited and applies to all spending. |
| Annual Fee | S$196.20 (inclusive of GST) (waived for the first year). |
The American Express Singapore Airlines KrisFlyer Ascend Credit Card is designed for frequent travelers and KrisFlyer members who want to earn miles quickly and enjoy travel perks such as airport lounge access, hotel stays, and travel insurance.
| Monthly Spend Requirement | No specific minimum spend required, but higher travel and airline spending will maximise miles accumulation |
| Annual Fee | S$340.20 (inclusive of GST) |
Finding the right credit card can transform the way you spend, which helps you to save more, travel better and enjoy extra perks. Whether you want the best credit card cash back offers for groceries and dining or the best card offers for rewards and travel, there’s a perfect card for you.
Cashback lovers will enjoy unlimited benefits while frequent flyers can rack up miles for their next adventure. Smart spending starts with the right card so choose one that matches your lifestyle and spending habits. With so many great options in Singapore, start exploring, apply wisely, and make every dollar count. Let your credit card work for you, not the other way around.
Looking for the best cashback credit cards in Singapore? Check out our detailed guide here: Best Cashback Credit Cards to find the perfect card that suits your spending habits and maximises your rewards!
The best credit card in Singapore depends on your spending habits. Here are some top choices based on different needs:
The best rewards credit cards in Singapore are:
It depends on what you need:
The 2/3/4 rule is an informal guideline about applying for credit cards:
Yes! A 5% cashback rate is considered very good, especially if:
Some of the credit card offers cash back in Singapore go even higher:
Best Cashback Credit Cards in Singapore for Maximum Savings (2025)
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