Best Credit Card Promotions in Singapore: Sign-Up Offers Compared
| # | Name | Best for |
|---|---|---|
| 1 | American Express | High spenders who want points |
| 2 | CIMB | No annual fee for life |
| 3 | Citibank | Earning miles |
| 4 | DBS | Choice of cash or luggage |
| 5 | HSBC | Miles on everyday online spend (Revolution) |
| 6 | Maybank | Luggage gifts for new and existing cardholders |
| 7 | OCBC | Everyday cashback |
| 8 | POSB | First-time cardholders |
| 9 | Standard Chartered | Unlimited flat cashback |
| 10 | Visa | Extra travel discounts on top of bank rewards |
| 11 | UOB | No FX fees overseas (EVOL) |
| 12 | Trust Bank | FairPrice shoppers |
As of 7 October 2026, the best credit card promotions in Singapore are from CIMB, DBS/POSB and OCBC. CIMB gives Samsonite luggage worth S$1,150. DBS/POSB gives S$288 cashback or S$680 luggage. The OCBC 365 Card gives S$300 cashback. HSBC, Citi, Standard Chartered, AmEx and Maybank also have sign-up offers. Most need you to be new to the bank and to hit a minimum spend within 30 to 90 days.
What’s changed in 2026
- Luggage is now the most common welcome gift. DBS/POSB, HSBC, CIMB, Maybank and UOB all offer Samsonite or Bold bags.
- Several offers end on 31 October 2026, including DBS/POSB, Maybank and HSBC TravelOne. Apply early if you want one of these.
- Standard Chartered now offers up to 3 NVIDIA shares on the Simply Cash Card instead of a gadget.
- HSBC asks for marketing consent before it pays out most sign-up gifts.
- We added UOB and Trust Bank, which both have live sign-up offers.
How to pick a credit card promotion
Start with the gift you actually want: cash, miles or luggage. Then check if you can hit the minimum spend in time without buying things you don’t need.
Next, check the eligibility rules. Most offers are only for new cardholders of that bank. Many also exclude people who cancelled a card with the bank in the last 9 to 12 months.
Finally, look at the annual fee. Some offers, like the AmEx Platinum Credit Card points, need you to pay it to qualify. Others, like CIMB, waive it for life.
All offers below were checked on the banks’ own websites on 7 October 2026. Terms change often, so read the full T&Cs before you apply.
American Express
Best for
- High spenders who want points
- Dining and hotel perks
- Singapore Airlines KrisFlyer members
- Website
- americanexpress.com
- Phone
- 1800 235 6755 (Customer Services)
Current promotion: New-to-AmEx customers get 40,000 bonus Membership Rewards points on the American Express Platinum Credit Card. You must pay the S$327 annual fee (incl. GST) and spend S$4,000 within 3 months of approval. The offer runs from 17 June 2026 to 31 January 2027.
AmEx suits people who spend a lot and want travel and dining perks. The Platinum Card includes Table for Two dining and complimentary hotel nights at partner hotels. AmEx also runs a referral programme for existing members.
The minimum spend is high, and you must pay the annual fee to get the points. AmEx is also accepted at fewer shops than Visa or Mastercard.
CIMB
Best for
- No annual fee for life
- The highest-value luggage gift this month
- Cashback on everyday spend
- Website
- cimb.com.sg
- Phones
- +65 6333 6666, +65 6333 7777
Current promotion: New cardmembers get a Samsonite Black Label Fanthom Spinner worth S$1,150. You need to spend S$2,000 within the first 60 days of card approval. It covers the CIMB Visa Infinite, Visa Signature and World Mastercard, and runs from 19 May to 30 November 2026.
CIMB’s cards are cashback cards with no annual fee for life. The Visa Signature gives up to 10% cashback on categories such as online shopping and groceries. The Visa Infinite gives 2% cashback on overseas spend, plus lounge access and travel insurance.
The minimum income is S$30,000 for the World Mastercard and Visa Signature, and S$120,000 for the Visa Infinite. The S$2,000 spend target is higher than most banks’ offers.
Citibank
Best for
- Earning miles
- Many airline and hotel partners
- Cashback options for daily spend
- Website
- citibank.com.sg
- Phone
- +65 6225 5225
Current promotion: The Citi PremierMiles Card offers up to 30,000 bonus Citi Miles plus a S$100 Trip.com gift card when you spend S$800 in 2 months. The Citi Rewards Card offers 40,000 bonus ThankYou Points. The Citi Cash Back and Citi SMRT Cards offer S$300 cashback. Check the minimum spend and end date on Citi’s site before applying.
Citi is a strong pick for miles collectors. Citi Miles can be converted to many airline and hotel partners. The Citi Prestige Card has a larger bonus for people who can spend S$14,000 in 2 months.
Citi’s offers change often, sometimes weekly. The rewards programme also has more rules than a simple cashback card.
DBS
Best for
- Choice of cash or luggage
- A wide range of cards
- Existing DBS bank customers
- Website
- dbs.com.sg
- Phone
- 1800 111 1111
Current promotion: New DBS/POSB cardholders choose a Samsonite MINTER 80/30 Trunk (worth S$680) or S$288 cashback. You must spend S$800 within 60 days of approval. Apply by 31 October 2026.
You qualify only if you don’t hold a principal DBS/POSB credit card and haven’t cancelled one in the last 12 months. You also need a DBS PayLah! account by the end of the spend period.
The gift takes time to arrive. Cashback is credited 3 to 5 months after you hit the spend. The luggage letter comes 3 to 6 months after.
HSBC
Best for
- Miles on everyday online spend (Revolution)
- Travellers (TravelOne)
- Offers that also reward existing cardholders
- Website
- hsbc.com.sg
- Phones
- +65 6472 2669, +65 6227 8889
Current promotion (1 October to 31 December 2026):
- HSBC Revolution: 42,000 Reward points (16,800 miles) for new cardholders who spend S$1,000.
- Other HSBC cards: a Samsonite VOYA Spinner 68cm (worth S$680) or S$200 cashback with S$500 spend.
- HSBC TravelOne: up to 20,000 miles plus Samsonite luggage with S$1,000 spend. You must pay the S$196.20 annual fee. Ends 31 October 2026.
Existing HSBC cardholders can get S$50 cashback on a new card. You must give marketing consent to receive these gifts. Check the spend window in the T&Cs.
Maybank
Best for
- Luggage gifts for new and existing cardholders
- Merchant discounts
- Existing cardholders who spend a lot
- Website
- maybank2u.com.sg
- Phone
- +65 6533 5229
Current promotion: New cardmembers get a Samsonite spinner worth S$530 after spending S$1,300 within 2 months. The Maybank XL cards have a separate, smaller offer. Apply by 31 October 2026.
Existing cardholders can also earn luggage until 31 October 2026. Spend S$3,500 on dining, shopping, travel or overseas to get a Bold Axis 20″ bag. Bigger spend tiers unlock bigger bags. You must register in the TREATS SG app, and gift numbers are limited.
Maybank also has regular merchant deals, such as Shopee and Traveloka discounts. Check the Maybank cards promotions page for current dates.
OCBC
Best for
- Everyday cashback
- Two years with no annual fee
- Long application window
- Website
- ocbc.com
- Phone
- +65 6363 3333
Current promotion: New OCBC cardmembers on the OCBC 365 Credit Card get S$300 cashback and a 2-year annual fee waiver. You must spend S$800 within 60 days of approval. Valid until 31 December 2026.
The OCBC 365 Card is a cashback card for everyday categories. The welcome gift promotion runs from 1 October to 31 December 2026. You must apply through OCBC’s own website, app or branches to qualify.
The OCBC Rewards Card’s 26,000-mile offer ended on 30 September 2026. Check OCBC’s site for its current replacement.
POSB
Best for
- First-time cardholders
- Everyday cashback
- Existing POSB savers
- Website
- posb.com.sg
- Phone
- 1800 339 6666
Current promotion: The POSB Everyday Card is part of the DBS/POSB sign-up offer. Choose a Samsonite MINTER Trunk (worth S$680) or S$288 cashback after spending S$800 within 60 days. Apply by 31 October 2026.
The POSB Everyday Card gives cashback on daily spend such as groceries and bills. It is a simple first card for people who already bank with POSB.
The same rules as DBS apply. You can’t hold a principal DBS or POSB card, and you need a PayLah! account.
Standard Chartered
Best for
- Unlimited flat cashback
- Stock gifts instead of gadgets
- Bundling with a savings account
- Website
- sc.com
- Phone
- +65 6747 7000
Current promotion: The Simply Cash Credit Card offers up to 3 NVIDIA shares when you spend S$1,000 within 30 days. The offer runs from 1 October 2026 to 1 February 2027. Check the T&Cs to see if you also need a Bonus$aver account.
A separate bundle gives S$228 cashback when you open a Bonus$aver Account and get the Bonus$aver World Mastercard. That offer ends on 15 October 2026.
The Simply Cash Card gives 1.5% unlimited cashback with no cap. The annual fee is waived for the first year, then S$196.20.
Visa
Best for
- Extra travel discounts on top of bank rewards
- Wide acceptance
- Any bank’s Visa card
- Website
- visa.com.sg
- Phone
- 800 110 0344 (Visa Global Customer Assistance)
Current promotion: Visa doesn’t issue cards or give sign-up gifts itself. Instead, it runs Visa Offers and Perks for any Visa cardholder. Current listings include Trip.com hotel and flight discounts. There is also an Agoda “Stay 3 Pay 2” deal for Visa Infinite cards. Both are listed until 31 December 2026.
These offers stack with your bank’s own rewards. Visa is also accepted almost everywhere, in Singapore and overseas.
Some offers need a specific card tier, such as Visa Infinite. Check each offer page for the tier and dates.
UOB
Best for
- No FX fees overseas (EVOL)
- Lazada shoppers
- Luggage gift (Absolute Cashback)
Website: uob.com.sg
Current promotion: New UOB Absolute Cashback cardmembers can get a Samsonite EVOA Z Spinner 25″ (worth S$600). The Lazada-UOB Card offers Apple AirPods 4. Check UOB’s site for the spend needed and end dates.
The UOB EVOL Card has 0% foreign exchange fees worldwide and up to 1% cashback on overseas spend until 31 December 2026. That makes it a good travel card for small trips.
UOB also works with SingSaver on cash offers that change often. Compare both before applying.
Trust Bank
Best for
- FairPrice shoppers
- App-only banking
- Stock rewards instead of cashback
Website: trustbank.sg
Current promotion: New Trust Freedom Credit Card users who pick Stockback as their reward get a sure-win stock gift worth up to US$8,000. The offer runs until 31 October 2026. The gift value varies, and US$8,000 is the top amount, not a guarantee.
Trust is a digital bank backed by Standard Chartered and FairPrice Group. You apply and manage everything in the app. The Trust Link Card gives savings of up to 21% at FairPrice Group outlets.
Frequently Asked Questions
What is the best credit card promotion in Singapore right now?
By gift value, CIMB’s S$1,150 Samsonite luggage is the largest, but it needs S$2,000 spend in 60 days. For cash, the OCBC 365 Card’s S$300 and DBS/POSB’s S$288 are the easiest to get.
How do credit card sign-up promotions work?
You apply for a new card and spend a set amount within a set time after approval. The bank then sends your gift, usually within 3 to 6 months. Most offers are only for people new to that bank’s cards.
What is a credit card spending promotion?
It rewards existing cardholders for spending a set amount. Maybank, for example, gives Bold luggage for S$3,500 spend until 31 October 2026. You usually need to register first.
Do I count as a new customer for sign-up bonuses?
Usually only if you hold no principal card with that bank. DBS also excludes anyone who cancelled one in the last 12 months. Each bank sets its own rule, so check the T&Cs.
What spend counts towards the minimum?
Most retail spend counts. Bill payments, school fees, e-wallet top-ups and insurance are often excluded. Check each bank’s list of excluded transactions before you start.
Should I apply through the bank or through SingSaver or MoneySmart?
Compare both. Aggregators sometimes give bigger cash gifts, while bank-direct offers may give luggage or points. You usually can’t claim both for the same card.
Do I have to pay the annual fee to get the sign-up bonus?
For some cards, yes. AmEx Platinum Credit Card points and HSBC TravelOne miles need the fee paid. CIMB waives fees for life, and OCBC 365 waives them for 2 years under its current offer.
What is the minimum income for a credit card in Singapore?
Entry-level cards usually need S$30,000 a year. CIMB, for example, asks S$30,000 for its Visa Signature and S$120,000 for its Visa Infinite. Some banks accept a fixed deposit instead.
Sources
Checked on 7 October 2026. Prices and hours change; confirm with the business before you go.
- americanexpress.com — AmEx alive; Platinum Card Table for Two and hotel night perks; referral programme
- americanexpress.com — AmEx phone numbers
- americanexpress.com — AmEx Platinum Credit Card 40,000 MR points offer, S$4,000/3 months, S$327 fee (search snippet)
- cimb.com.sg — CIMB welcome gift, dates, income requirements, fee waiver
- cimb.com.sg — CIMB phone numbers
- citibank.com.sg — Citi current sign-up offers
- dbs.com.sg — DBS/POSB sign-up offer, eligibility, end date
- dbs.com.sg — DBS 1800 111 1111 and POSB 1800 339 6666 hotlines (search snippet)
- hsbc.com.sg — HSBC Revolution, standard card and TravelOne offers
- hsbc.com.sg — HSBC phone numbers
- suitesmile.com — Maybank S$530 Samsonite welcome gift, S$1,300/2 months, ends 31 Oct 2026 (page updated 6 Oct 2026)
- cardspromo.maybank2u.com.sg — Maybank spend-and-redeem luggage (till 31 Oct 2026) and merchant deals
- milelion.com — Maybank luggage spend tiers and TREATS SG registration
- maybank2u.com.sg — Maybank hotline 1800 629 2265 / +65 6533 5229 (search snippet)
- ocbc.com — OCBC 365 S$300 cashback offer till 31 Dec 2026
- ocbc.com — OCBC promotion period 1 Oct to 31 Dec 2026, apply via OCBC channels (search snippet)
- mainlymiles.com — OCBC Rewards miles offer ended 30 Sep 2026
- ocbc.com — OCBC 6363 3333 (search snippet)
- sc.com — SC Simply Cash NVIDIA shares offer, cashback rate, annual fee
- sc.com — SC Bonus$aver S$228 bundle ending 15 Oct 2026
- sc.com — SC phone +65 6747 7000
- citibank.com.sg — CitiPhone 6225 5225 (search snippet)
- visa.com.sg — Visa Offers and Perks: Agoda Stay 3 Pay 2 and Trip.com discounts to 31 Dec 2026 (search snippets)
- visa.com.sg — Visa 800 110 0344 (search snippet)
- uob.com.sg — UOB Absolute Cashback, Lazada-UOB and EVOL offers
- trustbank.sg — Trust Freedom Card Stockback offer till 31 Oct 2026; Link Card FairPrice savings
- asiaone.com — Cross-check of October 2026 offers (4 Oct 2026); not used for figures where bank pages disagreed