Best Credit Cards in Singapore

Card range: Platinum Credit Card, Platinum Reserve Credit Card, Membership Rewards Credit Card, True Cashback Card, Singapore Airlines KrisFlyer Credit Card, KrisFlyer Ascend Credit Card, Singapore Airlines PPS Club Credit Card, Singapore Airlines Business Credit Card

American Express suits people who want travel rewards and dining perks. Its KrisFlyer cards credit miles straight to your KrisFlyer account.

The American Express Platinum Credit Card has an annual fee of S$327 (including GST). The first two supplementary cards are free for life. You earn 2 Membership Rewards points per S$1.60 spent, and 10 points per S$1.60 at Platinum 10Xcelerator partners.

Cardholders get up to S$200 in Fashion and Dining Credit and access to Love Dining, which takes up to half the bill off at selected restaurants. New cardholders who pay the annual fee and spend S$4,000 in three months get 40,000 bonus points. Existing members get 20,000. The offer runs until 31 January 2027.

Amex is not accepted everywhere in Singapore, so it works best as a second card.

• Best for: air miles and KrisFlyer earners
• Best for: dining perks
• Best for: a second card for rewards points

CIMB’s cards have no annual fee for life. That makes them a good pick if you hate paying fees or chasing waivers.

The CIMB Visa Signature Card pays 10% cashback on online shopping, groceries, beauty and wellness, pet shops, veterinary services and cruises. You must spend at least S$800 in the same statement month. Cashback is capped at S$100 a month, with up to S$20 per category. Other spend earns 0.2%.

The minimum annual income is S$30,000 for Singapore citizens, PRs and Malaysians. Until 30 November 2026, new cardholders can get a Samsonite luggage welcome gift after spending S$2,000 within 60 days. Check the terms on CIMB’s site.

• Best for: cashback on online shopping and groceries
• Best for: no annual fee for life
• Best for: pet owners

Citibank has one of the widest card ranges in Singapore. It covers flat-rate cashback, category cashback and miles.

The Citi PremierMiles Card earns 1.2 Citi Miles per S$1 spent locally and 2.2 Citi Miles per S$1 in foreign currency. It suits people who travel often and want simple miles earning.

If you want cashback without tracking categories, the Citi Cash Back+ Card pays 1.6% on your spend all year. The Citi Cash Back Card pays 8% on petrol and 6% on dining and groceries, subject to its own minimum spend and caps. The Citi Rewards Card earns 10X points on online and in-store shopping.

• Best for: flat-rate cashback with no categories
• Best for: foreign currency spend and miles
• Best for: online shopping rewards

HSBC is strong for people who spend online or pay by contactless. Its rewards points can be converted to miles or cashback.

The HSBC Revolution Credit Card earns 10X points per S$1 on contactless and online spend in eligible categories. Bonus points are capped at 9,000 a month. If you keep an average daily balance of S$50,000 or more in an HSBC Everyday Global Account, you earn 20X, capped at 22,800 bonus points a month.

HSBC is currently waiving the Revolution’s annual fee. New cardholders who spend S$1,000 can get 42,000 welcome points. The card was upgraded to Visa Signature on 1 April 2026. Interest on unpaid balances starts from 27.8% a year.

For cashback, HSBC also offers the HSBC Live+ Credit Card. Check its current rates and caps on HSBC’s site.

• Best for: online and contactless spend
• Best for: converting points to miles
• Best for: annual fee currently waived

Mastercard is a payment network, not a bank. You apply for a Mastercard through a bank such as Citi, Maybank, CIMB or OCBC. The card’s tier decides which network perks you get on top of the bank’s own rewards.

World Elite Mastercard is the top tier commonly issued in Singapore. Its perks include travel insurance when you buy air tickets on the card, purchase protection, and complimentary green fees at selected local golf clubs. Mastercard also runs Priceless Specials, with deals on dining, travel and shopping.

Before you apply, check which tier your bank issues. Two cards from the same bank can carry different Mastercard perks.

• Best for: wide acceptance in Singapore and overseas
• Best for: extra travel and protection perks on premium tiers

Card range: Maybank Family & Friends Card, Maybank World Mastercard, Maybank Horizon Visa Signature, Maybank Visa Infinite, and others. Check Maybank’s site for the full list.

Maybank’s best-known card for cashback is the Maybank Family & Friends Card. You pick 5 of 10 spending categories, such as groceries, dining, petrol and transport. You can change them each quarter.

From 1 January 2026, the tiers changed. Spend S$800 to S$1,599.99 a month to earn up to 6%, capped at S$20 per category. Spend S$1,600 or more to earn up to 8%, capped at S$30 per category, or S$180 a month in total. Groceries earn a maximum of 6%. Other spend earns 0.22%.

This card works best for households that put most of their spending on one card. If you spend under S$800 a month, look at a flat-rate card instead.

• Best for: families who spend S$1,600 or more a month
• Best for: choosing your own cashback categories
• Best for: spend in Malaysia

OCBC’s OCBC 365 Credit Card is built for everyday household spending. It is changing on 1 November 2026, so check which rules apply when you sign up.

Until 31 October 2026: 6% on petrol, 5% on dining, and 3% on groceries, land transport, Watsons, streaming, EV charging, utilities and telco. Spend S$800 for a S$80 monthly cap, or S$1,600 for a S$160 cap.

From 1 November 2026: 6% on dining (now including fast food), groceries, land transport and petrol. Watsons earns 3% until 31 March 2027. Telco, utilities, EV charging and streaming drop to 0.25%. There is a single S$800 minimum spend and a S$160 monthly cap.

The annual fee is S$196.20, waived for the first two years. It is also waived if you spend S$10,000 a year. If you prefer no minimum spend, the OCBC INFINITY Cashback Card pays a flat 1.6%.

• Best for: dining, groceries and petrol
• Best for: households spending S$800 or more a month
• Best for: flat-rate cashback (INFINITY)

POSB is part of DBS. Its single credit card, the POSB Everyday Card, is aimed at daily essentials.

It pays up to 10% on online food delivery, 5% on eating out and 10% on SimplyGo bus and train rides. Sheng Siong and RedMart purchases earn 5%. In-store spend in Malaysian Ringgit earns up to 10%. You also get 6% at SPC petrol stations.

Spending S$800 a month gets you the higher rates, and several categories have their own caps. Check the current caps and annual fee on POSB’s site before you apply.

• Best for: public transport and food delivery
• Best for: Sheng Siong shoppers
• Best for: trips to Malaysia

Standard Chartered has both simple cashback and serious miles cards.

The Simply Cash Credit Card pays 1.5% unlimited cashback with no categories to track. The Journey Credit Card earns up to 3 miles per S$1. Both can be paired with the Bonus$aver account for higher savings interest.

The Beyond Credit Card is now the bank’s top miles card. It needs a high income and carries a high annual fee. The older Visa Infinite card is still issued, but many of its perks have been cut. Compare both on Standard Chartered’s site before applying.

• Best for: flat-rate cashback with no minimum spend
• Best for: air miles
• Best for: Bonus$aver account holders

The UOB One Card is one of the highest-paying cashback cards if you spend steadily every month. You need at least 10 transactions a month, every month of the quarter.

Spend S$600, S$1,000 or S$2,000 a month to earn up to 3.33% base cashback. That works out to S$60, S$100 or S$200 a quarter. On top of that, you get extra cashback at McDonald’s, Grab, Shopee Singapore and SimplyGo. Groceries earn extra at the S$1,000 and S$2,000 tiers. SP Group utility bills earn an extra 1%.

Additional cashback is capped at S$120 a month. The annual fee is S$196.20, with a first-year waiver. The first supplementary card is free.

• Best for: steady monthly spenders
• Best for: Grab, Shopee and public transport users
• Best for: UOB One Account holders