Credit Card Finder
Tell us what you want to earn and how you spend, and we’ll match you to Singapore credit cards that fit. We rank by fit and link you to each card’s official page — always confirm the latest fees and rates there before you apply.
13 cards matched.
- Miles
DBS Altitude Card
DBS
Beginner-friendly travel miles card with non-expiring miles and lounge visits.
Pros
- +Beginner-friendly all-rounder for general spend + travel
- +Miles never expire, so no rush to redeem
- +Decent ~2.2 mpd on overseas spend for travel
- +Airport lounge access included
Cons
- −S$196.20 annual fee; auto spend-waiver ends Aug 2026
- −Low ~1.3 mpd base rate on local spend
- −Visa-only, no Amex perks for this card
Annual fee: S$196.20 · 1.3 mpd local
- Miles
Citi PremierMiles Card
Citibank
Flexible travel miles that never expire, with a wide range of transfer partners.
Pros
- +Citi Miles never expire, so no rush to redeem
- +~2.2 mpd on foreign spend, good for travel
- +Wide transfer-partner list for flexible redemptions
- +Lounge access; first-year fee waived
Cons
- −S$196.20 annual fee from year two onward
- −Low ~1.2 mpd on local spend
- −Not especially beginner-friendly
Annual fee: S$196.20 · 1.2 mpd local
- Miles
UOB PRVI Miles Card
UOB
Heavy-spender travel card geared to overseas and regional spend with lounge access.
Pros
- +First-year annual fee waived (S$261.60 thereafter)
- +~2.4 mpd base on foreign spend, good for overseas use
- +Airport lounge access included
- +Visa option means wider acceptance than Amex variant
Cons
- −S$261.60 annual fee from year two onwards
- −Local rate only ~1.4 mpd, weak for SG spend
- −Standard foreign-currency fee still applies on FX spend
Annual fee: S$261.60 · 1.4 mpd local
- Miles
Standard Chartered Journey Credit Card
Standard Chartered
All-rounder miles card with non-expiring points and strong online and overseas earn.
Pros
- +Up to 3 mpd on selected transport, grocery & food delivery
- +Solid all-rounder: ~1.2 mpd local, ~2 mpd foreign base
- +Points convert to airline miles for flexible redemptions
- +Comes with lounge access
Cons
- −S$196.20 annual fee from year 2 (first year waived)
- −3 mpd capped and limited to selected categories only
- −Low ~1.2 mpd on general local spend
Annual fee: S$196.20 · 1.2 mpd local
- Miles
American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express
Co-branded KrisFlyer card for Singapore Airlines loyalists, with lounge and hotel perks.
Pros
- +Earns KrisFlyer miles directly, no transfer step needed
- +~1.2 mpd base on both local and foreign spend
- +Bonus miles on SIA, Scoot and Grab spend (capped)
- +Lounge access plus an annual hotel night included
Cons
- −S$397.85 annual fee; pays off mainly for SIA flyers
- −Amex less widely accepted than Visa/Mastercard in SG
- −Bonus categories are capped, limiting extra miles
Annual fee: S$397.85 · 1.2 mpd local
- Cashback
UOB One Card
UOB
High everyday cashback for consistent monthly spenders across daily categories.
Pros
- +Up to 20% cashback on dining, groceries, transport, online
- +~10% cashback on the ongoing standard tier
- +Visa-based, so wide acceptance in SG and overseas
- +First-year annual fee waived
Cons
- −Annual fee S$196.20 from year two onwards
- −Top rates need consistent minimum quarterly spend, not flat
- −Headline 20% is spend-tiered + partly a new-customer boost
Annual fee: S$196.20
- Cashback
OCBC 365 Credit Card
OCBC
Broad everyday cashback card spanning dining, groceries, transport and bills.
Pros
- +Strong everyday cashback: 5% dining/food delivery, 3% groceries
- +Up to 6% cashback on petrol
- +Annual fee waived first 2 years, then on S$10k yearly spend
- +Cashback covers food delivery, not only dine-in
Cons
- −Needs roughly S$800/mo spend to earn bonus cashback
- −Monthly cashback cap limits how much you can earn
- −S$196.20 annual fee if yearly spend stays under S$10k
Annual fee: S$196.20
- Cashback
Citi Cash Back Card
Citibank
Cashback card focused on dining, groceries and petrol for steady monthly spenders.
Pros
- +8% cashback on petrol and private commute
- +6% cashback on dining and groceries
- +First-year annual fee waived (S$196.20 thereafter)
Cons
- −S$196.20 fee from year 2; needs ~S$800/mo min spend
- −Monthly cashback cap limits total rewards earned
- −Only 0.2% base rate outside narrow bonus categories
Annual fee: S$196.20
- Cashback
Maybank Family & Friends Card
Maybank
Pick-your-own bonus categories cashback card for family and everyday essentials.
Pros
- +Up to 8% cashback on 5 categories you pick from 10
- +Annual fee S$196.20 waived for first 3 years
- +Mastercard: widely accepted locally and overseas
Cons
- −8% tier needs S$1,600/mo min spend from Jan 2026 (was S$800)
- −Monthly cashback cap limits total rewards earned
- −Groceries capped at 6%, not the full 8%
Annual fee: S$196.20
- Cashback
Standard Chartered Simply Cash Credit Card
Standard Chartered
Simple uncapped flat cashback on all spend, with no categories or minimum to track.
Pros
- +1.5% flat cashback on all spend, no categories to track
- +Cashback is uncapped, no monthly limit
- +No minimum spend needed to earn rewards
- +Simple and beginner-friendly, easy to understand
Cons
- −Not free for life: S$196.20 annual fee after first year
- −Flat 1.5% is low vs category cards' higher tiered rates
Annual fee: S$196.20
- Cashback
American Express True Cashback Card
American Express
Uncapped flat-rate cashback on everything, with no categories to manage.
Pros
- +1.5% flat cashback on everything, uncapped, no min spend
- +3% intro cashback first 6 months, up to S$5,000 spend
- +First-year annual fee waived
- +Simple and beginner-friendly, no categories to track
Cons
- −S$174.40 annual fee from year two
- −1.5% base rate is low vs tiered cashback cards
- −Amex less widely accepted in Singapore than Visa/Mastercard
Annual fee: S$174.40
- Rewards points
HSBC Revolution Credit Card
HSBC
No-fee rewards card with strong online and contactless earn, convertible to miles.
Pros
- +No annual fee, permanent — no waiver to chase
- +Up to 4 mpd (10X points) on online/contactless spend
- +Beginner-friendly, simple day-to-day
- +Rewards points convertible to miles via Visa
Cons
- −4 mpd capped at ~S$1,000/month spend
- −High rate limited to eligible online/contactless spend
- −Low base earn ~0.4 mpd on everything else
Annual fee: S$0.00
- Cashback
Trust Cashback Credit Card
Trust Bank
App-first no-fee cashback card with a switchable quarterly bonus category.
Pros
- +No annual fee
- +Up to 15% cashback on 1 self-picked category per quarter
- +Fully managed in-app, no paperwork
- +Visa, widely accepted at home and abroad
Cons
- −15% rate needs ~S$2,000/mo spend, caps ~S$250/quarter
- −Only 1 preferred category; just 1% local / 0.5% foreign base
- −Foreign-spend cashback was cut in Mar 2026
Annual fee: S$0.00