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.
25 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
- +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
Versatile miles card with non-expiring points and good 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 hotel and travel perks.
Pros
- +Earns KrisFlyer miles directly, no transfer step needed
- +~1.2 mpd base on both local and foreign spend
- +Bonus 2 mpd on SIA, Scoot and KrisShop spend; Grab bonus capped
- +Complimentary annual hotel night plus Hilton Honors Silver status
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
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 10% cashback on selected merchants (Grab, McDonald's, SimplyGo, Shopee) plus groceries, with monthly minimum spend
- +Rewards consistent monthly spenders across everyday categories
- +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
- −The 20% headline is a limited new-customer promo (first quarter); standing max ~10%
Annual fee: S$196.20
- Cashback
OCBC 365 Credit Card
OCBC
Everyday cashback card covering dining, groceries, transport, petrol 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
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 high online and contactless earn, convertible to miles.
Pros
- +No annual fee, permanent — no waiver to chase
- +Up to 8 mpd (20X points) on online/contactless with S$50k in an HSBC Everyday Global Account; 4 mpd (10X) otherwise
- +Beginner-friendly, simple day-to-day
- +Rewards points convertible to miles via Visa
Cons
- −Bonus rate capped (~S$1,000/month regular tier; ~S$1,200 enhanced)
- −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
- Miles
Citi Rewards Card
Citibank
Earns boosted ThankYou Points on online and retail shopping, convertible to airline miles.
Pros
- +Strong 4 mpd on online and in-store shopping
- +Low income bar, accessible entry miles card
- +First-year annual fee waived
- +Points convert to 10+ airline programmes
Cons
- −Bonus capped at ~S$1,000 eligible spend/month (9,000 bonus points)
- −Weak 0.4 mpd on general and travel spend
- −Mobile-wallet and some online merchants excluded; no overseas bonus
Annual fee: S$196.20 · 4 mpd local
- Miles
OCBC 90°N Card
OCBC
A fuss-free miles card whose miles never expire, with a higher earn rate on overseas spend.
Pros
- +Miles never expire
- +Higher earn rate on foreign-currency spend (2.1 mpd)
- +No cap on miles earned; convert in 1,000-mile blocks
- +First-year fee waived; waivable thereafter on S$10,000 annual spend
Cons
- −Local earn rate (1.3 mpd) is only average for a miles card
- −No complimentary airport lounge access as a standard perk
- −S$25 transfer fee applies when converting miles to a partner programme
- −3.25% foreign-currency transaction fee partly offsets the overseas earn rate
Annual fee: S$196.20 · 1.3 mpd local
- Miles
KrisFlyer UOB Credit Card
UOB
Co-branded card that auto-credits KrisFlyer miles, with bonus rates on SIA, dining and online spend.
Pros
- +Miles auto-credit to KrisFlyer monthly, no transfer fee
- +Up to 3 mpd on SIA Group, up to 2.4 mpd on dining/online
- +Bonus rates are uncapped (no annual limit)
- +Scoot perks: priority check-in and seat selection
Cons
- −Bonus miles can take up to 14 months to credit
- −Everyday bonus rates need annual SIA Group spend first
- −No complimentary lounge access; weak base earn rate
Annual fee: S$196.20 · 1.2 mpd local
- Miles
Maybank Horizon Visa Signature Card
Maybank
A travel miles card geared to overseas and air-ticket spend, with a higher earn rate unlocked by a monthly minimum spend, plus lounge access and travel insurance.
Pros
- +Foreign currency earn rises to 2.8 mpd (uncapped) when you spend at least S$800 in the same calendar month
- +Annual fee waived for the first three years, then waivable with S$18,000 annual spend
- +Complimentary access to selected airport lounges in Singapore, Kuala Lumpur and Hong Kong (with a qualifying S$1,000 single-receipt retail spend), plus travel insurance cover
- +Lower S$30,000 income requirement for Singaporeans/PRs than many other miles cards
Cons
- −Bonus 2.8 mpd rate only applies if you spend at least S$800 in the same calendar month; below that, foreign spend earns 1.2 mpd and base local spend just 0.4 mpd
- −Air ticket bonus is capped at S$10,000 per month, after which it reverts to 1.2 mpd
- −Earns TREATS Points that expire after 12-15 months and must be converted to miles with conversion fees and minimum redemption blocks
- −Foreigners need a high S$60,000 minimum annual income to qualify
Annual fee: S$196.20 · 0.4 mpd local
- Miles
HSBC TravelOne Card
HSBC
A flexible travel miles card with a broad set of airline and hotel transfer partners and complimentary airport lounge visits.
Pros
- +Points transfer to about 20 airline and hotel partners, with instant, fee-free conversions
- +4 complimentary global airport lounge visits per year via Mastercard Travel Pass (DragonPass) for the primary cardholder
- +Annual fee is waivable from year two on S$25,000 annual spend, and paying the fee returns a renewal bonus (12,000 miles from 2026) that offsets the cost
Cons
- −Base earn of 1.2 mpd local / 2.4 mpd foreign is mediocre, and those rates only hold on the best 25,000-points-to-10,000-miles transfer ratio; weaker partners drop you to 0.6 / 1.2 mpd
- −3.25% foreign currency fee erodes the 2.4 mpd advantage on overseas spend
- −KrisFlyer transfer ratio was devalued (effective 1 mpd local / 2 mpd foreign), so it is a weak card for earning Singapore Airlines miles
- −The lower S$30,000 salaried income threshold requires a S$50,000 HSBC Total Relationship Balance; without it the requirement is S$65,000
Annual fee: S$196.20 · 1.2 mpd local
- Cashback
DBS Live Fresh Card
DBS
An entry-level cashback card focused on shopping and transport spend, with bonus rates unlocked by a monthly minimum spend.
Pros
- +Up to 6% cashback on both shopping (online and in-store) and transport, including overseas spend that falls in those categories
- +Entry-level income requirement (S$30,000 for Singaporeans/PRs) makes it accessible to first-time cardholders
- +Annual fee is waived in the first year and can typically be waived again on request
Cons
- −S$800 minimum monthly spend required to unlock the 6% bonus rate; below that you only earn 0.3%
- −Monthly cashback is capped at S$70 (S$50 shopping + S$20 transport), so the upside is limited for higher spenders
- −Base rate of 0.3% on non-bonus spend is uncompetitive versus flat-rate cashback cards
- −Card was repositioned in 2024, removing the previous standalone contactless cashback category
Annual fee: S$196.20
- Cashback
Citi Cash Back+ Card
Citibank
A simple flat-rate cashback card with no minimum spend and no cap on what you earn.
Pros
- +Flat 1.6% cashback on every purchase with no minimum spend and no cap
- +Cashback is earned on foreign-currency spend as well as local spend, with no spend categories to track
- +First-year annual fee waived, and the standard S$196.20 fee can typically be waived on request thereafter
Cons
- −1.6% flat rate is lower than category cards that pay 5-8% on dining, groceries or transport, so heavy category spenders earn less
- −Standard S$196.20 annual fee applies from year two unless waived
- −On overseas spend the ~3.25% Mastercard FX/admin fee exceeds the 1.6% rebate, so net return is effectively negative
- −The headline sign-up rate (e.g. 8% welcome cashback) is a capped promo for the first months only, not the ongoing 1.6% rate
Annual fee: S$196.20
- Cashback
Standard Chartered Smart Credit Card
Standard Chartered
A starter cashback card paying boosted rates at a fixed list of fast-food, streaming and transport merchants, gated behind a monthly minimum spend.
Pros
- +No annual fee in the first year, and accessible to those earning the MAS-minimum S$30,000 a year
- +Up to 10% cashback at named everyday merchants (e.g. McDonald's, KFC, Burger King, Starbucks, Netflix, Spotify, Disney+, SimplyGo bus/MRT, EV charging)
- +No cap on 360 Degree Rewards Points / cashback earned since 6 December 2024
- +Comes with Visa SmartDelay complimentary lounge access on delayed flights
Cons
- −The headline 10% rate requires S$1,500 total monthly spend; below S$800/month the bonus categories drop to just 0.5%
- −Bonus cashback is limited to a fixed list of named merchants, not whole categories
- −Non-bonus and foreign-currency spend earns only 0.5% to 1% base, plus a 3.5% foreign transaction fee, so it is weak for overseas use
- −Cashback is paid as 360 Degree Rewards Points (3,200 points = S$10), not direct statement cashback, and a S$99.19 annual fee applies from year two
Annual fee: S$99.19
- Cashback
OCBC FRANK Credit Card
OCBC
A youth-oriented cashback card rewarding online, mobile-contactless and foreign-currency spend, subject to a monthly minimum and a cashback cap.
Pros
- +8% cashback on online, contactless mobile and foreign-currency spend
- +Low entry bar: S$30,000 minimum annual income for Singaporeans/PRs (S$15,000 if aged 55+)
- +Annual fee waived for the first two years, then auto-waived with S$10,000 annual spend
Cons
- −Requires at least S$800 in qualifying spend each month, or the rate drops to the 0.3% base
- −Cashback is capped at S$25 per category and S$100 per month, so the 8% effectively maxes out around S$312.50 of spend per category
- −8% foreign-currency cashback does not offset the ~3.25% foreign transaction fee (1% Visa + 2.25% OCBC) plus DCC risk for heavy overseas use
- −No lounge access or travel perks
Annual fee: S$196.20
- Miles
UOB Lady's Card
UOB
A rewards card that lets you pick your own bonus category each quarter to earn boosted miles, with a low income bar.
Pros
- +You choose your own 4 mpd bonus category (dining, travel, fashion, beauty & wellness, family, transport or entertainment) and can change it every quarter
- +Low S$30,000 income bar makes it accessible to fresh-grads and first-time miles cardholders
- +First-year annual fee waived; UNI$ convert to miles at a 2:1 ratio across multiple airline programmes
- +Pairing with the UOB Lady's Savings Account can lift the bonus rate up to 10 mpd
Cons
- −The 4 mpd bonus applies to only one category at a time and is capped at S$1,000 of spend per calendar month on the standard card
- −Base rate of 0.4 mpd on all non-bonus and most foreign spend is weak
- −No complimentary airport lounge access
- −UNI$ expire after 2 years and transfers require a 5,000 UNI$ minimum block, which is awkward for low spenders
Annual fee: S$196.20 · 0.4 mpd local
- Miles
DBS Woman's World Card
DBS
A Mastercard miles card built around online and overseas-online spend, with a strong but capped online earn rate.
Pros
- +Earns 4 miles per dollar (10X DBS Points) on online spend, one of the higher online miles rates in Singapore
- +Online bonus applies to both local and foreign-currency online transactions, while base overseas in-store spend earns 1.2 mpd (3X DBS Points)
- +First-year annual fee is waived, and the fee can otherwise be waived with S$25,000 of annual spend
Cons
- −4 mpd bonus is capped at only S$1,000 per calendar month (cut from S$2,000 to S$1,500 in Mar 2024, then to S$1,000 in Aug 2025); spend above the cap earns just 0.4 mpd
- −Base local non-online earn rate is a low 0.4 miles per dollar
- −From 1 August 2026 DBS is removing the automatic annual-fee waiver, so the S$196.20 fee must be actively waived via spend or a call
- −Overseas spend carries a foreign-currency fee of around 3.25%
Annual fee: S$196.20 · 0.4 mpd local
- Cashback
GXS FlexiCard
GXS Bank
A fully digital cashback Mastercard with no minimum income and no foreign transaction fees, offering randomised instant cashback on everyday spend.
Pros
- +No minimum income requirement, and approval open to Singapore Citizens/PRs aged 21-55, so it suits thin-file or first-time cardholders
- +No foreign transaction fees and no FX markup on overseas spend, with conversion at prevailing Mastercard rates
- +Annual fee waived for the first year; pay in full each month and there is zero interest and no fees
- +Instant cashback on every eligible transaction with no cap on the number of rewards earned
Cons
- −Cashback is randomised ('gacha-style') up to S$3 per eligible transaction, so the actual earn rate is opaque and often very low relative to spend
- −Low fixed S$500 credit limit, which is restrictive for larger purchases
- −S$54.50 annual fee from year two onward, high relative to the modest rewards
- −Rollover costs a flat S$5 Flexi fee per month and a missed minimum payment incurs a S$50 late fee; minimum payment is the lower of the balance or S$15
Annual fee: S$54.50