Miles vs Cashback

Singapore Credit Cards

Every card we track — fees, rewards type and who each one suits, with each figure verified against two sources. Not sure where to start? Use the Card Finder to get matched to how you actually spend.

Miles cards

DBS Altitude Card

DBS

Has an annual fee

Beginner-friendly travel miles card with non-expiring miles and lounge visits.

TravelOverseas spendGeneral spend

Citi PremierMiles Card

Citibank

Annual fee, often waivable

Flexible travel miles that never expire, with a wide range of transfer partners.

TravelOverseas spendGeneral spend

UOB PRVI Miles Card

UOB

Annual fee, often waivable

Heavy-spender travel card geared to overseas and regional spend with lounge access.

Overseas spendTravelGeneral spend

Standard Chartered Journey Credit Card

Standard Chartered

Annual fee, often waivable

Versatile miles card with non-expiring points and good online and overseas earn.

Overseas spendOnline shoppingTravelGeneral spend

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express

Has an annual fee

Co-branded KrisFlyer card for Singapore Airlines loyalists, with hotel and travel perks.

TravelDiningGeneral spend

Citi Rewards Card

Citibank

Annual fee, often waivable

Earns boosted ThankYou Points on online and retail shopping, convertible to airline miles.

Online shopping

OCBC 90°N Card

OCBC

Annual fee, often waivable

A fuss-free miles card whose miles never expire, with a higher earn rate on overseas spend.

Overseas spendTravelGeneral spend

KrisFlyer UOB Credit Card

UOB

Annual fee, often waivable

Co-branded card that auto-credits KrisFlyer miles, with bonus rates on SIA, dining and online spend.

TravelDiningOnline shoppingTransport

Maybank Horizon Visa Signature Card

Maybank

Annual fee, often waivable

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.

TravelOverseas spendDining

HSBC TravelOne Card

HSBC

Annual fee, often waivable

A flexible travel miles card with a broad set of airline and hotel transfer partners and complimentary airport lounge visits.

TravelOverseas spendGeneral spend

UOB Lady's Card

UOB

Annual fee, often waivable

A rewards card that lets you pick your own bonus category each quarter to earn boosted miles, with a low income bar.

DiningTravelGeneral spend

DBS Woman's World Card

DBS

Annual fee, often waivable

A Mastercard miles card built around online and overseas-online spend, with a strong but capped online earn rate.

Online shoppingOverseas spend

Cashback cards

UOB One Card

UOB

Annual fee, often waivable

High everyday cashback for consistent monthly spenders across daily categories.

DiningGroceriesTransportOnline shopping

OCBC 365 Credit Card

OCBC

Annual fee, often waivable

Everyday cashback card covering dining, groceries, transport, petrol and bills.

DiningGroceriesTransportPetrol

Citi Cash Back Card

Citibank

Annual fee, often waivable

Cashback card focused on dining, groceries and petrol for steady monthly spenders.

DiningGroceriesPetrol

Maybank Family & Friends Card

Maybank

Annual fee, often waivable

Pick-your-own bonus categories cashback card for family and everyday essentials.

DiningGroceriesTransportPetrol

Standard Chartered Simply Cash Credit Card

Standard Chartered

Annual fee, often waivable

Simple uncapped flat cashback on all spend, with no categories or minimum to track.

General spendOverseas spend

American Express True Cashback Card

American Express

Annual fee, often waivable

Uncapped flat-rate cashback on everything, with no categories to manage.

General spendOverseas spend

Trust Cashback Credit Card

Trust Bank

No annual fee

App-first no-fee cashback card with a switchable quarterly bonus category.

GroceriesDiningTransportGeneral spend

DBS Live Fresh Card

DBS

Annual fee, often waivable

An entry-level cashback card focused on shopping and transport spend, with bonus rates unlocked by a monthly minimum spend.

Online shoppingTransport

Citi Cash Back+ Card

Citibank

Annual fee, often waivable

A simple flat-rate cashback card with no minimum spend and no cap on what you earn.

General spendOnline shoppingOverseas spend

Standard Chartered Smart Credit Card

Standard Chartered

Annual fee, often waivable

A starter cashback card paying boosted rates at a fixed list of fast-food, streaming and transport merchants, gated behind a monthly minimum spend.

DiningEntertainmentTransport

OCBC FRANK Credit Card

OCBC

Annual fee, often waivable

A youth-oriented cashback card rewarding online, mobile-contactless and foreign-currency spend, subject to a monthly minimum and a cashback cap.

Online shoppingOverseas spendGeneral spend

GXS FlexiCard

GXS Bank

Has an annual fee

A fully digital cashback Mastercard with no minimum income and no foreign transaction fees, offering randomised instant cashback on everyday spend.

Overseas spendGeneral spend

Rewards points cards