Quick answer: The best cash rebate credit card in Singapore depends on how you spend. If you reliably hit around $2,000 a month, the UOB One Card gives you up to 10% back on Grab rides, Shopee, and groceries. For a flat rate with zero effort, the Standard Chartered Simply Cash Credit Card offers 1.5% unlimited cashback – no minimum spend, no cap. Families who know exactly where their money goes can customise rewards with the Maybank Family & Friends Card. Here are seven solid choices to help you keep more of what you earn.
This is one of 33 guides in Best Credit Cards in Singapore — start there if you would rather compare before you commit.
For a wider view of the field, check our Cash Back Credit Cards in Singapore digest.
UOB One Card
The UOB One Card is a steady workhorse – if you can commit to spending at least S$2,000 a month, it rewards you with up to 10% cashback on the daily staples: Grab rides, Shopee orders, and grocery runs. Everything else you swipe gets 3.33%. The cashback comes in quarterly lumps of up to S$300, which is a nice little bonus every three months. Drivers also pocket fuel savings of up to 22.66% at selected stations.
Call +65 6222 2221 or find them at UOB Plaza, 80 Raffles Place (Mon–Fri 9 am–4:30 pm). Suits the disciplined spender who sees a credit card as part of the budget, not a wildcard. UOB One Card
Related: Best Credit Card For Hotel Booking in Singapore — before you book the next hotel stay.
Related: Best Credit Cards for Grab Rides in Singapore — if most of your commute is on Grab.
Standard Chartered Simply Cash Credit Card
Sometimes you just want a card that works in the background without any homework. The Standard Chartered Simply Cash Credit Card does exactly that: 1.5% unlimited cashback on every dollar, no minimum spend, no caps. New cardholders get an 8% welcome boost to start. Even IRAS tax payments, insurance premiums, and rental charges earn rebates here, which is rare.
You can reach them at +65 6747 7000 (8 am–8 pm) or drop by Marina Bay Financial Centre Tower 1, 8 Marina Boulevard (Mon–Fri 9 am–4 pm, select branches Sat 9 am–12 pm). Suits the laissez-faire cardholder who cannot be bothered with categories and just wants a fuss-free rebate, lah. Standard Chartered Simply Cash Credit Card
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Citi Cash Back Card
If your biggest outflows go to the supermarket and the fuel pump – plus a weekend restaurant table – the Citi Cash Back Card targets those spots: 8% on groceries and petrol, 6% on dining. There is a monthly cap of S$80 and you need to spend at least S$800 a month. It is designed for people who want good value from their food and driving habits, without complicated maths.
24-hour phone at +65 6225 5225, or visit Asia Square Tower 1, 8 Marina View (Mon–Fri 9:30 am–3:30 pm). Suits the food lover and the driver – someone who wants dining bills to sting a little less each month. Citi Cash Back Card
If you are still browsing, we also have a look at Rebate Credit Cards in Singapore that frame the choice a little differently.
HSBC Live+ Credit Card
This card is running a promotion that makes it especially shiok right now: until December 2025, you get up to 8% cashback on dining, shopping, and entertainment – think movies, new clothes, or that cafe you have been meaning to try. Fuel earns 5%. The monthly minimum spend is a comfortable S$600, so it is less pressure than some others. It feels built for someone who spends on experiences, not just the necessary stuff.
Branch at Marina Bay Financial Centre Tower 2, 10 Marina Boulevard (Mon–Fri 9:30 am–4 pm, Sat 9:30 am–12 pm). Phone +65 6472 2669. Suits the sociable one who sees a card as a way to make going out pay you back. HSBC Live+ Credit Card
OCBC FRANK Credit Card
If your life happens on screen – GrabFood, Lazada, Amazon, Steam – this card is a natural fit. The OCBC FRANK Credit Card gives up to 8% cashback on online purchases, foreign currency transactions, and even contactless taps. There is an extra 2% for eco-friendly buys, which is a nice nod if sustainable shopping is your thing. The monthly cap is S$100 and you need to spend S$800.
24-hour line at +65 6363 3333, or head to OCBC Centre, 65 Chulia Street (Mon–Fri 9 am–4:30 pm). Suits the digital native and the frequent traveller who rarely touches cash. OCBC FRANK Credit Card
For a deeper dive into dining-specific rewards, read our piece on Elite Dining Rebate Credit Cards That Elevate Singapore&# ;s Culinary Scene.
Maybank Family & Friends Card
This one lets you choose your own adventure. Pick five out of eight categories – dining, groceries, transport, online shopping, whatever fits your household – and get 8% cashback on them. Heading up to JB or over to Bali? You also earn 8% on Malaysian and Indonesian spend. The monthly cap sits at S$80 with a minimum spend of S$800. It is like a custom-tailored cashback suit.
Phone +65 6550 7888, or visit Maybank Tower, 2 Battery Road (Mon–Fri 9:15 am–4:45 pm, Sat 9:15 am–12:15 pm). Suits the planner who knows where the household money goes and wants to maximise returns on very specific areas. Maybank Family & Friends Card
No one bought a spot on this list. If we have overlooked you, say so and we will consider it next time round.
CIMB Visa Signature Card
Supermarket and online shopping – the CIMB Visa Signature Card hands you 10% cashback, the highest rate among these cards. It also covers beauty and wellness, vet bills, and even cruise bookings. The monthly cap is S$100 and you need to spend at least S$800. It reads like a card for someone who treats daily well-being as a priority, whether that means a big grocery run or a facial.
Ring +65 6333 7777 (9 am–7 pm) or drop by 30 Raffles Place, #04-01 (Mon–Fri 9 am–4:30 pm, Sat 9 am–1 pm). Suits the person who does serious grocery hauls, takes care of their skin, and possibly has a pet that eats better than they do. CIMB Visa Signature Card
If miles are more your thing, we have a separate guide on Ways To Earn Airline Miles With Credit Cards in Singapore.
How to choose
Start with your last three months of bank statements. If your spending jumps around a lot, pick a card with no minimum spend, like the SC Simply Cash. If you routinely cross S$2,000, the UOB One makes sense. If groceries and dining dominate your debit, the Citi Cash Back or CIMB Visa Signature shine – but check the cap: S$80 or S$100 a month is easy to hit. For international online spend, the OCBC FRANK is built for it. The Maybank Family & Friends card rewards a bit of pre-planning: commit to your five categories early and you know exactly what you will get back. Also keep an eye on promotional rates; the HSBC Live+ 8% offer runs only until December 2025. Annual fees are not listed here, so confirm waiver terms directly with the bank.
| Card | Best for | Rebate Rate | Monthly Cap | Min Spend | Standout Feature |
|---|---|---|---|---|---|
| UOB One Card | Everyday essentials | Up to 10% on Grab/Shopee/groceries, 3.33% others | S$300 per quarter | S$2,000 | Quarterly cashback, fuel savings |
| Standard Chartered Simply Cash | No-fuss spenders | 1.5% unlimited, 8% welcome | None | None | Rebates on IRAS, insurance, rent |
| Citi Cash Back Card | Dining, groceries, petrol | 8% groceries & petrol, 6% dining | S$80 | S$800 | High cashback on food & fuel |
| HSBC Live+ Card | Dining, shopping, fun | Up to 8% dining/shopping/entertainment (until Dec 2025), 5% fuel | Check with the business | S$600 | Promotional rate on lifestyle spends |
| OCBC FRANK Credit Card | Online & overseas spends | Up to 8% online, foreign currency, contactless; 2% eco spends | S$100 | S$800 | Eco bonus, digital-native design |
| Maybank Family & Friends Card | Customisable household rewards | 8% on 5 chosen categories, 8% Malaysia/Indonesia | S$80 | S$800 | Pick your own cashback categories |
| CIMB Visa Signature Card | Groceries, wellness, pets | 10% on supermarkets, online, wellness, pets, cruises | S$100 | S$800 | Highest rate for supermarkets |
Summary
A cashback card works hardest when it mirrors your actual spending, not some ideal budget. Match your monthly outflow to the minimum spend requirements, watch the caps so you know what is really coming back, and you will land on a card that quietly pays you for what you are already doing.
All information here is gathered from publicly available sources. Card benefits, terms, and conditions can change, so always confirm directly with the bank before applying.
Frequently asked questions
Which cash rebate credit card is best for dining?
For dining, the Citi Cash Back Card gives 6% cashback, while the HSBC Live+ Credit Card offers up to 8% on dining and entertainment (promotion until December 2025). Both require a minimum monthly spend; the Citi card’s cap is S$80, and the HSBC Live+ has a lower minimum spend of S$600.
Is there a cashback card with no minimum spend?
Yes. The Standard Chartered Simply Cash Credit Card has no minimum spend required and no cap on cashback. You earn a flat 1.5% on all eligible spending, and new cardholders get an 8% welcome offer.
Which card gives the highest cashback rate?
The UOB One Card and the CIMB Visa Signature Card both offer up to 10% cashback on specific categories. UOB One gives 10% on Grab, Shopee, and groceries, while CIMB Visa Signature gives 10% on supermarkets, online shopping, beauty, pets, and cruises. Both have monthly spending requirements and caps.
Can I get cashback on my IRAS payments and insurance premiums?
With the Standard Chartered Simply Cash Credit Card, you can. It is one of the few cards that reward IRAS tax payments, insurance premiums, and even rental charges with its flat 1.5% unlimited cashback.
What should I check before picking a cash rebate credit card?
Look at your average monthly spending to see if you can meet the minimum spend requirement comfortably. Also compare the cashback cap – some cards cap at S$80 or S$100 a month, which can limit your returns if you spend heavily in high-rebate categories. Finally, confirm annual fee waivers with the bank directly.
Are there cards that let me choose my own cashback categories?
The Maybank Family & Friends Card lets you select five out of eight categories for 8% cashback. Categories include dining, groceries, transport, and online shopping, so you can tailor it to your household’s biggest expense areas.
