Quick answer: DBS is a solid all-rounder with high online and travel earn rates. UOB One Card delivers shiok cashback on daily essentials, while Citibank PremierMiles and Amex Platinum suit those chasing lounge access and miles that never expire. OCBC 365 keeps it steady for dining and fuel, and Standard Chartered Simply Cash gives fuss-free unlimited rebates. HSBC and Amex also come with generous welcome offers if you’re willing to read the small print.
For the full picture, Best Credit Cards in Singapore collects 33 guides on this subject.
DBS Bank
DBS has its roots deep in Singapore’s banking scene and keeps things fresh with a digital-first approach that actually works. If you’re trying to stretch every dollar on online hauls and trips, their cards are tuned for that.
The DBS Woman’s World Card dishes out up to 10X points on online shopping and beauty purchases, which can pile up fast if you’re a regular on Lazada or Sephora. Couples and solo travellers lean on the DBS Altitude Visa Signature Card, which earns miles on everything with no cap and throws in complimentary airport lounge access. Sign-up bonuses like bonus miles or cash rebates appear quite often, so timing your application can pay off.
Address: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982
Operating Hours: Weekdays 8:30 AM–4:30 PM, Saturday 8:30 AM–1 PM, closed Sunday
Phone: 1800 111 1111
Website: DBS Bank
This is the one to pick if your spending is heavy on online shopping, beauty, or you want a travel card without worrying about expiry dates. Miles kakis will find the Altitude card steady for everyday accumulation. If you’re hunting for card sign-up deals, check our guide to Credit Card Promotions in Singapore – promos shift all the time.
One more list: Best High-Income Credit Cards in Singapore for $120K Earners — if your income clears the premium-tier threshold.
UOB
UOB got its start on Raffles Place, and it still feels like a bank that understands what the heartland spender actually wants. Their credit cards put cashback and miles right where most of us burn through money: food, transport, and overseas trips.
The UOB One Card is quite shiok for daily needs – up to 10% cashback on groceries, transport, and selected merchants, as long as you hit a minimum spend consistently. If you’re travelling, the UOB EVOL Card accelerates miles on foreign currency spends and includes free travel insurance. Welcome bonuses can reach up to SGD 300 cash credit, so it’s not a bad idea to apply when those promos are live.
This round-up is editorial. Suggestions are welcome – tell us what you offer and where.
Address: 80 Raffles Place, UOB Plaza, Singapore 048624
Operating Hours: Weekdays 9:30 AM–4:30 PM, Saturday 9:30 AM–12:30 PM, closed Sunday
Phone: 1800 222 2121
Website: UOB
If you’re the sort who taps the same card for kopi, groceries, and MRT, the One Card returns enough to make it a top contender. The EVOL Card is better for those with regular overseas spending who want to stack miles fast. And if makan deals light you up, our list of Dining Credit Cards in Singapore might be your next stop.
OCBC
OCBC sits at 65 Chulia Street, and its credit cards lean into everyday categories that feel practical rather than flashy – which is precisely why they work for a lot of people. Their cashback and points setups are simple enough that you don’t need a spreadsheet.
The OCBC 365 Credit Card gives up to 6% cashback on dining and fuel, both things that never seem to get cheaper. Meanwhile, the OCBC Frank Card speaks to a younger crowd with stronger rewards on online fashion and entertainment spends. Sign-up promotions often include bonus cashback and the flexibility to trade points for vouchers or air miles.
Address: 65 Chulia Street, OCBC Centre, Singapore 049513
Operating Hours: Weekdays 9:30 AM–4:30 PM, Saturday 9:30 AM–12 PM, closed Sunday
Phone: 1800 363 3333
Website: OCBC Bank
A good fit if your card bill is full of restaurant charges and weekend petrol top-ups. Young adults who do a lot of online shopping will also find the Frank card helps cashback tick up without thinking too much. Both cards are low-fuss and let you redeem rewards your way – you’re not locked into a programme that doesn’t match your life.
Citibank Singapore
Citibank’s Marina View headquarters handles a global operation, and their Singapore card line-up reflects that – it’s built for people who move between countries or simply want miles that don’t disappear. Their two flagship cards cover straightforward cashback and flexible travel rewards.
The Citi PremierMiles Card earns up to 10 miles per SGD 1 on travel bookings, and the miles never expire – that is a big deal if you’re a once-a-year holidaymaker. The Citi Cash Back+ Card gives an unlimited 1.6% cashback on everything, so no need to track categories. Welcome offers can include premium luggage or bonus miles, plus lounge access for those who travel.
Address: Asia Square Tower 1, 8 Marina View, #21-00, Singapore 018960
Operating Hours: Weekdays 9:30 AM–3:30 PM (Asia Square branch), weekends closed (hours vary by branch)
Phone: +65 62255225
Website: Citibank Singapore
Grab the PremierMiles card if you book flights and hotels regularly and hate seeing miles vanish after a year. The Cash Back+ is for the “just give me something back” crowd – no minimum, no cap, just a steady rebate. Both are backed by a concierge service that can actually help when plans go sideways overseas.
HSBC Bank Singapore
HSBC’s Marina Boulevard branch handles a mix of wealth management and everyday banking. Their credit cards lean into contactless spending and dining, which suits how a lot of Singaporeans actually live day-to-day.
The HSBC Revolution Credit Card earns 10X rewards on online and contactless spends – that’s your tap-and-go Grab rides and food delivery sorted. For those who eat out a lot, the HSBC Live+ Card offers up to 8% cashback on dining and entertainment. Sign-up rewards can hit up to SGD 1,000 during a good promo window.
Address: 10 Marina Boulevard, Marina Bay Financial Centre Tower 2, Singapore 018983
Operating Hours: Weekdays 9:00 AM–5:00 PM, weekends closed (hours may vary)
Phone: +65 6227 8889
Website: HSBC
If most of your spending is a quick wave at the terminal, the Revolution card quietly stacks points. The Live+ card covers a lot of weekend brunches and cinema nights. And for anyone eyeing a bigger picture, we’ve covered Ways To Earn Airline Miles With Credit Cards in Singapore – useful if you’re trying to decide between points and pure cashback.
Standard Chartered Bank Singapore
Standard Chartered’s office at Marina Bay Financial Centre anchors a bank that keeps its card offerings refreshingly simple. They don’t ask you to jump through hoops for a decent return, which can be a relief when you’ve already got enough to track.
The Standard Chartered Simply Cash Credit Card does exactly what it says: 2% unlimited cashback on everything, no minimum spend, no categories. The Standard Chartered Rewards+ Card pushes out accelerated points on dining and overseas spends, which is where a lot of premium spenders live. Launch promos often hand out up to SGD 350 welcome cashback.
This round-up is editorial. Suggestions are welcome – tell us what you offer and where.
Address: Marina Bay Financial Centre, Tower 1, 8 Marina Blvd, #01-01, Singapore 018981
Operating Hours: Weekdays 10:00 AM–5:00 PM, weekends closed
Phone: +65 6747 7000
Website: Standard Chartered
The Simply Cash card is for anyone who finds tiered rebates a bit sian – just a flat rate, every month, no mental gymnastics. The Rewards+ card works better if you eat out often and travel, because that’s where your points multiply. Both give you a reason to keep the card in your wallet rather than in the drawer.
American Express International
American Express operates from One Marina Boulevard, and its cards carry an air of exclusivity that translates into proper perks if you travel often or entertain. The Platinum Card in particular opens doors that a regular bank card cannot.
The American Express Platinum Card comes with unlimited lounge access worldwide and a concierge that can handle bookings you’d rather not sort yourself. The American Express Singapore Airlines KrisFlyer Card fast-tracks miles towards that next business-class redemption. Welcome bonuses can be substantial – think hefty bonus points or statement credits that offset your first-year spending.
Address: 1 Marina Boulevard, #22-00, One Marina Boulevard, Singapore 018989
Operating Hours: Monday–Friday 8:30 AM–4:00 PM, Saturday 8:30 AM–12:30 PM, closed Sunday
Phone: +65 6396 6000
Website: American Express International
Pick the Platinum card if your idea of a good trip includes a quiet lounge and having someone else rebook your flight. The KrisFlyer card is for loyal Singapore Airlines flyers who want to pile up miles faster. Both feel atas for a reason – they reward high spend with high touch. If you’re starting out and want something with premium vibes but a softer entry, you might peek at Premium Credit Cards for Young Adults in Singapore too.
How to choose
Start with where your money really goes each month. If your card statement is full of hawker centre visits, petrol, and MRT top-ups, a high cashback card like the UOB One or OCBC 365 will put money back into your pocket without you having to do much. Flat-rate cashback cards such as Citi Cash Back+ and Standard Chartered Simply Cash are perfect if you don’t want to track categories or hit a minimum spend – just swipe and get something back.
For travel, miles cards come in two flavours: those that let you transfer points to KrisFlyer or other frequent-flyer programmes, and those that earn directly on your airline of choice. The DBS Altitude, Citi PremierMiles, and HSBC Revolution fall into the flexible bucket, while the Amex KrisFlyer card ties you directly to SIA. Check whether miles expire – Citi PremierMiles miles never do, which is a big plus if you fly less than twice a year. Pay attention to the earn rate on local spending, because most miles come from day-to-day use, not just flight bookings.
Sign-up bonuses can change every few months, so the moment you see a welcome offer that lines up with your spending pattern, go for it. Just confirm the minimum spend requirement – some ask for a few thousand in the first month or three, and if you’re not ready to hit that, the bonus disappears. Annual fees also vary; many waived for the first year, some for subsequent years if you call in. A fair price range for a mid-tier card is usually nothing in year one and somewhere between SGD 0 and SGD 200 after that, depending on waiver criteria – but premium cards like Amex Platinum charge more because of the lounge and concierge perks.
Ask yourself: do I want cash now, or do I want a cheap flight later? If the answer is both, you can hold two cards from different banks and assign each to its strongest category. Just avoid spreading yourself too thin across multiple cards that demand separate minimum spends.
| Bank | Key Card(s) | Rewards | Best For | Sign-Up Promo |
|---|---|---|---|---|
| DBS | Woman’s World Card, Altitude Visa Signature | 10X points online/beauty; unlimited miles, lounge access | Online shopping, travel | Bonus miles, cash rebates |
| UOB | One Card, EVOL Card | Up to 10% cashback on essentials; accelerated miles on foreign spends | Daily spending, overseas travel | Up to SGD 300 cash credit |
| OCBC | 365 Credit Card, Frank Card | Up to 6% cashback on dining/fuel; enhanced rewards on online fashion | Dining, fuel, online shopping | Bonus cashback, flexible redemptions |
| Citibank | PremierMiles Card, Cash Back+ Card | 10 miles/SGD 1 on travel; 1.6% unlimited cashback | Travel, flat-rate cashback | Luggage, bonus miles |
| HSBC | Revolution Card, Live+ Card | 10X rewards on contactless/online; up to 8% cashback on dining | Contactless spending, dining | Up to SGD 1,000 |
| Standard Chartered | Simply Cash Card, Rewards+ Card | 2% unlimited cashback; accelerated points on dining/overseas | No-fuss cashback, dining & travel | Up to SGD 350 cashback |
| American Express | Platinum Card, KrisFlyer Card | Lounge access, concierge; accelerated KrisFlyer miles | Premium travel, SIA loyalists | Bonus points, statement credits |
Summary
This line-up covers the main players in Singapore’s credit card scene for 2025. Whether you’re trying to squeeze cashback from your daily kopi and petrol stops, build miles for a long-haul holiday, or just want a card that gives something back without any fuss, there’s an option here that fits. Think about where your money actually disappears, pick the card that rewards that, and enjoy the little bit back each month – it adds up.
Disclaimer: All information here is based on publicly available details and is correct to the best of our knowledge at the time of writing. Offers, fees and branch hours can change, so please confirm directly with the bank before you apply.
Frequently asked questions
What is the best credit card for cashback in Singapore?
It depends on where you spend most. UOB One Card can give up to 10% cashback on groceries and transport if you hit the minimum spend. Standard Chartered Simply Cash gives a flat 2% unlimited cashback on everything, which is straightforward. OCBC 365 offers up to 6% on dining and fuel.
How do I choose a travel credit card?
Look at where you want to fly and how often. If you’re not locked to one airline, cards like DBS Altitude or Citi PremierMiles let you transfer points to various frequent-flyer programmes. Amex KrisFlyer is good if you mostly fly Singapore Airlines. Also check whether miles ever expire – Citi PremierMiles miles do not.
Do credit cards have annual fees?
Most cards have an annual fee, but many banks waive it for the first year and sometimes in subsequent years if you meet spending requirements. Premium cards like Amex Platinum charge a higher fee because of lounge access and concierge services. Always check the fee structure before signing up.
What is the difference between miles and cashback?
Cashback puts a percentage of your spending back into your account as statement credit, simple and immediate. Miles accumulate as points you can later redeem for flights or upgrades – they usually give higher value per dollar spent but are less flexible and require planning.
Can I have multiple credit cards?
Yes, many people hold two or more cards to maximise different reward categories. For example, one card for dining cashback and another for travel miles. Just be mindful of each card’s minimum spending requirements and annual fees, so they don’t cost more than they return.
Are there sign-up promotions I should know about?
Sign-up offers change frequently. Banks may give welcome cash credits, bonus miles, luggage sets, or statement credits if you apply during a promotional window and meet a minimum spend in the first few months. Compare current deals before applying to get the most out of the card.
