Quick answer: If you buy a lot online, the UOB EVOL Card (10% cashback, simple) and the CIMB Visa Signature (10% cashback, lifetime fee waiver) are hard to ignore. For miles, the Citi Rewards Card (10X points) and HSBC Revolution (10X points, zero annual fee) convert your Shopee hauls into tickets. The OCBC Titanium Rewards adds e-commerce protection on top of 4 miles per dollar, and the DBS Live Fresh gives fuss-free 6% cashback. The Maybank Family & Friends lets you switch categories around if your spending changes.
Online shopping is like ordering kopi these days—quick and automatic. The question for your card for internet purchases isn’t just about the highest cashback. It’s about which one suits your routine: the weekly groceries, the Friday night supper, the impromptu flight booking. Some cards treat your online spending with genuine warmth, whether through simple cashback or miles that add up. Find your fit and every checkout feels just right.
Not sure this is the right list? Best Phones & Computers in Singapore has 63 others alongside it.
Citibank
About a five-minute walk from Marina Bay MRT, Citibank’s Asia Square branch is where you can sort out a card that genuinely rewards online spending.
The Citi Rewards Card earns 10X ThankYou points—that is 4 miles per S$1—on internet purchases across fashion, food delivery, and groceries (travel bookings are excluded). Points come with no minimum spend to redeem, and you can swap them for cash rebates, air miles, or vouchers. The monthly bonus cap sits at 9,000 points, which covers a solid amount of online shopping before you get bumped to the base rate.
It is the kind of card that makes your treat-yourself purchases feel like they are pulling double duty. You are not chasing quarterly categories or remembering to activate anything. Kakis who do a lot of online grocery runs or grab food delivery a few times a week tend to rack up points fast.
If you love turning everyday clicks into future escapes, this card fits the way points stack up on fashion hauls and food delivery alike. The flexibility to redeem without meeting a minimum spend means even a quiet month brings a little treat. It feels like the card for someone who enjoys planning ahead while still living in the moment.
Address: 8 Marina View, #21-00 Asia Square Tower 1, Singapore 018960
Contact: +65 6224 5757
Website: citibank.com.sg
DBS Bank
DBS needs no introduction, and their Live Fresh Card keeps things straightforward for anyone who just wants cashback without the maths.
Up to 6% cashback on online and Visa contactless spends, with a tiny 0.3% on everything else. The monthly cashback ceiling is S$70, and you need to put at least S$800 through the card each statement cycle. One thing regulars mention is how well it tucks into Apple Pay or Google Pay—it almost forgets it is a physical card, and for online checkouts, that is shiok.
It suits people who want a no-drama entry-level card that still rewards daily online spending. If you are forever topping up GrabPay or ordering from Lazada, the cashback adds up without a lot of fuss.
This card feels like a reliable kaki for the practical shopper who just wants to see cashback land without doing mental sums. Tucked neatly into Apple Pay or Google Pay, it clocks your online and contactless spends seamlessly, whether you are ordering dinner or tapping at a self-checkout.
Address: 712A Ang Mo Kio Ave 6, #01-4066, Singapore 561712
Contact: 1800 111 1111
Website: dbs.com.sg
Nobody paid to appear here. If you think there is a gap in this list, we would rather hear about it than not.
United Overseas Bank (UOB)
UOB’s EVOL Card is aimed squarely at digital natives, and you can feel it the moment you check the cashback. A flat 10% on all online and mobile contactless spends, capped at S$80 per month with the same S$800 minimum spend many cards ask for.
It does not play coy with exclusions on the platforms you actually use, and the cashback is credited directly—no points conversion, no expiry stress. If you ever felt paiseh explaining miles to a friend, this is the card that cuts out the lecture.
Great for younger shoppers or anyone who wants a simple, high-reward card without pulling out a spreadsheet. Just be aware the cap is real, so if you are shopping above S$800 a month on pure online spend, the rebate hits the wall early.
This card clicks with anyone who lives on their phone and finds points conversion a bit sian. The cashback appears quietly in your account with no expiry fuss, so your late-night browsing feels instantly rewarded. It is a straightforward hi-five for digital natives who prefer things fuss-free.
Address: 80 Raffles Place, UOB Plaza 1, Singapore 048624
Contact: +65 6222 2121
Website: uobgroup.com
Oversea-Chinese Banking Corporation (OCBC)
The OCBC Titanium Rewards Card is a steady pick for online shoppers who also want a bit of insurance tucked in. You earn 50 OCBC$—which works out to 10 OCBC$ per S$1, or 4 miles—on shopping spends that include online, up to a monthly bonus cap of 10,000 OCBC$ (roughly S$1,110 in spend).
What makes this card feel different is its e-Commerce Protection. If your online order never arrives or turns up damaged, there is cover in place. That is not just convenient; it is reassuring when you are buying pricier electronics or clothing from a new site. Miles sweeten the deal further if you plan to convert to KrisFlyer.
It is a good fit for anyone who treats their online cart like a considered purchase. You might also want to peek at OCBC Credit Cards in Singapore if you are weighing other options from the same bank.
Beyond the rewards rate, there is a quiet layer of comfort here. Knowing your online purchase is protected if the parcel never arrives or turns up damaged turns every checkout into a calmer experience. It suits the planner who likes a safety net while still earning miles for a future trip.
Address: 65 Chulia Street, OCBC Centre, Singapore 049513
Contact: 1800 363 3333
Website: ocbc.com
HSBC
If you die die must avoid annual fees, the HSBC Revolution Card says it loud: no annual fee, ever. It earns 10X Rewards points (again, 4 miles per S$1) on online and contactless spends, capped at S$1,000 of qualifying spending per statement month.
The card covers a wide net—food delivery, dining, entertainment, and shopping platforms—so your Friday-night sushi order and your Sunday afternoon flight booking both earn the same boosted rate. It works with digital wallets without a hitch, making it one of those cards you end up leaving in the app and never pulling out.
If miles are your thing, you might also like Ways To Earn Airline Miles With Credit Cards in Singapore for a broader view. The Revolution is essentially a low-maintenance miles card for people who refuse to pay for the privilege.
If you absolutely dread the annual fee waiver call, this card comes like a quiet promise. Points earn steadily across your favourite food delivery, dining, and travel apps, so your weekend indulgences all work towards something. It is the no-strings-attached buddy that never asks you to jump through hoops.
Website: hsbc.com.sg
Contact: +65 6227 8889
Branches: Multiple across Singapore; use the branch locator on the site.
CIMB Bank
CIMB’s Visa Signature Card is one of those quietly confident options. 10% cashback on online shopping, capped at S$100 a month (split into S$20 per category), with a minimum spend of S$800. Everything else outside the bonus categories gets 0.2%.
The real steady-here detail is the lifetime fee waiver for principal cardholders. No “call in to ask for waiver” dance every year. The categories include beauty and groceries on top of general online shopping, so if your idea of internet purchases includes stocking up cleansers or pantry restocks, this card pulls its weight.
Nobody paid to appear here. If you think there is a gap in this list, we would rather hear about it than not.
For someone whose online basket hops between groceries, beauty finds, and gaming top-ups, the category-based cashback keeps things tidy. The lifetime fee waiver means you simply forget about renewal calls. It is a steady, undemanding companion that hums along quietly through every tap-and-checkout.
Address: 30 Raffles Place, #04-01, Singapore 048622
Contact: +65 6333 7777
Website: cimb.com.sg
Maybank
The Maybank Family & Friends Card is built for people whose spending does not stay in one lane. You pick your highest-cashback categories (up to 8% on two chosen ones, including online shopping), and you get a roomy S$312.50 monthly cashback cap, provided you hit the S$800 minimum spend.
Because you can pre-select your categories, the same card can lean towards groceries, transport, or online spending depending on the season. It also throws in fuel savings, which is a nice bonus if you drive. For anyone who likes their rewards customisable—and who finds fixed-category cards a bit sian after a while—this one bends around your life, not the other way round.
If you also enjoy squeezing value from meals out, have a look at Dining Credit Cards in Singapore to complement your online haul with some restaurant rewards.
If your spending shifts with the seasons—more groceries this month, transport top-ups the next—this card adapts around you. Pre-selecting your best cashback categories feels like tailoring a suit, and the generous monthly cap makes it a natural fit for running the household errands through your phone.
Address: 2 Battery Road, Maybank Tower, Singapore 049907
Contact: 1800 629 2265
Website: maybank.com.sg
How to choose
The right card depends on how you want your reward delivered—cash or miles—and how much you typically spend online each month.
Cashback lovers should look at the rate but also the cap. UOB EVOL and CIMB Visa Signature both give 10%, yet CIMB’s S$100 ceiling is higher than UOB’s S$80. DBS Live Fresh gives 6% up to S$70, which might be enough if your spending is modest. Maybank’s 8% is high but you must select the online category in advance and the cap is generous at S$312.50, though that is a combined cap for all chosen categories.
Miles chasers have three strong 4-miles-per-dollar contenders: Citi Rewards, OCBC Titanium Rewards, and HSBC Revolution. Citi caps bonus points at 9,000 a month, OCBC at 10,000 OCBC$, HSBC at S$1,000 spend. If you hate annual fees, HSBC is the only one with a lifetime waiver. If you worry about non-delivery, OCBC’s e-commerce protection is unique. No minimum spend for redemption on Citi Rewards also matters if you prefer cashing out points anytime.
Minimum spend is a recurring condition: most ask for S$800. If you rarely hit that, the effective rewards drop because you earn only base rates that month. And if you use digital wallets heavily, confirm the card counts those as online or contactless—most do, but it is worth a call.
| Card | Key Online Reward | Rate | Monthly Cap | Min Spend | Annual Fee |
|---|---|---|---|---|---|
| Citi Rewards Card | 10X ThankYou points (miles) | 4 mpd | 9,000 points | None for redemption | Check with the business |
| DBS Live Fresh Card | Cashback on online & contactless | Up to 6% | S$70 | S$800 | Check with the business |
| UOB EVOL Card | Cashback on online & mobile contactless | 10% | S$80 | S$800 | Check with the business |
| OCBC Titanium Rewards | Points on shopping incl. online | 4 mpd (10 OCBC$/S$1) | 10,000 OCBC$ | None stated | Check with the business |
| HSBC Revolution Card | 10X Rewards points (miles) | 4 mpd | S$1,000 spend/month | None stated | No annual fee |
| CIMB Visa Signature Card | Cashback on online shopping | 10% | S$100 (S$20/cat) | S$800 | Lifetime waiver for principal |
| Maybank Family & Friends | Cashback on chosen categories | Up to 8% | S$312.50 | S$800 | Check with the business |
Summary
UOB EVOL and CIMB Visa Signature give the highest straightforward cashback, while Citi Rewards, OCBC Titanium Rewards, and HSBC Revolution convert online spending into miles at 4 mpd. OCBC adds purchase protection and HSBC ditches the annual fee. DBS Live Fresh suits lighter spenders, and Maybank Family & Friends gives the freedom to shift categories when your habits change.
Disclaimer: Details can change, and card terms are updated from time to time. Always confirm the latest rates, caps, and fees directly with the bank before applying.
Frequently asked questions
Which card gives the highest cashback for online shopping?
Several cards offer 10% cashback—UOB EVOL and CIMB Visa Signature both hit that rate. CIMB has a higher monthly cap of S$100 (split across categories), while UOB caps at S$80. Which one feels sweeter depends on how much you spend.
Do any of these cards have no annual fee?
Yes. HSBC Revolution has no annual fee ever. CIMB Visa Signature gives a lifetime waiver for principal cardholders. For other cards, the annual fee policy may change or can sometimes be waived upon request—check with the bank.
What is the minimum spend I need to earn the bonus rewards?
Most cards require S$800 per statement month: DBS Live Fresh, UOB EVOL, CIMB Visa Signature, and Maybank Family & Friends all have this condition. Citi Rewards and HSBC Revolution do not state a minimum spend for the bonus rate, though there are earning caps. OCBC Titanium Rewards also does not mention a minimum.
Which card is best for earning air miles on online purchases?
Citi Rewards, OCBC Titanium Rewards, and HSBC Revolution all earn 4 miles per dollar on eligible online transactions. Caps and redemption flexibility differ: Citi Rewards caps at 9,000 bonus points, OCBC at 10,000 OCBC$, and HSBC at S$1,000 of qualifying spend monthly.
Are there any cards that protect my online orders if something goes wrong?
OCBC Titanium Rewards includes e-Commerce Protection that can cover you for non-delivery or defective items. That is a specific feature not mentioned in the other cards on this list.
Can I use these cards for overseas online purchases?
Yes, any Visa or Mastercard can generally be used on international websites. However, watch out for foreign transaction fees and currency conversion charges, which are separate from the rewards discussed here. Confirm those charges with the bank directly.
