Quick answer: The DBS Live Fresh Student Card and OCBC Frank Card lead the pack for generous cashback on the things students actually spend on—online shopping, transport, meals out. If you want no minimum income fuss, the Citi Clear Card and Maybank eVibes Student Card are solid entry points. For straight-up high rebates on dining and entertainment, look at the CIMB AWSM Card and UOB EVOL Card.
You know the drill: lecture ends late, you grab teh tarik and roti prata before the last bus, and your wallet is a mess. These credit cards for students are built for that rhythm—no minimum income hoops, cashback that hits when you tap for supper, and enough flexibility that your 11pm online shopping spree doesn’t feel sian. Find one that makes your after-dark life a little more shiok.
Not sure this is the right list? Best Credit Cards in Singapore has 32 others alongside it.
Getting your first credit card is less about spending big and more about building a record that says you are steady. These seven cards get that. They let you earn cashback on the meals, bus rides and online hauls you were already paying for, while you quietly build credit in the background. No smoke and mirrors—just practical ways to make your allowance work a little harder.
This list is editorial, not advertising. Run something similar? Tell us what you do and we will take a look.
How to choose
Start with what you actually spend on. If your money flies out on Grab, Shopee orders and weekend meals, grab a card that rewards those categories heavily—OCBC Frank and CIMB AWSM both lean hard into online and dining. If your spending is spread thin across kopi, bus fares and the occasional treat, a flat-rate cashback like the DBS Live Fresh (0.3% unlimited) or Maybank eVibes (1% on everything) keeps things simple. Check the annual fee too. Most of these waive it easily with minimal usage, but the thresholds vary. And if you are still waiting for matriculation or serving NS, prioritise cards with no minimum income requirement—Citibank Clear and Maybank eVibes are built for that.
Related: Best High-Income Credit Cards in Singapore for $120K Earners — if your income clears the premium-tier threshold.
Card Comparison
| Card | Cashback / Rewards | Minimum Income | Annual Fee |
|---|---|---|---|
| DBS Live Fresh Student | Up to 6% on shopping & transport; 0.3% unlimited | None (student) | Check with the business |
| OCBC Frank Card | Up to 10% on foreign & online; extra at green merchants | Check with the business | Check with the business |
| Citi Clear Card | ThankYou Points on all spends; dining & travel deals | No minimum | Check with the business |
| Maybank eVibes Student | 1% cash rebate on all purchases; TREATS dining & travel savings | None (student/NS) | Waived with minimal activity |
| CIMB AWSM Card | Up to 10% on dining, entertainment & online shopping | Check with the business | Low annual fee; waiver available |
| Standard Chartered Manhattan | Discounts at selected hangouts & stores; points for travel & dining | None (tertiary students) | Check with the business |
| UOB EVOL Card | Up to 8% on online & mobile contactless; entertainment & dining | Check with the business | Waived with qualifying usage |
DBS Bank
The DBS Live Fresh Student Card is the one that gets your daily rhythm right—it rewards the grab-and-go life. We are talking up to 6% cashback on shopping and transport, and a quiet 0.3% on everything else with no minimum spend to chase. The card itself is made from recycled plastic, and it doubles as an EZ-Link card, so you tap through MRT gates without juggling wallets.
Address: 712A Ang Mo Kio Ave 6, #01-4066, Singapore 561712
Phone: 1800 111 1111
Hours: Weekdays 8:30am–4:00pm; Saturdays 8:30am–1:00pm
Website: https://www.dbs.com.sg
This one suits the student who wants to swipe and forget. There is no minimum spend to hit before you earn, so even a light month of spending still counts. If you are just starting to build credit and your money goes mostly on bus rides, Grab and the occasional retail therapy, this card fits without asking you to change your habits.
This list is editorial, not advertising. Run something similar? Tell us what you do and we will take a look.
If your day ends with a tap at the gantry and a quick stop at the convenience store, this card is your quiet enabler. It lives in your wallet as both payment and EZ-Link, so you never fumble for a card when the last train is three minutes away. The recycled-plastic build feels right for someone who cares about what happens after the party.
OCBC Bank
The OCBC Frank Card feels like it was designed by someone who actually watched what a uni student does on a Friday night. Up to 10% cashback on online and foreign currency transactions, extra rebates at green merchants, and you can even customise the card design. The cashback is capped at S$100 a month—enough to cover a decent supper run, but if you are a big spender, just track the cap.
Address: Use OCBC’s branch locator on their website to find the nearest one
Phone: +65 6538 1111 (Business Banking)
Hours: Weekdays 9:00am–4:30pm; Saturdays 9:00am–11:30am
Website: https://www.ocbc.com
This card makes a lot of sense for the digital-native student. You are probably ordering stuff online, buying games, maybe paying in foreign currency for subscriptions. The contactless mobile payment integration keeps it smooth. And if you care about where your money goes—the green merchant rebates nudge you toward spending that feels a little better.
If you are kitting out more than your wallet, we have looked at Singapore’s Elite Essentials for home upgrades that match the same energy.
Turning late-night fashion scrolls and food-court-app supper orders into cashback, the Frank Card feels made for the digitally woven student. Customising the card design is a small joy, and the green-merchant rebates mean your eco-conscious choices actually pay you back—even if it’s just for a teh halia after a long night.
Citibank
Citi Clear Card opens the door without asking how much you earn. No minimum income requirement, so if you are between gigs or still waiting for that first allowance bump, it does not matter. Every dollar earns ThankYou Points, and those points unlock dining and travel deals. There is a 25-day interest-free period and access to discounts at over 1,000 eateries islandwide.
Address: Asia Square Tower 1, 8 Marina View, #21-00, Singapore 018960
Phone: +65 6224 5757
Hours: Weekdays 9:30am–3:30pm; Saturdays 9:30am–11:30am
Website: https://www.citibank.com.sg
This card is for the student who wants a straightforward first step into credit without the paperwork headache. The rewards are not the flashiest, but the restaurant deals alone can stretch a weekend budget. If you eat out often and like the idea of accumulating points toward a graduation trip, this is a gentle place to start.
When the month stretches thin and you’re living on instant noodles and hope, the Citi Clear Card doesn’t judge. Its zero minimum income requirement makes it approachable, and the 25-day interest-free window gives you breathing room until the next allowance hits. Those ThankYou Points add up quietly, ready to unlock a supper deal at some 24-hour eatery when cravings strike.
Maybank
Maybank’s eVibes Student Card keeps things blessedly simple. One per cent cash rebate on all purchases, no annual fee as long as you use it occasionally, and automatic entry into the TREATS programme for up to 20% off dining and travel. It is positioned specifically for tertiary students and those serving national service.
Address: 2 Battery Road, Maybank Tower, Singapore 049907
Phone: 1800 629 2265
Hours: Weekdays 9:15am–4:45pm; Saturdays 9:15am–12:15pm
Website: https://www.maybank2u.com.sg
The beauty here is that you never have to think about categories or caps. Whether you are buying textbooks, grabbing boba or booking a bus ticket home, the same rebate applies. For an NSF drawing allowance or a student on a lean budget, the no-annual-fee promise takes the pressure off—just use it a few times a year and you are sorted.
Alongside credit, you might also be hunting for reliable Credit Loan Companies in Singapore to bridge bigger gaps.
If complicated cashback tiers make your head spin after a long day of lectures, the eVibes Card is a breath of fresh air. One flat rate on everything means even a late-night snack at a 24-hour coffee shop earns you something back. The automatic TREATS dining discounts are a quiet bonus when you gather friends for a meal after a group study session.
CIMB Bank
The CIMB AWSM Card goes straight for what makes a student’s world go round: dining, entertainment and online shopping—up to 10% cashback, no minimum spend and no cap on rebates. The annual fee is low, and there is a waiver pathway that does not tie you up in knots.
Address: 30 Raffles Place, #04-01, Singapore 048622
Phone: +65 6333 7777
Hours: Weekdays 9:00am–4:30pm; Saturdays 9:00am–11:30am
Website: https://www.cimb.com.sg
This card is dangerous in the best way. If your weekends revolve around makan sessions, movie tickets and late-night online impulse buys, the cashback adds up fast. The fact that there is no cap means you do not have to game the system—just live your life and watch the rebate roll in. It suits the tech-savvy student who already does everything cashless and wants a card that rewards exactly that.
When your idea of a Friday unwind is a movie ticket, a bowl of bak chor mee, and an hour scrolling online stores at 1am, the AWSM Card quietly rewards all three. No caps mean you don’t have to stop when the night gets good. The low annual fee and easy waiver path keep it in your pocket without annual heartburn.
Standard Chartered Bank
Standard Chartered’s Manhattan Card takes a different tack—it gives you discounts at premium hangouts and stores, points you can pile up for travel and dining, and throws the door open to tertiary students without a minimum income bar. It feels less like a student card and more like an early invitation to the wider world of credit.
Address: Marina Bay Financial Centre, Tower 1, 8 Marina Blvd, #01-01, Singapore 018981
Phone: +65 6747 7000
Hours: Weekdays 9:00am–4:00pm; Saturdays 9:00am–12:00pm
Website: https://www.sc.com/sg
This one appeals to the student who already has an eye on life after graduation—someone who wants to build credit with a globally recognised bank while enjoying tangible perks now. The merchant discounts can make a night out feel a bit more atas for less, and the points system quietly sets you up for a post-exam getaway.
If you are polishing your whole setup, our guide to Singapore’s Elite Essentials for laptops might be the next thing you read.
A student eyeing the city’s late-night dessert bars and rooftop gatherings will find the Manhattan Card an understated plus-one. It opens discounts at spots that feel a notch above the usual hangout, and the points you accumulate can fund a future trip or a fancy meal. No income threshold means you can start building that credit profile early, without the usual gatekeeping.
UOB Bank
The UOB EVOL Card comes out swinging with up to 8% cashback on online and mobile contactless spends. Entertainment and dining earn rewards too, and the annual fee vanishes with qualifying usage. It is built for a generation that taps, scrolls and orders everything through a screen.
Address: Use UOB’s branch locator on their website to find the nearest one
Phone: 1800 222 2121
Hours: Weekdays 9:30am–4:00pm; Saturdays 9:30am–12:30pm
Website: https://www.uob.com.sg
If your phone is your wallet and most of your spending happens contactless—GrabPay, Apple Pay, online food orders—this card lines up perfectly. The cashback rate on digital spends is among the highest here, and the entertainment rewards sweeten the deal. It suits the student balancing studies and a social life, who wants a card that rewards the lifestyle they already have.
Summary
Student credit cards in Singapore have come a long way. The seven here cover different spending personalities—flat rebates for the no-fuss types, high category cashback for the heavy online spenders, and zero-income-requirement options for those just starting out. Pick one that matches your actual spending, use it steadily, and let it build your credit score in the background while you get on with school, NS or whatever is next.
Disclaimer: All information provided here has been compiled from publicly available sources. While we have made every effort to ensure accuracy, we do not guarantee that the information is complete or error-free. Details can change, so confirm directly with the business before applying. We disclaim any liability for inaccuracies or omissions.
Frequently asked questions
Built for nights when you order supper via app and tap your phone at the convenience store, the EVOL Card rewards the screen-first life. The cashback on online and contactless spends covers the deliveries and digital subscriptions that keep you going, while dining rewards sweeten the rare sit-down meal after a late lab session.
Do student credit cards in Singapore need a minimum income?
Not always. Several cards on this list—like the Citi Clear Card and Maybank eVibes Student Card—have no minimum income requirement. Others waive it for tertiary students. Always check the specific application criteria with the bank.
What is the best student card for online shopping?
The OCBC Frank Card and CIMB AWSM Card both offer up to 10% cashback on online transactions. The UOB EVOL Card gives up to 8% on online and mobile contactless spends. Compare the caps and categories to see which matches your shopping habits.
Can I use a student credit card to build a credit score?
Yes. Using any of these cards responsibly—paying on time and keeping utilisation low—helps build a credit history in Singapore. That record matters when you apply for loans or premium cards later.
Are there student cards with no annual fee?
Most of the cards here either have no annual fee or waive it with minimal activity. The Maybank eVibes Student Card waives the fee as long as you use it occasionally. Confirm the exact waiver terms with the bank before you apply.
Which student credit card is best for NSFs?
The Maybank eVibes Student Card specifically caters to national servicemen and tertiary students, with a simple 1% rebate on everything and no annual fee fuss. The Citi Clear Card is also open without a minimum income requirement.
Do these cards work for public transport payments?
Some do. The DBS Live Fresh Student Card integrates with EZ-Link for direct use on buses and the MRT. Others support contactless mobile payments through Apple Pay or Google Pay, which you can use at fare gates.
