Last updated 6 August 2026. This page was reviewed on that date. Prices, rates and opening hours change often in Singapore — confirm anything that matters directly with the business before you travel or spend.
Quick answer: The UOB One Card gives the most consistent tiered cashback across everyday spending, while the DBS yuu Card and NTUC Link Credit Card by Trust are the heavy-hitters if you do most of your grocery shopping at their partner outlets. For dining and entertainment, the HSBC Live+ Card runs a strong 8% promotion. The UOB EVOL Card suits anyone who mainly spends online and wants zero FX fees, and the Maybank Family & Friends Card lets you pick your own bonus categories.
For spending mostly on restaurant meals, you might prefer the dining rebate credit card that fits your table.
Choosing a rebate credit card means matching your spending patterns to a card’s reward rules. A 10% rate on dining means nothing if you eat at home; a high grocery rebate matters little if you shop at different stores. The real decision turns on two axes: category coverage versus spending consistency. Below, we frame each card so you can see which fits your life.
Part of Best Credit Cards in Singapore: 33 guides covering this ground, for the wider view before you choose.
UOB One Card
Most people just want a card that rewards the life they already lead, and the UOB One Card delivers that without asking you to change a single habit. It covers a properly broad spread: online shopping, in-person purchases, dining, food delivery, groceries, flights, hotels, phone bills, utilities, ride-hailing, public transport and healthcare. The cashback is tiered, so the more consistently you spend, the better it gets.
Hit at least S$600 per statement month and you unlock up to 3.33% cashback, with quarterly payouts reaching S$200 when you maintain that rhythm. It is the kind of card that quietly stacks up rebates every month while you get on with things. No fiddling with rotating categories, no need to track which merchant falls where. If you value predictability and a wide net over laser-focused promos, this one is hard to beat.
Contact & details:
Phone: 1800 222 2121
Email: [email protected]
Head office: 80 Raffles Place, UOB Plaza, Singapore 048624
Hours: Monday to Friday, 9:00 AM – 6:30 PM
UOB One Card
See also: Discover Pinnacle of Cash Rebate Credit Cards in Singapore for a wider look at what separates a good rebate card from a great one.
Related: Best High-Income Credit Cards in Singapore for $120K Earners — if your income clears the premium-tier threshold.
This card suits anyone whose monthly outflow is steady and broad. The cashback tiers reward consistency: spend more across many categories and your effective rebate rate climbs. The mechanism is a minimum monthly spend unlock—once you clear it, everything from dining to utilities gets a boost. Think of it as a baseline card for a balanced budget.
DBS yuu Card
If your weekends revolve around a Cold Storage run or you grab a quick bite from BreadTalk before work, the DBS yuu Card was practically made for you. It is a merchant-focused card that leans hard into the yuu ecosystem: Giant, Cold Storage, Gojek, 7-Eleven, Foodpanda, Singtel, Guardian and BreadTalk, among others.
The base rate is already a solid 5% cash rebate at those partners, uncapped and with no minimum spend. Push your monthly card spend to S$600 and you unlock bonus tiers that can take you all the way to 18%. It is a card where loyalty genuinely pays, and the fact that the base rate has no floor means even lighter months still count for something.
We compile these ourselves and take suggestions. If your business belongs on this list, tell us why.
Contact & details:
Phone: 1800 222 2200
Head office: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982
Hours: Monday to Friday, 8:30 AM – 8:30 PM
DBS yuu Card
Built for shoppers who already orbit the yuu ecosystem. If your weekly routine includes Cold Storage, 7-Eleven, or BreadTalk, the uncapped 5% rebate adds up without any spend-tracking mental load. The trade-off is simple: your rewards live inside a defined merchant circle, but for loyalists, that circle covers daily life.
If you are weighing the rebate options, a better fit might be the cash rebate credit card that matches your outflows.
HSBC Live+ Card
For anyone with a social calendar that actually gets filled up, the HSBC Live+ Card earns its keep quickly. Right now it runs an 8% cashback rate on dining, shopping and entertainment for the first two quarters, with broad merchant category coverage that catches global cafés, fine dining spots and streaming services alike.
The S$600 monthly minimum is fairly gentle, and the low threshold makes it feel accessible rather than aspirational. If your idea of a good evening involves a restaurant you booked three weeks in advance, or you simply order in more often than you cook, that 8% adds up fast. The promotional rate does have a time limit, so treat it as a strong seasonal play rather than a forever card, but while it is active it is one of the better dining rebates around.
For a different angle, Elite Dining Rebate Credit Cards That Elevate Singapore’s Culinary Scene walks through several options that focus specifically on food and drink.
Contact & details:
Phone: +65 6472 2669
Head office: 10 Marina Boulevard, Marina Bay Financial Centre Tower 2, #48-01, Singapore 018983
Hours: Monday to Friday, 9:00 AM – 6:00 PM
HSBC Live+ Card
For a period, your dining, shopping and entertainment earn 8% cashback, which makes this card a strong short-term companion for anyone with an active social season ahead. The monthly minimum is approachable, so you can capture elevated rewards without restructuring your entire budget. Best when you forecast a few months of brisk spending.
NTUC Link Credit Card by Trust
FairPrice regulars, this one is practically a no-brainer. The NTUC Link Credit Card by Trust is built around a single mission: giving you the deepest possible savings at FairPrice stores, and it does that in tiered style.
Even with zero monthly spend you get a 4.5% rebate. Ramp it up to S$700 a month and the savings hit 21%, which is about as aggressive as grocery rebates get in Singapore. As a Link member you also earn points on top of the cashback, so the total return can feel quite shiok after a big shop. It is specific and unapologetic about it — if your household runs on FairPrice, this card earns its place in your wallet faster than you can say “chope the trolley.
We compile these ourselves and take suggestions. If your business belongs on this list, tell us why.
Contact & details:
Phone: +65 3138 7878
Head office: 77 Robinson Road #25-00, Robinson 77, Singapore 068896
NTUC Link Credit Card by Trust
This card turns FairPrice visits into a tiered savings engine. Even casual shoppers get a baseline rebate, but the real power unlocks above S$700 monthly spend, where the rate becomes exceptional. The mechanism is straightforward: the more you centralise household groceries here, the larger your rebate—no complex categories to juggle.
UOB EVOL Card
There is a certain type of spender who buys almost everything on their phone, hits the gym regularly, and travels often enough to care about foreign exchange fees. The UOB EVOL Card is aimed squarely at that person. It gives 10% cashback on combined online and mobile contactless spend, plus rebates on selected gym memberships, telco bills and streaming subscriptions.
The real bonus is the zero FX fees on overseas transactions, which makes it a steady travel companion too. The catch is a S$30 monthly cap on the key categories with a S$600 minimum spend, so it is best for moderate, consistent use rather than a single blowout month. Still, if your spending lives on your screen and you want a card that treats foreign currency like local, this one fits neatly.
If you are also curious about building miles alongside rebates, Ways To Earn Airline Miles With Credit Cards in Singapore covers the flip side of card rewards.
Contact & details:
Phone: 1800 222 2121
Email: [email protected]
Head office: 80 Raffles Place, UOB Plaza, Singapore 048624
Hours: Monday to Friday, 9:00 AM – 6:30 PM
UOB EVOL Card
A digital-first card for those who transact mostly via phone and travel without wanting to pay FX fees. The combined online and mobile contactless category means one spending bucket tracks all your screen-tap purchases, including gym subscriptions and streaming. It is structured so your mobile habits directly lower your monthly bill.
Maybank Family & Friends Card
Not everyone splurges on the same things, which is why a card that lets you pick your own bonus categories can feel like a small act of financial empowerment. The Maybank Family & Friends Card gives you five categories to choose from — online shopping, dining, groceries, foreign currency and transport — and delivers 8% cashback on them.
The S$800 monthly minimum and S$125 quarterly cap mean you want to use it deliberately, not passively, but the quarterly flexibility to reselect categories keeps it fresh. If one quarter is heavy on Grab rides and the next is all about stocking the pantry, you adjust accordingly. It also throws in Malaysian Ringgit perks, handy for anyone who crosses the Causeway regularly.
Contact & details:
Phone: 1800-629 2265 (local) or +65 6533 5229 (overseas)
Head office: 2 Battery Road, Maybank Tower, Singapore 049907
Hours: Daily, 8:00 AM – 8:00 PM
Maybank Family & Friends Card
You choose five bonus categories each quarter, which gives you the flexibility to align the card with seasonal spending—think travel bookings one quarter, festive dining the next. The monthly minimum and quarterly cap ask you to be deliberate, but in return you get a high rebate exactly where you want it, on your own terms.
Maybank Platinum Visa Card
Some people just want a card that does the work without a lot of admin. The Maybank Platinum Visa Card keeps things simple: up to 3.33% cashback on almost everything, with spending tiers at S$300, S$1,000 or S$2,000 a month.
Quarterly cashback caps range from S$30 to S$200 depending on your tier, and the list of eligible spends stretches to include insurance and utilities, which many cards exclude. There is no merchant list to memorise and no category shuffling every quarter. For a fuss-free card that still punches above its weight, this one is reliable and steady — the kind of card you can set up as your default and forget about, knowing it is quietly clocking rebates in the background.
Contact & details:
Phone: 1800-629 2265 (local) or +65 6533 5229 (overseas)
Head office: 2 Battery Road, Maybank Tower, Singapore 049907
Hours: Daily, 8:00 AM – 8:00 PM
Maybank Platinum Visa Card
If you are just starting to build a wallet of your own, Premium Credit Cards for Young Adults in Singapore for Sophisticated Starter has options that ease you in without overwhelming fine print.
About the figures on this page. Rates, bonuses and qualifying spends were checked against the issuers’ own sites on 5 August 2026. Singapore banks revise these frequently — several cut their headline savings rates more than once in 2026 alone — so treat every number here as correct on that date rather than a standing promise, and confirm on the issuer’s page before you apply or move money.
How to choose
Start by looking at where your money actually goes each month, not where you think it goes. A card with brilliant grocery rates is wasted if you mostly eat out. A dining card does nothing for you if your biggest line item is a monthly insurance premium. Open your last three bank statements and group the charges: groceries, dining, transport, online shopping, bills. The card that matches your real pattern will always beat one with a higher headline number that does not fit your life.
Pay attention to minimum spends and caps. A card might advertise 10% cashback but require S$800 a month and cap the reward at S$25. If your typical spend is S$600, you either overspend to hit the tier or leave value on the table. The sweet spot is a card whose minimum monthly spend sits comfortably inside your normal rhythm, and whose cap you are unlikely to hit every single cycle.
Think about how much mental load you want to carry. Category cards like the Maybank Family & Friends Card reward engagement — you need to select categories quarterly and track where you swipe. Broad-based cards like the UOB One Card or Maybank Platinum Visa Card reward consistency without the homework. Neither is better; it just depends whether you enjoy optimising or would rather set it and forget it.
For most people, a fair annual fee range for a rebate card sits between S$0 and S$200, often with a first-year waiver. Many banks will waive subsequent years if you call and ask, especially if your spending is regular. Always check the waiver policy before applying — a card that costs S$190 a year to keep erodes a lot of its cashback if your annual rebate is only a few hundred dollars.
| Card | Best For | Key Rebate | Monthly Minimum | Cap |
|---|---|---|---|---|
| UOB One Card | Everyday spending | Up to 3.33% | S$600 | S$200 quarterly |
| DBS yuu Card | yuu partner merchants | Up to 18% | None for base; S$600 for bonus | Uncapped base rate |
| HSBC Live+ Card | Dining & entertainment | 8% (promotional) | S$600 | Check with the business |
| NTUC Link Credit Card | FairPrice groceries | Up to 21% | None for base; S$700 for top tier | Check with the business |
| UOB EVOL Card | Online & mobile spend | 10% | S$600 | S$30 monthly |
| Maybank Family & Friends | Custom categories | 8% on 5 chosen | S$800 | S$125 quarterly |
| Maybank Platinum Visa | Fuss-free broad rebates | Up to 3.33% | S$300 / S$1,000 / S$2,000 | S$30 – S$200 quarterly |
Summary
Grocery loyalists will feel most rewarded with the DBS yuu Card or NTUC Link Credit Card by Trust, while diners and social butterflies should take a good look at the HSBC Live+ Card while its promotional rate is running. The UOB One Card and Maybank Platinum Visa Card cover the widest ground with minimal fuss, and if you enjoy fine-tuning your rewards, the Maybank Family & Friends Card gives you the controls. Match the card to your actual spending pattern, watch the minimum-spend sweet spot, and the rebates really do start to feel like money you earned rather than money you chased.
Disclaimer: All details provided here are based on publicly available information and are accurate to the best of our knowledge at the time of writing. Rates, fees and terms can change, so please confirm directly with the bank before applying.
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Frequently asked questions
For those who prefer not to track categories at all, this card delivers a flat cashback rate across nearly all retail spend, including insurance and utilities that other cards ignore. Your monthly spending tier determines the effective rate, so you simply pick the tier that matches your regular outflow and let the rebate accumulate quietly.
Which rebate credit card is best for groceries in Singapore?
It depends on where you shop. The DBS yuu Card gives up to 18% rebates at yuu merchants like Cold Storage and Giant, while the NTUC Link Credit Card by Trust offers up to 21% savings at FairPrice stores for Link members. Both have base rates with no minimum spend, which is useful for lighter months.
Do I need a high income to get a good cashback card?
Not necessarily. Cards like the UOB EVOL Card and Maybank Platinum Visa Card target moderate spenders and have lower minimum income requirements compared to premium miles cards. Each bank sets its own income threshold, so check the specific eligibility on their website.
How do tiered cashback cards work?
Tiered cards like the UOB One Card and Maybank Platinum Visa Card increase your cashback percentage as your monthly or quarterly spend rises through set bands. You need to hit a minimum amount each statement cycle to unlock the higher rate. The key is picking a tier that matches what you already spend, not stretching to reach it.
Are there rebate cards with no minimum spend requirement?
The DBS yuu Card and NTUC Link Credit Card by Trust both offer a base rebate rate with no minimum spend, though their top-tier rates do need a minimum. For completely unconditional cashback, you may need to look at simpler entry-level cards, but the rates tend to be noticeably lower.
What is the difference between a rebate card and a miles card?
A rebate card returns a percentage of your spending as cashback or statement credit, usually each month or quarter. A miles card earns points that convert into air miles or travel rewards. Rebate cards suit people who value immediate savings; miles cards reward those who travel regularly and are willing to plan redemptions. The two categories often overlap in Singapore, with some cards offering both.
Will I be charged an annual fee, and can it be waived?
Most rebate cards have an annual fee that ranges from about S$100 to S$200, often waived for the first year. Many banks will waive subsequent years if you call and request it, especially if your spending has been steady. Always ask before paying — the savings from a five-minute call can be substantial.
