Narrow down your choice by comparing the cost (annual fee) and other benefits that come with these selected cards, until you find the card that is the best fit for you. Personalised, bite-sized reads, money hacks and product recommendations. Your cashback is credited to your account automatically, so you don’t need to worry about points expiring, or the loss of accumulated rewards due to account closure. Requires annual income of $ 30,000.00 for all applicant. Love it.” ”, Discover for yourself the most suitable option. It takes just $2,000 of foreign currency spending to hit that cap, so be careful! S$160.50 a year (Waived for the first 2 years) Supplementary card. spend of $800 in the first month after card approval is required. Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences! See which reward credit cards you've the best chance of getting, in your own personal best-buy table. Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings on food orders at a handpicked selection of popular restaurants. Apart from the usual air miles and vouchers, there are some nice premium gifts like Jura Coffee Machines, Fitbits, Bang & Olufsen devices and a mini Segway. 10X UNI$ (or 20 miles) per S$5 spent on your preferred category with no min. Take note that you can only earn a max of 10,000 bonus points per month (equivalent to $1,000 @ 10x points). Earn bonus points simply for shopping at CapitaLand Malls, and even more at selected partner merchants. T&Cs apply. (Ignore the name – men can sign up too! Apart from the usual air miles, you can choose vouchers from a range of malls, boutiques and restaurants including Spa Esprit, EpiCentre, Ikea and Les Amis group. Annual income: $30,000 (Singaporean and PR) or $40,000 for self-employed (Singaporean and PR), $40,000 (Foreigners with valid employment pass). DBS rewards may be well known in Singapore, but its catalogue really isn’t the most impressive. Valid till 31 December 2020. Maybank Family & Friends MasterCard: Top Rebates in SG & MY: Best for rebates in SG & MY w/ S$500 min. While most travel cards favor foreign currency transactions, MB Horizon offers an incredible 3.2 miles per local S$1 spend on dining, transport, petrol, and Agoda bookings. Cashback. The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. Love it.”, Maybank Horizon Visa Signature Credit Card, Standard Chartered Unlimited Cashback Card, Allianz Global Assistance Travel Insurance, Standard Chartered Bank Rewards+ Credit Card, Best Cashback Credit Cards In Singapore 2020, Top Credit Card Promotions And Deals On SingSaver. T&Cs apply. Sign in now to claim your free savings guide. Or course, you can also choose to stick with a category across quarters. Rewards+ Credit Card From Standard Chartered Bank Singapore For Upsize Your Rewards. UOB Rewards vs DBS Rewards vs OCBC Rewards – Which Catalogue Is Best? This card offers you 10x points (10 points per dollar) for shopping or dining transactions made overseas. T&Cs apply10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate10X Rewards capped at 10,000 Points per statement month and expires every 5 years See all card details, 10X Rewards on all online purchases (excludes travel-related transactions). and pick a card that provides the most points accordingly. Now, the Citibank Rewards Card offers 10X ($1 = 4 miles) rewards on shoes, bags and clothes (both online and offline), department stores and all online shopping, excluding travel-related purchases. Credit cards that are more difficult to get include the ones with higher annual income requirements that can range from S$80,000 to S$200,000. before you apply. Valid till 31 Dec 2020. won’t make you go OMGWTFBBQ, but it’s nonetheless legit. T&Cs apply, 10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate, 10X Rewards capped at 10,000 Points per statement month and expires every 5 years. Fortunately, there’s another UOB card with equivalent points for that: The UOB Preferred Platinum Card. For diehard fans of our local shopping malls designed and managed by CapitaLand, this card is for you. Welcome Deals. Do you find yourself spending on different things during different times of the year? You can get the same 10X rewards on major online retailers like Amazon, Lazada, Taobao and AliExpress. Eligible for use with Apple Pay, Google Pay, Samsung Pay. Women who like to choose their own rewards. Apart from the cliched Beauty & Wellness, Fashion, and Family (including groceries), there are also categories like Transport (petrol) and Entertainment (nightlife). DBS Altitude Visa: Easy Annual Fee Waiver + Luxury Travel Perks. These cards often include customer loyalty programmes, offering higher rewards for purchases at certain merchants. You can grow and maintain your stash of points, then dip into them to meet your needs when necessary. Unlike many other rewards credit cards, the HSBC Revolution Credit Card lets you earn 10x points (10 points per dollar) when you make travel bookings online. You should therefore consider your spending habits (where you usually shop, what you spend on, etc.) I found and applied for a cashback card easily on their website. Upsize Your Adventures. (Ignore the name – men can sign up too!). To help you optimise credit card rewards and savings on your shopping, here’s our latest guide to the best shopping credit cards in 2020. Find the best credit cards in Singapore. After all, Singaporeans <3 collecting points and redeeming them. You can redeem anything from Les Amis dining vouchers to Amazon credit to cash rebates these days. , which is mainly for dining and clubbing privileges. $0.00 for 1st year Highlights. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. Best Rewards Credit Cards for Cashback. See the full review of the HSBC Revolution Credit Card here. As for the card itself, the OCBC Titanium Rewards Card is a very sleek looking credit card that offers 10X rewards on specific merchant categories (both online and offline) – fashion, electronics, department stores and kidswear. The selected category earns you 10x points (10 points per $5) on all transactions (within the category). Rewards credit cards are all about the points. The base earn rate is 5 points per dollar for all retail purchases, which rises to 15 points per dollar (3x points) for spends in CapitaLand malls. You may click the links to apply for respective bank cards and get the reward now! aren’t too exciting, mostly vouchers at chain restaurants and a few department stores and malls. movie tickets). Types of credit card rewards programs in Singapore. Step 4: When you have enough points, redeem stuff you want from the rewards catalogue. Tell us about your tricks in the comments. The UOB PRVI Miles Card is recognised to be one of the best air miles cards in Singapore, thanks to its generous earn rate of 1.4 miles per dollar (local) and 2.4 miles per dollar (overseas). With the wide array of businesses and services available online these days, this credit card could be earning you serious points. All rights reserved. Lots of people redeem air miles with their rewards points. Also, this card comes with no annual fee for life! “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. 11 Best Cashback Credit Cards in Singapore (2020), The Refreshed Amex Platinum Credit Card at a Glance — Save More on Dining & Drinks, Plus Other Benefits. If you’re after Amex rewards points, you can slowly earn them with an. See the full review of the Citibank Rewards Card here. Here are some of the best rewards credit cards for you to consider: Citi Rewards: 10X Rewards on online and shopping purchases, groceries and private hire rides DBS Woman’s World: 10X DBS Points (or 20 miles) on online purchases catalogue continues to be one of the best around, with everything from vouchers to watches to toys to hotel stays. SCB - Apple AirPods Gen 2 or S$300 Grab Vouchers, HSBC - Samsonite Prestige 69cm Spinner Exp or S$150 Cashback, Best Personal Accident Insurance Policies, See All Personal Accident Insurance Articles, full review of the UOB Preferred Platinum Card, full review of the HSBC Revolution Credit Card. You can enjoy cash backs as rewards with these credit cards: UOB One Card: Best Flat Rebate Rate: Up to 5% rebate on all spend, S$300/quarter. These days, there’s a lot more in banks’ rewards catalogues than boring old shopping vouchers. The details you see on our site may be different from others. What’s really great about this card is that you can choose one out of 7 spending categories to earn bonus rewards in – and you can even switch categories every 3 months. – 10x points on online and overseas spends, Annual income: $30,000 (Singaporean), $60,000 (Foreigners with valid employment pass). Be aware, though, that there’s a monthly cap of $1,000 so you can’t go too wild. Compare the top cash back, rewards, petrol, shopping, grocery or air miles credit cards and learn about credit card promotions and more. Best UOB Credit Cards In Singapore (2020), Best American Express Credit Cards In Singapore (2020), – 10x points on shopping, ride-hailing, online food and groceries, Online shopping, food and groceries delivery, – 10x points on overseas retail, dining and travel, Overseas dining and other spends, local dining, – 10x points on shopping, department store and online spends (local or overseas), Fashion, shoes, accessories and electronics, – 10x points on online shopping, food delivery, travel and contactless transactions, Contactless payments, online shopping, food delivery, travel, – 10x points at participating outlets at CapitaLand Malls, 10x points on selected dining, fashion and airport duty-free cosmetics and perfumes. American Express Singapore Airlines KrisFlyer Credit Card. But considering that this card is a premium credit card catered to the more affluent segment, things suddenly click into place. If you choose the Travel category, it essentially becomes the most powerful air miles card you can get in Singapore. Summary of Our Top Picks for Best Rewards Credit Cards in Singapore. Most rewards cards have no minimum spending requirements, so you don’t have to agonise over your expenses and track them in a spreadsheet. Simply enter promo code FLASH300 in your application to qualify. Annual fee: $192.60 (first two years free), Annual income: $30,000 (Singaporean), $45,000 (Foreigners with valid employment pass). Principal card. However, for bonus points (any transaction that gives more than 1x points) there is usually a cap on how many points you can earn in a specific period. All financial products and services are presented without warranty. Best for. But that’s reasonable for average Singaporeans who don’t live the high life. Here’s a quick look at the best entry-level rewards credit cards in Singapore and what type of spending they’re best for. A second factor to consider is the cap on bonus points imposed on your card. UOB PRVI Miles American Express Card . Read these next:Best Cashback Credit Cards In Singapore 2020Top Credit Card Promotions And Deals On SingSaverCashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?Best UOB Credit Cards In Singapore (2020)Best American Express Credit Cards In Singapore (2020). Use of this site constitutes acceptance of our, Here’s a quick look at the best entry-level. And of course, they’re a good way to earn air miles with your day-to-day local spending. Receive $100 CapitaVoucher when you make a min. Cashback cards have the benefit of being straightforward: you don’t need to worry about the best way to maximise your credit card rewards, you simply get paid a fixed percentage. ven the most tech-illiterate of Singaporean aunties can. If you buy a lot of stuff online, you’ll appreciate the 10X rewards on shopping, groceries, food delivery and entertainment (e.g. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. While there’s no minimum spend, there is a monthly cap of $1,000. With rewards cards, points are the name of the game. Just be aware of the expenditure cap, if any, as you won’t get bonus points beyond that. Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You? are probably the most sought-after rewards catalogue in town. Maybank Family & Friends: Rebates up to 8% in Singapore & Malaysia. When you need to go out, charge your ride-hailing fares to this card, along with any in-store shopping at department stores and shopping centres, to earn 10x points. But my favourite ones are Dining and Travel. PLUS offline dining and entertainment. Some provide additional points on specific spending categories, such as dining or fashion. Woohoo! Some even offer cash rebates. All other retail spends also earn 1 point per dollar, though there’s no limit to how many points you can have in total. That makes them good for “fun” spending (e.g. Now that you know what to look out for in a rewards credit card, have a look at our recommended rewards credit cards. This card may look boring, but it’s a solid workhorse that gets you rewards on all kinds of day-to-day spending. MoneySmart ExclusiveEarn Points for Online SpendingCiti Rewards CardOnline Spend, including Food Delivery and GroceriesS$1= 10X PointsGrab and GojekS$1= 10X PointsAll Other SpendS$1 = 1 PointGet $350 Cash via PayNow when you apply and spend on your card! Terms and conditions apply. Bank's T&Cs apply10X Rewards on Ride-hailing, Shopping and Online spends. In fact, I’ll be updating this article pretty often. Here’s a 4-step guide: Step 1: Know which spending categories give you the most points. If you’re not a new DBS/POSB credit cardmember, consider these promotions instead. Fees . These miles cards offer both top rewards rates and some of the market's best travel perks. Compare the Best Credit Cards for High Earners in Singapore by Dollar Value. The best credit card is the one that compliments your spending habits and allows you to maximise the cashback you can earn. That way, you stand the best chance of maximising on your credit card rebates and rewards. – 10x points on 1 selected category, which can be switched every quarter. Redeem rewards with OCBC$ earned on your Best Denki Credit Card via OCBC Rewards Catalogue. SingSaver.com.sg’s comparison tool helped me decide on an air miles card in 10 minutes.” ”, “ “I used to be scared of credit cards, but SingSaver.com.sg made me realise that I don’t have to worry about debt if I pay my bill on time each month. Because of banking jargon, rewards cards might seem complicated, but they’re actually really easy to use. Frequent flyers looking for new ways to earn miles might be interested in the new Standard Chartered Rewards+ Card, which rewards overseas spending (or online purchases in foreign currency) at a very good earn rate of $1 = 2.9 miles or 10X rewards. That means it’s a great everyday card, but you earn almost nothing on purchases for hotel and flight bookings. 30,000 and above for Singaporeans and Singapore PRs on major online retailers like,! At a handpicked selection of gift cards, points are the name – men can sign up for our for! That marks your credit card on the market annual Fee for life points per $ 5 ) on four..., mostly vouchers at a better-than-average selection of restaurants from the rewards catalogue has no cap at all men apply... Then dip into them to redeem whatever is in your wallet as well because you get the bang! Choose to stick with a unique twist after amex rewards are probably the best-known general-purpose credit... 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