Introduction: The Smart Way to Choose a Credit Card in Singapore
Singaporeans love to maximize their spending through cashback, miles, and rewards credit cards. Whether you’re a frequent traveler, a savvy shopper, or someone looking to optimize your everyday expenses, choosing the right credit card can help you save money and enjoy exclusive perks.
But with so many options available, which credit card is best for you in 2024? We tested and reviewed the top credit cards in Singapore based on cashback rates, travel perks, fees, and special promotions to bring you the ultimate guide.
📌 Bonus: We’ve included direct application links and bank offers for quick access!
1. Citi Cashback+ Card – Best for High Cashback with No Cap
📍 Best for: High cashback on all spending, no cap on earnings
The Citi Cashback+ Card is ideal for those who want a simple yet effective cashback card. With a 1.6% flat cashback rate on all eligible purchases, it’s one of the best options for those who don’t want to track category limits.
⭐ Key Features:
- 1.6% unlimited cashback on all spend categories 🚀
- No cashback cap & no minimum spend 🏆
- First-year annual fee waiver 💳
🔗 Apply Now: Citi Cashback+ Card Official Site
💡 Pro tip: Pair this with a miles card for travel perks!
2. DBS Altitude Visa – Best for Miles & Travel Rewards
📍 Best for: Frequent travelers looking to earn miles on daily spending
The DBS Altitude Visa Card is a must-have for travel lovers. Earn up to 3 miles per SGD 1 spent on online travel bookings and enjoy complimentary airport lounge access.
⭐ Key Features:
- 3 miles per SGD 1 spent on online travel bookings 🛫
- 1.2 miles per SGD 1 on local spend 💼
- 10,000 bonus miles upon annual renewal 🎁
- Two free lounge visits per year 🏨
🔗 Apply Now: DBS Altitude Visa Official Site
💡 Pro tip: Combine this with a cashback card for maximum benefits!
3. UOB One Card – Best for High Cashback on Everyday Expenses
📍 Best for: Maximum cashback on groceries, dining, and transport
The UOB One Card is a favorite among those who want to optimize everyday expenses. Up to 10% cashback is available when spending consistently every month.
⭐ Key Features:
- Up to 10% cashback on Grab, Shopee, and groceries 🛒
- 5% cashback on all retail spend with min. spend 🏦
- Additional savings with UOB One Savings Account 💰
🔗 Apply Now: UOB One Card Official Site
💡 Pro tip: Plan your spending in advance to hit the cashback cap!
4. OCBC 365 Card – Best for Dining & Petrol Cashback
📍 Best for: Dining, online food delivery, and fuel savings
The OCBC 365 Credit Card is perfect for food lovers and drivers, offering 6% cashback on dining and 5% on petrol stations.
⭐ Key Features:
- 6% cashback on dining, online food delivery 🍽️
- 5% cashback on petrol at all stations ⛽
- 3% cashback on groceries & online shopping 🛍️
- Up to SGD 80 cashback cap per month 💲
🔗 Apply Now: OCBC 365 Card Official Site
💡 Pro tip: Great card for those who frequently dine out!
5. American Express True Cashback – Best for No Hassle, Flat Cashback
📍 Best for: Simple cashback without category tracking
The Amex True Cashback Card is great for those who want an easy way to earn on all purchases with 1.5% unlimited cashback.
⭐ Key Features:
- 3% cashback on first SGD 5,000 spent in first 6 months 🥇
- 1.5% flat cashback on everything else 💵
- No minimum spend or cashback cap 🚀
- First-year annual fee waiver 🎉
🔗 Apply Now: Amex True Cashback Official Site
💡 Pro tip: Use this card for large purchases to maximize returns!
Comparison Table: Best Credit Cards for Cashback & Travel in Singapore
Credit CardBest ForCashback/MilesSpecial PerksAnnual Fee
| Citi Cashback+ | Unlimited Cashback | 1.6% on all spend | No cap | Waived first year |
| DBS Altitude | Travel Rewards | 3 miles per SGD 1 | Lounge access | Waived first year |
| UOB One | Everyday Cashback | Up to 10% | Best for groceries & transport | Waived first year |
| OCBC 365 | Dining & Petrol | 6% on dining, 5% on petrol | Good for foodies & drivers | Waived first year |
| Amex True Cashback | Simple Cashback | 1.5% on all spend | 3% on first SGD 5,000 | Waived first year |
Final Thoughts: Which Credit Card Should You Choose?
Choosing the right credit card depends on your spending habits and lifestyle.
- 💳 Want the highest cashback? Go for the UOB One Card.
- 🏝️ Love to travel? The DBS Altitude Visa Card is your best bet.
- 🍽️ Eat out frequently? The OCBC 365 Card will give you the best rewards.
- 🏦 Prefer a simple, no-fuss cashback card? The Citi Cashback+ or Amex True Cashback will work best.
💡 Remember: Many credit cards offer sign-up bonuses and exclusive deals when you apply online. Click the links above to apply directly and start earning rewards today!
🚀 Next Steps:
- Bookmark this page and compare the best deals before applying.
- Apply through the links provided to get the best promotions.
- Follow us for more finance tips & exclusive offers in Singapore!
Have a favorite cashback or travel rewards credit card? Share your thoughts in the comments below!
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