Best Credit Cards in Singapore
In today’s fast-paced financial environment, credit cards are no longer mere tools for deferred payment—they have evolved into versatile financial instruments that offer a wide array of benefits, from cashback and miles to rewards points and exclusive lifestyle privileges. For discerning consumers in Singapore, selecting the right credit card is crucial to maximising value and achieving financial goals.
In this in-depth guide, we explore the best credit cards in Singapore as of 2025, each tailored to different spending habits and lifestyle needs. Whether you’re a savvy spender, a frequent traveller, or a budget-conscious household manager, there’s a card that fits your financial profile.
Understanding Credit Card Categories
Before diving into the top picks, it’s essential to understand the main categories of credit cards available in Singapore:
- Cashback Credit Cards – Provide a percentage of spending back in cash.
- Air Miles Credit Cards – Accumulate miles redeemable for flights and travel perks.
- Rewards Points Cards – Earn points convertible into vouchers, merchandise, or other rewards.
- No Annual Fee Cards – Offer basic credit features without yearly charges.
- Premium and Lifestyle Cards – Designed for high-income individuals seeking exclusive privileges.
- Student and Entry-Level Cards – Cater to young adults or those with minimal credit history.
Top Cashback Credit Cards
1. UOB EVOL Card
Best For: Young adults with digital lifestyles
Cashback Rate: Up to 8% on online and mobile contactless spend
Minimum Spend: S$600/month
Monthly Cap: S$60 cashback
Annual Fee: Waived for first year, S$194.40 thereafter
The UOB EVOL Card is crafted for Gen Z and Millennials who live digitally. It rewards online shopping, food deliveries, and mobile contactless payments with a generous 8% cashback. Paired with a user-friendly mobile app and spend tracker, it is an ideal starter cashback card for the urban digital native.
2. Citi Cash Back Card
Best For: Grocery and petrol savings
Cashback Rate: Up to 8% on groceries, dining, and petrol
Minimum Spend: S$800/month
Monthly Cap: S$80 cashback
Annual Fee: S$196.20 (waived for first year)
The Citi Cash Back Card is perfect for families or individuals who regularly spend on groceries and fuel. The high cashback rate on essential spending categories makes it one of the best value-for-money cards in Singapore.
Top Air Miles Credit Cards
3. DBS Altitude Visa Signature Card
Best For: General spending with flexible miles conversion
Miles Rate: 1.2 miles per S$1 local spend; 2 miles per S$1 overseas spend
Annual Fee: S$194.40 (waived first year; 10,000 bonus miles if paid)
The DBS Altitude Card is a crowd favourite for travellers seeking flexibility. With wide airline and hotel partnerships, it’s easy to redeem points for both business and leisure travel. It also offers travel insurance and airport lounge access, enhancing the travel experience.
4. UOB PRVI Miles Card
Best For: High spenders and frequent fliers
Miles Rate: 1.4 miles per S$1 local spend; 2.4 miles per S$1 overseas spend
Annual Fee: S$259.20 (waived first year)
The UOB PRVI Miles Card stands out for its high miles earn rate and unlimited cap. Frequent travellers can accumulate miles rapidly, and enjoy travel perks such as complimentary travel insurance and limo transfers with high overseas spend.
Top Rewards Credit Cards
5. HSBC Revolution Card
Best For: Online and contactless spenders
Rewards Rate: 10X points (equivalent to 4 miles per S$1)
Minimum Spend: No minimum
Annual Fee: Waived
The HSBC Revolution Card offers top-tier rewards on online purchases and contactless payments, without imposing a minimum spend requirement. Ideal for everyday use, it is also compatible with Apple Pay, Samsung Pay, and Google Pay.
6. OCBC Titanium Rewards Card
Best For: Shopping and fashion lovers
Rewards Rate: 10X points (4 miles per S$1) on retail purchases
Annual Fee: S$194.40 (waived first 2 years)
Those who enjoy shopping—especially for electronics, fashion, or lifestyle goods—will appreciate the OCBC Titanium Rewards Card. The rewards system is robust, and points remain valid for two years, giving users ample time to redeem.
No Annual Fee & Entry-Level Options
7. Maybank Platinum Visa Card
Best For: Simple cashback with no fee
Cashback Rate: Up to 3.33% on all spend with S$300/month min
Annual Fee: Waived with three transactions per month
The Maybank Platinum Visa is a reliable option for those looking for a fuss-free card. With no complex rebate categories or annual fees, it’s great for low-to-mid spenders seeking basic perks without extra cost.
8. Standard Chartered Smart Credit Card
Best For: Young professionals
Cashback Rate: 6% on selected spend, up to S$70/month
Annual Fee: Waived
This card is tailored for fresh graduates or young working adults, offering substantial rebates on online and mobile payments, including recurring bills like Netflix or Spotify.
Premium & Lifestyle Credit Cards
9. American Express Platinum Credit Card
Best For: Dining, wellness, and lifestyle indulgence
Perks: Dining credits, spa treatments, hotel privileges
Annual Fee: S$321
For those who value lifestyle privileges more than miles or cashback, the Amex Platinum Card delivers. With extensive dining and wellness offers, it suits those who indulge in experiences over accumulation.
10. OCBC Voyage Card
Best For: Luxury travel and flexibility
Miles Rate: 1.3 VOYAGE Miles per S$1 local spend
Perks: VOYAGE miles never expire, limo transfers, airport lounge access
Annual Fee: S$488
Voyage Miles offer greater redemption flexibility than traditional frequent flyer miles. This card is tailored for high net-worth individuals or corporate professionals with global travel needs.
Factors to Consider When Choosing a Credit Card
While promotional offers and glossy perks may be enticing, selecting the best credit card requires careful consideration of personal spending habits and lifestyle. Here are key factors to consider:
- Spending Pattern – Determine whether your major expenses are in dining, travel, groceries, or online shopping.
- Minimum Spend Requirements – Some cards offer perks only if minimum monthly spend is met.
- Rewards Structure – Compare whether miles, cashback, or reward points align with your financial goals.
- Cap Limits and Expiry – Watch for monthly rebate caps or expiring points.
- Annual Fees – Ensure the benefits outweigh the cost or that waiver conditions are easily met.
- Foreign Transaction Fees – For frequent travellers, look for cards with low or no foreign transaction charges.
- Customer Support and App Experience – A seamless app and responsive customer service improve long-term satisfaction.
How to Maximise Credit Card Benefits
Having the right card is just one part of the equation. Here are tips to make the most of your credit cards:
- Consolidate Spending – Use the right card for specific categories to maximise rewards.
- Automate Payments – Avoid late fees and interest by setting up GIRO or alerts.
- Monitor Promotions – Banks regularly offer flash deals, bonus rewards, or giveaways.
- Review Regularly – As your lifestyle or income changes, your ideal card may change too.
Conclusion
The Singapore credit card landscape in 2025 is both diverse and competitive. With so many options available, the ideal card depends entirely on your lifestyle, financial objectives, and discipline in managing repayments. Whether you’re jet-setting across continents, hunting for grocery rebates, or indulging in fine dining, there is a credit card tailored just for you.
While no single card is universally the best, an informed choice based on your actual spending patterns will ensure you reap maximum rewards and financial efficiency. Always remember: a credit card is a tool. Used wisely, it can save money, open doors to exclusive privileges, and enhance your financial journey.