HOT!!!

Advertisement

Home » Credit Card » Best Credit Cards in Singapore Apr 2020
Best credit card promos 2020

Best Credit Cards in Singapore Apr 2020

Advertisement

FREE Unlimited Data for 6 months with Circle.Life

Never Run Out of Mobile Data

Register now to experience Singapore's #1 most recommended telco! No contracts. Use promo code SGDTIPSCLCode is copied to enjoy FREE Unlimited Data for 6 months + $38 OFF registration fee.

Note: all exclusive rewards will be temporally paused from 1 Mar 2020, until further notice.
Which credit card is best in Singapore 2020?

In truth, there is no one-size-fits-all card! The best credit card for you depends on your personal needs, lifestyle and preference. Therefore we have compiled this list of the best credit cards categorised by AirMiles, Cashback, and Dining so that you can easily find the credit cards most suitable to you.

What’s more, when you apply for some of these cards, you can receive awesome exclusive sign-up rewards, [FREE Apple AirPods (worth $239) with charging case (exclusive) + $80 cashback (from bank)] or up to $300 cash rewards, on top of bank’s welcome bonuses. The best part? You can apply for multiple cards to accumulate and earn more rewards.

Isn’t it great to have an excellent set of cards for different purposes, plus a great gift to start with or a munificent sum of cash rewards for your actual spending?

8 Best credit cards in Singapore

Best credit card in SingaporeHighlight
Best miles credit card
Citi PremierMiles Visa Card• Get 37,300 miles
• Miles awarded from the first dollar and never expire
• Exclusive: $300 cash rewards*
UOB PRVI Miles Credit Card• High miles per dollar rate
• Bank's welcome bonus: $180 cashback
DBS Altitude Visa Card• 38,000 welcome miles
• Miles never expire
Best cashback credit card
Citi Cash Back Card• Highest all-round cashback rate
• Exclusive: $300 cash rewards*
Standard Chartered Spree• Online rebates for low - average spenders
• Exclusive: FREE Apple AirPods with charging case (worth $239)*
• Bank's welcome bonus: $80 cashback
Standard Chartered Unlimited• Global unlimited cashback w/ no min. spend
• Exclusive: FREE Apple AirPods with charging case (worth $239)*
• Bank's welcome bonus: $80 cashback
Best dining credit card April 2020^
DBS Live Fresh Card• Lots of 1-for-1 buffet & dining deals
• Earn cashback on ordering food online & dining with contactless payment
• Bank welcome gift: $180 cashback
HSBC Advance Card• Lots of 1-for-1 buffet & dining deals
• No minimum spend required
• Bank's welcome gift: $150 cashback or Samsonite T5 Spinner worth $560 + $20 Grab codes

* The exclusive credit card sign-up promotions, FREE Apple Airpods set and $300 cash, are also applicable to other selected Standard Chartered and Citibank cards. You may click the links to go through all respective bank cards.
^ In general, a card with a high cashback rate for F&B, like the Citi Cash Back Card, would be good for dining purposes. However, foodies will save much more with banks’ 1-for-1 buffet and dining deals than relying solely on a credit card’s cashback feature. Thus for selection of the best dining credit card, we will look for banks with the most generous dining offers and their best cashback cards (to save extra cash, on top of the banks’ F&B promos). This Apr 2020, DBS and HSBC are offering more irresistible food deals than other banks, and thus the DBS Live Fresh Card and HSBC Advance Card are our best choices for dining cards. If you prefer a combo (miles + dining) card, the winner would be the DBS Altitude Visa Card. You can use these cards as backup ones if you’re a frequent shopper or traveller who occasionally wants to feast without paying an arm and a leg. As banks may change their card privileges unannounced, we will update this section monthly. Stay tuned!

Best miles credit cards

Citi PremierMiles Visa Card

  • $1 = 2 Citi Miles on foreign currency spend
  • $1 = 1.2 Citi Miles on local spend (no min. spend)
  • Citi Miles never expire
  • Get 37,300 Citi Miles with annual fee payment + spend a min. of $9,000 within the first 3 months for NEW cardholders.
  • Earn 10,000 Citi Miles with card membership renewal, subject to annual fee payment.
  • Earn miles when you pay your rent, education expenses, tax, electricity bills and condominium management fee via Citi PayAll.
  • 1 Citi Mile = 1 Mile with Krisflyer, Asia Miles, Qantas and other airlines’ Frequent Flyer and Hotel Loyalty Programs
  • Up to $1,000,000 coverage for travel insurance
  • Access to over 600 airport VIP lounges twice per calendar year, for Principal cardmember with Priority Pass™ membership
  • Redeem your miles for flights, hotels, rewards or cash rebates. 1,650 Citi Miles = $10 cash rebate.
  • Exclusive: Receive a huge sum of $300 cash rewards (new cardholders) or $30 cash (existing cardholders) via PayNow

Why we love it

Why we love it

  • Generous bonus miles + Munificent sum of cash rewards
  • Although the Citi PremierMiles Visa Card doesn’t give the highest air miles per dollar, it’s one of the rare ones with no expiry date to miles earned. That’s a major plus especially if it takes time to achieve those miles.
  • Miles are earnable from the first dollar. This is an advantage over the UOB PRVI Miles Card, which has higher miles per dollar rate, but only awards miles for spendings in multiple of $5.
  • 2 VIP worldwide airport lounge accesses yearly + free travel insurance
  • Larger pool of airline partners compared to other banks 1. This confers cardmembers greater choices and flexibility in redeeming miles.
  • Citibank customer service is one of the best

Fees & Eligibility

Fees & Eligibility

  • Annual fee: $192.60 (First year fee waiver)
  • Annual interest rate: 26.90%
  • Minimum monthly repayment: 1% or $50, whichever is higher
  • Interest free period: 25 days
  • Singaporean minimum income: $30,000
  • Non-Singaporean minimum income: $42,000
1 Citibank has the most transfer partners of all banks in Singapore!
Bank’s Airline Partners
Scroll right & left to see the whole table on mobile devices
 CitiDBSUOBAMEXMaybankHSBCOCBCSCBOC
Singapore Air
Air Asia
Air France-KLM
British Airways
Cathay Pacific
China Airlines
Etihad
Emirates
EVA
Garuda
Malaysia Air
Qantas
Qatar
Thai Airways
Turkish Airlines

UOB PRVI Miles Credit Card

  • $1 = 1.4 miles (Local spend) | $1 = 2.4 miles (Overseas spend)
  • $1 = 6 miles (Major airlines and hotels booked through Expedia, UOB Travel, and Agoda)
  • $1 = 3 miles (All Klook spend)
  • $1 = 4.4 miles (Local public transport, spending cap at $80 monthly)
  • No minimum spend and no cap on earned miles
  • Bank welcome gift: up to $180 cash credit ($100 for new UOB cardholders + $80 for depositing $5,000 fresh funds for 6 months)
  • Complimentary travel insurance of up to $500,000
  • Miles are awarded per block of $5 spent

Why we love it

Why we love it

  • The highest entry-level miles paying card
  • Attractive sign-up bonuses
  • No minimum spend and no cap on earned miles
  • Free travel insurance
  • Easy to reach UOB customer service

Fees & Eligibility

Fees & Eligibility

  • Annual fee: $256.80 (First year fee waiver)
  • Annual interest rate: 25.90%
  • Minimum monthly repayment: 3% or $50, whichever is higher
  • Interest free period: 21 days
  • Singaporean minimum income: $30,000
  • Non-Singaporean minimum income: $40,000

DBS Altitude Visa Card

  • $1 = 1.2 miles for local spend | $1 = 2 miles for overseas spend
  • $1 = 3 miles for online flight & hotel transactions: singaporeair.com, cathaypacific.com, qatarairways.com, agoda.com, expedia.com.sg, airbnb.com.sg and more!
  • $1 = 4 miles for daily commute – trains, bus and taxi rides (including ride-hailing services) and Singapore Airlines tickets purchased on DBS Travel MarketPlace
  • $1 = 6 miles for flight & hotel transactions at Expedia
  • $1 = 10 miles for hotel transactions at Kaligo
  • Miles never expire
  • Earn up to 38,000 miles 2
  • Get 10,000 Bonus Miles when you renew your annual membership
  • Up to $1,000,000 coverage for travel insurance
  • Complimentary Priority Pass at over 1200 airport lounges, with 2 visits each year
  • Fee waiver is available with min. spend of $25,000 per year

Why we love it

Why we love it

  • Attractive welcome bonus even if you don’t get the whole 38,000 miles
  • Miles never expired
  • Free travel insurance
  • VIP access to worldwide airport lounges twice per year

Fees & Eligibility

Fees & Eligibility

  • Annual fee: $192.60 (Fee waiver is available)
  • Annual interest rate: 26.80%
  • Minimum monthly repayment: 3% or $50, whichever is higher
  • Interest free period: 20 days
  • Singaporean minimum income: $30,000
  • Non-Singaporean minimum income: $45,000
2 How to get the 38,000 miles:

  • Apply for the DBS Altitude Card by 31 Mar 2020
  • Welcome offer: New DBS/POSB cardholders get 10,000 miles for signing up; Existing customers get 5,000 miles
  • Pay the first year annual fee of $192.60 and spend the min. amount required to receive another 10,000 miles
  • Min. spend: $6,000 within the first 90 days of card approval date. If you spend all the required $6,000 on flight/hotel transactions (3 miles/$1), you’d get additional 18,000 miles, else you’d get less than 18,000 miles.
  • Eg. you’re a new DBS cardholder, who pays for the first year annual fee, and spend $3,000 (local) + $3,000 (overseas) within the 90 days period, you’d get a total of 29,600 miles

Best cashback credit cards

Citi Cash Back Card

  • 8% cash back on Dining, Groceries & Petrol daily, worldwide
  • Up to $1,000,000 coverage for travel insurance
  • Up to 20.88% savings at Esso and Shell
  • Exclusive: Receive a huge sum of $300 cash rewards (new cardholders) or $30 cash (existing cardholders) via PayNow
  • Cash back is capped at $25/month per category with min. spend of $888/month
  • All other retail spend earns 0.25% cash back, no cap

Why we love it

Why we love it

  • The 8% cash back for spending on numerous categories is rather generous
  • Munificent sum of cash rewards
  • Free travel insurance
  • Citibank customer service is one of the best

Fees & Eligibility

Fees & Eligibility

  • Annual fee: $192.60 (First year fee waiver)
  • Annual interest rate: 26.90%
  • Minimum monthly repayment: 1% or $50, whichever is higher
  • Interest free period: 25 days
  • Singaporean minimum income: $30,000
  • Non-Singaporean minimum income: $42,000

Standard Chartered Spree

  • Up to $60 cashback per month with no min. spend
  • 3% cashback on all online spends in foreign currency and vPost spends
  • 2% cashback on all online spends in local currency, contactless and mobile payments
  • 1% cashback on all other retail spends
  • Bank sign-up gift: $80 cashback (new cardholders) or $20 cashback (existing cardholder)
  • Get a refund of 50% of the price difference if you find a lower price for the same item within 30 days of your online purchase
  • Exclusive: FREE Apple AirPods with charging case (worth $239) for new cardholders. Existing cardholders get $50 cash via PayNow

Why we love it

Why we love it

  • Awesome exclusive reward + great bank sign-up bonus
  • Earn cashback on all types of credit card spendings, especially on all online spends in local currency and all mobile payments (Samsung Pay / Apple Pay / etc) and all contactless payments (Visa Paywave / Mastercard PayPass / etc). This is a very broad category which should cover most of your normal spending.
  • No minimum spend required

Fees & Eligibility

Fees & Eligibility

  • Annual fee: $192.60 (First two years fee waiver)
  • Annual interest rate: 26.90%
  • Minimum monthly repayment: 1% or $50, whichever is higher
  • Interest free period: 22 days
  • Singaporean minimum income: $30,000
  • Advertisement

    HSBC Luggage promo
  • Non-Singaporean minimum income: $60,000

Standard Chartered Unlimited

  • 5% cashback rate with the Unlimited$aver account
  • 1.5% cashback for all eligible spends
  • Enjoy 1.5% cashback with Ez-reload charged to the card and use it as an Ez-link card
  • Up to 22.61% fuel savings at Caltex
  • Bank sign-up gift: $80 cashback (new cardholders) or $20 cashback (existing cardholder)
  • Exclusive: FREE Apple AirPods with charging case (worth $239) for new cardholders. Existing cardholders get $50 cash via PayNow

Why we love it

Why we love it

  • Awesome exclusive reward + great bank sign-up bonus
  • A fuss-free cashback card, with no spending criteria, no minimum spend and no cashback cap
  • Cash back is credited back to bill every month and no need for additional redemptions

Fees & Eligibility

Fees & Eligibility

  • Annual fee: $192.60 (First two years fee waiver)
  • Annual interest rate: 26.90%
  • Minimum monthly repayment: 1% or $50, whichever is higher
  • Interest free period: 22 days
  • Singaporean minimum income: $30,000
  • Non-Singaporean minimum income: $60,000

Best dining credit cards Apr 2020

DBS Live Fresh Card

  • Earn 5% cashback on Online & Visa contactless spend with a minimum spend of $600 per calendar month (applicable to ordering food online & paying for dining bill with contactless payment, too)
  • Earn an additional 5% cashback (total of 10% cashback) on local transport spend (includes bus, train and taxi rides, and even ride-hailing services), with min monthly spend of $600 for the first 180 days from Card Approval Date, valid till 31 March 2020
  • Get up to $180 cashback as a Welcome Gift, including $100 cashback welcome gift (only for New DBS/POSB cardmembers) and Up to $80 cashback on your new card when you charge a min. of $600/month within the first month from card approval date
  • Earn 0.3% cashback on all other spend
  • Fourteen 1-for-1 buffet and forty three 1-for-1 dining deals for DBS/POSB cardholders, at Atrium Restaurant, Marriott Cafe, Seasonal Tastes, The Line, Triple Three and more!
  • Cashback is capped at $20 on eligible online spend, $20 on eligible Visa contactless spend and $20 on all other spends per calendar month

Why we love it

Why we love it

  • Attractive welcome bonus if you’re a new DBS cardholder
  • Many 1-for-1 F&B deals at some of the most popular restaurants in Singapore
  • High cashback rate for transport
  • Posibility to earn cashback on food ordered online and dining spends

Fees & Eligibility

Fees & Eligibility

  • Annual fee: $192.60 (Fee waiver is available)
  • Annual interest rate: 26.80%
  • Minimum monthly repayment: 3% or $50, whichever is higher
  • Interest free period: 20 days
  • Singaporean minimum income: $30,000
  • Non-Singaporean minimum income: $45,000

HSBC Advance Card

  • 2.5% Cashback on all purchases with $2,000 minimum spend per month | 1.5% Cashback on all purchases with no minimum spend
  • Additional 1% cash back for Advance banking customers
  • New HSBC cardholders get $150 cashback OR Samsonite T5 Spinner worth $560 with min. spend of $800 in first month of card approval + $20 Grab codes. Existing cardholders get $30 Cashback.
  • Complimentary ENTERTAINER access with 1-for-1 lifestyle, hotel, and dining deals, including 188 1-for-1 buffet promotions (6) and 1-for-1 dining deals (182)
  • Cashback is capped at $125 per month for Advance banking customers or $70 per month for other customers

Why we love it

Why we love it

  • Attractive welcome bonus if you’re a new HSBC cardholder
  • No min. spend required
  • Huge list of 1-for-1 F&B deals at some of the most popular restaurants in Singapore and you can save additional 2.5% to 3.5% (via cashback) on top the various dining deals

Fees & Eligibility

Fees & Eligibility

  • Annual fee: $192.60 (First Year Fee Waiver, Perpetual fee waiver for HSBC Advance banking customers)
  • Annual interest rate: 25.90%
  • Minimum monthly repayment: 3% or $50, whichever is higher
  • Interest free period: 20 days
  • Singaporean minimum income: $30,000
  • Non-Singaporean minimum income: $40,000

Advertisement

Check Also

Shangri-La Hotel Singapore, The Line: Buffet Promotions

Shangri-La Hotel Singapore, The Line 1-for-1 Buffet Promotions Apr 2020

This Apr 2020, enjoy 1-for-1 buffet at The Line with DBS/POSB cards or purchase a voucher via Fave.

SGDtips

Send this to a friend

Subscribe Now
If you like what you read, fill in the form to get the best deals straight into your mailbox.
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
We never spam or sell your data! You are free to unsubscribe at any time you want.
   
Thanks for being awesome!
Almost finished... We need to confirm your email address. To complete the subscription process, please click the link in the email we just sent you.
   
Subscribe Now
SGDTips'd love to share with you the hottest deals!
We never spam or sell your data! You are free to unsubscribe at any time you want.
Bạn có yêu các bosses dễ thương và muốn chăm sóc các bé tốt nhất?
   
Thanks for being awesome!