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Best Credit Cards in Singapore October 2020

We have compiled two lists of outstanding credit cards and best credit card promotions in Singapore October 2020. Bookmark this page and keep checking back as we will update this article with the latest card promotions and newest card features.

Contents

1. Best credit cards in Singapore 2020

2. Best credit card promotions in Singapore 2020

Which credit card is the 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, a set of Airpods Pro (worth $379) or $300 cash rewards, on top of existing 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 an awesome gift to start with or a munificent sum of cash rewards for your actual spending?

Summary of 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: Get a set of Airpods Pro (worth $379) or $300 cash*
UOB PRVI Miles Credit Card• High miles per dollar rate
• Bank's welcome bonus: $150 cash credit
DBS Altitude Visa Card• Get $150 cashback
• Miles never expire
Best cashback credit card
Citi Cash Back Card• Highest all-round cashback rate
• Exclusive: Get a set of Airpods Pro (worth $379) or $300 cash*
Standard Chartered Unlimited Cashback Credit Card• Global unlimited cashback w/ no min. spend
• Nespresso Inissia Coffee Machine & Aeroccino 4 Milk Frother
UOB One Credit Card• Up to 5% rebate on all spend
• 10% cashback on Grab
• Cashback cap: $100/month
• Get $150 cash credit + exclusive $20 cash
Best dining credit card October 2020^
DBS Live Fresh Card• Lots of 1-for-1 buffet & dining deals
• Earn cashback on ordering food online & dining with contactless payment
• Get $150 cashback
HSBC Advance Credit Card• Lots of 1-for-1 buffet & dining deals
• No minimum spend required
• Get $150 cashback or Samsonite Prestige 69cm Spinner Exp with built-in scale worth $670 + $20 Grab codes

* The exclusive credit card sign-up promotion, a set of Airpods Pro (worth $379) or $300 cash rewards is applicable to these Citibank cards: Citi Cash Back+ Mastercard®Citi Cash Back CardCiti PremierMiles CardCiti Prestige CardCiti Rewards Card. You may click the links to apply for respective bank cards and get the reward now! This promotion ends 31 Oct 2020.

^ 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 selecting 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 October 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 set of Airpods Pro (worth $379) or $300 cash (new cardholders) or $30 cash (existing cardholders) via PayNow

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

  • 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 $150 cash credit
  • Complimentary travel insurance of up to $500,000
  • Miles are awarded per block of $5 spent

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

  • 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
  • Receive $150 cashback 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

  • Awesome welcome bonus
  • Miles never expired
  • Free travel insurance
  • VIP access to worldwide airport lounges twice per year

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 $150 cashback: Enter the promo code 150CASHCode is copied in your application to qualify.

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 set of Airpods Pro (worth $379) or $300 cash (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

  • 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

  • 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 Unlimited Cashback Credit Card

  • 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
  • Get $20 cashback if you apply via MyInfo
  • Exclusive: Receive Nespresso Inissia Coffee Machine & Aeroccino 4 Milk Frother (new cardholders) or $30 worth of GrabFood voucher (existing cardholders)

Why we love it

  • Good 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

  • 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

UOB One Credit Card

  • Earn 5% cashback3 on all spends, such as groceries, petrol and retail
  • 10% cash rebate on Grab services, Dairy Farm Group merchants (e.g. Cold Storage, Giant, Guardian, 7-Eleven), and UOB Travel Planner transactions (total of up to 10%)
  • Enjoy up to 6% rebates on Singapore Power utility bill
  • Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme, to offset your purchases at over 300 merchants across dining, shopping and groceries
  • Up to 2.50% interest on your UOB One savings account as you spend on your credit card
  • Exclusive: Get $20 cash when you apply now.
  • Advertisement

Why we love it

  • Great flat rebate card for those consistently spend $2,000/month
  • Can earn additional rebates through UOB SMART$ Programme
  • Attractive interest rate with UOB One Account

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
3 $2000 min. spend/month per quarter is required for the 5% cash rebate (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)

Best dining credit cards October 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 $150 cashback 4
  • Earn 0.3% cashback on all other spend
  • Many 1-for-1 buffet and dining deals for DBS/POSB cardholders, at Atrium Restaurant, Seasonal Tastes, 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

  • Awesome welcome bonus
  • 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

  • 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

4 How to get $150 cashback: Enter the promo code 150CASHCode is copied in your application to qualify.

HSBC Advance Credit 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 Prestige 69cm Spinner Exp (worth $670) 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 Numerous 1-for-1 buffet promotions and 1-for-1 dining deals
  • Cashback is capped at $125 per month for Advance banking customers or $70 per month for other customers

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

  • 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

Best Credit Card Promotions in Singapore October 2020

Why do I need to know the best credit card promotions?

Looking for the right credit cards isn’t an easy game. Often you find yourself struggling with a bunch of credit cards consist of almost the same features. This is where credit card promotions come in and make differences. Knowing the best credit card promotions will help you make your choice much easier.

What if I already have my favorite credit cards?

It’s simple! You can always apply for another credit card with a great deal, and then you will have a backup card plus you can enjoy the promotion that it offers. Sounds good? Let’s dig into the best credit card promotions for October 2020.

Summary of our top picks for the best credit card promotions in Singapore October 2020

Promotion Requirement User type
A free set of Airpods Pro (worth $379) or $300 cash Apply for selected Citibank credit cards New users
Free $30 cash reward Apply for selected Citibank credit cards Existing users
Nespresso Inissia Coffee Machine & Aeroccino 4 Milk Frother Apply for selected Standard Chartered credit cards New users
Free Apple Airpods set (worth $239) Apply for selected DBS cards New users
Free $150 cashback Apply for selected DBS cards New users
Free $150 cashback Apply for selected HSBC cards New users
Free Samsonite luggage worth $670 Apply for selected HSBC cards New users

Promotion details

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