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10 Best Credit Cards in Singapore 2018

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Which credit card is best in Singapore 2018?

In truth, there is no one-size-fits-all card! The best credit card for you depends on your personal needs. Therefore we have compiled this list of 10 greatest credit cards categorised by Cashback, Dining, Shopping and Travel, so that you can easily find the credit cards most suitable to your lifestyle.

The best part? All of these cards come with huge exclusive sign-up rewards (worth up to $200 cash/voucher per card), on top of existing bank’s welcome bonuses. AND 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 generous sum of cash/voucher rewards for your actual spend?

Here is the summary of the top 10 best credit cards that get you the most benefit when you apply in Singapore December 2018:

Best forCredit cardRemark
CashbackHSBC Visa Platinum Credit Card• 5% Cashback on all Grocery, Petrol and Recurring Payment.
• Get up to $150 cash back.
CashbackHSBC Advance Credit Card• 3.5% cashback on all purchases.
• Get up to $150 cashback.
CashbackAmerican Express True Cashback Card• 3% Cashback on any spend for the first 6months.
• Get $150 cash reward.
DiningUOB YOLO Card• 18% cash back on Grab, Dining & Entertainment (online).
• Get $50 cash reward.
DiningCiti Cash Back Visa Card• 8% cash back on Dining, Grab, Groceries & Petrol daily, worldwide.
• $1,152 Annual Savings.
• Get up to $200 NTUC / Takshimaya vouchers or Grab promo codes.

Shopping

American Express CapitaCard
• 5.63% Cashback on online and retail shopping*.
• Get $100 cash reward.
ShoppingCiti Rewards Visa Card• 4.76% Cashback on Shopping at Department stores*.
• Get up to $200 NTUC / Takshimaya vouchers or Grab promo codes.

Travel

Citi PremierMiles Visa Card• 1.2 Air miles on local spending.
• 2.4 Air miles on overseas spending.
• $25 Conversion Fee.
• Get up to $200 NTUC / Takshimaya vouchers or Grab promo codes.
TravelUOB PRVI Miles American Express Card• 1.4 Air miles on local spending.
• 2.4 Air miles on overseas spending.
• $25 Conversion Fee.
• Get $50 cash reward.
TravelAmerican Express Singapore Airlines KrisFlyer Credit Card• 1.1 Air miles on local spending.
• 2 Air miles on overseas spending.
• $0 Conversion Fee.
• Get $150 cash reward.

* Indirect cashback calculated based on the card features & offers.

Now let’s go through all cards in details to see what they’ve got to offer and why they make the list.

I. Best for Cashback

HSBC Visa Platinum Credit Card

  • Enjoy 5% cashback on all Grocery, Petrol (Caltex, Shell), and Recurring Telco bill Payment and 2% cashback on dining.
  • Enjoy up to an additional 16% instant petrol discount at all Caltex and Shell stations.
  • Earn 1 rewards point for every S$1 spend on all other spend. No rewards points cap. Redemption illustration: 20,000 Reward Points = S$50 cash credit or 8,000 KrisFlyer/Asia Miles.
  • Exclusive: Get $150 cash back upon approval & min spend of $600 on the first 30 days – for new customers only. Get S$100 cash back with min. spend of $600 in the first month for existing customers. Promo period: till end of December 2018.

HSBC Advance Credit Card

  • Receive 2.5% cash back on all purchases with min. monthly spend of >S$2,000, or receive 1.5% cash back with a monthly spend of S$2,000 and below. No minimum spend required. Cash back cap at S$70 per month.
  • Additional 1% cash back for Advance banking customers for both spend tiers. Cash back at S$125 per month and perpetual annual fee waiver for Advance banking customers.
  • Get up to 16% instant petrol discount at all Caltex and Shell stations
  • Exclusive: Get $150 cash back upon approval & min spend of $600 on the first 30 days – for new customers only. Get S$100 cash back with min. spend of $600 in the first month for existing customers. Promo period: till end of December 2018.

American Express True Cashback Card

  • Welcome offer: Enjoy 3% cash back on up to total of S$5,000 spend for first 6 months.
  • Get 1.5% cash back on purchases of all eligible spend. No cap and no minimum spend
  • Exclusive: Get $150 cash upon card approval + $20 NTUC FairPrice with MyInfo. Promo period: till end of December 2018.

II. Best for Dining

UOB YOLO Card

  • Earn up to 8% cashback on dining and entertainment and Grab rides
  • Get bonus 10% cashback for online spend on top of existing cashback
  • Earn 3% cashback on online fashion and travel
  • Plus, enjoy up to 13% off at Expedia and Agoda with free travel insurance Coverage (up to S$500,000)
  • Get up to 3.88% p.a. interest rates with UOB One Account
  • Exclusive: New and existing card holders to receive $50 cash upon card approval. Promo period: till end of December 2018.

Citi Cash Back Visa Card

  • 8% cash back on Dining, Grab, Groceries & Petrol daily, worldwide.
  • Fuel saving of up to 20.88% at Esso & Shell.
  • All other retail spend earns 0.25% cash back, no cap.
  • Exclusive: Get $200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes with IPA Approved status + Document Upload for new customers only. Get $50 NTUC FairPrice vouchers upon approval for existing customers. Promo period: till end of December 2018.

III. Best for Shopping

American Express CapitaCard

  • Spend S$1,500 within 3 months of Card approval and receive 60,000 STAR$. Spend additional S$3,000 (total spend of S$4,500) within 3 months of Card approval and receive a American Tourister Erie 67/24 Spinner Exp TSA luggage bag.
  • S$20 CapitaVouchers for each approved supplementary, capped at S$40 CapitaVouchers per Card Member.
  • Get 3% rebate voucher when you get 6X STAR$ with your card at CapitaLand Malls – Earn 30,000 STAR$ with an eligible spend of S$1,000 to receive S$30 CapitaVoucher. Eligible spend capped at S$1,200.
  • Above S$1,200, earn 5 STAR$ per eligible S$1 spend.
  • STAR$ Xtra Programme: Earn additional 50STAR$ per S$1 spend at participating outlets across Capitaland Malls.
  • Earn 5 STAR$ per S$1 spend outside CapitaLand Malls. Redeem STAR$: 5,000 STAR$ – S$5 CapitaVoucher; 10,000 STAR$ – S$10 CapitaVoucher; 50,000 STAR$ – S$50 CapitaVoucher
  • Enjoy 3 hour complimentary parking per mall, per day across 15 CapitaLand Malls when you spend S$1,200 in a calendar month.
  • Exclusive: Get $100 cash upon card approval + $20 NTUC FairPrice with MyInfo. Promo period: till end of December 2018.

Citi Rewards Visa Card

  • Earn 10X Rewards (10 points or 4 miles for every S$1 spent) when you shop for clothes, bags or shoes or at departmental stores or online shopping (shoes , bags, clothes) websites.
  • Earn 1 point for every S$1 spent on all other spending
  • Instant savings of up to 14% at Esso and Shell
  • Earn up to 10% Citi rebate at participating merchants, including Starbucks and Sheng Siong.
  • Redemption illustration: 36,000 points = S$100 Cash Rebate.
  • Exclusive: Get $200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes with IPA Approved status + Document Upload for new customers only. Get $50 NTUC FairPrice vouchers upon approval for existing customers. Promo period: till end of December 2018.

IV. Best for Travel

Citi PremierMiles Visa Card

  • Get 30,000 bonus miles with annual fee payment + spend a min. of $7,500 within the first 3 months. Promo ends 31 Oct 2018. Terms and Conditions apply.
  • Earn 2.4 Citi miles per S$1 overseas spend in foreign currency on retail purchases. Promotion is valid from 10 October 2018 – 31 December 2018. Terms and Conditions apply.
  • Earn 1.2 Citi miles per S$1 local spend. 1 Citi Mile = 1 Mile with KrisFlyer, Asia Miles, Royal Orchid Plus and etc. S$25 administration fee will be charged for each FFP redemption.
  • Complimentary access to over 600 airport VIP lounges twice a year with Personalised Priority Pass membership card.
  • Earn 10,000 Citi Miles with card membership renewal, subject to annual fee payment. Citi Miles never expire.
  • Redeem your miles for flights, hotels, rewards or cash rebates. 1,400 Citi Miles = S$10 cash rebate.
  • Exclusive: Get $200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes (your choice) with IPA Approved status + Document Upload for new customers only. Get $50 NTUC FairPrice vouchers upon approval for existing customers. Promo period: till end of December 2018.

UOB PRVI Miles American Express Card

  • Sign up for PRVI Miles card and spend a min. S$6,000 in the first 3 months of card approval. SMS Bonus NRIC/Passport no. to 77862 to participate and receive up to 10,000 welcome miles. Promotion ends 30 November 2018. Terms and Conditions apply.
  • No minimum spend and cap on miles earned at all times
  • Earn 6 miles for every S$1 spent on major airlines and hotels booked through Expedia, UOB Travel and Agoda
  • 2.4 miles for every S$1 spent overseas and 1.4 miles for every S$1 spent locally.
  • 20,000 loyalty miles every year with min. spend of S$50,000 in a year
  • Up to 8 complimentary airport transfers to Changi Airport in a year and complimentary travel insurance of up to S$1,000,000
  • Exclusive: New and existing UOB card holders to receive $50 cash upon card approval. Promo period: till end of December 2018.

American Express Singapore Airlines KrisFlyer Credit Card

  • Get 5,000 miles upon first spend and S$3,000 within 3 months of card approval and receive 7,500 bonus miles + 3,300 on 1.2 earn rate.
  • 1,500 bonus miles for each approved supplementary, capped at 3,000 bonus miles per Card Member.
  • Earn 3.1 KrisFlyer miles for every S$1 spend on Grab rides, up to S$200 each calendar month.
  • Earn 1.1 KrisFlyer mile per S$1 spend. Earn 2 KrisFlyer miles per S$1 spend in foreign currency in June and December.
  • Earn 2 KrisFlyer miles per S$1 spend on purchases made singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online), with no cap
  • Exclusive: Get $150 cash upon card approval + $20 NTUC FairPrice with MyInfo. Promo period: till end of December 2018.

Don't Miss These:

  1. Enjoy 50% off at JUMBO Seafood, JPOT and other popular restaurants under JUMBO Group. Offer ends 30 Nov 2018.
  2. Enjoy 1-for-1 buffet at Triple Three - Mandarin Orchard Singapore Hotel, with DBS/POSB and UOB cards. Valid till 31 Dec 2018 and 9 April 2019, respectively. Reserve Online Now – Triple Three
  3. Till 30 & 31 Dec 2018, enjoy 1-for-1 weekday lunch buffet at Element – Amara Hotel Singapore with DBS/POSB & OCBC cards, respectively. Reserve Online Now – Element
  4. This 2018, enjoy 1-for-1 buffet dinner & 4-for-3 buffet lunch promotions at Cafe Mosaic - Carlton Hotel, when you pay with DBS/POSB, Citibank, OCBC or UOB cards. Reserve Online Now - Cafe Mosaic

Check Also

Charles & Keith: Newest Sale

Charles & Keith 12.12 Sale is here! Get up to 50% off over 2,000 sale items including shoes, bags, sunglasses and fashion accessories.

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