But of course, the usual air miles and major shopping mall vouchers are there. 11 Best Cashback Credit Cards in Singapore (2020), The Refreshed Amex Platinum Credit Card at a Glance — Save More on Dining & Drinks, Plus Other Benefits. If you’re ready to find the best KrisFlyer credit card for you, start comparing your options above. – 10x points on 1 selected category, which can be switched every quarter. Having said that, it is also worthwhile to remember that points are useless if you have nothing to redeem them on. Best Travel Credit Cards in Singapore by Estimated 2-Year Dollar Value. As rewards points can be converted into many types of privileges, some regard rewards credit cards as more flexible than, say, air miles or cashback cards. Even the most tech-illiterate of Singaporean aunties can know their way around them. See the full review of the UOB Preferred Platinum Card here. Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings on food orders at a handpicked selection of popular restaurants. Maybank Family & Friends: Rebates up to 8% in Singapore & Malaysia. Free lounge access & golf privileges, waivable fee; Promotions: S$200 cashback w/ promo code … T&Cs apply10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate10X Rewards capped at 10,000 Points per statement month and expires every 5 years See all card details, 10X Rewards on all online purchases (excludes travel-related transactions). T&Cs apply. But that’s reasonable for average Singaporeans who don’t live the high life. It’s the only one on this list that gives you a generous welcome bonus of 24,000 Membership Rewards points. AMEX CapitaCard; DBS Esso Card; DBS Woman's Card; HSBC Revolution Credit Card That’s pretty much everything young working adults in Singapore spend on. In addition, the catalogue has a smallish selection of gift cards, dining vouchers and gifts. The Citibank rewards catalogue continues to be one of the best around, with everything from vouchers to watches to toys to hotel stays. know their way around them. Valid until 27 Dec 2020Apply NowMore DetailsKey Features10X Rewards on all online purchases (excludes travel-related transactions). Women who like to choose their own rewards. So if you’re a cashback credit card fanatic, you might wanna bookmark this article for future reference. On travel booking sites such as Expedia and Agoda, this earn rate can go as high as 6 miles per dollar. To be honest, Standard Chartered rewards aren’t too exciting, mostly vouchers at chain restaurants and a few department stores and malls. It allows you to choose an exclusive category of spending to earn bonus points from. The rewards points you earn are also versatile. Beauty deals with Laneige, Skin Inc, Strip, Browhaus, High Brow etc. Do you find yourself spending on different things during different times of the year? Welcome Deals. may be well known in Singapore, but its catalogue really isn’t the most impressive. SingSaver promotion for Maybank credit cards: From now till 31 December 2020, get $100 in cashback when you apply for one of seven participating Maybank credit cards (for new Maybank cardmembers only). T&Cs apply, 10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate, 10X Rewards capped at 10,000 Points per statement month and expires every 5 years. Go to site More info. However, reward credit cards take a bit of work to maximise their value, and may take some quick mental sums to fully understand their value. The details you see on our site may be different from others. More details here. Or frustrated by how you can never seem to get enough points on your air miles card for that dream trip to Europe? Beyond this cap, you will continue to earn 1 point per dollar, the same earn rate for all other retail transactions not eligible for bonus points. Frequent flyers looking for new ways to earn miles might be interested in the new Standard Chartered Rewards+ Card, which rewards overseas spending (or online purchases in foreign currency) at a very good earn rate of $1 = 2.9 miles or 10X rewards. Best Rewards Credit Cards for Cashback: UOB One: Highest flat rebate on the market, earn up to $300/qtr. movie tickets). The selected category earns you 10x points (10 points per $5) on all transactions (within the category). But my favourite ones are Dining and Travel. before you apply. Maybe in the first half of the year, most of your money goes to birthdays and presents, while in the later half you tend to spend more on travel and holidays. The best credit card is the one that compliments your spending habits and allows you to maximise the cashback you can earn. Just be aware of the expenditure cap, if any, as you won’t get bonus points beyond that. UOB PRVI Miles American Express Card . While there’s no minimum spend, there is a monthly cap of $1,000. You can earn 10x points (50 points per $5) on these four spending categories, whether for in-store or online transactions. Also, this card comes with no annual fee for life! Before you sign up, take note of the following fees and eligibility criteria. However, their KrisFlyer miles are available in small denominations, as low as 1,015 miles. (e.g. To earn this reward, you will have to spend a minimum of $250 qualifying spend each month for two consecutive months upon card approval. You can also pay for Amazon purchases with rewards points, a nice way to use leftover points that are just rolling around. I found and applied for a cashback card easily on their website. Some even offer cash rebates. Fortunately, there’s another UOB card with equivalent points for that: The UOB Preferred Platinum Card. DBS Promotion: Get $300 cashback when you apply and spend on one of these participating DBS/POSB credit cards. are probably the most sought-after rewards catalogue in town. Choose from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel, Bonus 2X UNI$** (Total 12X) on Dining from 1-Jul-2020 to 30-Sep-2020, UOB Lady's LuxePay Plan 6 or 12-month installment plan with no interest or processing fees, Free e-Commerce protection for online purchases up to USD$200, High female cancer coverage of up to S$200,000 sum assured with UOB Lady's Savings Account, Up to 3.68% p.a. However, categories like travel and services are excluded. ), to catch your “overflow”, since it also earns DBS Points?). Minimum effective interest rate: 25.9% p.a. $0.00 for 1st year Highlights. No need to fuss over minimum spends or worry about caps either, because this credit card has no cap at all. Rewards for Online & Mobile Pay. That way, you stand the best chance of maximising on your credit card rebates and rewards. Rack up enough of them and you can enjoy a whole slew of exclusive perks and privileges only available to cardholders. The maximum bonus points you can earn is capped at $2,000 per month, which is one of the higher limits on the list. It’s hardly surprising that rewards cards are one of the most popular types of credit cards in Singapore. You might want to consider switching to a rewards card, which is probably the lowest effort type of credit card on the market. Unfortunately, it’s only available to women! you earn almost nothing on purchases for hotel and flight bookings. SingSaver exclusive promotion: Receive a set of Sony WF-1000XM3 Wireless Noise Cancelling Headphones (worth $349) or $300 cash via PayNow when you make a qualifying spend within 30 days of card approval. Different rewards cards award points in different ways and different rates. And if you like to shop while travelling, using this card to pay for your overseas purchases will earn you 3x points. Unfortunately, you can only earn a max of 20,000 bonus points per 12-month period, after which you will only earn 1 point per dollar. Below is a visual representation of the approximate savings one can earn by using the best shopping credit cards in Singapore. Valid till 31 December 2020. Credit cards that are more difficult to get include the ones with higher annual income requirements that can range from S$80,000 to S$200,000. But let’s face it, it’s the travel section that really shines. If you fancy the idea of redeeming rewards in the form of vouchers for movies, shopping, dining, hotel stays and air miles, then these rewards credit cards may be something worth considering. All rewards credit cards work in the same fundamental way: you earn points as you charge various transactions to them. . Then pick out the cards with the best rewards, in terms of miles, points, cashback or discount, for your two or three largest spending categories. That makes them good for “fun” spending (e.g. Google Pay vs Apple Pay vs Alipay – What’s the Difference for a Singaporean? Find the best credit cards in Singapore. Cashback. HSBC rewards aren’t the most astounding in terms of variety, but the catalogue is lovely and well-curated. You may encounter earn rates of 1 point per dollar, 5 points per dollar, 1 point per $5, or any combination thereof. You can use them to redeem whatever is in your bank’s catalogue of goodies. Narrow down your choice by comparing the cost (annual fee) and other benefits that come with these selected cards, until you find the card that is the best fit for you. Love it.”, Maybank Horizon Visa Signature Credit Card, Standard Chartered Unlimited Cashback Card, Allianz Global Assistance Travel Insurance, Standard Chartered Bank Rewards+ Credit Card, Best Cashback Credit Cards In Singapore 2020, Top Credit Card Promotions And Deals On SingSaver. If you regularly spend more than the bonus point cap, it might be best to switch to a card with a higher limit. Lots of people redeem air miles with their rewards points. Frequent flyers looking for new ways to earn miles might be interested in the new, You also get 5X rewards ($1 = 1.45 miles) on. If you choose the Travel category, it essentially becomes the most powerful air miles card you can get in Singapore. (Visa payWave), which is available practically everywhere now. Minimum effective interest rate: 26.9% p.a. So go ahead and use this card to whack your renovation/redecorating expenses online – there’s no monthly cap, only an annual cap of $12,000. “I used to be scared of credit cards, but SingSaver.com.sg made me realise that I don’t have to worry about debt if I pay my bill on time each month. Love Dining @ Hotels offers you exceptional year-round privileges and savings of up to 50% on food bills at selected restaurants in some of the best luxury hotels around Singapore. Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. This allows you to keep maximising your points, even as your spending habits shift throughout the year. (Ignore the name – men can sign up too!). See the full review of the HSBC Revolution Credit Card here. DBS rewards may be well known in Singapore, but its catalogue really isn’t the most impressive. This promotion is valid for the first 200 new UOB cardmembers from now till 31 December 2020. Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You? Minimum age. Whether you are looking for a card that will reward you of dining, travel, air miles and petrol rebates, it is best to check all available options and make sure that your choice will match your needs and lifestyle. Usually, applying is the only way to know if you'll be accepted for a credit card. Pick your Citibank card here! Apart from the usual KrisFlyer and Asia Miles, there are frequent flyer programmes like British Airways Executive Club, Thai Airways Royal Orchid Plus and Emirates Skywards, plus hotel loyalty programmes like Starwood Preferred Guest and Hilton Honors. spend of $500 within the first month of card approval. Like the UOB Preferred Platinum card, there’s also an expenditure cap of $1,000 per month, so don’t go too crazy. You can grow and maintain your stash of points, then dip into them to meet your needs when necessary. Upsize Your Adventures. Fees . Also, a min. Terms and conditions apply. If you’re after Amex rewards points, you can slowly earn them with an. (Ignore the name – men can sign up too! For example, you earn Citi Dollars on Citibank Rewards Card, STAR$ on Amex CapitaCard and Rewards points on HSBC Revolution Card - just to name a few. Bank's T&Cs apply, 10X Rewards on Ride-hailing, Shopping and Online spends. See the full review of the UOB Lady’s Card here. spend required. Step 3: Rewards points are magically credited to your account. But that’s reasonable for average Singaporeans who don’t live the high life. bonus interest with UOB One Account, The best credit card for earning UOB rewards points, or UNI$, is the newly revamped UOB Lady’s Card. T&Cs apply. T&Cs apply. is your best bet if you’re the average Singaporean millennial who buys everything online. – 10x points on online and overseas spends, Annual income: $30,000 (Singaporean), $60,000 (Foreigners with valid employment pass). If you buy a lot of stuff online, you’ll appreciate the 10X rewards on shopping, groceries, food delivery and entertainment (e.g. Citi Rewards Credit Card; Standard Chartered Rewards+; OCBC Titanium Rewards Card; HSBC Revolution; American Express CapitaCard; Maybank World MasterCard; UOB Lady’s Platinum Card; DBS Woman’s World Card; Best rewards credit cards in Singapore It takes just $2,000 of foreign currency spending to hit that cap, so be careful! Locally, you’ll get 5x points for dining at local establishments, including fast food outlets and caterers. All other retail transactions earn 1 point per $5, which means you’ll have to charge at least $5 to your card to earn points. By Alevin ChanAn ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. Others may award points only when you shop at selected locations or partner brands. A rewards credit card dedicated purely to shopping, the DBS Women’s World Card grants 10x points on online shopping (local and overseas websites), and 3x points on overseas purchases (this means in-stores transactions while in a foreign country). Convert your points to CapitaLand vouchers to offset your shopping at your favourite CapitaLand mall, whether in the heartlands or the glitzy downtown core. So, a third factor to consider is whether the type of rewards your points can be used for are the type of rewards you need or desire. However, categories like travel and services are excluded. Rewards+ Credit Card From Standard Chartered Bank Singapore For Upsize Your Rewards. Rewards program. SingSaver Promotion: Get $150 cash credit when you apply as a new UOB cardmember and make a minimum spend of $1,500. Online spending includes travel bookings (flights, hotels, activities like Klook), daily essentials (online groceries, food delivery, GrabPay credits) and online shopping. All financial products and services are presented without warranty. Eligible for use with Apple Pay, Google Pay, Samsung Pay. However, for bonus points (any transaction that gives more than 1x points) there is usually a cap on how many points you can earn in a specific period. Typically, there is no minimum spend required to earn points, so you’ll accrue points as long as your transaction is eligible. Your bonus point earn is capped at $1,200 per month — not too shabby, really. Promotion is valid till 10 January 2021, T&Cs apply. Got a credit card rewards hack to share? Get your full, exclusive copy of The Ultimate Savings Guide for COVID-19 and Beyond, including tips on reducing unnecessary expenses, creating additional income streams and more! Or, you can get instant gratification with the little-known American Express Rewards Card. OCBC rewards are fairly basic – the usual KrisFlyer miles and shopping vouchers at major retailers, plus dining vouchers at a better-than-average selection of restaurants. spend. While most travel cards favor foreign currency transactions, MB Horizon offers an incredible 3.2 miles per local S$1 spend on dining, transport, petrol, and Agoda bookings. Compare the top cash back, rewards, petrol, shopping, grocery or air miles credit cards and learn about credit card promotions and more. The SCB Rewards+ Credit Card is a great card for those who like to maximise the value of their overseas spends (including online transactions in foreign currencies). Points per $1 spent . Each quarter, you may pick one category out of seven, ranging from beauty and fashion, to travel, dining and family. If you regularly shop for fashion, bags, shoes, accessories, or laptops, tablets and other electronics, the OCBC Titanium Rewards Card could prove to be highly rewarding. 1 category of your choice (beauty, fashion, dining, family, travel, transport, entertainment), Online shopping, food, entertainment + contactless payment, Major online shopping sites, department stores, fashion, electronics, kidswear. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. Redeem rewards with OCBC$ earned on your Best Denki Credit Card via OCBC Rewards Catalogue. A second factor to consider is the cap on bonus points imposed on your card. Best Air Miles Cards Overall . Amex rewards are a travel junkie’s dream come true. Usually there’s a variety of shopping and dining vouchers, and some have gifts like fancy whiskeys and gadgets. Use of this site constitutes acceptance of our, Here’s a quick look at the best entry-level. Why is it one of the best? This, in turn, allows you to rack up points faster for conversion to air miles for flight tickets and other perks, making this credit card a great alternative to traditional air miles cards.
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