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. I found and applied for a cashback card easily on their website. You can get the same 10X rewards on major online retailers like Amazon, Lazada, Taobao and AliExpress. catalogue continues to be one of the best around, with everything from vouchers to watches to toys to hotel stays. Now that you know what to look out for in a rewards credit card, have a look at our recommended rewards credit cards. Score $150 cashback or a Samsonite luggage (worth $670) + a $30 Lazada voucher for SingPass MyInfo applications. This card lets you earn 10x points (10 points per dollar spent) for food and grocery deliveries, as well as all online shopping spends — very useful for those pursuing a WFH lifestyle. The maximum bonus points you can earn is capped at $2,000 per month, which is one of the higher limits on the list. Requires annual income of $ 30,000.00 for all applicant. It can get tricky trying to find the best reward credit card because each bank has its own unique point system. You can use them to redeem whatever is in your bank’s catalogue of goodies. It’s hardly surprising that rewards cards are one of the most popular types of credit cards in Singapore. A second factor to consider is the cap on bonus points imposed on your card. DBS Promotion: Get $300 cashback when you apply and spend on one of these participating DBS/POSB credit cards. spend of $500 within the first month of card approval. Or course, you can also choose to stick with a category across quarters. SCB - Apple AirPods Gen 2 or S$300 Grab Vouchers, HSBC - Samsonite Prestige 69cm Spinner Exp or S$150 Cashback, Best Personal Accident Insurance Policies, See All Personal Accident Insurance Articles, full review of the UOB Preferred Platinum Card, full review of the HSBC Revolution Credit Card. Tell us about your tricks in the comments. Why is it one of the best? Before you sign up, take note of the following fees and eligibility criteria. I found and applied for a cashback card easily on their website. Google Pay vs Apple Pay vs Alipay – What’s the Difference for a Singaporean? To help you optimise credit card rewards and savings on your shopping, here’s our latest guide to the best shopping credit cards in 2020. Apart from the usual air miles and vouchers, there are some nice premium gifts like Jura Coffee Machines, Fitbits, Bang & Olufsen devices and a mini Segway. 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. Locally, you’ll get 5x points for dining at local establishments, including fast food outlets and caterers. Best UOB Credit Cards In Singapore (2020), Best American Express Credit Cards In Singapore (2020), – 10x points on shopping, ride-hailing, online food and groceries, Online shopping, food and groceries delivery, – 10x points on overseas retail, dining and travel, Overseas dining and other spends, local dining, – 10x points on shopping, department store and online spends (local or overseas), Fashion, shoes, accessories and electronics, – 10x points on online shopping, food delivery, travel and contactless transactions, Contactless payments, online shopping, food delivery, travel, – 10x points at participating outlets at CapitaLand Malls, 10x points on selected dining, fashion and airport duty-free cosmetics and perfumes. The rewards points you earn are also versatile. KrisFlyer. The best credit card is the one that compliments your spending habits and allows you to maximise the cashback you can earn. Different rewards cards award points in different ways and different rates. Get full, exclusive access to SingSaver’s first-ever visual guide, The Ultimate Savings Guide for COVID-19 and Beyond. All financial products and services are presented without warranty. are fairly basic – the usual KrisFlyer miles and shopping vouchers at major retailers, plus dining vouchers at a better-than-average selection of restaurants. T&Cs apply. If a major part of your spending takes place over the internet, then the Citi Rewards Credit Card is for you. Earn up to 3.1 KrisFlyer miles for every S$1 spent on your everyday spend. OCBC Cashflo Credit Card; POSB Everyday Card ; Best Rewards Credit Cards. 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. Annual income: $30,000 (Singaporean and PR) or $40,000 for self-employed (Singaporean and PR), $40,000 (Foreigners with valid employment pass). spend. You should therefore consider your spending habits (where you usually shop, what you spend on, etc.) You’ll have to be a new DBS/POSB credit cardholder and make one spend (no min. Welcome Deals. 1.1 points Sign up bonus. You may encounter earn rates of 1 point per dollar, 5 points per dollar, 1 point per $5, or any combination thereof. But that’s reasonable for average Singaporeans who don’t live the high life. Annual income: $30,000 (Singaporean and PR), $60,000 (Foreigners with valid employment pass), Annual fee: $240 (automatically waived with total minimum spend of $24,000), Age: At least 21 years old (females only), Annual income: $30,000 (Singaporean and PR), $40,000 (Foreigners with valid employment pass), Annual income: $30,000 (Singaporean and PR), $45,000 (Foreigners with valid work pass). You may click the links to apply for respective bank cards and get the reward now! The UOB Lady’s Card is a rewards credit card with a unique twist. These cards often include customer loyalty programmes, offering higher rewards for purchases at certain merchants. Like the UOB Preferred Platinum card, there’s also an expenditure cap of $1,000 per month, so don’t go too crazy. With rewards cards, points are the name of the game. 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. Best Rewards Credit Cards for Cashback. Bank's T&Cs apply, 10X Rewards on Ride-hailing, Shopping and Online spends. Eligibility requirements. Lots of people redeem air miles with their rewards points. Step 4: When you have enough points, redeem stuff you want from the rewards catalogue. Your bonus point earn is capped at $1,200 per month — not too shabby, really. Some provide additional points on specific spending categories, such as dining or fashion. 21 years old. Bank's T&Cs apply10X Rewards on Ride-hailing, Shopping and Online spends. Here’s a 4-step guide: Step 1: Know which spending categories give you the most points. UOB rewards – UOB Lady’s Card UOB rewards are probably the most sought-after rewards catalogue in town. Apart from a couple of standouts like PS Cafe vouchers and a yacht charter package, it has a rather limited range of restaurants and retailer vouchers. 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. 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. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. Rewards for Online & Mobile Pay. Typically, there is no minimum spend required to earn points, so you’ll accrue points as long as your transaction is eligible. Valid till 31 December 2020. Note that the cap of $1,000 a month means you can’t cash in on higher-expense occasions like long-haul travel or revamping your home. There are a variety of different rewards … Unlike many other rewards credit cards, the HSBC Revolution Credit Card lets you earn 10x points (10 points per dollar) when you make travel bookings online. 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. Here are some of the best rewards credit cards for you to consider: Citi Rewards: 10X Rewards on online and shopping purchases, groceries and private hire rides DBS Woman’s World: 10X DBS Points (or 20 miles) on online purchases are a travel junkie’s dream come true. Also, credit cards may offer different points earn rates. “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. Citibank Cash Back Card – MoneySmart Review 2021, UOB One Credit Card — “Singapore’s most generous rebate card” Now Updated with up to 10% Rebate on Daily Spend, Best 1-for-1 Hotel Buffet Dining Promotions in Singapore (Nov 2020), Best Credit Card Promotions (2020) – Free AirPods, CapitaLand Vouchers & More, Hoolah, Rely & Other Credit Card Instalment Plans to Ease Your Payment Pains. amount) within 30 days of card approval to be eligible. In addition, the catalogue has a smallish selection of gift cards, dining vouchers and gifts. Amex rewards are a travel junkie’s dream come true. Are you sick and tired of tracking your expenses to the very cent in order to maximise your returns from a cashback card? Rack up enough of them and you can enjoy a whole slew of exclusive perks and privileges only available to cardholders. – 10x points on online and overseas spends, Annual income: $30,000 (Singaporean), $60,000 (Foreigners with valid employment pass). Having said that, it is also worthwhile to remember that points are useless if you have nothing to redeem them on. Additionally, 10x points also applies for food delivery, online shopping and contactless payments. Fans of Paradise Group, Imperial Treasure, Resorts World Sentosa and The Shilla Duty-free. Earns a whopping 5X the points on “eats and drinks”, which encompasses a huge range of purchases including restaurants, groceries, food deliveries, bars, and cafes. Staycation hotel deals with Agoda and Klook, Activate SimplyGo to use your card as an EZ-Link. 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. T&Cs apply. “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. 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). DBS rewards may be well known in Singapore, but its catalogue really isn’t the most impressive. Usually there’s a variety of shopping and dining vouchers, and some have gifts like fancy whiskeys and gadgets. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. You might want to consider switching to a rewards card, which is probably the lowest effort type of credit card on the market. See the full review of the HSBC Revolution Credit Card here. S$30,000 and above for Singaporeans and Singapore PRs. Receive $100 CapitaVoucher when you make a min. Here’s a quick look at the best entry-level rewards credit cards in Singapore and what type of spending they’re best for. Eligible for use with Apple Pay, Google Pay, Samsung Pay. Yes. A rewards credit card lets you earn points, rebates, miles or other rewards on your spending. For diehard fans of our local shopping malls designed and managed by CapitaLand, this card is for you. Compare the top cash back, rewards, petrol, shopping, grocery or air miles credit cards and learn about credit card promotions and more. At first glance, it may seem odd that the Maybank World Mastercard focuses on a narrow subset of dining and shopping experiences. © 2009-2020 MoneySmart. HSBC rewards aren’t the most astounding in terms of variety, but the catalogue is lovely and well-curated. (But know your expenditure cap so you don’t go overboard.). Step 3: Rewards points are magically credited to your account. Make sure you have this card in your wallet as well because you get the same 10X rewards on contactless payment (Visa payWave), which is available practically everywhere now. This allows you to keep maximising your points, even as your spending habits shift throughout the year. bonus interest with UOB One Account, The best credit card for earning UOB rewards points, or UNI$, is the newly revamped UOB Lady’s Card. Apart from the cliched Beauty & Wellness, Fashion, and Family (including groceries), there are also categories like Transport (petrol) and Entertainment (nightlife). You also get 5X rewards ($1 = 1.45 miles) on local dining, which is a better rate than the typical $1 = 1.2 miles you can get on local spending with normal miles cards. Step 2: Go ahead and spend in those categories! (Ignore the name – men can sign up too!). Best Rewards Credit Cards for Cashback: UOB One: Highest flat rebate on the market, earn up to $300/qtr. After all, Singaporeans <3 collecting points and redeeming them. Rewards+ Credit Card From Standard Chartered Bank Singapore For Upsize Your Rewards. Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences! What’s really great about this card is that you can choose one out of 7 spending categories to earn bonus rewards in – and you can even switch categories every 3 months. As for the card itself, the OCBC Titanium Rewards Card is a very sleek looking credit card that offers 10X rewards on specific merchant categories (both online and offline) – fashion, electronics, department stores and kidswear. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. Online shopping promotions with Fayth, Her Velvet Vase, The Closet Lover, Senreve etc. You can earn 10x points (50 points per $5) on these four spending categories, whether for in-store or online transactions. Choose from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel, Bonus 2X UNI$** (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. and pick a card that provides the most points accordingly. To be eligible for this promotion, you’ll have to be a new Standard Chartered Bank cardholder and activate your new card within the first 30 days of card approval. know their way around them. The Citibank rewards catalogue continues to be one of the best around, with everything from vouchers to watches to toys to hotel stays. Best for. 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. Because of banking jargon, rewards cards might seem complicated, but they’re actually really easy to use. American Express Singapore Airlines KrisFlyer Credit Card. Make sure you have this card in your wallet as well because you get the same 10X rewards on. However, look out for the very low annual cap of 20,000 points. Take note that you can only earn a max of 10,000 bonus points per month (equivalent to $1,000 @ 10x points). You can enjoy cash backs as rewards with these credit cards: UOB One Card: Best Flat Rebate Rate: Up to 5% rebate on all spend, S$300/quarter. you earn almost nothing on purchases for hotel and flight bookings. While there’s no minimum spend, there is a monthly cap of $1,000. DBS Altitude Visa: Easy Annual Fee Waiver + Luxury Travel Perks. Principal card. Look out for partner promotions to earn a max of 65 points per dollar when you spend at participating outlets in CapitaLand malls (50 points from participating outlets, and 15 points for spending in a CapitaLand mall). See the full review of the Citibank Rewards Card here. Double-dip on your electronics purchase when you buy from BEST Denki; you’ll get an additional 2% rebate on top of your rewards points. 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. Online spending includes travel bookings (flights, hotels, activities like Klook), daily essentials (online groceries, food delivery, GrabPay credits) and online shopping. Terms and conditions apply. If all else fails, just convert your points into a cash rebate. You can redeem anything from Les Amis dining vouchers to Amazon credit to cash rebates these days. Some content may be compensated through third-party advertisers. 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. 29,800 points and more Annual fee. PLUS offline dining and entertainment. You can earn 10 points per $5 spent, on everything from food and grocery delivery to movie tickets and hotel bookings –– as long as the transaction is processed over the internet. 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). There’s no cap on the amount of bonus points you can earn with this card, and all other retail spends earn 1 point per dollar spent. spend required. Up to UNI$10 per S$5 spend on online shopping and entertainment, Up to UNI$10 per S$5 spend via mobile contactless payment, Earn SMART$ rebates at over 400 participating outlets and use it to offset your next purchase. Now that you know what to look out for in a rewards credit card, have a look at our recommended rewards credit cards. 10X UNI$ (or 20 miles) per S$5 spent on your preferred category with no min. The details you see on our site may be different from others. 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. Your personal and financial data stays safe through 2-factor authentication. Types of credit card rewards programs in Singapore. Already signed up? Some even offer cash rebates. To be honest, Standard Chartered rewards aren’t too exciting, mostly vouchers at chain restaurants and a few department stores and malls. Upsize Your Adventures. SingSaver.com.sg’s comparison tool helped me decide on an air miles card in 10 minutes.” ”, “ “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. If you buy a lot of stuff online, you’ll appreciate the 10X rewards on shopping, groceries, food delivery and entertainment (e.g. Read these next:Best Cashback Credit Cards In Singapore 2020Top Credit Card Promotions And Deals On SingSaverCashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?Best UOB Credit Cards In Singapore (2020)Best American Express Credit Cards In Singapore (2020). (Might I suggest using the DBS Altitude Card to catch your “overflow”, since it also earns DBS Points?). If you’re not a new DBS/POSB credit cardmember, consider these promotions instead. UOB Rewards vs DBS Rewards vs OCBC Rewards – Which Catalogue Is Best? Similarly, its rewards card the HSBC Revolution Card won’t make you go OMGWTFBBQ, but it’s nonetheless legit. 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. 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. 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. spend of $800 in the first month after card approval is required. 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. Earn bonus points simply for shopping at CapitaLand Malls, and even more at selected partner merchants. That way, you stand the best chance of maximising on your credit card rebates and rewards. 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. (e.g. Credit cards, are no doubt, one of the basic financial tools we all need to get through the tough times. 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