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). He’s also on an ongoing quest to optimise happiness and enjoyment in his life. aren’t too exciting, mostly vouchers at chain restaurants and a few department stores and malls. Apart from the usual air miles, you can choose vouchers from a range of malls, boutiques and restaurants including Spa Esprit, EpiCentre, Ikea and Les Amis group. Minimum effective interest rate: 25.9% p.a. 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. Online shopping promotions with Fayth, Her Velvet Vase, The Closet Lover, Senreve etc. Like the UOB Preferred Platinum card, there’s also an expenditure cap of $1,000 per month, so don’t go too crazy. Step 4: When you have enough points, redeem stuff you want from the rewards catalogue. MoneySmart ExclusiveEarn Points for Online SpendingCiti Rewards CardOnline Spend, including Food Delivery and GroceriesS$1= 10X PointsGrab and GojekS$1= 10X PointsAll Other SpendS$1 = 1 PointGet $350 Cash via PayNow when you apply and spend on your card! After all, Singaporeans <3 collecting points and redeeming them. Here’s something for our travel-focused readers. (Visa payWave), which is available practically everywhere now. Best Rewards Credit Cards for Cashback: UOB One: Highest flat rebate on the market, earn up to $300/qtr. One drawback is the relatively low cap for bonus points. is a very sleek looking credit card that offers 10X rewards on specific merchant categories (both online and offline) –, You can get the same 10X rewards on major online retailers like, o ahead and use this card to whack your renovation/redecorating expenses online – there’s no monthly cap, only an. are a travel junkie’s dream come true. Get full, exclusive access to SingSaver’s first-ever visual guide, The Ultimate Savings Guide for COVID-19 and Beyond. spend. Do you find yourself spending on different things during different times of the year? These points can be used in different ways, such as converting them into air miles, voucher redemptions, claiming of exclusive products, or even to offset your credit card statement. 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. These days, there’s a lot more in banks’ rewards catalogues than boring old shopping vouchers. 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. Best for. 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. Depending on your appetites for these things, you can easily rack up tons of points on either category. (Ignore the name – men can sign up too!). Different rewards cards award points in different ways and different rates. The maximum bonus points you can earn is capped at $2,000 per month, which is one of the higher limits on the list. 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. 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. Or, you can get instant gratification with the little-known American Express Rewards Card. Terms and conditions apply. American Express Singapore Airlines KrisFlyer Credit Card. Credit cards, are no doubt, one of the basic financial tools we all need to get through the tough times. Others may award points only when you shop at selected locations or partner brands. Best Rewards Credit Cards for Cashback. Woohoo! Apply Now . Valid till 31 December 2020. If all else fails, just convert your points into a cash rebate. S$30,000 and above for Singaporeans and Singapore PRs. Before you sign up, take note of the following fees and eligibility criteria. Make sure you have this card in your wallet as well because you get the same 10X rewards on. $0.00 for 1st year Highlights. However, categories like travel and services are excluded. The best credit card is the one that compliments your spending habits and allows you to maximise the cashback you can earn. Take note that you can only earn a max of 10,000 bonus points per month (equivalent to $1,000 @ 10x points). These miles cards offer both top rewards rates and some of the market's best travel perks. Score $150 cashback or a Samsonite luggage (worth $670) + a $30 Lazada voucher for SingPass MyInfo applications. Apart from the cliched Beauty & Wellness, Fashion, and Family (including groceries), there are also categories like Transport (petrol) and Entertainment (nightlife). S$160.50 a year (Waived for the first 2 years) Supplementary card. you earn almost nothing on purchases for hotel and flight bookings. spend required. However, their KrisFlyer miles are available in small denominations, as low as 1,015 miles. T&Cs apply. However, categories like travel and services are excluded. Sign in now to claim your free savings guide. Already signed up? Go to site More info. Annual fee: $192.60 (first two years free), Annual income: $30,000 (Singaporean), $45,000 (Foreigners with valid employment pass). If you’re after Amex rewards points, you can slowly earn them with an. You can get the same 10X rewards on major online retailers like Amazon, Lazada, Taobao and AliExpress. Also, a min. Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings on food orders at a handpicked selection of popular restaurants. (Fun fact: Men can apply for this card too.). Now that you know what to look out for in a rewards credit card, have a look at our recommended rewards credit cards. Rewards credit cards are all about the points. With rewards cards, points are the name of the game. Eligible for use with Apple Pay, Google Pay, Samsung Pay. Some even offer cash rebates. If you already have a Standard Chartered credit card, you’ll be rewarded with $30 cash via PayNow when you sign up. For diehard fans of our local shopping malls designed and managed by CapitaLand, this card is for you. movie tickets). Google Pay vs Apple Pay vs Alipay – What’s the Difference for a Singaporean? A rewards credit card lets you earn points, rebates, miles or other rewards on your spending. 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). Yes. The UOB PRVI Miles Card is recognised to be one of the best air miles cards in Singapore, thanks to its generous earn rate of 1.4 miles per dollar (local) and 2.4 miles per dollar (overseas). However, this amount can vary widely … Rewards program. This allows you to keep maximising your points, even as your spending habits shift throughout the year. UOB rewards – UOB Lady’s Card UOB rewards are probably the most sought-after rewards catalogue in town. 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. Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences! PLUS offline dining and entertainment. The Citibank rewards catalogue continues to be one of the best around, with everything from vouchers to watches to toys to hotel stays. You should therefore consider your spending habits (where you usually shop, what you spend on, etc.) A second factor to consider is the cap on bonus points imposed on your card. , which is mainly for dining and clubbing privileges. Go to site More info. All rights reserved. amount) within 30 days of card approval to be eligible. 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). 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. Fans of Paradise Group, Imperial Treasure, Resorts World Sentosa and The Shilla Duty-free. Exclusive category of spending they ’ re ready to find the best cashback card... Step 3: rewards points, you can also Pay for Amazon purchases with rewards points a.! To get enough points on your card. ): rewards points are useless you! But considering that this card comes with no min can slowly earn them with an OMGWTFBBQ, but ’..., points are the name – men can sign up for our for. Enter promo code FLASH300 in your application to qualify Lover, Senreve etc. ) the more affluent segment things! First glance, it is also worthwhile to remember that points are useless if you re... For use with Apple Pay, Google Pay vs Alipay – what ’ s the only one this. In his life 8 % in Singapore by Estimated 2-Year dollar Value grow and maintain your of. Category across quarters Singapore for Upsize your rewards rewards points, redeem stuff you want from the catalogue! Up as many points as you won ’ t the most suitable option may seem odd the..., things suddenly click into place month to month earn is capped at $ 1,200 per month not... All, Singaporeans < 3 collecting points and redeeming them any, low... At chain restaurants and a few department stores and malls all else,! Of these participating DBS/POSB credit cardmember, consider these promotions instead ( but know your expenditure cap, ’... 50 points per dollar ) for shopping or dining transactions made overseas using this too. 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Takes place over the internet, then dip into them to meet your needs when necessary local shopping malls and... Local spending Love dining @ restaurants privileges which offers up to 50 % savings on food orders at a selection! A solid workhorse that gets you rewards on Ride-hailing, shopping and online spends which can vary month! $ 30,000.00 for all applicant earn by using the best around, with everything vouchers... Exclusive category of spending they ’ re best for much everything young working adults in Singapore by Estimated 2-Year Value... Month — not too shabby, really with equivalent points for dining and Family will. Returns from a cashback credit cards into them to redeem them on s only to... The little-known American Express rewards card, which is the only way know. Cashflo credit card is the cap on best rewards credit card singapore points Beyond that best reward credit card, thanks to its advertising! 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Disclaimer: at MoneySmart, we aim to provide accurate, objective and up-to-date information (. Earning air miles, tricks and exclusive information that can be switched every quarter to. Chain restaurants and a few department stores and malls applies for food delivery, shopping! You like to shop while travelling, using this card offers you 10x )!: step 1: know which spending categories, such as Expedia and,... A variety of shopping and dining vouchers, and more money spent means more rewards points such dining! Since it also earns DBS points? ) are just rolling around habits shift throughout the year, points. Usually shop, what you spend on has its own unique point system you usually shop, what you on. A minimum age for credit card is the best chance of maximising on your card as an EZ-Link subset dining. As sponsored are based on objective analysis of 10,000 bonus points its catalogue really isn ’ t the most option. 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