Best Cashback Credit Cards in Singapore 2026

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 18% cash rebate or 10 mpd at participating yuu merchants ^{Participating yuu merchants include useful ones like:
• Giant
• Cold Storage
• Gojek
• Foodpanda
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• 7-Eleven}, up to S$822.86 per calendar month

Minimum card spend of S$800 per calendar month required for bonus cashback
Transact at a minimum of 4 participating yuu merchants per calendar month for bonus cashback
Converting yuu points for KrisFlyer miles (10 mpd) comes with a huge opportunity cost (18% cash rebate)
0.5% cash rebate or 0.28 mpd on non-bonus spending
Only 1 useful points transfer partner (KrisFlyer)
3.25% foreign transaction fee

📄 Quick review

More information on the

DBS yuu Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 36 yuu points per dollar when spending between S$800 and S$822.86 at participating yuu merchants in a calendar month. To receive the bonus yuu points, cardholders are also required to spend at a minimum of 4 participating yuu merchants every calendar month.

What are yuu points worth?
36 yuu points can be redeemed for an effective earn rate of 18% cash rebate or 10 miles per dollar.

What if you spend more than S$822.86 at participating yuu merchants?
Once you’ve accumulated more than the 28,800 monthly cap on bonus yuu points, you’ll continue to earn just 1 yuu point per dollar (0.5% cash rebate).

Should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to receive 18% rebate, you’d be “paying” about 1.8 cents per KrisFlyer mile in opportunity cost; and that’s pricey.

Tip: Redeem yuu points for excluded Giant or Cold Storage items like magazines, infant milk formula, sushi or tobacco products to lower/eliminate your opportunity cost.

If you’re looking to top-up small amounts of KrisFlyer miles for an award redemption, this is a great way to do so, as conversions are free and instantaneous.

Here are the participating yuu merchants:

• Giant
• Cold Storage
• Gojek
• 7-Eleven
• Foodpanda
• Singtel
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• Charge+ EV charging (Visa only)
• CHAGEE (via CHAGEE app only)

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

🫱‍🫲 Transfer partners
KrisFlyer only

💯 Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile

🧮 Transfer block
200 points (56 miles)

💲Transfer fee
Free

❓How/When points are credited
Base reward: 1 yuu point (uncapped)
Bonus reward (no min. spend): 9 yuu points (capped at 28,800 points)
Bonus reward (S$800 min. spend): 26 yuu points (capped at 28,800 points)
Total reward: 36 yuu points

Base points are credited instantly while bonus points are credited within 60 days from the transaction date.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$87.20 (first 2 years waived; request waiver every year)

 Get 5% cashback on five bonus categories, up to S$1,600 per calendar month:1) Dine (e.g. restaurants, bakeries, food delivery)
2) Shop (e.g. apparel, department stores)
3) Travel (e.g. airlines, hotels, travel agencies)
4) Play (e.g. bars, cinemas)
5) Foreign Spend (e.g. almost anything in foreign currencies)

Only available to those aged 21-39 years
Minimum card spend of S$500 per calendar month required for bonus cashback
0.2% cashback on non-bonus spending
3.25% foreign transaction fee

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Mini review of the

Maybank XL Cashback Card

Suitesmile rating:

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This card gives you a strong 5% cashback on selected spending categories like flights, hotels, dining, shopping (in-person & online), food deliveries, entertainment and foreign currencies (overseas & online), when spending at least S$500 and up to S$1,600 per calendar month.

But oldies beware, this card is only available to those aged 21 to 39 years old.

Qualifying transactions:
Only whitelisted Merchant Category Codes (MCCs) for each spending category qualify for the bonus earn rate. Unsure about the MCC? Check before making the payment.

However, if you’re spending in a foreign currency, it doesn’t matter what the MCC is, provided it doesn’t fall under the general exclusions stated in the t&c. What’s great is that typically-excluded spending categories like Medical and Education qualify for 5% cashback, when paying in a foreign currency.

All other transactions earn just 0.2% cashback (uncapped).

Cardholders can reduce the foreign currency fee by about 1% by pairing this card to Amaze. IMPORTANT: Only do this for the non-foreign currency bonus categories (flights, hotels, dining etc.) made in foreign currency (not SGD).

If you’re into the Miles, check out the highly-rated Maybank XL Rewards Card.

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💸 Annual fee
S$87.20
(First 2 years waived)

👶 Age requirement
21 to 39 years old

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓When cashback is credited
Cashback amount will be credited to the card at the end of the next calendar month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get up to 3.33% cashback on almost everything, up to S$600, S$1,000 or S$2,000 per statement month ^{Cashback capped at S$60, S$100 or S$200 per quarter (equivalent to S$20, S$33.33 or S$66.67 per month).}
 Get additional 1-6.67% cashback at selected merchants (total up to 4.33-10% cashback) ^{Selected merchants include: Grab, Shopee, Giant, Cold Storage, SimplyGo and SP Group. Additional cashback capped at S$120 per statement month.}

Minimum card spend of S$600, S$1,000 or S$2,000 per statement month, for 3 consecutive months in a qualifying quarter required for bonus cashback
Minimum 10 transactions per statement month required for bonus cashback
0.03% cashback on non-bonus spending
Bonus categories for additional cashback (1-6.67%) are MCC-sensitive
3.25% foreign transaction fee

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More information on the

UOB One Card

Suitesmile rating:

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✍️ Short summary
This card can be highly rewarding, but it requires a lot of tracking work on your part and can be very time-consuming.

Earn up to 3.33% cashback on almost everything, including online shopping, in-person shopping, dining, groceries, ride-hailing, food delivery, utilities and even phone/internet bills.

Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of S$60, S$100 or S$200 at the end of each quarter.

How to receive up to 3.33% cashback:

• MANDATORY: Make at least 10 transactions per statement month
• Get S$60 cashback when you spend at least S$600 per month, for 3 consecutive statement months in a qualifying quarter
• Get S$100 cashback when you spend at least S$1,000 per month, for 3 consecutive statement months in a qualifying quarter
• Get S$200 cashback when you spend at least S$2,000 per month, for 3 consecutive statement months in a qualifying quarter

In other words, you will only receive exactly 3.33% cashback when you spend exactly S$600, S$1,000 or S$2,000 for 3 consecutive months in a qualifying quarter. For example, a cardholder who spends S$1,800/month in that same period, would fall under the S$1,000 band and be rewarded with just S$100 cashback (equivalent to 1.85%).

Cardholders who meet the conditions for up to 3.33% cashback described above can earn up to 6.67% additional cashback (total up to 10% cashback) at selected merchants like Grab, Shopee, Giant, Cold Storage and SimplyGo. This additional cashback is capped at S$120 per statement month.

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓ When cashback is credited
Receive your cashback in the card by the following statement date after the completion of your qualifying quarter.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$196.20 (first 3 years waived; request waiver every year)

 Tier 1: Get 6% cashback on five chosen bonus categories, up to S$333 per category, per calendar month ^{Choose 5 bonus categories from:
1) Automotive (default)
2) Dining & Food Delivery (default)
3) Kids & Pets (default)
4) Online Shopping (default)
5) Telco & Streaming (default)
6) Beauty & Wellness
7) Commute
8) Entertainment
9) Groceries
10) Sports & Sports Apparels}
 Tier 2: Get 6-8% cashback on five chosen bonus categories, up to S$375-S$500 per category, per calendar month ^{Choose 5 bonus categories from:
1) Automotive (default)
2) Dining & Food Delivery (default)
3) Kids & Pets (default)
4) Online Shopping (default)
5) Telco & Streaming (default)
6) Beauty & Wellness
7) Commute
8) Entertainment
9) Groceries (max. 6% cashback)
10) Sports & Sports Apparels}
 Additional bonus category: Get 6% or 8% cashback on transactions in Malaysian Ringgit or Indonesian Rupiah

Minimum card spend of S$800 and S$1,600 per calendar month required for Tier 1 and 2 bonuses, respectively
Groceries category get a maximum of 6% cashback, even with Tier 2 qualification
Bonus categories are MCC-sensitive
0.22% cashback on non-bonus spending
3.25% foreign transaction fee

📄 Quick review

More information on the

Maybank Family & Friends Card

Suitesmile rating:

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✍️ Short summary
Cardholders can earn 6% or 8% cashback on their 5 chosen categories via two cashback tiers.

Tier 1 (6% cashback): Spend at least S$800 per calendar month. Cashback is capped at S$20 per category (S$333 worth of spending).

Tier 2 (up to 8% cashback): Spend at least S$1,600 per calendar month. Cashback is capped at S$30 per category (S$375 worth of spending). However, take note that the Groceries category will still only earn 6% cashback on up to S$500 worth of spending.

Cardholders can choose 5 bonus categories (via Maybank’s TREATS SG app) from a list of 10:

1. Automotive (default)
2. Dining & Food Delivery (default)
3. Kids & Pets (default)
4. Online Shopping (default)
5. Telco & Streaming (default)
6. Beauty & Wellness
7. Commute
8. Entertainment
9. Groceries
10. Sports & Sports Apparels

Additional Bonus Category
Cardholders can also earn 6% or 8% cashback on eligible purchases made in Malaysian Ringgit or Indonesian Rupiah, but not if they fall under the cardholder’s chosen spending categories. If a transaction overlaps with the chosen categories and exceeds the cashback cap, only the amount spent beyond that limit will qualify for this additional category. Cashback earned in this category is also capped at S$20 and S$30 per calendar month for Tier 1 and Tier 2 respectively.

Get just 0.22% cashback if you fail to meet the minimum spending requirement and for other spending categories.

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💸 Annual fee
S$196.20
(First 3 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓When cashback is credited
Cashback amount is credited into the card at the end of the statement month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 8% cashback on ride-hailing & petrol, 6% cashback on dining & groceries spending, up to S$1,000-S$1,333 per statement month ^{Cashback capped at S$80 per statement month. Maximum spend to earn cashback: S$1,000 (if spending only on 8% categories), S$1,333 (if spending only on 6% categories), or somewhere in between if spending across both.}

Minimum card spend of S$800 per statement month required for bonus cashback
Bonus categories are MCC-sensitive
0.2% cashback on non-bonus spending
3.25% foreign transaction fee

📄 Quick review

More information on the

Citi Cash Back Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong 8% cashback on Ride-Hailing and Petrol spending and 6% cashback on Groceries and Dining upon meeting the minimum spend of S$800 per statement month. Cashback is capped at S$80 per month.

Using this card for fuel purchases at Esso and Shell will get you 20.88% in savings, while using it at Sinopec can get you up to 31% in savings (depending on station discount).

Eligible purchases in foreign currency counts too! Remember to link the card to Amaze to lower foreign currency charges.

Pro tip: Can’t meet the S$800 monthly spending requirement? You can purchase supermarket vouchers in store to make up the difference. These voucher purchases will be eligible for 6% cashback and can be used for grocery shopping in future.

Get just 0.2% cashback for other spending categories.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/year

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cardholders are required to redeem it via SMS.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Get 5% cashback on online spending, groceries, ride-hailing and public transport, up to S$12,000 per card membership year
 Great for big online purchases (e.g. tech gadgets, appliances, buying miles/points)

Minimum card spend of S$500 per statement month required for bonus cashback
0.3% cashback on non-bonus spending
Travel-related spending (e.g. flights, hotels) excluded from bonus cashback
3.25% foreign transaction fee

📄 Quick review

More information on the

Citi SMRT Card

Suitesmile rating:

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✍️ Short summary
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of S$500 per statement month.

Cashback is capped at S$600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on S$12,000 worth of eligible spending, making this card fantastic for large purchases!

Get just 0.3% cashback for all other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/year

🤑 Foreign currency fee
3.25%

❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. S$10).

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000-S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 5% cashback on dining, shopping and entertainment spending, up to S$5,000 per calendar quarter ^{Cashback capped at S$250 per quarter (equivalent to S$83.33 per month).}

Minimum card spend of S$600 per calendar month, for 3 consecutive months in a calendar quarter required for bonus cashback
0.3% cashback on non-bonus spending
Bonus categories are MCC-sensitive
3.25% foreign transaction fee

📄 Quick review

More information on the

HSBC Live+ Card

Suitesmile rating:

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✍️ Short summary
This card gives you 5% cashback on Dining, Shopping and Entertainment when spending at least S$600 per calendar month, for 3 consecutive months in a calendar quarter.

This cashback amount is capped at S$250 per quarter — equivalent to S$5,000 in spending per quarter, or an average of S$1,667 per month.

New HSBC Live+ cardholders can enjoy +3% cashback (total 8%) on the above bonus categories in the first 2 calendar quarters from card approval date.

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000-S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Bonus cashback amount is credited into the card within 2 months, after the end of each calendar quarter.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$30,000
Annual fee: No annual fee, ever

 Get 10% cashback on five bonus categories, up to S$200 per category, per statement month ^{The bonus categories are:
1) Beauty & wellness
2) Online shopping
3) Grocery
4) Pet shops and veterinary services
5) Cruise}

Minimum card spend of S$800 per statement month required for bonus cashback
Bonus categories are MCC-sensitive
0.2% cashback on non-bonus spending
3% foreign transaction fee

📄 Quick review

More information on the

CIMB Visa Signature Card

Suitesmile rating:

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✍️ Short summary

This card awards 10% cashback on 5 bonus categories, when you spend at least S$800 on the card in a statement month.

Monthly bonus cashback is capped at S$20 per category (S$200 worth of spending), so, the only way to truly earn 10% cashback is by spending on at least 4 bonus categories in a statement month.

Here are the 5 bonus categories:

1. Beauty & wellness
2. Online shopping
3. Grocery
4. Pet shops and veterinary services
5. Cruise

Get just 0.2% cashback on all other categories and if you fail to meet the minimum spending requirement.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year

🤑 Foreign currency fee
3%

❓How/When cashback is credited
Cashback will be credited by the following statement month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Quarterly fee: S$21.80 (first 3 years waived; subsequent quarters waived if card is charged at least once every 3 months)

 Get up to 3.33% cashback on almost everything, up to S$300, S$1,000 or S$2,000 per calendar month ^{Cashback capped at S$30, S$100 or S$200 per quarter (equivalent to S$10, S$33.33 or S$66.67 per month).}
 Commonly-excluded categories like insurance, medical and education also qualify for up to 3.33% cashback

Minimum card spend of S$300, S$1,000 or S$2,000 per calendar month, for 3 consecutive months in a calendar quarter required for bonus cashback
Cashback on selected categories like insurance, medical and education capped at 30% of minimum spending tier
3.25% foreign transaction fee

📄 Quick review

More information on the

Maybank Platinum Visa Card

Suitesmile rating:

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✍️ Short summary

Cardholders can earn up to 3.33% cashback on a wide range of spending categories like online shopping, in-person shopping, dining, groceries, flights, hotels, ride-hailing, food delivery, phone bills and even insurance* and education*.

*3.33% cashback on commonly-excluded categories like Insurance, Education and Medical Bills, note that they can only make up a maximum of 30% of your spending tier (e.g. max. S$300 for the S$1,000 tier).

Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of S$30, S$100 or S$200 at the end of each quarter.

How to receive up to 3.33% cashback:

• Tier 1: Get S$30 cashback when you spend at least S$300 per month, for 3 consecutive calendar months in a calendar quarter
• Tier 2: Get S$100 cashback when you spend at least S$1,000 per month, for 3 consecutive calendar months in a calendar quarter
• Tier 3: Get S$200 cashback when you spend at least S$2,000 per month, for 3 consecutive calendar months in a calendar quarter

In other words, you will only receive exactly 3.33% cashback when you spend exactly S$300, S$1,000 or S$2,000 for 3 consecutive months in a calendar quarter. For that reason, a cardholder who spends S$400 to S$900 per month in that same period would unfortunately fall under the S$300 band, and be rewarded with just S$30 cashback from S$2,700 worth of spending (equivalent to 1.1%).

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💸 Quarterly fee
S$21.80
(First 3 years waived, subsequent quarters waived if card is charged at least once every 3 months)

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓ When cashback is credited
Receive your cashback in the card by the following calendar month after the completion of a calendar quarter.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Get 6% cashback on petrol
 Get 5% cashback on dining
 Get 3% cashback on groceries, public transport, ride-hailing, utilities and EV charging
 Get uncapped 1% cashback on selected advertising platforms

Minimum spending for bonus cashback (per calendar month):Tier 1: S$800
Tier 2: S$1,600 Bonus cashback caps (per calendar month):Tier 1: S$80 per calendar month
Tier 2: S$160 per calendar month Bonus categories are MCC-sensitive
0.25% cashback on non-bonus spending
3.25% foreign transaction fee

📄 Quick review

More information on the

OCBC 365 Card

Suitesmile rating:

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✍️ Short summary

This card gives you 3 to 6% cashback on selected bonus categories upon meeting the monthly minimum spending requirement.

Here are the bonus categories and cashback amounts:

1. Petrol: 6%
2. Dining & Food Delivery: 5%
3. Groceries: 3%
4. Public Transport & Ride-Hailing: 3%
5. Recurring Utility & Telco Bills: 3%
6. Watsons: 3%
7. Streaming: 3%

Bonus cashback comes with the following minimum spending and caps (per calendar month):

• Tier 1: Min. spend S$800, bonus cashback capped at S$80
• Tier 2: Min. spend S$1,600, bonus cashback capped at S$160

Cardholders can also receive uncapped 1% cashback with no minimum spending requirement when spending at the following advertising platforms:

• 99.co
• EdgeProp
• PropertyGuru
• StreetSine
• Facebook & Meta (with MCC 7311)

This is a decent card for dining and transport spending (5% cashback) but the cashback earn rates on other categories are really weak for a card with an S$800/month minimum spending requirement. Consider using better Cashback credit cards.

Get just 0.25% cashback on other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Bonus cashback is credited by the end of the following calendar month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Age requirement: 21 to 29 years old (at application)
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$45,000Annual fee: S$196.20 (first 5 years waived; request waiver every year after)

 Choose 1 of 2 card rewards on local spending:• 5% cashback on your 2 highest-spending categories, 1% on everything else <sup>The 2 categories with the highest eligible local spend each calendar month are picked automatically from Dining, Travel, Shopping, Transport, Entertainment and Wellness.

5% = 1% base + 4% bonus cashback. Bonus cashback is capped at S$30 per category per calendar month (S$750 spend per category).</sup>
• 1.3 mpd on all spending ^{Switch between cashback and miles once per calendar month in the DBS digibank app. Miles are earned as DBS Points, which do not expire.} No minimum spending (for 1% cashback and 1.3 mpd)
 Uncapped earn rates (for 1% cashback and 1.3 mpd)
 No foreign transaction fees
 Points don’t expire

Only for those aged 21 to 29 at application; bonus cashback ends 3 months after your 30th birthday month ^{From the 4th month after your 30th birthday month, the card earns uncapped 1.7% cashback on local spending with no minimum spending, or 1.3 mpd.}
Minimum card spend of S$500 per calendar month required for bonus cashback
Bonus categories are MCC-sensitive
Low earn rate of 1% cashback on non-bonus spending
Low earn rate of 1.3 mpd (spend with better miles cards instead)
No cashback or miles on foreign currency spending
Only 2 useful points transfer partners

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DBS Chromo Card

Suitesmile rating:

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✍️ Short summary
This card is only available to those aged 21 to 29 at application. Spend at least S$500 per calendar month to unlock 5% cashback (1% base + 4% bonus) on your 2 highest-spending local categories.

Your 2 categories are picked automatically each calendar month from:

1. Dining
2. Travel
3. Shopping
4. Transport
5. Entertainment
6. Wellness

Bonus cashback is capped at S$30 per category per calendar month (S$750 spend per category). All categories are MCC-sensitive. All other eligible local spend earns 1% cashback with no cap and total cashback is capped at S$150 per calendar month.

Alternatively, switch to miles in the DBS digibank app to earn 1.3 miles per dollar (as DBS Points) on all eligible local spend, with no cap and no minimum spending. Only one switch is allowed per calendar month, and the preference in effect on the 10th of the following month decides that month’s rewards.

Foreign currency transactions come with no foreign transaction fee but earn no cashback or miles. They do count towards the S$500 minimum spend.

From the 4th month after your 30th birthday month, bonus cashback ends and the card earns uncapped 1.7% cashback on local spend with no minimum spending, or the same 1.3 mpd.

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💸 Annual fee
S$196.20
(First 5 years waived, always request for a waiver after that)

🎂 Age requirement
21 to 29 years old

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
None
(but no cashback/miles on foreign spend)

⏰ Points expiry
Points earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, AirAsia rewards

💯 Transfer ratio
1 point = 2 miles (KrisFlyer, Asia Miles)
500 points = 1,500 AirAsia Points

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When cashback and points are credited
Base cashback is credited by the end of the following calendar month, and bonus cashback within 60 days of the month-end. DBS Points are calculated per transaction as the amount divided by S$5, multiplied by 3.25 points and rounded down (equivalent to 1.3 mpd).

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000-S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 1.5% cashback on almost everything with no minimum spending
 Get +1% cashback (total 2.5%) when spending more than S$2,000 per calendar month, up to S$2,800.

Low earn rate when spending less than S$2,000/month (spend with better cashback cards)
3.25% foreign transaction fee

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HSBC Advance Card

Suitesmile rating:

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✍️ Short summary
This card gives you 1.5% cashback on almost everything, with no minimum spending required. Cardholders can receive an additional 1% cashback when they spend more than S$2,000 in a calendar month. Monthly cashback amount is capped at S$70 (S$2,800 worth of spending).

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000-S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card at the end of next calendar month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$120,000 ^{Requires a valid Employment Pass, S Pass, or ONE Pass with at least 6 months remaining validity.}Annual fee: S$196.20 (first year waived if approved by 31 Dec 2026)

Get 3-10% back on local Grab spending <sup>Earn 3% on your first S$500 local Grab spend with no minimum spend.

Earn 5% on your next S$500 to S$1,000 and 10% on amounts above S$1,000 local Grab spend per statement month.

The 5% and 10% tiers also require min. S$500 local, non-Grab spend per statement month.</sup>
Get 10% back on overseas Grab spending
Get 1.75% cashback locally
Get 1.75% cashback on Singtel bills
No minimum spending (to receive 3% on local Grab, 10% on overseas Grab and 1.75% on Singtel bills only)
Uncapped earn rates
No foreign transaction fees

 Minimum spending:• For 1.75% local cashback: Min. S$500 per statement month ^{Minimum local, non-Grab, non-Singtel spending of S$500 per statement month}
• For 5% local Grab cashback: Min. S$500+S$500 per statement month ^{Minimum local, non-Grab, non-Singtel spending of S$500 per statement month, plus S$500 local Grab spend.}
• For 10% local Grab cashback: Min. S$500+S$1,000 per statement month ^{Minimum local, non-Grab, non-Singtel spending of S$500 per statement month, plus S$1,000 local Grab spend.} No cashback on foreign spend (except Grab)
Rewards on Grab spending awarded in GrabCoins ^{GrabCoins are Grab loyalty points, not cash. You can only use them in the Grab app, where 500 GrabCoins offset about S$1 of your Grab spending.}

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GXS Credit Card

Suitesmile rating:

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✍️ Short summary
GXS Credit Card gives you uncapped 1.75% cashback on almost everything locally, 3-10% back (in GrabCoins) on local Grab spending, 10% back on overseas Grab spending and no foreign transaction fees on overseas or foreign currency spending.

A minimum spending of S$500 per statement month on local, non-Grab, non-Singtel transactions is required to earn the 1.75% base cashback locally. Singtel bills earn 1.75% cashback with no minimum spending and no cap.

Rewards on local Grab spending are tiered, may require minimum spending and are credited instantly as GrabCoins.

Here’s how it works:

Grab spend	Earn rate	Min. spend
First S$500	3%	None
Next S$500	5%	S$500 non-Grab
Above S$1,000	10%

For example, with S$1,500 worth of local Grab spending in a statement month, you’d earn the following (assuming you also accumulated S$500 non-Grab spending):

• First S$500: ~S$15 GrabCoins (3%)
• S$500-S$1,000: ~S$25 GrabCoins (5%)
• S$1,000-S$1,500: ~S$50 GrabCoins (10%)

That’s ~S$90 worth of GrabCoins on S$1,500 local Grab spending, for an effective earn rate of just 6%. As the top-end 10% earn rate is uncapped, your effective earn rate improves the more you spend on Grab locally.

Overseas Grab transactions, on the other hand, earn a clean, uncapped 10% with no minimum spending. As there is no FX fee on this card, this is a superb card benefit.

Note: GrabCoins are Grab loyalty points, not cash. You can only use them in the Grab app, where 500 GrabCoins offset about S$1 of your Grab spending.

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💸 Annual fee
S$196.20
(First year waived if approved by 31 Dec 2026)

💼 Income requirement
S$30,000/year (S’porean/PR),
S$120,000/year (Foreigner)

🤑 Foreign transaction fee
No foreign transaction fee

❓How/When cashback is credited
GrabCoins on Grab spending are credited instantly. Base and Singtel cashback are credited at the start of your next statement month.

📜 Terms & conditions

🎁 Sign-up bonusS$8 Grab ride voucher and first-year annual fee waiver if approved by 31 Dec 2026.

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
Annual fee: No annual fee, ever

 Get 1.5% cashback on foreign transactions, up to S$1,500 per calendar month (till 31 Dec 2027)
 No minimum spending
 No foreign transaction fees

Low earn rates on local and Shopee spending (spend with better cashback cards instead)
• 1.5% cashback on local spending
• 1.5% coins on Shopee spending

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Mari Credit Card

Suitesmile rating:

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✍️ Short summary
Mari Credit Card gives you 1.5% cashback, great foreign exchange rates with no foreign transaction fees and it does not come with an annual fee.

Cardholders can receive 1.5% cashback on any currency spending; uncapped for SGD transactions, up to S$1,500 per calendar month (till 31 Dec 2027) for foreign currency transactions. No minimum spending is required.

The existence of this card also means that the opportunity cost of using Miles credit cards (other than the newly-revamped Trust Freedom Card) for foreign currency spending is now about 4.75%, as those cards come with around 3.25% in FX fees and no cashback.

Cardholders can also earn 1.5% Shopee coins when transacting with Mari Credit Card Instant Checkout on Shopee, but there are better miles and cashback cards for Shopee spending!

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year (aged 55 and below),
S$15,000/year (aged 56 and above)

🤑 Foreign transaction fee
No foreign transaction fee

❓How/When cashback is credited
Cashback amount is credited into the card immediately when the transactions post.

📜 Terms & conditions

🎁 Sign-up bonusGet S$30 cashback after spending at least S$300 within 30 days from card approval date.

Plus, get a S$50 Shopee voucher pack when you use Mari Credit Card Instant Checkout on Shopee.

Use code 6JAC91WK when signing up.

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$60,000Monthly fee: S$10.90 (first 12 months waived; subsequent months waived after spending at least 8 times of any amount or S$800/month)

 Get 2% cashback on almost everything, up to S$10,000 per calendar month
 No minimum spending

3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: No annual fee, ever

 Get 2% cashback on local and foreign spending, up to S$2,500 per calendar month
 No minimum spending
 No foreign transaction fees
 0% transaction fees on Alipay and WeChat Pay in China ^{Other foreign cards pay a 3% fee on payments above CNY 200. UnionPay International waives it for UnionPay cards and decides how long the waiver lasts.}

UnionPay cards have lower merchant acceptance than Visa/Mastercard outside China

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UOB UnionPay Card

Suitesmile rating:

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✍️ Short summary
This card gives you 2% cashback on almost everything, local and overseas, up to S$2,500 worth of spending per calendar month (S$50 cashback cap). No minimum spending is required.

There is no foreign transaction fee on foreign currency spending and no annual fee.

Paying with this card via Alipay or WeChat Pay in China comes with 0% transaction fees, including on payments above CNY 200, where other foreign cards pay 3%. UnionPay International decides how long this benefit lasts.

As compared to Visa and Mastercard, it can be harder to find merchants that accept UnionPay cards outside Mainland China.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
None

❓How/When cashback is credited
Cashback is credited into the card on the first working day of the following calendar month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$60,000Annual fee: No annual fee, ever

 Choose 1 of 4 card rewards:• 1.5% cashback locally, 0.5% on foreign spend
• Up to 15% cashback on chosen category (~5% in reality)
• 3% stockback on chosen stock/ETF (till 31 Dec 2026)
• 1.3 mpd on local and foreign spend No minimum spending (for 0.5-1.5% cashback, stockback and miles)
 Uncapped earn rates (for 0.5-1.5% cashback, stockback and miles)
 No foreign transaction fees

“15% cashback” headline on chosen category is impossible to achieve
Low earn rates on local spending:
• 1-1.5% cashback (spend with better cashback cards instead)
• 1.3 mpd (spend with better miles cards instead) S$5 earning block for miles ^{Transactions under S$5 earn zero miles.}
Stockback option drops to 2% locally and 0.5% foreign from 1 Jan 2027
Reward switch only takes effect from the next membership quarter

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$130.80 (first 2 years waived; request waiver every year)

 No minimum spending
 Uncapped earn rate

Low earn rate of 1.6% cashback (spend with better cashback cards)
3.25% foreign transaction fee

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Maybank FC Barcelona Card

Suitesmile rating:

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✍️ Short summary

This card gives you uncapped 1.6% cashback on almost everything, with no minimum spending requirement.

The low earn rate is somewhat acceptable for local spending, especially for those who wants a fuss-free card. However, this is not a good card to use for foreign currency spending, which comes with a 3.25% FX fee. Consider using better cashback credit cards.

Cardholders can also earn 0.3% cashback on certain spending categories like Education and Medical.

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💸 Annual fee
S$130.80
(First 2 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the following month, after the spending is posted in the card account.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; request waiver every year)

 No minimum spending
 Uncapped earn rate

Low earn rate of 1.6% cashback (spend with better cashback cards)
3.25% foreign transaction fee

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Citi Cash Back+ Card

Suitesmile rating:

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✍️ Short summary

This card gives you uncapped 1.6% cashback on almost everything, with no minimum spending requirement.

The low earn rate is somewhat acceptable for local spending, especially for those who wants a fuss-free card. However, this is not a good card to use for foreign currency spending, which comes with a 3.25% FX fee. Consider using better cashback credit cards.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cashback will only be credited in multiples of S$10, when it amounts to at least S$50. Any cashback amount earned but not yet credited will be brought forward to the following month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; request waiver every year)

 No minimum spending
 Uncapped earn rate

Low earn rate of 1.6% cashback (spend with better cashback cards)
3.25% foreign transaction fee

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OCBC Infinity Cashback Card

Suitesmile rating:

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✍️ Short summary

This card gives you uncapped 1.6% cashback on almost everything, with no minimum spending requirement.

The low earn rate is somewhat acceptable for local spending, especially for those who wants a fuss-free card. However, this is not a good card to use for foreign currency spending, which comes with a 3.25% FX fee. Consider using better cashback credit cards.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback is credited in the following statement month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: Not stated (usually S$30,000)
Annual fee: S$174.40 (first year waived; request waiver every year)

 Get 22% fuel savings at SPC till 31 Dec 2026, on up to S$1,690 spend
 Get uncapped 1.5% cashback on almost everything, including commonly-excluded transactions (e.g. utilities, education, healthcare)
 No minimum spending

Low earn rate (spend with better cashback cards)
AMEX cards have lower merchant acceptance than Visa/Mastercard
3.25% foreign transaction fee

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American Express True Cashback Card

Suitesmile rating:

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✍️ Short summary
This card gives you unlimited 1.5% cashback on almost everything! This includes spending categories that are usually excluded from earning cashback/miles on other cards like Utilities, Insurance, Hospital and Education.

Cardholders can also get a 22% discount at SPC fuel stations per year. The Registration is required via the AMEX mobile app.

Here’s a quick breakdown of how the SPC discount is calculated:

• 10% instant discount as an SPC&U member
• 5% instant discount for using an AMEX card
• 7.1% statement credit from the amount that was charged to card
• 1.5% statement credit from the amount that was charged to card

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

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💸 Annual fee
S$174.40
(First year waived)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the statement month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: Nil
Annual fee: No annual fee, ever

 Get 0.5% cashback on local spending (uncapped, rare benefit for a debit card)
 Get 0.5% cashback on foreign transactions, up to S$1,500 per calendar month (till 31 Dec 2026)
 No minimum spending
 No foreign transaction fees

Requires adequate funds in Mari Savings account

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Mari Debit Card

Suitesmile rating:

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✍️ Short summary
Mari Debit Card gives you 0.5% cashback, great foreign exchange rates with no foreign transaction fees and it does not come with an annual fee.

Cardholders can receive 0.5% cashback on any currency spending; uncapped for SGD transactions, up to S$1,500 per calendar month (till 31 Dec 2026) for foreign currency transactions. No minimum spending is required.

This card is best paired with the fuss-free Mari Savings Account which awards daily interests into your account. Unlike most savings accounts from other banks, Mari Savings Account does not have any fall-below fee.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
No income requirement

🤑 Foreign currency fee
No foreign currency fee

📜 Terms & conditions

🎁 Sign-up promoNo sign-up promo at the moment.

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 1.7% cashback on almost everything
 Get 0.3% cashback on commonly-excluded transactions (e.g. Grab wallet tops-ups, utilities, healthcare)
 No minimum spending
 Uncapped earn rates

Low earn rate (spend with better cashback cards)
AMEX cards have lower merchant acceptance than Visa/Mastercard
3.25% foreign transaction fee

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UOB Absolute Cashback Card

Suitesmile rating:

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✍️ Short summary
This card gives you unlimited 1.7% cashback on almost everything.

Earn just 0.3% cashback on certain spending categories like Healthcare, Education, Utilities and GrabPay e-wallet top-ups.

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the following statement month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (waived indefinitely)

 Get uncapped 0.5-1% cashback on foreign transactions, with no minimum spending (till 31 Dec 2027) ^{0.5% cashback in China and Europe (and Australia from 1 Jan 2027), 1% cashback in other countries.}
 No foreign transaction fee

“10% cashback” claim is impossible to achieve
Minimum card spend of S$800 per statement month required for bonus cashback
Get a maximum of 6.4% cashback on two bonus categories (but only if you meet the spending amounts exactly and spend exactly S$300 on other things):1) Local Online & Mobile Contactless (up to S$300)
2) Selected Gym, Telco & Streaming (up to S$200) 0.3% cashback on non-bonus spending
Selected Gym, Telco & Streaming category is MCC-sensitive

📄 Quick review

Mini review of the

UOB EVOL Card

Suitesmile rating:

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This card does not come with any foreign transaction fees and awards the following uncapped cashback on foreign transactions (until 31 Dec 2027):

1. China & Europe (and Australia from 1 Jan 2027): 0.5% cashback
2. Other countries: 1% cashback

Cardholders can also get up to 6.4% cashback on the following categories, when spending at least S$800 on the card in a statement month:

1. Local Online (SGD), Mobile Contactless (Google Pay, Apple Pay)
2. Selected Gym, Telco and Streaming

Although UOB advertises “up to 10% cashback”, the cashback amount is capped at S$30 for the first category (S$300 worth of spending), and S$20 for the second category (S$200 worth of spending). And unfortunately, “other” spending only earns 0.3% cashback.

In other words, after spending S$300 + S$200 on the bonus categories, cardholders will need to spend at least S$300 more to meet the minimum spend of S$800, and earn just 0.3% cashback on that amount. In this best-case scenario where you spend the exact amounts, you’d receive 6.4% cashback.

This card’s key feature is foreign currency spending (no FX fees + uncapped 0.5-1% cashback with no min. spend), and since it’s not connected to the confusing and misleading “10% cashback” benefit, you can (and probably should) safely ignore the latter.

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💸 Annual fee
S$196.20
(waived indefinitely)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
0%

❓When cashback is credited
Cashback amount is credited into the card at the end of the following statement month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$60,000Annual fee: No annual fee, ever

 No foreign transaction fees
 Unlimited fee-free overseas ATM withdrawals

“21% cashback” claim for FairPrice spending is impossible to achieve
Low earn rate of 0.22% (spend with better cashback cards)

📄 Quick review

More information on the

Trust Link Card

Suitesmile rating:

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✍️ Short summary
This card gives you great foreign exchange rates and unlimited fee-free overseas ATM cash withdrawals. Plus, it does not come with an annual fee.

To avoid interest charges on ATM cash withdrawals, follow these easy steps:

1. Optional: Apply for the Trust Link Credit Card if you want the credit card function (use code V1WB7T8A)
2. Apply for a Trust Savings Account through the Trust app (instant approval, no minimum balance, monthly fee or lock-in period)
3. Deposit money into your Savings Account
4. Pair your Trust Link Card with your Savings Account before any ATM withdrawals (withdrawn cash amount will be automatically deducted from your Savings Account)
5. Select Savings Account on the ATM screen (i.e. not Current Account, not Credit Card, not Cash Advance) and complete your withdrawal.

The Trust Link Card comes with other unappealing benefits like 0.22% cashback on general spending and 0.5% cashback on FairPrice Group spending.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
No foreign currency fee

📜 Terms & conditions

🎁 Sign-up promo