Best Credit Cards for Online Shopping (Miles vs Cashback)

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)

 Earn 4 mpd on online spending, selected in-person shopping and in-person overseas spending (via Amaze ^{For in-person overseas spending, the trick is to link the Citi Rewards Card to Amaze, then use the Amaze Card to spend. Such transactions will be seen as 'online' by Citibank, earning you the bonus earn rate.}), up to S$1,000 per statement month
 No minimum spending
 5-year miles expiry cycle ^{Miles/Points expire in 5-year cycles (plus 3 months grace period) from your card approval date. As such, points earned near the end of a cycle will have a shorter expiry term.}
 9 useful miles transfer partners

0.4 mpd earn rate on non-bonus spending
Travel-related spending (e.g. flights, hotels) excluded from bonus earn rate
In-person shopping bonus earn rate (without Amaze linkage) is MCC-sensitive
3.25% foreign transaction fee (save ~1% via Amaze)
Amaze linkage for SGD spending comes with a 1% 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$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: No annual fee, ever

 Earn 4 mpd on selected contactless and online spending, up to S$1,000 per calendar month ^{Earn 4 mpd on contactless and online transactions, on a wide range of spending categories like retail shopping (online and in-person), dining, flights (direct with airlines only), hotels (excl. online travel agencies like Agoda, Trip.com etc.), food delivery and ride-hailing.}
 Boost bonus earn rate to 8 mpd (up to S$1,200 per calendar month) with a minimum deposit of S$50,000 ^{HSBC customers with a minimum deposit of S$50,000 in the HSBC Everyday Global Account can enjoy an earn rate of 8 mpd (instead of 4 mpd) on selected contactless and online spending.}
 No minimum spending
 3-year miles expiry term
 7 useful miles transfer partners
 Free miles transfers to frequent flyer programs
 Instant miles transfers
 No annual fee, ever

0.4 mpd earn rate on non-bonus spending
Poor transfer ratio to KrisFlyer ^{Due to inferior transfer ratio, if/when the points earned on this card are converted to KrisFlyer miles, the bonus earn rate would effectively be 3.3 mpd, instead of 4 mpd.}
Bonus categories are MCC-sensitive
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$80,000 (not strict)
Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on online spending, up to S$1,000 per calendar month
 No minimum spending

0.4 mpd earn rate on non-bonus spending
1-year miles expiry term
Only 3 useful miles transfer partners
3.25% foreign transaction fee

📄 Quick review

More information on the

DBS Woman’s World Card

Suitesmile rating:

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✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending, up to S$1,000 per calendar month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, flights, hotels, food delivery and ride-hailing.

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire.

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

💼 Income requirement
S$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above S$80k, before uploading your actual proof of income that is under S$80k.)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
1 year from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 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 points are credited
Earn 1 base point per S$5 spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle 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$40,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on two bonus categories, up to S$600 per calendar month each (total S$1,200):1) Mobile Contactless (e.g. Google Pay, Apple Pay)
2) Online Spending (selected MCCs only) No minimum spending

0.4 mpd earn rate on non-bonus spending
Online Spending category is MCC-sensitive
S$5 earning block ^{Transactions under S$5 earn zero miles.}
2-year miles expiry term
Only 2 useful miles transfer partners
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$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$87.20 (first 2 years waived; request waiver every year)

 Earn 4 mpd on five bonus categories, up to S$1,000 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 earn rate
0.4 mpd earn rate on non-bonus spending
1-year miles expiry term (no expiry with Maybank’s Rewards Infinite Programme)
Only 3 useful miles transfer partners
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$45,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Earn 4 mpd on shopping (online and in-person), up to S$1,000 per calendar month
 No minimum spending

0.4 mpd earn rate on non-bonus spending
S$5 earning block ^{Transactions under S$5 earn zero miles.}
2-year miles expiry term
Only 2 useful miles transfer partners
Bonus category is MCC-sensitive
3.25% foreign transaction fee

📄 Quick review

More information on the

OCBC Rewards Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on online and in-person shopping at places with specific merchant categories (mainly clothing/shoes, toys, duty free, luggage etc.), up to S$1,000 per calendar month, with no minimum spending requirement.

Cardholders will only earn 0.4 mpd on other spending.

At the moment, OCBC only has 2 transfer partners with decent transfer ratios; KrisFlyer and Flying Blue. As flexibility is very important in the Miles Game, I recommend maximizing the limits of other 4 mpd cards first, before using this one.

Not into Miles or travel-hacking? Redeem your points for 2.78% cashback instead, on the aforementioned 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%

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
2.5 OCBC$ = 1 mile

🧮 Transfer block
25,000 OCBC$ (10,000 miles)

💲Transfer fee
S$25 per transfer

🤗 Points pooling
OCBC$ from this card cannot be combined with those from other OCBC cards.

❓How/When points are credited
Earn 5 base point per S$5 spent, plus 45 bonus points for eligible shopping transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are 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.}:
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; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Earn 2.4 mpd on dining, online shopping, food delivery, public transport and selected travel websites (e.g. Airbnb, Expedia)
 Earn 3 mpd on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago
 No minimum spending for SIA group bonus earn rate
 Uncapped earn rates
 Free, automatic miles transfers to KrisFlyer
 Priority check-in, boarding, free seat selection with Scoot ^{Booking must be made via flyscoot.com/KrisFlyerUOB.}

Minimum spend of S$1,000 on SIA group per card membership year required for bonus earn rate (1.2 + 1.2 mpd) on dining, online shopping, food delivery, public transport and selected travel websites
Spending categories for bonus earn rate (2.4 mpd) are MCC-sensitive
Bonus earn rate (+1.2 mpd) credited within 2 months after card membership year <sup>Due to the late crediting, bonus miles earned at the start of your card membership year may take up to 14 months to get credited. It will also be challenging to track your bonus spending (to calculated expected bonus miles) for an entire year.

This may also force you into paying the annual fee for the following year if a waiver request is not granted.</sup>
1.2 mpd earn rate on non-bonus spending
3-year fixed miles expiry term in KrisFlyer
Only 1 miles transfer partner (KrisFlyer)
3.25% foreign transaction fee

📄 Quick review

More information on the

KrisFlyer UOB Card

Suitesmile rating:

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✍️ Short summary
This card gives you an uncapped 3 mpd earn rate on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago.

Cardholders can also receive an uncapped 2.4 mpd earn rate (1.2 base + 1.2 bonus) on everyday spending categories like dining, online shopping, online food delivery, ride-hailing and public transport, as well as travel spending made on selected websites like airbnb.com, booking.com and expedia.com. To receive the 1.2 mpd bonus, cardholders have to spend at least S$1,000 on Singapore Airlines, Scoot, Pelago or KrisShop collectively in a card membership year.

All other transactions earn 1.2 mpd, including foreign currency spending which comes with 3.25% in fees (very poor!).

On top of that, cardholders can also get priority check-in and boarding, free standard seat selection and one-time booking flexibility waiver on Scoot bookings made through flyscoot.com/KrisFlyerUOB.

While this card makes all the right headlines, cardholders should know that bonus miles (1.2 mpd) are only credited within 2 months, after the end of the card membership year. This can be a dealbreaker for many who do not want to wait up to 14 months to receive the bonus miles! The delayed miles crediting can also force you into paying the annual fee (instead of cancelling the card), if a waiver is not granted.

Another obvious point to note is that the miles earned on this card can only be transferred to KrisFlyer, albeit with no transfer fee.

Flexibility is very important in the Miles Game and unfortunately, this card offers very little of that. I recommend maximizing the limits of other 4 mpd cards first, before using this one.

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💸 Annual fee
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments but not worth it; always request waiver)

💼 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%

⏰ Miles expiry
3 years from the time they are credited into KrisFlyer account.

🫱‍🫲 Transfer partner
KrisFlyer only

🧮 Transfer block
N/A

💲 Transfer fee
No transfer fee

🤗 Miles/Points pooling
Miles earned from this card cannot be combined with those from other UOB cards and can only be transferred out separately.

❓ How/When miles are credited
Earn 6 base miles per S$5 dollar spent, plus 6 bonus miles for eligible transactions (equivalent to 2.4 mpd in total). Base miles are credited into your KrisFlyer account at the end of each calendar month; bonus miles up to 2 months after the end of card membership year (up to 14 months).

📜 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

📄 Quick review

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$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

📄 Quick review

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$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
• 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$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 – 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

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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’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)

 Earn 5–10% bonus cash rebates on categories like:1) SPC (no cap) ^{Total 20.1% fuel savings: 5% DBS/POSB card discount + 10% SPC&U Card discount + 6% cash rebate on the final charge amount.}
2) In-store MYR (10%, up to S$206/month) ^{10% cash rebate, cash rebate capped at S$20/month. Note: Dining in Malaysia earns 10% total but draws from both the MYR cap and the dining cap simultaneously, effectively halving the max qualifying spend for MYR dining to ~S$200/month.}
3) Food delivery/Dining (10%/5%, up to S$206–S$400/month) ^{Food delivery (Foodpanda, GrabFood, Deliveroo) and dining share a single S$20/month cash rebate cap. Food delivery earns 10% (up to S$206 spend), dining earns 5% (up to S$400 spend), or somewhere in between if spending across both.}
4) SimplyGo (10%, up to S$206/month) ^{10% cash rebate, cash rebate capped at S$20/month. Excludes top-up transactions.}
5) Online shopping (5%, up to S$400/month) ^{5% cash rebate on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop. Cash rebate capped at S$20/month.}
6) Sheng Siong (5%, up to S$400/month) ^{5% cash rebate, cash rebate capped at S$20/month. Cash rebates credited upfront for physical card payments.}

Minimum card spend of S$800 per calendar month required for bonus cash rebates on in-store MYR, food delivery & dining, SimplyGo and online shopping
0.3% cash rebate on non-bonus spending
Dining bonus category is MCC-sensitive
Online shopping bonus category applies to specific merchants only
3.25% foreign transaction fee

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POSB Everyday Card

Suitesmile rating:

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✍️ Short summary
This card gives you 20.1% fuel savings at SPC (5% DBS/POSB card discount + 10% SPC&U Card discount + 6% cash rebate on the final charge amount), with no minimum spend required.

Other than the straightforward SPC fuel-spending benefit, this is a very difficult card to track and use, to achieve the maximum cashback, due to multiple category caps and minimum spending requirement.

Cardholders with a minimum card spend of S$800 per calendar month can get up to 10% cash rebates on selected categories:

1. Food Delivery & Dining: 10%/5% cash rebate, up to S$206–S$400/month (shared cap)
2. Malaysia In-Store Spending: 10% cash rebate, up to S$206/month
3. Online Shopping (Amazon.sg, Lazada, Shopee, RedMart, Taobao, TikTok Shop): 5% cash rebate, up to S$400/month
4. SimplyGo: 10% cash rebate, up to S$206/month
5. Sheng Siong: 5% cash rebate, up to S$400/month (no minimum spend)
6. Popular: 5% cash rebate, up to S$400/month
7. Pet Lovers Centre: 3% cash rebate, no cap (no minimum spend)

All other spending earn just 0.3% cash rebates.

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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%

📜 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

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 3 useful miles 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)

⏰ Miles expiry
Miles earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer, AirAsia rewards

💯 Transfer ratio
1 point = 2 miles (KrisFlyer, Asia Miles, Qantas)
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$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 2026)
 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 2026) 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 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$60,000Annual fee: No annual fee, ever

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

“15% cashback” headline on chosen category is impossible to achieve
Low earn rate of 1-1.5% cashback on local spending (spend with better cashback cards)
Stockback option drops to 2% locally and 0.5% foreign from 1 Jan 2027