Best General Spending Credit Cards In Singapore (Miles Vs Cashback)

Last updated on 2 October 2025

Pick a category below to view the best cards

Best General Spending Credit Cards in Singapore (Miles vs Cashback)

Best General Spending Credit Cards in Singapore 2025

Have you maxed out the spending limits on specialized Miles and Cashback cards? These are your last-resort options to receive lower, but uncapped (or high-capped) earn rates on almost everything.

❗ Note: This page only lists down the best cards for spending in Singapore Dollars. View the best cards for Foreign Currency spending, which is a different ball game altogether due to hefty credit card FX fees.

How are these cards chosen and ranked?

These cards are picked and ranked based on how they compare against other cards, based on these key factors:

1) Earn rates (miles/cashback)
2) Accessibility (min. income/age requirements)
3) Ease of use (min. spending, conditions to receive max. miles/cashback)
4) Miles/Points flexibility (expiry term, transfer partners)
5) Annual fee
6) Other additional benefits

DCS Ultimate	2% cashback • Up to S$10,000 per calendar month
Mari Credit	1.7% cashback • No annual fee, ever
UOB Absolute	1.7% cashback
Maybank FC Barcelona	1.6% cashback
HSBC Advance	1.5% cashback +1% when min. spend S$2,000, up to S$2,800 per calendar month
Citi PremierMiles	1.2 miles per dollar
HSBC TravelOne	1.2 miles per dollar
Citi Prestige	1.3 miles per dollar • S$651.82 annual fee (no waiver) • S$120k annual income requirement
DBS Altitude	1.3 miles per dollar
UOB PRVI Miles	1.4 miles per dollar
DBS Vantage	1.5 miles per dollar • S$599.50 annual fee (no waiver) • S$120k annual income requirement