Last updated on 1 April 2024
Pick a category below to view the best cards
What are the Best Cards in Singapore for Hospital and Polyclinic Bills?
Additional notes:
- All Citi cards: Polyclinics only
- Amaze + Citi Rewards: 1% fee applies. Link your Citi Rewards card to Amaze and use your Amaze card to pay
- Citi Rewards, DBS Woman’s World, Citi SMRT, HSBC Advance: Pay via HealthHub app only
1) Earn rates (miles/cashback)
2) Ease of use (spending/income requirements)
3) Miles/Points flexibility (total transfer partners)
4) Miles/Points expiry term
5) Annual fee
6) Other additional benefits
💡Click on the + Card Summary buttons below to instantly view the key details of each card!
Amaze
Turn offline transactions online and minimize foreign transaction fees
🎁 Sign-up bonusGet 225 InstaPoints (worth $2.25) when you sign up as a new cardholder.
More information on the
Amaze is an innovative Debit Card that does not require topping up of an e-wallet to reap great benefits. In fact, this card actually makes some credit cards better!
By linking a credit card to Amaze, cardholders can save about 1.5% in foreign currency fees, after considering the InstaPoints that can be earned (see below).
Key points to note about the card:
- Link up to 5 Mastercards in the Instarem mobile app
- Choose 1 of those cards before your next Amaze transaction
- All Amaze transactions will be charged in SGD, directly to the linked card
- All Amaze transactions will be seen as online transactions by the linked card
- All Amaze transactions will retain the actual Merchant Category Code (MCC) and will be seen by the linked card
- Get 0.5 InstaPoint per SGD (equivalent to 0.5% cashback) on foreign currency spending (min. S$10, max. S$1,000 per transaction)
- DBS/POSB cards do not award miles/points for Amaze transactions
- Avoid Dynamic Currency Conversion (DCC) fees (if any)
- From 1 Apr 2024, when Amaze is linked to a card, all SGD spending in excess of S$1,000 per month will incur a 1% fee.
Pro tip: Link the Citi Rewards card to this card and use it to earn 4 miles per dollar on general spending categories like dining, groceries and online/offline shopping (except flights/hotels). This pairing turns all your offline transactions “online” (to earn 4 mpd) and lowers your foreign currency charges!
🔗 Great cards that can be linked to Amaze
Citi PremierMiles (1.2 mpd)
HSBC TravelOne (1.2 mpd)
Citi Prestige (1.3 mpd)
Citi Rewards (4 mpd)
OCBC Titanium Rewards (4 mpd)
UOB Lady’s (6 mpd)
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee. However, Amaze’s foreign exchange spread currently stands at around 2% more than spot rates. Cardholders can get 0.5% cashback in the form of InstaPoints when transacting in a foreign currency, for a total FX loss of about 1.5%. This makes the card better than most credit cards that charge over 3% in FX fees.
⏰ Points expiry
1 year from transaction
💯 Conversion ratio
2,000 InstaPoints = $20
❓ How/When points are credited
Get 0.5 InstaPoint per S$1 of foreign currency spending (min. S$10, max S$1,000 per transaction). InstaPoints are credited immediately upon spending.
Citi Rewards
Earn 4 mpd on online spending, except travel-related
More information on the
This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.
Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.
Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).
Pro tip: Link this card to Amaze and use the Amaze card to also earn 4 mpd on general spending categories like online/offline shopping, dining and groceries! This pairing turns all your offline transaction “online” (to earn 4 mpd) and lowers your foreign currency charges!
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
⏰ Points expiry
Every 5 years from card opening date
🫱🫲 Transfer partners
Krisflyer, Asia Miles, Miles&Smiles, Privilege Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$27 per transfer
🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
❓ How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
DBS Woman’s World
Earn 4 mpd on online spending
More information on the
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending (in foreign currency too!) on key spending categories like online shopping, flights, hotels, food delivery and ride-hailing, up to $1,500 per calendar month.
The biggest drawback is that DBS points earned on this card have an expiry term of just 1 year. With a minimum transfer block of 5,000 points (10,000 miles), cardholders often find themselves with expiring “orphan” points of under 5,000, that can only be redeemed for low-value items like mall/dining vouchers.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$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 $80k, before uploading your actual proof of income that is under $80k.)
🤑 Foreign currency fee
3.25%
⏰ Points 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
$27 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 $5 dollar 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.
Citi SMRT
Get 5% cashback on online spending, groceries and transportation
More information on the
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of $500 per statement month.
Cashback is capped at $600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on $12,000 worth of eligible spending, making this card fantastic for large purchases!
Get just 0.3% cashback for all other spending categories.
💸 Annual fee
$196.20
(First 2 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. $10).
HSBC Advance
Get up to 3.5% cashback on almost everything
More information on the
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 at least $2,000 in a calendar month. Monthly cashback amount is capped at $70 ($2,800 worth of spending).
Cardholders can also get an additional 1% cashback (total 3.5%) with HSBC Everyday+ Rewards Programme. To qualify, cardholders will need to credit their salary or deposit at least $2,000 into the bank account and perform at least 5 transactions on the card. Additional 1% cashback is capped at $300 per calendar month.
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.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
❓How/When cashback is credited
Cashback amount is credited into the card at the end of next calendar month.
Citi Cash Back+
Get unlimited 1.6% cashback on almost everything
More information on the
This card gives you unlimited 1.6% cashback on almost everything.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/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. Cashback will only be credited in multiples of $10, when it amounts to at least $50. Any cashback amount earned but not yet credited will be brought forward to the following month.
AMEX True Cashback
Get 21% discount on fuel, 1.5% cashback on almost everything else
More information on the
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 School fees.
Cardholders can also get a 21% 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 by using an AMEX card
- 7.1% 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.
💸 Annual fee
$174.40
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
❓How/When cashback is credited
Cashback amount is credited into the card by the end of the statement month.
Citi Prestige
Unlimited free airport lounge visits for two, 4th night free on hotel bookings
More information on the
This card gives you an uncapped earn rate of 1.3 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.
Having many transfer partners and miles that do not expire gives you fantastic flexibility.
Cardholders are also entitled to unlimited free airport lounge visits (via Priority Pass) for the cardholder +1 guest and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.
💸 Annual fee
$545
(Strictly no waiver. Comes with 62,500 points, equivalent to 25,000 miles)
💼 Income requirement
$120,000/year
(Can’t meet the income requirement? Visit a Citibank branch to apply for a secured card with a $10,000 fixed deposit)
🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
🛋️ Airport lounge access
Unlimited free visits per calendar year for 2 pax via Priority Pass
⏰ Points expiry
Points earned on this card never expires!
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Miles&Smiles, Privilege Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$27 per transfer
🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.
Citi PremierMiles
Earn 1.2 mpd on local spend, 2 mpd on foreign currency
More information on the
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.
This is a great backup card, if you have exhausted all your specialized cards with better earn rates.
Having many transfer partners and miles that do not expire gives you fantastic flexibility. Because of these 2 key factors, I recommend this card more than other general spending cards with slightly higher earn rates.
Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per calendar year! For example, if you apply for the card in March 2023, you will get 2 free visits for the current year, plus 2 more free visits from 1 January the following year.
💸 Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
🛋️ Airport lounge access
2 free visits per calendar year via Priority Pass
⏰ Points expiry
Miles earned on this card do not expire!
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Miles&Smiles, Privilege Club and more!
💯 Transfer ratio
1 Citi mile = 1 mile
🧮 Transfer block
10,000 miles
💲 Transfer fee
$27 per transfer
🤗 Points/Miles pooling
Miles from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.
Standard Chartered Journey
Earn 3 mpd on dining, groceries and ride-hailing
More information on the
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to $1,000 per statement month.
For other spending categories, this card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.
Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per card membership year.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.5%
⏰ Points expiry
Points earned on this card never expires!
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$27 per transfer
🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.
❓ When points are credited
Base points are credited immediately when the transaction is posted.