Best Miles & Cashback Cards for General Spending in Singapore (Mar 2025)

Last updated on 19 February 2025

Pick a category below to view the best cards

What are the Best Cards in Singapore for General Spending in SGD?

Have you maxed out the spending limits on other specialized 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. Click here to 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) 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

DCS Ultimate	2% cashback ^{• Up to $10,000 per calendar month}
Mari	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 $2,000, up to $2,800 per calendar month}
Citi PremierMiles	1.2 mpd
HSBC TravelOne	1.2 mpd
Citi Prestige	1.3 mpd ^{• $545 annual fee (no waiver) • $120k annual income requirement}
DBS Altitude	1.3 mpd
UOB PRVI Miles	1.4 mpd
DBS Vantage	1.5 mpd ^{• $599.50 annual fee (no waiver) • $120k annual income requirement}