Last updated on 13 February 2025
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What are the Best Cards in Singapore for Online Shopping?
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
Citi Rewards | 4 mpd โข Non-travel spending only (i.e. no flight/hotel bookings) โข Up to $1,000 per statement month |
DBS Woman’s World | 4 mpd โข Up to $1,500 per calendar month |
HSBC Revolution | 4 mpd โข Specific merchant categories only โข Poor transfer ratio to KrisFlyer โข Up to $1,000 per calendar month โข No annual fee, ever |
UOB Preferred Platinum | 4 mpd โข Specific merchant categories only โข Up to $1,110 per calendar month |
Citi SMRT | 5% cashback โข Non-travel spending only (i.e. no flight/hotel bookings) โข Min. spend $500 per statement month โข Up to $12,000 per membership year |
HSBC Live+ | 8% cashback โข Till 31 Mar 2025 only โข Specific merchant categories only โข Min. spend $600 per calendar month โข Up to $3,125 per calendar quarter (average $1,042 per month) โข Maintain min. spending monthly, in a calendar quarter |
Maybank Family & Friends | 8% cashback โข Online Shopping category must be pre-selected โข Min. spend $800 per calendar month โข Up to $312.50 per calendar month |
Chocolate Card | No foreign currency fee + 2 mpd โข Up to $1,000 per calendar month โข No annual fee, ever |
Trust Cashback | No foreign currency fee + 1% cashback โข Foreign Currency only โข No annual fee, ever |
OCBC Rewards | 4 mpd โข Specific merchant categories only โข Up to $1,000 per calendar month |
UOB Visa Signature | 4 mpd โข Foreign Currency only โข Min. spend $1,000 per statement month โข Up to $2,000 per statement month |
Mari | 3% cashback โข In Shopee coins, at Shopee only (till 31 Dec 2025) โข No annual fee, ever |
YouTrip | No foreign currency fee โข Foreign Currency only โข No annual fee, ever |
KrisFlyer UOB | 3 mpd โข Spend min. $800 with Singapore Airlines Group per card membership year |
๐ก Click on the + Card Summary buttons below to view the key details of each card.

Citi Rewards
Earn 4 mpd on online spending
๐ Sign-up bonus

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.
Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.
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 transactions “online” (to earn 4 mpd on some cards) and lowers your foreign currency charges.
View our complete review of the Citi Rewards Card.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)
โฐ Points expiry
Every 5 years from card opening date (+3 months grace period)
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!
๐ฏ Transfer ratio
2.5 points = 1 mile
๐งฎ Transfer block
25,000 points (10,000 miles)
๐ฒ Transfer fee
$27.25 per transfer
๐ค Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
โ 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.
๐ Terms & conditions

DBS Woman’s World
Earn 4 mpd on online spending
๐ Sign-up bonus

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.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ 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.)
๐ค Foreign currency fee
3.25%
โฐ Points expiry
1 year from transaction
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer
๐ฏ Transfer ratio
1 point = 2 miles
๐งฎ Transfer block
5,000 points (10,000 miles)
๐ฒTransfer fee
$27.25 per transfer
๐ค Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.
โHow/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.
๐ Terms & conditions

HSBC Revolution
Earn 4 mpd on selected online spending
๐ Sign-up bonus

More information on the
This card gives you a strong earn rate of 4 miles per dollar on selected online spending categories like:
- Online Shopping
- Ride-Hailing
The 4 mpd earn rate can be enjoyed for eligible spendings of up to $1,000 per calendar month (no minimum spend, foreign currency counts).
All non-eligible transactions and spendings beyond $1,000 per calendar month cardholders will only earn 0.4 mpd.
This is a good fuss-free card that offers a great earn rate on online spending, without any annual fee to worry about, and free points conversions.
Having many transfer partners gives you fantastic flexibility. However, this card has a poor transfer ratio to KrisFlyer, a great frequent flyer program for travels to regions like Australia, New Zealand, Mainland China, India and Istanbul.
Not into Miles or travel-hacking? Redeem your points for 2.5% cashback instead, on the aforementioned spending categories.
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.
View our complete review of the HSBC Revolution Card.
๐ธ Annual fee
No annual fee, ever
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โฐ Points expiry
3 years from transaction
(37 months to be exact)
๐ซฑโ๐ซฒ Transfer partners
Asia Miles, Infinity MileageLands, Executive Club and more!
๐ฏ Transfer ratio
2.5 points = 1 mile
๐งฎ Transfer block
25,000 points
(10,000 miles)
๐ฒTransfer fee
Free
๐ค Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.
โHow/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for eligible online spending (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.
๐ Terms & conditions

UOB Preferred Platinum
Earn 4 mpd on Mobile Contactless spending
๐ Sign-up bonus

More information on the
This card gives you a strong earn rate of 4 miles per dollar on online and mobile contactless spending (in foreign currency too!) on key spending categories like dining, groceries, hotels, online shopping, in-person shopping and food delivery, up to $1,110 per calendar month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,110 per calendar month. On top of that, cardholders will not earn any miles/points on SimplyGo transactions (i.e. bus or MRT), even when paid through mobile contactless.
“Mobile contactless” refers to Google Pay, Apply Pay, Samsung Pay and Fitbit Pay. Cardholders will not earn 4 mpd by using the physical card.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โฐ Points expiry
2 years from transaction
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer and Asia Miles
๐ฏ Transfer ratio
1 UNI$ = 2 miles
๐งฎ Transfer block
5,000 UNI$ (10,000 miles)
๐ฒTransfer fee
$25 per transfer
๐ค Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
โHow/When points are credited
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
๐ Terms & conditions

Citi SMRT
Get 5% cashback on online spending, groceries and transportation
๐ Sign-up bonus

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.
๐ธ Annual fee
$196.20
(First 2 years waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โHow cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. $10).
๐ Terms & conditions

HSBC Live+
Get up to 8% cashback on Dining and Shopping
๐ Sign-up bonus

More information on the
This card gives you a strong 8% cashback on Dining, Shopping and Entertainment when spending at least $600 per calendar month, for 3 consecutive months in a calendar quarter.
This cashback amount is capped at $250 per quarter โ equivalent to $3,125 in spending per quarter, or $1,042 per month.
Take note that the 8% cashback amount will drop to 5% from 1 Apr 2025.
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.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โHow/When cashback is credited
Bonus cashback amount is credited into the card within 2 months, after the end of each calendar quarter.
๐ Terms & conditions

Maybank Family & Friends
Get 8% cashback on chosen categories
๐ Sign-up bonus

More information on the
This card gives you a strong 8% cashback on chosen spending categories, if you spend at least $800 (in SGD or foreign currency) on the card in a calendar month. Cashback is capped at $25 per category ($312.50 worth of spending) and $150 in total ($1,875 worth of spending).
Cardholders can choose 5 bonus categories (via Maybank’s TREATS SG app) from a list of 10:
- Groceries (default)
- Transport (default)
- Dining & Food Delivery (default)
- Retail & Pets (default)
- Data Communication & Online TV Streaming (default)
- Online Shopping
- Entertainment
- Pharmacy
- Sports & Sports Apparels
- Beauty & Wellness
Additional Bonus Category
Cardholders can also earn an additional 8% cashback on eligible purchases made in Malaysian Ringgit or Indonesian Rupiah, but not if they fall under the cardholderโs default/selected spending categories. If a transaction overlaps with these categories and exceeds the limit of S$312.50 per month, only the amount spent beyond that limit will qualify for the bonus. Cashback earned in this category is also capped at $25 per calendar month.
Pro tip: Can’t meet the $800 monthly spending requirement? You can purchase supermarket vouchers in store to make up the difference. These voucher purchases will be eligible for 8% cashback and can be used for grocery shopping in future.
Get just 0.3% cashback for other spending categories.
๐ธ Annual fee
$196.20
(First 3 years waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โWhen cashback is credited
Cashback amount is credited into the card at the end of the statement month.
๐ Terms & conditions

Chocolate Card
Earn 2 mpd on almost everything, no FX fees
๐ Sign-up bonusNo sign-up bonus for the Chocolate Card at the moment, but get up to 250 miles when you sign up for a HeyMax account using the link below.

More information on the
In collaboration with HeyMax, this card gives you an earn rate of 2 miles per dollar on almost everything, up to $1,000 per calendar month. Cardholders also enjoy great foreign exchange rates and no foreign currency fees. Transactions beyond $1,000 per month earn 0.4 mpd.
As a Debit card, it has no income requirement, making it perfect for students (above 18 yrs) and retirees who are looking to accumulate miles. This card also does not have an annual fee.
This is a great card for all foreign currency spending, as well as transactions that are commonly-excluded from earning miles/cashback on other cards. This includes:
- AXS bill payments (except credit card bills)
- Insurance
- Hospitals
- Utilities
- Public Transport
- School Fees
Link to HeyMax: To earn miles on the Chocolate Card, you need to sign up for a free HeyMax account and link your card to your HeyMax account (in the HeyMax app or website).
Limitations of the Chocolate Card: As this is a Debit card, all spending on the card will be deducted directly from your Chocolate Account balance. Yes, you need to have sufficient money in your account before spending on the card. There are transaction limits of S$5k per transaction, S$20k per day. The Chocolate Card is protected by Visaโs Zero Liability Policy, which guarantees that you wonโt be held responsible for unauthorized charges made with your card or card details. For better peace of mind, you may freeze the Chocolate Card in the app when not using.
Having no annual fee, no income requirement, no foreign currency fee, no transfer fee and miles that never expire makes this a great card for miles chasers in Singapore; but only those who are aware of the benefits of Frequent Flyer Programs other than KrisFlyer.
Due to the low earn rate, this is not a good card for SGD spending on common categories like dining, groceries, online shopping, food delivery etc.
Read our detailed article on the Chocolate Card.
๐ธ Annual fee
No annual fee, ever
๐ผ Income requirement
No income requirement
๐ค Foreign currency fee
No foreign currency fee
โฐ Miles expiry
Max miles don’t expire
๐ซฑโ๐ซฒ Transfer partners
Executive Club, Aeroplan, Accor, Hyatt and more!
(Note: Max miles cannot be transferred to KrisFlyer)
๐ฏ Transfer ratio
1 Max mile = 1 mile/point
๐งฎ Transfer block
1,000 miles or 10,000 miles
๐ฒTransfer fee
Free
โHow/When miles are credited
Miles are credited immediately when the transaction is posted.
๐ Chocolate Card FAQs

Trust Cashback
No FX fees, 1% cashback and free overseas ATM cash withdrawals
๐ Sign-up bonusUse code V1WB7T8A during the application to get a scratch card worth up to $1,000.
A one-time spend (any amount) is required. Pro Tip: Adding this card to your Grab app would trigger as first spend, due to the verification hold.

More information on the
This card gives you unlimited 1% cashback, great foreign exchange rates and no foreign currency fees; and it does not come with an annual fee!
The existence of this card also means that the opportunity cost of using Miles cards for foreign currency spending is now over 4%, as those cards come with around 3.25% in FX fees, and no 1% cashback.
To avoid interest charges on overseas ATM cash withdrawals, follow these easy steps:
- Apply for the Trust card with code V1WB7T8A
- Apply for a Trust Savings Account through the Trust app (instant approval). There is no minimum balance, monthly fee or lock-in period to worry about!
- Deposit enough money into your Trust Savings Account
- When withdrawing cash from an overseas ATM, be sure to select Savings Account on the ATM screen (i.e. not Current, not Credit Card), and of course, never let the ATM do any currency conversion for you, as the markups are insane
The card also has a highly-complicated and misleading benefit, claiming to offer “up to 15% cashback” on your chosen spending category:
- Dining (e.g. restaurants, bakeries, food deliveries)
- Shopping (e.g. department, clothing, watch stores)
- Travel (e.g. airlines, hotels, travel agencies)
- Wellness (e.g. beauty shops, spas, gyms, pharmacies)
- Transport (e.g. ride-hailing, car rental, petrol)
- Entertainment (e.g. bars, movies, streaming services)
Why misleading? The cashback cap is a lot lower than the minimum spending requirement. Examples here.
To summarize the cashback mechanics:
To receive โ15% cashbackโ on the chosen category, one would need to spend at least $2,000 per month, for 3 consecutive months in a quarter (total of at least $6,000). The cardholder would then be credited with $250 in cashback; that is, IF he/she had spent an average of at least $555 per month, on the chosen category.
This also means that, to unlock the โ15% cashbackโ on $555 worth of spending, one would need to spend $1,445 per month on other things, and only earn 1% cashback on them. So, thereโs a huge opportunity cost of not using other superior cards on this amount.
Essentially, this card gives you an effective cashback amount of around 4 to 4.9% on your preferred category, when spending $1,000 or $2,000 per month, for 3 consecutive months in a quarter, far lower than the advertised amount.
Cardholders can choose their preferred bonus category in the Trust mobile app.
๐ธ Annual fee
No annual fee, ever
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
No foreign currency fee
๐ Terms & conditions

OCBC Rewards
Earn 4 mpd on selected online & offline shopping
๐ Sign-up bonus

More information on the
This card gives you a strong earn rate of 4 miles per dollar at specific online/offline shopping merchants (e.g. clothing/shoes, toys, duty free, luggage etc.), up to $1,000 per calendar month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.
However, 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.
๐ธ Annual fee
$196.20
(First 2 years waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)
โฐ Points expiry
2 years from transaction
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer, Flying Blue
๐ฏ Transfer ratio
2.5 OCBC$ = 1 mile
๐งฎ Transfer block
25,000 OCBC$ (10,000 miles)
๐ฒTransfer fee
$25 per transfer
๐ค Points pooling
OCBC$ from this card cannot be combined with those from other OCBC cards.
โHow/When points are credited
Earn 5 base point per $5 dollar 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.
๐ Terms & conditions

UOB Visa Signature
Earn 4 mpd on foreign currency and/or contactless spending
๐ Sign-up bonus

More information on the
This card gives you a strong earn rate of 4 miles per dollar on foreign currency (online or offline) and/or contactless spending. This covers most spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing.
A minimum spending of $1,000 per statement month is required, with a $2,000 cap during the same period.
Take note that cardholders will only earn 0.4 mpd on other categories and spending below $1,000 and above $2,000 per statement month.
๐ธ Annual fee
$218
(First year waived)
๐ผ Income requirement
$50,000/year
๐ค Foreign currency fee
3.25%
โฐ Points expiry
2 years from transaction
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer and Asia Miles
๐ฏ Transfer ratio
1 UNI$ = 2 miles
๐งฎ Transfer block
5,000 UNI$ (10,000 miles)
๐ฒTransfer fee
$25 per transfer
๐ค Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
โHow/When points are credited
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
๐ Terms & conditions

Mari
Unlimited 3% cashback at Shopee, 1.7% on almost everything
๐ Sign-up bonusGet $30 cashback after spending at least $300 within 30 days from card approval date. Use code 6JAC91WK if signing up for the Mari Savings Account.

More information on the
This card gives you unlimited 3% in Shopee coins when spending at Shopee (until 31 Dec 2025), and unlimited 1.7% cashback on almost everything.
Cardholders can also get unlimited 3% cashback on foreign currency spending (until 31 Dec 2025), but with a 3% FX fee, you’d only be breaking even.
If you are looking for a cashback card with no minimum spending, no limits and no annual fee, there really is no better alternative.
๐ธ Annual fee
No annual fee, ever
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3%
โHow/When cashback is credited
Cashback amount is credited into the card immediately when the transactions post.
๐ Terms & conditions

YouTrip
Get great foreign exchange rates and free overseas ATM cash withdrawals
๐ Sign-up bonusGet $5 credited to your wallet, after your first top up.

More information on the
YouTrip is a Debit Card and your spending limit is tied to the amount of money that you have in your YouTrip wallet.
Top-up your YouTrip wallet and withdraw cash from overseas ATMs for free, up to S$400 per calendar month. The exchange rates are usually better than what money changers are offering!
Take note that you will be charged a 2% fee for overseas cash withdrawals, upon exceeding the S$400 monthly limit.
YouTrip top-ups that are made via PayNow or a linked bank account can be transferred back to you own bank account.
Wallet top-ups made with Visa credit cards will incur a 1.5% fee.
๐ธ Annual fee
No annual fee, ever
๐ผ Income requirement
No income requirement
๐ค Foreign currency fee
No foreign currency fee
๐ Terms & conditions

KrisFlyer UOB
Earn 3 mpd on dining, online shopping and selected travel spending
๐ Sign-up bonus

More information on the
This card gives you an uncapped 3 mpd earn rate on Singapore Airlines, Scoot, KrisShop and Kris+, as well as travel spending made on selected websites like airbnb.com, booking.com and expedia.com.
Cardholders can also receive the same uncapped 3 mpd earn rate (1.2 base + 1.8 bonus) on everyday spending categories like dining, online shopping, online food delivery, ride-hailing and public transport, when they spend at least S$800 on Singapore Airlines, Scoot or KrisShop collectively in a card membership year.
All other transactions earn 1.2 mpd, including foreign currency spending (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 (1.8 mpd) are only credited within 2 months, at 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.
๐ธ Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โฐ Miles expiry
3 years from the time they are credited into KrisFlyer account.
๐ซฑโ๐ซฒ Transfer partner
KrisFlyer only
๐งฎ Transfer block
N/A
๐ฒ Transfer fee
No transfer fee
๐ค Miles/Points pooling
Miles earned from this card cannot be combined with those from other UOB cards and can only be transferred out separately.
โ How/When miles are credited
Earn 6 base miles per $5 dollar spent, plus 9 bonus miles for eligible transactions (equivalent to 3 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).
๐ Terms & conditions