Last updated on 30 September 2024
Pick a category below to view the best cards
What are the Best Cards in Singapore for Online Spending?
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 • Non-travel spending only (i.e. no flight/hotel bookings) • Up to $1,000 per statement month |
| HSBC Revolution | 4 mpd • Up to $1,000 per calendar month • No annual fee, ever |
| DBS Woman’s World | 4 mpd • Up to $1,500 per calendar month |
| UOB Preferred Platinum | 4 mpd • Up to $1,110 per calendar month |
| Mari | 5% cashback • In Shopee coins, at Shopee only • No annual fee, ever |
| Citi SMRT | 5% cashback • Non-travel spending only (i.e. no flight/hotel bookings) • Min. spend $500 per statement month • Up to $12,000 per membership year |
| HSBC Live+ | 8% cashback • Till 31 Dec 2024 only • Specific merchant categories only • Min. spend $600 per calendar month • Up to $3,125 per calendar quarter (average $1,042 per month) • Maintain min. spending monthly, in a calendar quarter |
| Trust Cashback | 1% cashback + no foreign currency fee • Foreign Currency only • No annual fee, ever |
| OCBC Rewards | 4 mpd • Specific merchant categories only • Up to $1,000 per calendar month |
| UOB Visa Signature | 4 mpd • Foreign Currency only • Min. spend $1,000 per statement month • Up to $2,000 per statement month |
| Maybank Family & Friends | 8% cashback • Online Shopping category must be pre-selected • Min. spend $800 per calendar month • Up to $312.50 per calendar month |
| UOB One | 3.33% cashback • Min. spend $500/$1,000/$2,000 per statement month • Up to $500/$1,000/$2,000 per statement month • Maintain spending tier monthly, in a qualifying quarter |
| Trust Link | No foreign currency fee • Foreign Currency only • No annual fee, ever |
| YouTrip | No foreign currency fee • Foreign Currency only • No annual fee, ever |
| KrisFlyer UOB | 3 mpd • Spend min. $800 with Singapore Airlines Group per card membership year |
💡Click on the + Card Summary buttons below to read mini reviews of each card.
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.
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.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)
⏰ Points expiry
Every 5 years from card opening date (+3 months grace period)
🫱🫲 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
$27.25 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.
HSBC Revolution
Earn 4 mpd on selected online spending
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
- Flight Tickets (till 31 Dec 2024)
- 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).
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.
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 (till 31 Jan 2025).
Having many transfer partners gives you fantastic flexibility. For this reason, I recommend using this card over other cards with similar earn rates.
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.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
3 years from transaction
(37 to 38 months to be exact)
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲Transfer fee
Free (till 31 jan 2025)
🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.
❓How/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.
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.
UOB Preferred Platinum
Earn 4 mpd on Mobile Contactless spending
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.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
❓How/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.
Mari
Get 5% Shopee coins at Shopee, unlimited 1.7% cashback on almost everything
🎁 Sign-up bonusNo sign-up bonus at the moment.
More information on the
This card gives you unlimited 5% in Shopee coins when spending at Shopee, and unlimited 1.7% cashback on almost everything.
Cardholders can also get 3% cashback on foreign currency spending, but mind the 3% FX fee.
If you are looking for a cashback card with no minimum spending, no limits and no annual fee, there really is no better alternative.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3%
❓How/When cashback is credited
Cashback amount is credited into the card immediately when the transactions post.
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 Live+
Get up to 8% cashback on Dining and Shopping
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 — equivalent to $3,125 in spending per quarter, or $1,042 per month.
Take note that the 8% bonus cashback amount will drop to 5% from 1 Jan 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.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 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.
Trust Cashback
Get unlimited 1% cashback and no foreign currency fees
🎁 Sign-up bonusUse code V1WB7T8A during the application to get up to $3,000 worth of scratch cards, and a chance to win 1 million Singapore Dollars.
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 card advertises “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)
However, this is quite misleading, as the cashback cap is a lot lower than the minimum spending requirement. Examples here.
To summarize the complicated cashback mechanics:
To receive “15% cashback” on the chosen category, one would need to spend at least $2,000 per month, for 3 consecutive months in a quarter, for a 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 “15% cashback” 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, there’s an opportunity cost of not using other superior cards on this amount.
I would treat it as a card with 2 use cases:
- Earn about 4 or 4.9% in nett cashback on preferred category, when spending $1,000 or $2,000 per month, for 3 consecutive months in a quarter
- Get 1 – 1.5% cashback on foreign currency spending on non-preferred categories, with no foreign currency fees
The existence of this card also means that the opportunity cost of using Miles cards for foreign currency spending is now over 4%.
Cardholders can choose their preferred bonus category in the Trust mobile app.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
No foreign currency fee
OCBC Rewards
Earn 4 mpd or 2.78% cashback on selected online and offline shopping
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 4/6 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.
💸 Annual fee
$196.20
(First 2 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer, Flying Blue
💯 Transfer ratio
2.5 OCBC$ = 1 mile
🧮 Transfer block
25,000 OCBC$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
OCBC$ from this card cannot be combined with those from other OCBC cards.
❓How/When points are credited
Earn 5 base point per $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.
UOB Visa Signature
Earn 4 mpd on foreign currency and/or contactless spending
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.
💸 Annual fee
$218
(First year waived)
💼 Income requirement
$50,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
❓How/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.
Maybank Family & Friends
Get up to 8% cashback on chosen categories
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 cardholder’s 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.
💸 Annual fee
$180
(First 3 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
❓When cashback is credited
Cashback amount is credited into the card at the end of the statement month.
UOB One
Earn up to 3.33% cashback on almost everything
More information on the
Most specialized cashback cards (offering over 1.7% cashback) require cardholders to meet multiple conditions. The conditions to receive up to 3.33% cashback on the UOB One card, in my opinion, are a little less complicated.
Cardholders can earn up to 3.33% cashback on a wide range of spending categories like 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 $50, $100 or $200 at the end of each quarter.
How to receive up to 3.33% cashback:
- Mandatory: Make at least 5 transactions per statement month
- Get $50 cashback when you spend at least $500 per month, for 3 consecutive statement months in a qualifying quarter
- Get $100 cashback when you spend at least $1,000 per month, for 3 consecutive statement months in a qualifying quarter
- Get $200 cashback when you spend at least $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 $500, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. For that reason, cardholders who spend $900/month in that same period would fall under the $500 band, and be rewarded with just $50 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 for spendings at selected merchants like Cold Storage, Giant, Grab and Shopee.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 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.
Trust Link
Get great rates and unlimited free overseas ATM cash withdrawals
🎁 Sign-up bonusUse code V1WB7T8A during the application to get a scratch card worth up to $1,000.
More information on the
This card gives you great foreign exchange rates and unlimited free overseas ATM cash withdrawals with no cap; and it does not come with an annual fee!
To avoid interest charges on 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 money into your Savings Account
- Pair your Trust card with your Savings Account before any ATM withdrawals. Withdrawn cash amount will be automatically deducted from your Savings Account
As an added benefit, money in the Trust Savings Account earns 1.5% interest p.a. (up to S$125,000) with no strings attached! Account holders can earn a further 0.5% if they make at least 5 transactions on the card each month.
The Trust card comes with other unappealing benefits like 0.22% cashback on general spending and 0.5% cashback on FairPrice Group spending.
Because of the poor earn rates, I recommend using this card only for overseas ATM withdrawals.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
No foreign currency fee
YouTrip
Get great foreign exchange rates and free overseas ATM cash withdrawals
🎁 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.
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee
KrisFlyer UOB
Earn 3 mpd on dining, online shopping and selected travel spending
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.
💸 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%
⏰ 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 $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).