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Best Cashback Credit Cards in Singapore 2024

Maximise your spending power and enjoy attractive rewards with our comprehensive guide. Explore features, benefits, and top recommendations to find the perfect card for your lifestyle. Unlock savings and rewards as we delve into the realm of cashback credit cards in Singapore.

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Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

Cashback Local
1.5  %
Cashback Overseas
1.5  %
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 March 2024

Best Deal Guarantee
Nintendo Switch OLED (worth S$549)
Nintendo Switch OLED (worth S$549)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Up to S$420
Up to S$420

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

Installment

CIMB Visa Signature Card

CIMB Visa Signature Card

Cashback Local
10  %
info
Cashback Overseas
0.2  %
info
Monthly Spend Required
S$ 800
Annual Fee
No Annual Fee
info

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)

Valid until

31 March 2024

Best Deal Guarantee
S$280 cash via PayNow
S$280 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

Online shopping rebate

check

Supermarket rebate

check

Annual Fee waiver

remove

Rebate cap applied

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Cashback Local
6  %
Cashback Overseas
0.5  %
info
Monthly Spend Required
None
Annual Fee
No Annual Fee
info

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Dyson AM07 Tower Fan (worth S$459)
Dyson AM07 Tower Fan (worth S$459)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
Up to S$340
Up to S$340

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

Public transportation

check

Installment

check

No Annual Fee

CIMB World Mastercard

CIMB World Mastercard

Cashback Local
2  %
info
Cashback Overseas
1  %
info
Monthly Spend Required
S$ 1,000  per month
info
Annual Fee
No Annual Fee

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)

Valid until

31 March 2024

Best Deal Guarantee
S$280 cash via PayNow
S$280 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

Food delivery

check

Annual Fee waiver

remove

Monthly spend required

Citi Cash Back+ Card

Citi Cash Back+ Card

Cashback Local
1.6  %
Cashback Overseas
1.6  %
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Dyson V8 Slim Fluffy (worth S$509)
Dyson V8 Slim Fluffy (worth S$509)

Valid until

31 March 2024

Best Deal Guarantee
S$400 eCapitaVoucher
S$400 eCapitaVoucher

Valid until

31 March 2024

Best Deal Guarantee
S$300 cash via PayNow
S$300 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Annual Fee waiver

check

High-value gift

CIMB Visa Infinite Card

CIMB Visa Infinite Card

Cashback Local
Unlimited 2  %
Cashback Overseas
Unlimited 2  %
info
Monthly Spend Required
S$ 2,000
Annual Fee
No Annual Fee

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Apple AirPods Pro 2nd Gen (worth S$365.70)
Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

31 March 2024

Best Deal Guarantee
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)
+PLUS Chelsea Check-In 60/25 Luggage (worth S$449)

Valid until

31 March 2024

Best Deal Guarantee
S$280 cash via PayNow
S$280 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

Airport lounge

check

Travel insurance

check

Annual Fee waiver

UOB One Card

UOB One Card

Cashback Local
10  %
info
Cashback Overseas
0.03  %
info
Monthly Spend Required
S$ 2,000
info
Annual Fee
S$ 196.2
info

2 Offers Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

Welcome Offer
15% cashback
15% cashback

Valid until

31 March 2024

Things to consider for this product:

check

Supermarket rebate

check

Grab/taxi rebate

remove

Monthly spend required

remove

Rebate cap applied

Citi Cash Back Card

Citi Cash Back Card

Cashback Local
8  %
info
Cashback Overseas
6  %
info
Monthly Spend Required
S$ 800  per month
info
Annual Fee
S$ 196.2
info

2 Offers Available

March Madness Grand Lucky Draw
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
3x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

Valid until

31 March 2024

Best Deal Guarantee
Apple iPad 9th Gen 10.2
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

31 March 2024

Best Deal Guarantee
Dyson V8 Slim Fluffy (worth S$509)
Dyson V8 Slim Fluffy (worth S$509)

Valid until

31 March 2024

Best Deal Guarantee
S$400 eCapitaVoucher
S$400 eCapitaVoucher

Valid until

31 March 2024

Best Deal Guarantee
S$300 cash via PayNow
S$300 cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

Cashback Local
5  %
Cashback Overseas
5  %
Monthly Spend Required
S$ 600  per month
info
Annual Fee
S$ 196.2
info

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

Petrol rebate

remove

Rebate cap applied

HSBC Advance Credit Card

HSBC Advance Credit Card

Cashback Local
2.5  %
info
Cashback Overseas
2.5  %
info
Monthly Spend Required
S$ 0
info
Annual Fee
S$ 196.2
info

2 Offers Available

March Madness Grand Lucky Draw
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
2x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
Dyson Supersonic™ hair dryer (worth S$699)
Dyson Supersonic™ hair dryer (worth S$699)

+ 3 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No monthly spend required

check

Travel insurance

check

Annual Fee waiver

remove

Rebate cap applied

American Express True Cashback Card

American Express True Cashback Card

Cashback Local
1.5  %
info
Cashback Overseas
1.5  %
info
Monthly Spend Required
None
Annual Fee
S$ 174.4
info

2 Offers Available

March Madness Grand Lucky Draw
1x chance to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)
1x chance to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144)

Valid until

31 March 2024

Best Deal Guarantee
S$150 Cash via PayNow
S$150 Cash via PayNow

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Travel insurance

remove

Annual Fee required

DBS yuu Visa Card

DBS yuu Visa Card

Cashback Local
Up to 18  %
info
Cashback Overseas
0.5  %
info
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
S$388 cashback
S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS yuu American Express Card

DBS yuu American Express Card

Cashback Local
Up to 18  %
info
Cashback Overseas
0.5  %
info
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

2 Offers Available

Welcome Offer
S$388 cashback
S$388 cashback

Valid until

31 May 2024

Welcome Offer
S$60 cashback
S$60 cashback

Valid until

31 May 2024

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS Live Fresh Student Card

DBS Live Fresh Student Card

Cashback Local
Up to 10  %
info
Cashback Overseas
0.3  %
info
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Mobile contactless rebate

check

Local spending rebate

check

No income required

remove

Rebate cap applied

DBS Live Fresh Card

DBS Live Fresh Card

Cashback Local
Up to 6  %
info
Cashback Overseas
Up to 6  %
info
Monthly Spend Required
S$ 800  per month
info
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
S$388 cashback
S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

check

Online Rebate

check

Shopping

check

Public transportation

remove

Rebate cap applied

remove

Monthly spend required

POSB Everyday Card

POSB Everyday Card

Cashback Local
Up to 10  %
info
Cashback Overseas
0.3  %
info
Monthly Spend Required
S$ 800  per month
info
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
S$388 cashback
S$388 cashback

Valid until

31 May 2024

Things to consider for this product:

check

Food delivery

check

Online shopping rebate

remove

Rebate cap applied

remove

Monthly spend required

UOB EVOL Card

UOB EVOL Card

Cashback Local
8  %
info
Cashback Overseas
0.3  %
info
Monthly Spend Required
S$ 600  per month
info
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

remove

Monthly spend required

remove

Rebate cap applied

DCS CASHBACK Card

DCS CASHBACK Card

Cashback Local
5  %
info
Cashback Overseas
5  %
info
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Travel insurance

check

Airport lounge

remove

Monthly spend required

remove

Rebate cap applied

DCS Sheng Siong Card

DCS Sheng Siong Card

Cashback Local
5  %
info
Cashback Overseas
5  %
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Supermarket rebate

check

Travel insurance

check

Installment

check

No expiry air miles

DCS DON DON DONKI Card

DCS DON DON DONKI Card

Cashback Local
5  %
info
Cashback Overseas
5  %
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Supermarket rebate

check

Travel insurance

check

Installment

check

No expiry air miles

Maybank DUO Platinum MasterCard

Maybank DUO Platinum MasterCard

Cashback Local
5  %
info
Cashback Overseas
1.5  %
info
Monthly Spend Required
None
Annual Fee
S$ 130.8
info

Things to consider for this product:

check

Petrol rebate

check

Overseas rebate

check

Travel insurance

check

Annual Fee waiver

Maybank Platinum Visa Card

Maybank Platinum Visa Card

Cashback Local
Up to 3.33  %
info
Cashback Overseas
Up to 3.33  %
info
Monthly Spend Required
S$ 300
info
Annual Fee
S$ 21.8
info

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

check

Annual Fee waiver

remove

Rebate cap applied

DBS SAFRA Card

DBS SAFRA Card

Cashback Local
3  %
info
Cashback Overseas
0.3  %
info
Monthly Spend Required
S$ 500
info
Annual Fee
Not applicable

Things to consider for this product:

check

Mobile contactless rebate

check

Online shopping rebate

remove

Monthly spend required

remove

Rebate cap applied

Maybank Manchester United Platinum Visa Credit Card

Maybank Manchester United Platinum Visa Credit Card

Cashback Local
Up to 3  %
info
Cashback Overseas
Up to 3  %
info
Monthly Spend Required
None
Annual Fee
S$ 87.2
info

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Travel insurance

UOB UnionPay Platinum Card

UOB UnionPay Platinum Card

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

Petrol savings

remove

Rebate cap applied

DBS Vantage Visa Infinite Card

DBS Vantage Visa Infinite Card

Cashback Local
1.5  %
info
Cashback Overseas
2.2  %
info
Monthly Spend Required
S$ 2,000  per month
info
Annual Fee
S$ 599.5
info

Offer Available

Welcome Offer
Up to 85,000 miles
Up to 85,000 miles

Valid until

31 May 2024

Things to consider for this product:

check

Bonus air miles

check

Local spending rebate

check

Overseas rebate

check

Airport lounge

DCS Ultimate Platinum UnionPay Card

DCS Ultimate Platinum UnionPay Card

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Online shopping rebate

check

Travel insurance

check

No monthly spend required

remove

Rebate cap applied

DCS Ultimate Platinum Mastercard

DCS Ultimate Platinum Mastercard

Cashback Local
2  %
info
Cashback Overseas
2  %
info
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Online shopping rebate

check

Travel insurance

check

No monthly spend required

remove

Rebate cap applied

BOC Sheng Siong Card

BOC Sheng Siong Card

Cashback Local
12  %
info
Cashback Overseas
1.6  %
info
Monthly Spend Required
None
Annual Fee
S$ 32.1
info

Things to consider for this product:

check

Supermarket rebate

check

No rebate cap

check

No monthly spend required

remove

Rebate cap applied

ICBC UnionPay Dual Currency Credit Card

ICBC UnionPay Dual Currency Credit Card

Cashback Local
Up to 8  %
info
Cashback Overseas
Up to 8  %
info
Monthly Spend Required
S$ 500
Annual Fee
S$ 30
info

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

remove

Monthly spend required

remove

Rebate cap applied

ICBC Visa Dual Currency Credit Card

ICBC Visa Dual Currency Credit Card

Cashback Local
Up to 8  %
info
Cashback Overseas
Up to 8  %
info
Monthly Spend Required
None
Annual Fee
S$ 30
info

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

remove

Monthly spend required

remove

Rebate cap applied

OCBC 365 Credit Card

OCBC 365 Credit Card

Cashback Local
Up to 6  %
info
Cashback Overseas
0.25  %
Monthly Spend Required
S$ 800  per month
info
Annual Fee
S$ 196.2
info

Things to consider for this product:

check

Petrol rebate

check

Dining rebate

check

Gift: Apple product

remove

Monthly spend required

OCBC NXT Credit Card

OCBC NXT Credit Card

Cashback Local
Up to 1  %
info
Cashback Overseas
Up to 1  %
info
Monthly Spend Required
None
Annual Fee
S$ 163.5
info

Things to consider for this product:

check

Installment

remove

Rebate cap applied

remove

Monthly spend required

remove

Annual Fee required

UOB Absolute Cashback Card

UOB Absolute Cashback Card

Cashback Local
1.7  %
Cashback Overseas
1.7  %
Monthly Spend Required
None
Annual Fee
S$ 196.2
info

Offer Available

Welcome Offer
S$350 cash credit
S$350 cash credit

Valid until

31 March 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

BOC Visa Infinite Card

BOC Visa Infinite Card

Cashback Local
1.6  %
info
Cashback Overseas
1.8  %
info
Monthly Spend Required
None
Annual Fee
S$ 374.5
info

Things to consider for this product:

check

Local spending rebate

check

No monthly spend required

check

No rebate cap

check

Airport lounge

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card

Cashback Local
1.6  %
info
Cashback Overseas
1.6  %
info
Monthly Spend Required
None
Annual Fee
S$ 130.8
info

Things to consider for this product:

check

Annual Fee waiver

check

No monthly spend required

check

No rebate cap

check

Overseas rebate

American Express CapitaCard

American Express CapitaCard

Cashback Local
0.5  %
info
Cashback Overseas
0.5  %
info
Monthly Spend Required
None
Annual Fee
S$ 174.4
info

Things to consider for this product:

check

Retail rebate

check

Department store rebate

remove

Annual Fee required

remove

Rebate cap applied

BOC Zaobao Credit Card

BOC Zaobao Credit Card

Cashback Local
1.5  %
info
Cashback Overseas
1.5  %
info
Monthly Spend Required
None
Annual Fee
S$ 205.2
info

Things to consider for this product:

check

No rebate cap

check

Local spending rebate

check

Overseas rebate

check

Dining rebate

BOC Family Card

BOC Family Card

Cashback Local
0.3  %
info
Cashback Overseas
0.3  %
info
Monthly Spend Required
S$ 800
Annual Fee
S$ 205.2
info

Things to consider for this product:

check

Dining rebate

check

Public transportation

remove

Monthly spend required

remove

Rebate cap applied

Citi SMRT Card

Citi SMRT Card

Cashback Local
0.3  %
Cashback Overseas
0.3  %
Monthly Spend Required
S$ 500
Annual Fee
S$ 194.4
info

Things to consider for this product:

check

Public transportation

check

Grab/taxi rebate

check

Online shopping rebate

remove

Monthly spend required

Maybank eVibes Card - The Student Card

Maybank eVibes Card - The Student Card

Cashback Local
1  %
Cashback Overseas
1  %
Monthly Spend Required
None
Annual Fee
S$ 21.8
info

Things to consider for this product:

check

Local spending rebate

check

No rebate cap

check

No monthly spend required

check

Student card

Citibank M1 Platinum Visa Card

Citibank M1 Platinum Visa Card

Cashback Local
0.3  %
info
Cashback Overseas
0.3  %
info
Monthly Spend Required
None
Annual Fee
S$ 194.4
info

Things to consider for this product:

check

Retail rebate

check

No expiry air miles

remove

Monthly spend required

remove

Rebate cap applied

DBS World Business Card

DBS World Business Card

Cashback Local
1  %
info
Cashback Overseas
2  %
info
Monthly Spend Required
None
Annual Fee
S$ 410.4
info

Things to consider for this product:

check

Airport lounge

check

Local spending rebate

check

Overseas rebate

remove

Annual Fee required

HSBC Premier MasterCard® Credit Card

HSBC Premier MasterCard® Credit Card

Cashback Local
1  %
Cashback Overseas
1  %
Monthly Spend Required
None
Annual Fee
Free for life

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

remove

Monthly spend required

remove

Rebate cap applied

ICBC Chinese Zodiac Credit Card

ICBC Chinese Zodiac Credit Card

Cashback Local
1.6  %
info
Cashback Overseas
1.6  %
info
Monthly Spend Required
None
Annual Fee
S$ 150
info

Things to consider for this product:

check

Overseas rebate

check

No rebate cap

check

No monthly spend required

check

Local spending rebate

UOB Singtel-UOB Card

UOB Singtel-UOB Card

Cashback Local
1  %
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Cashback Overseas
1  %
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Monthly Spend Required
None
Annual Fee
S$ 196.2
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Voucher redeemable

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Annual Fee waiver

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Rebate cap applied

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Monthly spend required

UOB Regal Business Metal Card

UOB Regal Business Metal Card

Cashback Local
1.5  %
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Cashback Overseas
2  %
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Monthly Spend Required
None
Annual Fee
S$ 686.36
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Airport lounge

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Dining rebate

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Overseas rebate

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Annual Fee required

UOB Metro-UOB Card

UOB Metro-UOB Card

Cashback Local
0.2  %
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Cashback Overseas
0.2  %
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Monthly Spend Required
None
Annual Fee
S$ 196.2
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Retail rebate

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Dining savings

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No monthly spend required

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No rebate cap

UOB Professionals Platinum Card

UOB Professionals Platinum Card

Cashback Local
0.2  %
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Cashback Overseas
0.2  %
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Monthly Spend Required
None
Annual Fee
Free for Life

Things to consider for this product:

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Dining savings

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Petrol savings

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Annual Fee waiver

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Retail rebate

NTUC Link Credit Card by Trust Bank

NTUC Link Credit Card by Trust Bank

Cashback Local
0.22  %
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Cashback Overseas
0.22  %
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Monthly Spend Required
None
Annual Fee
No Annual Fee

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Supermarket rebate

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Petrol rebate

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Annual Fee waiver

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Monthly spend required

Comparison of the Best Cashback Credit Cards in Singapore

Cashback Credit Cards With Minimum Spend and Cashback Cap

The following cashback credit cards require cardholders to spend a specified amount within a certain timeframe to qualify for cashback rewards. They also have a cashback cap that sets a maximum limit on the amount of cashback a cardholder can earn within a specified period, often monthly or annually.

Credit Card Best for/Benefits
Citi_Cashback_Platinum_Mastercard
Citi Cash Back Card
- 8% cashback on Groceries and Petrol
- 6% cashback on Dining
- 0.25% cashback on all other spending
CIMBVisaSignatureCard
CIMB Visa Signature Card
- 10% cashback on Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Vet services, and Cruises
- Unlimited 0.2% cashback for all other spending
Maybank-FamilyFriends_card-1024x697-Mar-21-2022-10-49-35-31-AM
Maybank Family & Friends Card
- 8% cashback on 5 selected categories:
1) Groceries
2) Dining & Food Delivery
3) Transport, Data Communication & Online TV Streaming
4) Retail & Pets
5) Online Fashion
6) Entertainment
7) Pharmacy
8) Sports & Sports 9) Apparels
10) Beauty & Wellness

- 0.25% cashback on all other spending
POSBEverydayCard-2
POSB Everyday Card
No min. spend
 - 5% cash rebate on Sheng Siong Groceries 
- Up to 3% cash rebate on Utilities 
- 20.1% + 2% savings on SPC Fuel and SpeedyCare respectively 
- 3% cash rebate at Pet Lovers Centre with min. S$15 spend
 
Min. S$800 spend
 - 10% cash rebate on Online Food Delivery (foodpanda, Deliveroo)
- 3% cash rebate on Dining 
- 5% cash rebate on Online Shopping (e.g. Lazada, Shopee, Taobao, etc.) 
- 8% cash rebate at POPULAR online and in-stores 
- Extra 2% cash rebate at SPC 
- 3% cash rebate on Telco
uob-evol-1024x644
UOB EVOL Card
- 8% cashback on Online Spend
- 8% cashback on Mobile Contactless Spend
- 0.3% cashback on all other spending
DBS-Live-Fresh-Student-Card-1
DBS Live Fresh Card
- 6% cashback on local and overseas shopping spend and transport spend (including SimplyGo) 
- 0.3% unlimited cashback on all other spending
OCBC-FRANK-Platinum-U1200476-Front(RGB)-2
OCBC FRANK Card
- 8% cashback on Foreign Currency (FCY) Spend 
 - 8% cashback on Online and Mobile Contactless Spend
 - Extra 2% cashback on selected Eco-Friendly Merchants
 - 0.3% cashback on all other spending
OCBC365
OCBC 365 Card
- 5% cashback on Dining and Online Food Delivery
- 6% cashback on Petrol
- 3% cashback on Groceries, Land Transport, Utilities, Streaming Subscriptions, Drugstore and Electric Vehicle Charging
- 0.25% cashback on all other spending
UOB_ONE-4
UOB One Card
- New-to-UOB customers: Up to 15% cashback on public transport, McDonald's, Shopee, Dairy Farm International merchants, Grab, and UOB Travel 
- Up to 22.66% fuel savings at Shell and SPC
 - Existing UOB customers: Up to 10% cashback 
HSBC-Advance-Card-1
HSBC Advance Card
- Up to 2.5% cashback on all spend 
- Up to 3.5% cashback with HSBC Everyday+ Account 
- Up to S$500,000 complimentary Travel Insurance

 

Cashback Credit Cards With No Minimum Spend and No Cashback Cap

The cashback credit cards below have no minimum spend, which means they offer rewards without requiring a specific spending threshold within a given period. Additionally, they do not impose a maximum limit on the amount of cashback a cardholder can earn, providing unlimited cashback potential.

Credit Card Best for/Benefits
CITI_CASHBACK+_MASTER
Citi Cash Back+ Card
- 1.6% unlimited cashback on all spending
2023_AMEX_TRUE_CASHBACK
AMEX True Cashback Card
- 1.5% unlimited cashback on all spending (including education fees, insurance, healthcare, utilities and telco) 
- Enjoy 3% welcome bonus cashback on up to S$5,000 eligible spend within first 6 months of card approval
SCB_SIMPLYCASH-1
Standard Chartered Simply Cash Card
- 1.5% unlimited cashback on all spending
POSBEverydayCard-2
UOB Absolute Cashback Card
- 1.7% unlimited cashback on all spending
- Includes insurance, school fees, wallet top-ups (excludes Grab), healthcare, utilities & telco bills, and rental
uob-evol-1024x644
Maybank FC Barcelona Visa Signature Card
- 1.6% unlimited cashback on all local spending
CIMB-WORLD-MASTERCARD_2019-LR-1024x674
CIMB World Mastercard
- 2% unlimited cashback on Dining & Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, and Luxury Goods 
- 1% unlimited cashback on all other spending 
- 50% off Green Fees at regional golf courses 
- US$32 per pax per visit to LoungeKey airport lounges worldwide
CIMB-VISA-INFINITE_2019-LR-1024x674
CIMB Visa Infinite Card
- 2% unlimited cashback on Travel, Overseas Spend, and Online Spend in Foreign Currencies
 - 1% unlimited cashback on all other spending
 - 3 complimentary Airport Lounge Visits per year and up to 25% off selected Airport Dining worldwide
 - 5% off for Airport Limo Transfer and Meet & Greet Services
 - Up to S$1 million complimentary Travel Insurance

 

How Does A Cashback Credit Card Work?

Earning Cashback

When you use a cashback credit card for eligible purchases, you earn a percentage of the purchase amount as cashback. The percentage can vary depending on the specific credit card and the type of transaction.

Cashback Earn Rate for Categories and Tiers

Cashback credit cards often have different categories or tiers with varying cashback rates. For example, you might earn a higher percentage for purchases in specific categories like groceries, gas, or dining out.

Redemption Options

Generally, cashback credit cards offer instant gratification by crediting your cashback to your credit card each month. However, some cashback cards may offer alternative redemption options, such as direct deposits into a linked bank account, gift cards, or merchandise. The options vary depending on the credit card issuer.

Cashback Terms and Conditions

It's crucial to be aware of the terms and conditions associated with the cashback program. Some cards may restrict the maximum cashback amount, expiration dates for earned rewards, or specific spending thresholds to qualify for higher cashback rates.

Is it Possible to Earn Unlimited Cashback?

"Unlimited cashback" typically refers to a rewards program with no cap on the amount of cashback you can earn. However, it's important to note that the term "unlimited cashback" can be a bit misleading. Most cashback credit cards have certain limitations and terms associated with their rewards programs. Here are some factors to consider:

Cashback Earn Percentage and Categories

Credit cards often have different cashback percentages for various spending categories. While some cards offer a flat-rate cashback on all purchases, others may provide higher rewards for specific categories such as groceries, gas, or dining.

Spending Caps or Thresholds

Some cashback credit cards may impose spending caps or thresholds, limiting the amount of cashback you can earn. For example, a card might offer 3% cashback on the first $5,000 in purchases and then 1% on additional spending. 

When it comes to unlimited cashback, the "unlimited" aspect usually refers to the absence of a cap on the total cashback you can earn rather than an unrestricted percentage on all spending.

Rotating Categories

Certain cashback cards have rotating categories that change periodically. These categories typically offer higher cashback rates for a limited time. However, there may be quarterly or yearly caps on the amount of spending eligible for the elevated cashback rate.

Terms and Conditions

The policies of the credit card issuer play a significant role. It's essential to review the cardholder agreement to understand any restrictions, expiration dates on rewards, or changes to the cashback program.

Additionally, some issuers may have more generous cashback programs than others. It's advisable to compare different credit cards to find one that aligns with your spending habits and preferences.

Cashback Vs Miles: What's The Difference?

Cashback and miles are distinct types of credit card rewards. Cashback rewards are provided in the form of actual cash or statement credits, offering high flexibility as you can use the cash in any way you choose. It is a straightforward system with redemption options, including statement credits, direct deposits, gift cards, or merchandise. 

On the other hand, miles, also known as travel rewards or points, are specific to travel-related expenses. Miles are often tied to a particular airline or travel loyalty program, offering benefits such as priority boarding or travel insurance or rewards such as free flights or ticket upgrades. 

Cashback is versatile and best for those looking for instant gratification. Meanwhile, miles are best used for travel-related redemptions and may come with additional travel perks. Ultimately, the choice between cashback and miles depends on individual preferences, spending habits, and the desired type of rewards.

Top Picks For The Best Cashback Credit Cards for Different Types of Users

Best Cashback Card for Groceries and Petrol

Citi_Cashback_Platinum_MastercardCiti Cash Back Credit Card

If you take your family out for meals and grocery shopping, the Citi Cash Back Card (not the same as the Citi Cash Back+ Card) is a good credit card to have. It gives you a nice 8% cashback for groceries and petrol, and you also get 6% cashback for dining. However, all other spend outside those categories will earn just 0.25% cashback. 

However, keep in mind that you need to spend at least S$800 every month to get cashback. Plus, the cashback cap each month across all categories is S$80. Still, that's a pretty good saving of S$80 every month.

Best Cashback for Everyday Spend

POSB_everyday_card_front_RGB_1920x1080_20190723

POSB Everyday Credit Card

The POSB Everyday Card is great for everyday savings, especially if you shop at Sheng Siong. The card gives cashback on various everyday expenses, like food delivery, groceries, transport, and bills. 

The card has two spending levels: no minimum and S$800 per month. Your cash rebates depend on your spending tier. For instance, spending a minimum of S$800 per month makes you eligible to enjoy up to 10% cash rebates on various categories. But, even if you don't spend S$800 in a month, you still get the highest 5% cash rebate on Sheng Siong groceries, utilities, and petrol at SPC. Cashback caps vary per category, including Daily$30 per calendar month for Sheng Shiong.

Best Cashback Card for High Spenders

CIMBVisaSignatureCardCIMB Visa Signature Credit Card

The CIMB Visa Signature Card offers a high bonus cashback rate, up to 10%, in specific categories like online shopping, groceries, beauty & wellness, pet shops & veterinary services, and cruises. It offers a decent S$100 cap on bonus cashback earned per month, S$20 per category.

Like many credit cards, the CIMB card has a minimum monthly spend of S$800. However, it does offer unlimited 0.2% cashback on all spend with no minimum spend or cap. Plus, this card also has no annual fees and offers free supplementary cards for life.

Best Cashback Card for Online Shopping

image_url_2021-06-15_uob-evol-vert_3x

UOB EVOL Credit Card

Considering a cashless lifestyle? Try the UOB EVOL Card. It's easy for digital users, offering 8% cashback on online and contactless purchases and 0.3% cashback on all other spends.

The card has a modest S$600 monthly spend requirement, with cashback capped at S$60, distributed in S$20 increments per category. No annual fees too if you make 3 eligible transactions monthly – simple for most users!

Tips to Earn Cashback Fast

To earn cashback quickly with your credit card, consider the following tips:

Choose the Right Card

Select a cashback credit card that aligns with your spending habits and offers higher rewards in categories where you frequently make purchases.

Use Bonus Categories

Take advantage of any bonus categories or promotions offered by your card. Many cards rotate bonus categories each quarter, providing opportunities for increased cashback.

Meet Minimum Spending Requirements

If your cashback card has minimum spending requirements to unlock higher rewards, try to consolidate your purchases to meet these thresholds and maximize your earnings.

Shop at Online Shopping Portals If Required

Check if your credit card issuer provides an online shopping portal. Shopping through these portals can offer additional cashback or rewards in addition to your regular card benefits.

Stack Rewards Programs

Explore opportunities to stack cashback rewards by combining credit card benefits with other cashback or loyalty programs offered by retailers or third-party platforms.

Maximize Welcome Bonuses

Capitalize on welcome bonuses offered by credit card issuers. Many cards provide a substantial cashback reward or bonus points for reaching a specified spending threshold within the initial months of card ownership.

Use the Card for Everyday Expenses

Opt to use your cashback card for everyday expenses, such as groceries, gas, dining, and utility bills. This helps to quickly accumulate cashback on essential purchases.

Frequently Asked Questions

How to redeem your cashback?

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Depending on your card issuer, redemption processes might defer. Keep an eye on your cashback balances and pick a redemption method that suits your preferences – like statement credits, bank transfers or vouchers.

How do I apply for a cashback credit card?

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Click through Singsaver’s page to be redirected to the credit card issuer’s page to fill in your application form. Doing so through Singsaver will allow you the chance to redeem rewards of your choice. You will also be required to submit required supporting documents such as proof of income or CPF statements. 

What's the difference between cashback, rewards points and miles?

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Cashback is a direct monetary reward where a percentage of your spending is returned to your credit card account, allowing you to offset your next credit card bill.

Rewards points are earned through credit card spending and can be redeemed for various rewards, including merchandise, gift cards, or even converted into miles for travel benefits.

Miles are a type of reward currency earned through travel credit cards, redeemable for flights, hotel stays, upgrades, and other travel-related benefits.

What are some of the benefits of using a Cashback Credit Card?

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Direct Savings

Cashback credit cards provide immediate savings on everyday expenses, reducing your overall spending.

Flexibility

Cashback can be used for anything, giving you the freedom to allocate the savings as you see fit.

Simple Redemption

Cashback rewards are straightforward to redeem, often directly applied to your credit card statement or deposited into your account.

No Expiry

Unlike some rewards points or miles, cashback rewards typically do not have an expiry date.

Is it possible to get unlimited Cashback?

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While cashback credit cards may offer high cashback rates and have no cap on earnings, most cards come with certain limitations. There may be monthly or annual cashback caps, spending category restrictions, or promotional periods with enhanced cashback rates. Always review the specific terms and conditions of the cashback credit card to understand any caveats on earning cashback rewards.