Find the best credit card in Singapore for how you actually spend.

Enter what you spend in a typical month. We work out the cashback or miles from 27 Singapore cards, with caps, minimum spend and annual fees taken into account.

Every rate checked against the bank's own termsNo sign-up, nothing storedNot paid by any bank

Your spending

1 · What do you want back?

2 · Your monthly spending

Adjust to match youTotal S$0/mo
More categories (petrol, travel, Singapore Airlines, subscriptions)

Use amounts you'd charge to a credit card. Leave out rent, insurance, school fees and tax: most cards earn nothing on them.

3 · Fine-tune

Value of one mile1.5¢
Annual income (optional, to hide cards you can't get)

Best cards for you

Best match: Maybank Family & Friends · S$1,086 a year

  1. Maybank

    Maybank Family & Friends

    Cashback1st year fee waived

    S$1,086/yr

    S$1,283 cashback a year

    − S$196 fee

    Dining & delivery at 8% · Groceries at 6%

  2. OCBC

    OCBC 365

    Cashback1st year fee waived

    S$674/yr

    S$871 cashback a year

    − S$196 fee

    Dining, groceries, transport, petrol at 6% · Everything else at 0.25%

  3. HSBC

    HSBC Revolution

    Miles

    S$652/yr

    43,445 miles a year ≈ S$652

    No annual fee

    Contactless/online at bonus merchants at 3.33 mpd · Everything else at 0.33 mpd

  4. Citi

    Citi Cash Back

    Cashback1st year fee waived

    S$651/yr

    S$847 cashback a year

    − S$196 fee

    Dining & delivery at 6% · Supermarkets at 6%

  5. UOB

    UOB EVOL

    Cashback

    S$558/yr

    S$558 cashback a year

    No annual fee

    Online at 10% · Telco & streaming at 10%

  6. UOB

    UOB One

    Cashback1st year fee waived

    S$380/yr

    S$576 cashback a year

    − S$196 fee

    Quarterly cashback S$100 · Extra: supermarkets at 2.67%

  7. HSBC

    HSBC Live+

    Cashback1st year fee waived

    S$351/yr

    S$547 cashback a year

    − S$196 fee

    Dining, delivery & shopping at 5% · Everything else at 0.3%

  8. DBS

    DBS Woman's World

    Miles1st year fee waived

    S$342/yr

    35,904 miles a year ≈ S$539

    − S$196 fee

    Online spend at 4 mpd · In-store spend at 0.4 mpd

  9. Standard Chartered

    SC Journey

    Miles

    S$321/yr

    34,512 miles a year ≈ S$518

    − S$196 fee

    Other local spend at 1.2 mpd · Ride-hailing & food delivery (online) at 3 mpd

  10. UOB

    UOB Lady's

    Miles1st year fee waived

    S$296/yr

    32,784 miles a year ≈ S$492

    − S$196 fee

    Chosen category: Dining at 4 mpd · Everything else at 0.4 mpd

  11. DBS

    DBS Altitude Visa

    Miles1st year fee waived

    S$260/yr

    30,408 miles a year ≈ S$456

    − S$196 fee

    Local spend at 1.3 mpd · Foreign currency at 2.2 mpd

  12. OCBC

    OCBC FRANK

    Cashback1st year fee waived

    S$259/yr

    S$455 cashback a year

    − S$196 fee

    Online at 8% · Foreign currency at 8%

  13. OCBC

    OCBC 90°N

    Miles1st year fee waived

    S$239/yr

    29,040 miles a year ≈ S$436

    − S$196 fee

    Local spend (excl. bus/MRT) at 1.3 mpd · Foreign currency at 2.1 mpd

  14. UOB

    UOB Preferred Visa

    Miles1st year fee waived

    S$231/yr

    28,464 miles a year ≈ S$427

    − S$196 fee

    Selected online spend at 4 mpd · In-store spend at 0.4 mpd

  15. Citi

    Citi Rewards

    Miles1st year fee waived

    S$231/yr

    28,464 miles a year ≈ S$427

    − S$196 fee

    Online shopping & delivery at 4 mpd · Everything else at 0.4 mpd

  16. UOB

    UOB PRVI Miles

    Miles1st year fee waived

    S$230/yr

    32,784 miles a year ≈ S$492

    − S$262 fee

    Local spend at 1.4 mpd · Foreign currency at 2.4 mpd

  17. Citi

    Citi PremierMiles

    Miles

    S$228/yr

    28,272 miles a year ≈ S$424

    − S$196 fee

    Local spend at 1.2 mpd · Foreign currency at 2.2 mpd

  18. American Express

    AMEX KrisFlyer

    Miles1st year fee waived

    S$217/yr

    26,436 miles a year ≈ S$397

    − S$180 fee

    Everything else at 1.1 mpd · Grab rides at 2 mpd

  19. UOB

    KrisFlyer UOB

    Miles1st year fee waived

    S$210/yr

    27,072 miles a year ≈ S$406

    − S$196 fee

    Dining, online, travel, transport at 1.2 mpd · Everything else at 1.2 mpd

  20. Citi

    Citi Cash Back+

    Cashback1st year fee waived

    S$165/yr

    S$361 cashback a year

    − S$196 fee

    All eligible spend at 1.6%

  21. American Express

    AMEX True Cashback

    Cashback1st year fee waived

    S$164/yr

    S$338 cashback a year

    − S$174 fee

    All eligible spend at 1.5%

  22. HSBC

    HSBC TravelOne

    Miles

    S$160/yr

    23,760 miles a year ≈ S$356

    − S$196 fee

    Local spend at 1 mpd · Foreign currency at 2 mpd

  23. Maybank

    Maybank Horizon

    Miles1st year fee waived

    S$152/yr

    23,232 miles a year ≈ S$348

    − S$196 fee

    Dining, groceries, transport, petrol, travel at 1.2 mpd · Foreign currency at 2.8 mpd

  24. Standard Chartered

    SC Simply Cash

    Cashback1st year fee waived

    S$142/yr

    S$338 cashback a year

    − S$196 fee

    All eligible spend at 1.5%

  25. OCBC

    OCBC Rewards

    Miles1st year fee waived

    S$134/yr

    21,984 miles a year ≈ S$330

    − S$196 fee

    Online marketplaces & fashion at 4 mpd · Everything else at 0.4 mpd

  26. POSB

    POSB Everyday

    Cashback1st year fee waived

    S$78/yr

    S$274 cashback a year

    − S$196 fee

    Dining out at 5% · Food delivery at 10%

  27. American Express

    AMEX KrisFlyer Ascend

    Miles

    S$30/yr

    28,512 miles a year ≈ S$428

    − S$398 fee

    Everything else at 1.2 mpd · Grab rides at 2 mpd

Estimates are yearly and use each card's published earn rates, bonus caps and minimum-spend rules. Merchant-specific deals, welcome offers and promotions are not counted. How we calculate.

Best credit cards by category

Questions people ask

What is the best credit card in Singapore?

It depends on how you spend. On a typical S$2,000 a month across dining, groceries, rides and online shopping, the Maybank Family & Friends comes out on top at about S$1,086 a year after its annual fee. Change the amounts in the finder to see your own ranking.

Should I get a cashback card or a miles card?

Cashback suits you if you want money back with no effort. Miles suit you if you will redeem for flights, ideally premium cabins, where a mile is often worth 2 cents or more. At 1.5 cents a mile, the best miles and cashback cards are close; the finder shows both side by side.

What is the best cashback card in Singapore?

On the same everyday spending, the Maybank Family & Friends returns about S$1,086 a year, followed by the OCBC 365 at S$674. Minimum spend and caps decide the order, so your own numbers may rank them differently.

What is the best miles card in Singapore?

On everyday spending, the HSBC Revolution earns about 43,445 miles a year, worth roughly S$652 at 1.5 cents a mile. The DBS Woman's World is next.

How much do I need to earn to get a credit card in Singapore?

The Monetary Authority of Singapore requires an annual income of at least S$30,000 for most applicants aged 55 and under. Banks often ask foreigners for more, typically S$40,000 to S$60,000.

Does card.sg get paid by banks?

No bank pays to be listed or ranked. Rankings come only from the numbers you enter and each bank's published terms. If we add affiliate links, we will say so on every page where they appear, and they will not change the ranking.

Figures above use the Everyday profile (S$2,000 a month), miles at 1.5¢ each and annual fees counted. Data last verified 27 Oct 2026.

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*Issuer states only the regulatory minimum.