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Best cashback credit cards in Singapore (2026)

On the spending below, the Maybank Family & Friends pays about S$1,086 a year after its annual fee, ahead of the OCBC 365 at S$674. We ranked 11 cashback cards using each bank's published rates, caps and minimum spend.

Last verified 27 Oct 2026 against each bank's own terms.

  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. 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%

  4. UOB

    UOB EVOL

    Cashback

    S$558/yr

    S$558 cashback a year

    No annual fee

    Online at 10% · Telco & streaming at 10%

  5. 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%

  6. 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%

  7. 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%

  8. 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%

  9. 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%

  10. 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%

Change the numbers in the finder

What to look for

Cashback cards pay you back in dollars, but almost every high-rate card has a minimum spend and a monthly cap. The card with the highest headline rate is often not the one that pays the most on a normal month.

The spending we used

CategoryPer month
DiningS$400
Food deliveryS$150
GroceriesS$400
Ride-hailing & taxisS$150
Bus & MRTS$80
Online shoppingS$300
Foreign currencyS$100
Mobile, internet & streamingS$120
Everything elseS$300
TotalS$2,000

Annual fees are subtracted. Miles are valued at 1.5¢ each. Mobile-payment-only bonuses are not counted unless you switch them on in the finder. How we calculate.

Common questions

What are the best cashback credit cards in Singapore?

On our test profile the top card is the Maybank Family & Friends from Maybank, at about S$1,086 a year after fees. The best card for you depends on your own mix of spending, which you can enter in the card finder.

How are these cards ranked?

By estimated yearly value after the annual fee, using each card's published earn rates, caps and minimum spend. Miles are valued at 1.5 cents. Welcome offers, promotions and single-merchant deals are not counted.

Does any bank pay for its position?

No. The order comes only from the calculation. card.sg is not paid by any bank to list or rank cards.

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