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Best credit cards for online shopping in Singapore (2026)

On the spending below, the Maybank Family & Friends pays about S$1,158 a year after its annual fee, ahead of the UOB One at S$892. We ranked 27 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$1,158/yr

    S$1,355 cashback a year

    − S$196 fee

    Dining & delivery at 8% · Online shopping at 8%

  2. UOB

    UOB One

    Cashback1st year fee waived

    S$892/yr

    S$1,088 cashback a year

    − S$196 fee

    Quarterly cashback S$200 · Extra: supermarkets at 4.67%

  3. DBS

    DBS Woman's World

    Miles1st year fee waived

    S$774/yr

    64,704 miles a year ≈ S$971

    − S$196 fee

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

  4. HSBC

    HSBC Live+

    Cashback1st year fee waived

    S$711/yr

    S$907 cashback a year

    − S$196 fee

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

  5. OCBC

    OCBC 365

    Cashback1st year fee waived

    S$692/yr

    S$889 cashback a year

    − S$196 fee

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

  6. HSBC

    HSBC Revolution

    Miles

    S$687/yr

    45,821 miles a year ≈ S$687

    No annual fee

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

  7. Citi

    Citi Cash Back

    Cashback1st year fee waived

    S$665/yr

    S$861 cashback a year

    − S$196 fee

    Dining & delivery at 6% · Supermarkets at 6%

  8. Citi

    Citi Rewards

    Miles1st year fee waived

    S$630/yr

    55,104 miles a year ≈ S$827

    − S$196 fee

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

  9. OCBC

    OCBC Rewards

    Miles1st year fee waived

    S$566/yr

    50,784 miles a year ≈ S$762

    − S$196 fee

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

  10. UOB

    UOB EVOL

    Cashback

    S$558/yr

    S$558 cashback a year

    No annual fee

    Online at 10% · Telco & streaming at 10%

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What to look for

Online bonuses usually exclude travel, bills and wallet top-ups, and many are capped at S$1,000 or less in bonus spend each month. This ranking uses someone who spends S$900 a month on Shopee, Lazada, Amazon and similar shops.

The spending we used

CategoryPer month
DiningS$400
Food deliveryS$150
GroceriesS$400
Ride-hailing & taxisS$150
Bus & MRTS$80
Online shoppingS$900
Foreign currencyS$100
Mobile, internet & streamingS$120
Everything elseS$300
TotalS$2,600

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 credit cards for online shopping in Singapore?

On our test profile the top card is the Maybank Family & Friends from Maybank, at about S$1,158 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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