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Enjoy this enlightening investigation of Best Credit Cards in Singapore 2024! Credit cards are no longer only instruments for making payments in the ever-changing financial world of today; they are now essential possessions with a wealth of perks. You can choose the best credit cards that accommodate a range of tastes, aspirations, and lifestyles by using our guide.
Our carefully chosen collection highlights the best options, whether you’re looking for special deals, dining privileges, travel benefits, or cashback incentives. Together, we will explore the top credit cards available in Singapore, giving you the knowledge and skills to plan ahead and spend as efficiently as possible in 2024 and beyond.
Best Credit Cards in Singapore 2024
Citi Cash Back+ Mastercard
| Cash Back on Eligible Spend | 1.6% |
| Min. Spend per month | S$0 |
| Cash Back Cap per month | Unlimited |
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
Key Features:
- 1.6% cashback on your spend
- No minimum spend required and no cap on cash back earned
- Cash back earned does not expire
- Redeem your cash back instantly on-the-go with Pay with Points or for cash rebate via SMS
- With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
UOB One Card
| Cashback on McDonald’s, DFI Retail Group, Grab, Shopee, SP and more | Up to 10% |
| Cashback Cap per quarter | Up to S$500 |
| Min. Spend per month | S$500 |
Stand a chance to get an Apple 11-inch iPad Pro, 128GB (worth S$1,272.30) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow!
PLUS get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date.
Key Features:
- Up to 10% cashback on McDonald’s (including McDelivery®)
- Up to 10% cashback at Shopee Singapore (excludes ShopeePay)
- Up to 10% cashback at DFI Retail Group (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven & more)
- Up to 10% cashback at Grab (including GrabFood, excludes Grab mobile wallet top-ups)
- Up to 10% cashback (bus and train rides)
- Up to 10% cashback on UOB Travel
- Up to 4.33% cashback on Singapore Power utilities bill.
- Up to 3.33% cashback on all retail spend (based on S$500, S$1,000 or S$2,000)
- Fuel savings of up to 22.66% at Shell and SPC
Citi PremierMiles Card
| Local Spend | S$1 = 1.2 Miles |
| All Foreign Currency Spend including Retail and Online | S$1 = Up to 2 Miles |
| Selected Online Hotel Bookings | S$1 = Up to 10 Miles |
Get a Sony HT-AX7 Portable Theatre System (worth S$769) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
Key Features:
- S$1 = 1.2 Citi Miles on Local spend (no min. spend)
- S$1 = 2 Citi Miles on Foreign currency spend
- Earn 10,000 Citi Miles upon renewal of annual membership and payment of annual fee
- Citi Miles never expire
- Principal Cardholder gets to enjoy 2 complimentary visits every year to over 1,300 airport lounges worldwide
Standard Chartered Simply Cash Credit Card
| Cash Back on Eligible spend | Up to 1.5% |
| Min. Spend per month | S$0 |
| Cash Back Cap per month | Unlimited |
Get a Nintendo Switch OLED (worth S$549) or a Hinomi Q1 Ergonomic Chair (worth S$499) or a Apple Watch SE (worth S$382.50) or a Apple AirPods Pro (worth S$365.70) or a ErgoTune Classic Ergonomic Chair (worth S$399) or a Titan V1 Foldable Bike (worth S$399) or up to S$370 Cash via PayNow* when you apply and meet the relevant spend criteria!
Key Features:
- Flat 1.5% cashback rate for all eligible purchases
- No cashback cap and no minimum spend
- Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life Program
- 1 year annual fee waiver, no minimum spend required
CIMB World Mastercard
| Unlimited Cashback on the following categories (Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods) | Up to 2% |
| Min. spend per month to qualify for 2% Unlimited Cashback | S$1,000 |
| Cash Rebate cap | Unlimited |
Get S$280 Cash via PayNow, in as fast as 2-3 months when you apply and spend a min of S$988.
Key Features:
- 2% Unlimited Cashback on Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods.
- 1%* Cashback on all other spends.
- Access to Over 1,000 Airport Lounges via Mastercard® Airport Experiences Provided by LoungeKey
- 50% Off Green Fees at golf courses across the region
- No annual fees for life
- Apply for up to 4 supplementary cards and have annual fees waived for all supplementary cards
- Access to over 1,000 regional deals & discounts across Singapore, Malaysia and Indonesia
HSBC Revolution Credit Card
| on Online Spend and Contactless Payments | S$1 = 10X Points |
| on All Other Spend | S$1 = 1X Point |
| for every 10 Points | Earn 4 Miles |
Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or a Lenovo Tab M10 Gen 3 (worth S$299.01) when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month.
Key Features:
- 10X Reward points (equivalent to 4 miles or 2.5% Cashback) on online purchases and contactless payments
- 1X Reward point for all other types of spending
- No min. spend required
- No annual fee
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
- Cap of 10,000 rewards points per calendar month on eligible purchases
UOB EVOL Credit Card
| on Online and Mobile Contactless spend | 8% Cashback |
| Cash Back Cap per month | Up to S$60 |
| Min. Spend per month | S$600 |
Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date.
Key Features:
- 8% cashback on Online and Mobile Contactless spend
- No annual fees when you make 3 transactions per month consecutively for 12 months before your card annual fee charge date
- S$60 cashback cap (capped at S$20 per category: Online, Mobile Contactless and Other spend)
- With min S$600 spend per statement month, otherwise base cashback of 0.3% will be awarded for all spend. Exclusions and T&Cs at uob.com.sg/evoltncs
American Express True Cashback Card
| on up to $5,000 spend in the first 6 months for new Card Members | 3.0% Cashback |
| all subsequent eligible purchases | 1.5% Cashback |
| Cash Back Cap | Unlimited |
Get S$150 Cash via PayNow or an Apple AirPods 3rd Gen (worth S$ 263.80) when you apply for an American Express True Cashback Card and spend a min. of S$500 in Qualifying Spends within the first month of card approval!
Key Features:
- Unlimited & Immediate Cashback – No min spend and no cap on how much you earn. Get your cashback in the same month’s statement
- 3% Cashback on all eligible purchases, up to $5,000 spend in the first 6 months for new Card Members
- 1.5% unlimited Cashback on all subsequent eligible purchases with no minimum spending and no earn cap
UOB Lady’s Card
| Base Earn Rate | S$5 = 1X UNI$ (or 2 miles) |
| Category of Choice | S$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1) |
| Min. Spend | S$0 |
Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date.
Key Features:
- Up to 25X UNI$ for every S$5 spend (equiv. to 10 miles per S$1) on your preferred rewards category(ies) with no minimum spend required. Choose from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel.
- 10X UNI$ (4 miles per S$1) + additional up to 15X UNI$ (6 miles per S$1) when you save with UOB Lady’s Savings Account
- Flexibility to change your Preferred Category(ies) Spending every quarter.
- UOB Lady’s LuxePay Plan 6 or 12-month installment plan with no interest or processing fees
- Free e-Commerce protection for online purchases up to USD$200
- Earn up to 7.80% p.a. interest with UOB One Account
CIMB Visa Infinite
| Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency | 2% |
| Min. Spend per month | S$2,000 |
| Cash Rebate cap | Unlimited |
Get S$280 Cash via PayNow, in as fast as 2-3 months when you apply and spend a min of S$988.
Key Features:
- Unlimited 2%* Cashback on Travel, Overseas, Online Spend in Foreign Currencies. 1%* Cashback on all other spend.
- * The 2% cashback consists of the base cashback of 1% and an additional 1% cashback.
- Complimentary access to over 1,000 airport lounges via CIMB Airport Companion Programme
- Visa Infinite Concierge
- No annual fees for life
- Apply for up to 4 supplementary cards and have annual fees waived for all supplementary cards
- Access to over 1,000 regional deals with discounts up to 50%
In conclusion, the realm of credit cards in Singapore for 2024 offers a multitude of opportunities for savvy consumers seeking exceptional rewards and benefits. By exploring the best credit cards tailored to diverse needs, lifestyles, and preferences, you can unlock a world of convenience, savings, and exclusive privileges. Remember to assess factors such as annual fees, interest rates, rewards structure, and additional perks to choose the card that aligns best with your financial goals and spending habits.
With the right credit card in hand, your journey towards financial empowerment and enhanced lifestyle experiences in 2024 is set to be both rewarding and fulfilling. Here’s to making every swipe count and reaping the rewards of smart credit card usage!
Do check out our list of Renovation Loans and have time to check their services.
Frequently Asked Questions
FAQs
What are the criteria for selecting the best credit cards in Singapore for 2024?
How can I compare different credit cards to find the best one for me in 2024?
What types of rewards can I expect from the best credit cards in Singapore in 2024?
Are there credit cards specifically tailored for certain lifestyles or spending categories?
What should I consider when choosing between cashback and rewards credit cards in Singapore for 2024?
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What are some common fees associated with credit cards in Singapore, and how can I manage them?
Can I apply for multiple credit cards to maximize rewards and benefits?
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