Best Rewards Credit Cards 2024

Here is a special guide to the Best Rewards Credit Cards 2024! Rewards credit cards are now essential instruments for optimizing your spending and opening you a world of advantages in the ever-changing world of finance. The best rewards credit cards for 2024 are examined in detail in this list, and they provide with a variety of benefits including cashback, travel rewards, dining privileges, retail discounts, and more.

These credit cards are made to fit your lifestyle and reward your spending habits, whether you’re an avid shopper, tourist, or foodie. Come along as we explore the world of rewards credit cards and see how, in 2024 and beyond, you can take advantage of special advantages on every transaction and make it count.

Best Rewards Credit Cards 2024

1

UOB Lady’s Card

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. 

Rewards Features:

• Base earn rate: UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1)
• UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on all purchases
• Select 1 rewards category for UOB Lady’s Card or up to 2 for the UOB Lady’s Solitaire Card, to earn Bonus 9X UNI$ for every S$5 spent (equivalent to 3.6 miles per S$1)
• Additional up to 15X UNI$ (6 miles per S$1) when you save with UOB Lady’s Savings Account
• No min. spend, Bonus 9X UNI$ and up to 15X Lady’s Savings Bonus UNI$ is capped at S$1,000 spend per calendar month for UOB Lady’s Card, and capped at S$2,000 spend per calendar month for UOB Lady’s Solitaire Card.
• Convert your UNI$ into air miles at the conversion rate of UNI$1 = 2 miles
• Choose from 7 transaction categories
• Beauty and wellness: Bobby Brown, DrBrand, Elements Wellness, The Battleground, Jean Yip Beauty, NARS, Pablo Blau, Spa Esprit, Dr Lash, Raffles Spa and more
• Dining: Haidilao Hot Pot, The Courtyard, The Fullerton Hotel Singapore, KPO Cafe & Bar, Tunglok Group, GrabFood, 2amdessertbar, Cinder Steakhouse, Nassim Hill Bakery Bistro Bar, Vineyard at Hortpark and more
• Entertainment: Cathay Cineplexes, Golden Village, Shaw Theatres, Sistic, Zouk, KPO, Indochine, Harry’s, No. 5 Emerald Hill, Party World KTV, and more
• Family: NTUC Fairprice, Cold Storage, CS Fresh, DON DON DONKI, Giant, Medi-Ya, Redmart, Motherswork, B_Together Dempsey Family Club, Healthway Medical, Lifescan Medical, LSC Eye Clinic, Raffles Dental
• Fashion: Beyond the Vines, ByInviteOnly, Nike, Her Velvet Vase, Melissa, ZALORA, Club21, Kids21, SUSY + BAE, Luisa Via Roma and more
• Transport: Grab, Gojek, Ryde, TADA, ComfortDelGro Taxi, SMRT Taxi, Premier Taxis, Shell Petrol Kiosks, Esso Petrol Kiosks, SPC, Caltex and more.
• Travel: Agoda, AirAsia, Airbnb, ANA, Cathay Pacific, Emirates, EVA Air, Expedia, Jetstar, Korean Air, Scoot, Singapore Airlines, and more
• Feel free to change your preferred rewards category(ies) as your lifestyle and interest evolves, any change will only take effect from the next calendar quarter.
• UOB UNI$ Rewards points terms and conditions: General exclusions such as payments via AXS, EZ Link, PayPal, YouTrip, and bill payments, instalment plans, cash advance, payments to property, insurance, financial, educational, and governmental transactions will not qualify for UNI$ rewards points

2

Citi Rewards Card

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!

Rewards Features:

• Redeem rewards points across multiple categories via the Citi Mobile® App for dining and shopping vouchers, Pay with Points, cash rebates, and more

3

Standard Chartered Rewards+ Credit Card

Get a Sony LinkBuds S Earbuds (worth S$309) or a Lenovo Tab M10 Gen 3 (worth S$299.01) or up to S$230 Cash via PayNow when you apply and meet the relevant spend criteria!

Rewards Features:

• 10X Rewards Points per S$1 spent in foreign currency, including online spends
• 5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions
• 1X Rewards Points per S$1 on all other spends
• Rewards Points capped at 20,000 points per year

4

HSBC Revolution Credit Card

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. 

Rewards Features:

• Base earn rate: 1 reward point per S$1 spent. No rewards cap
• 10X Points or 4 Miles bonus: On top of the base 1 reward point, get 9 extra reward points on every S$1 spent on Visa PayWave and Apple Pay contactless payment methods, online spending, food deliveries, and travel bookings
• Bonus rewards points earned capped at 9,000 reward points per calendar month, equivalent to around S$1,000 spend per month
• Eligible travel-related transactions include airlines, car rentals, hotels, cruises, agencies and tour operators
• Eligible departmental and retail stores transactions include computer and network services, electronic, and camera stores, florists, marketplaces, department stores, duty-free, clothing, shoes, jewellery, leather and accessories stores, book, music and record stores, drug stores and pharmacies
• Eligible groceries and dining transactions include grocery stores, supermarkets, candy, nuts, confectionery stores, bakeries, caterers, eating places and restaurants, bars, drinking places, nightclubs, fast food restaurants, and food delivery platforms such as GrabFood, FoodPanda, and Deliveroo
• Eligible transport transactions include taxicabs and limousines such as Grab and Gojek rides
• Eligible memberships transactions include athletic recreational and golf, and country clubs
• Redeem your rewards points for home, dining, retail, travel, or charity cash vouchers online or offset cash rebates on transactions online via rewards catalogue or offset transactions via HSBC mobile app
• HSBC Rewards terms and conditions: General exclusions such as payments via EZ-Link, YouTrip, AXS, tax, utilities, cash advances, payments to financial, governmental, insurance, educational institutions do not qualify for cash back
• HSBC Rewards points earned expire in 37 months’ time, aka 3 years and 1 month

5

American Express The Platinum Card

New American Express cardholders can receive a complimentary one-night stay at The Ritz Carlton, Millenia Singapore (worth S$590) on top of the welcome offer with annual fee payment. New and Existing cardholder can get up to 135,000 Membership Rewards® points (sufficient for a Return Trip to USA West Coast*) by paying the annual fee and spending a minimum of S$6,000 within the first 2 months of card approval.

Rewards Features:

• Earn 2 Membership Rewards® points for every S$1.60 spent
• Earn a total of 20 Membership Rewards® points for every full S$1.60 spent with 10Xcelerator by Membership Rewards®
• Your points never expire

6

Citi Cash Back Card

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!

Rewards Features:

• 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

7

Standard Chartered Smart Credit Card

Get a Sony LinkBuds S Earbuds (worth S$309) or a Lenovo Tab M10 Gen 3 (worth S$299.01) or up to S$230 Cash via PayNow when you apply and meet the relevant spend criteria!

Rewards Features:

• Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life Program

8

American Express Platinum Credit Card

New to American Express cardholders can get S$400 eCapitaVouchersfromAMEX when you pay the card’s annual fee and spend a min. of S$1,000 within first month of card approval.

Existing cardholders can get up to 58,750 Membership Rewards® points from AMEX when you pay the card’s annual fee and spend a min. of S$1,000 within first month of card approval.

Additionally, earn 1,250 Membership Rewards® points based on the S$1,000 spent above.

Rewards Features:

• Give back to yourself when you spend—earn a total of 2 Membership Rewards points* for every full S$1.60 spent.
• Your spending goes even further at our Platinum 10Xcelerator Partners like Maison 21G and The Hour Glass, where every full S$1.60 spent gives you 10 Membership Rewards points (equivalent to 5.5 miles).
• Be spoilt for choice. From a lavish feast to a shopping spree, treat yourself and take a pick from over 200 rewards in our Membership Rewards Catalogue.
• Fly with freedom. Enjoy permanent waiver of the miles transfer fee (worth S$40) with the American Express Platinum Credit Card. With this, redeem your points for Frequent Flyer Miles from Airline Partners like Asia Miles, British Airways Executive Club, Emirates Skywards, Singapore KrisFlyer and more.
• Downsize your Card bills, anytime, anywhere, by using your Membership Rewards points to pay for any purchase made with your American Express® Platinum Credit Card.
• Your points never expire, which means you can take all the time to need to collect, redeem, and enjoy.

9

HSBC Visa Platinum Credit Card

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.

Rewards Features:

• 5% cash rebate on dining, groceries and petrol with min. S$600 spend/month for all 3 months in a calendar quarter
• S$250 cash rebate cap per calendar quarter
• 1X Reward Point for every S$1 spent

10

HSBC Visa Infinite Credit Card

Rewards Features:

• Up to 2.25 air miles per S$1 spent
• Present your HSBC Visa Infinite Credit Card, boarding pass and quote ‘LoungeKey’ to enjoy complimentary access to over 1,100 VIP airport lounges for you and your supplementary cardholders.
• Dedicated concierge service for personalised assistance.
• Complimentary limousine transfer and expedited immigration clearance
• Automatic comprehensive travel insurance coverage (including COVID-19 coverage) up to USD2 million.
• Up to 50% saving on Dining

In conclusion, the landscape of rewards credit cards in 2024 offers a wealth of opportunities for consumers to earn valuable perks while managing their finances wisely. By leveraging the best rewards credit cards tailored to their lifestyle and spending habits, cardholders can enjoy benefits such as cashback, travel rewards, dining discounts, and more. It’s essential to assess factors like rewards rates, annual fees, redemption options, and additional benefits when choosing the right card.

With strategic planning and responsible usage, these cards can be powerful tools in maximizing savings and enhancing lifestyle experiences. Here’s to a rewarding financial journey with the best rewards credit cards of 2024!

Do check out our list of Cashback Credit Cards and have time to check their services.

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