Note: This article is only for normal credit card users. This article don’t talk about the petrol, prepaid cards, and amex cards. More cards’ choice will be discussed in article “Best Credit Cards – Miles”, “Best Credit Cards – Supermarkets”, “Best Credit Cards – Travel”, and “Best Credit Cards – Online payment”.
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Bank: UOBFeatures: Up to 5% rebate, plus 2.43% interest rate on savings
Annual income S$30000 for SC / PR, S$40,000 for Foreigners, or a Fixed Deposit collateral of min S$10,000 is required
Remarks: Need to spend more than S$500, S$1000, S$2000 for every month in a bill quarter (with at least 3 transactions per month) to be eligible for S$50, S$100, S$300 rebate
Related Article: Tips to achieve continuously min monthly spending
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Bank: DBS / POSBFeatures:
Annual income S$30,000 for SC / PR, S$45,000 for Foreigners
* 6% Cashback on your online purchases (Till 29 Feb 2016)
* 3X DBS Points on online, overseas, EZ-Reload & Visa payWave
* First 5 or 2 years fee waiver
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Bank: Standard Chartered Bank (Singapore)Features:
Annual income S$30,000 (Foreigners S$60,000)
* 7% rebate on online payment
* 2% rebate on supermarkets
* Minimum S$600 month spend required
* Tips: you could buy supermarkets vouchers promptly to be eligible to 6% rebate
* Related Article: Tips to achieve monthly S$500 online spending.
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Bank: DBS / POSBFeatures:
Annual income S$30,000 (Foreigners S$45,000)
* 5% rebate on Sheng siong;
* 1% on recurring utility bills from SP Services;
* 3% on Wastons;
* 2% on EZ-Reload
Recommend: To those who frequently shopping @ Sheng siong
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Bank: CitibankFeatures:
Annual income S$30,000 (Foreigners S$60,000)
* 10X on clothes, shoes, or bags (local & overseas)
* 10X on department store (local & overseas)
* 10X on Online Shopping exclude FB, travel, government etc.
* 10X equals to 3%~4%rebate, or 4 miles
* Points Expiration - 5 years
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Bank: DBS / POSBFeatures:
Annual income S$80,000
* 10X on online purchases (equals to 3.5~4% rebate, or 4 miles).
* Goverment spending & EZ-link spendings was eligible for 10X.
* 10X is caulated by every S$5, and only for first S$2000 monthly spending.
* DBS points is valid for 1 year.
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Bank: HSBCFeatures:
Annual income S$30,000 for SC / PR, S$40,000 for Foreigners, or a Fixed Deposit collateral of min S$10,000
* 5X Rewards points on online, dining and entertainment
* 1X Rewards point with every S$1 charged on all other spend
* First 2 years fee waiver
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Bank: UOBFeatures:
Annual income S$30,000 (Foreigners S$40,000)
* Earn 10X for paywave, and online shopping (equals to 3~3.5% rebate, or 4 miles).
* 10X is caulated by every S$5.
* Goverment spending & EZ-link spendings was not eligible for 10X.
* Expiration: Around 3 years
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Bank: MaybankFeatures:
Annual income S$30000 for SC / PR, S$60,000 for Foreigners- 3.33% rebate, with extra 3% on overseas spending (Till 31 Dec)
- Quarterly service fee waiver of S$20 when you charge to your Card once every 3 months
Remarks: Need to spend more than S$300, S$1000 for every month in a calendar quarter to be eligible for S$30, S$100 rebate
Related Article: Tips to achieve continuously min monthly spending
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Bank: DBS / POSBFeatures:
Annual income S$80000
* 3 miles per S$1 on all online Flight and Hotel transactions
* 2 miles per S$1 spent overseas
* 1.2 miles per S$1 spent locally.
* Points never expire
* Priority Pass™ Membership
* 1 million travel accident insurance coverage
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Bank: ANZ Bank SingaporeANZ Optimum World MasterCard Credit Card allows you to enjoy 5% cash rebate on one of the 4 categories: Dining & Leisure, Travel, Shopping or Groceries.
Annual income S$80,000
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Bank: HSBCHSBC Advance Visa Platinum Credit Card allows you to enjoy 10X Rewards points on online, dining and entertainment, 14% instant petrol discount at Shell and Caltex stations, and 15% off dining bill at over 50 leading European restaurants. Exclusively for customers who have an Advance relationship with HSBC.
HSBC Advance account holder, with Annual income S$30,000 (Foreigners S$40,000)
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Bank: OCBC Bank SingaporeAuto splits your payments into 3 or 6 months, and lets you earn up to 1% rebate.
Annual income S$30,000 (Foreigners S$45,000)
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Bank: CitibankFeatures:
Annual income S$30,000 (Foreigners S$42,000)
* 2.7% ~ 7.3% rebate on FairPrice (since 15 Aug 2014. View Details)
* Up to 7% rebate on Sheng Siong / Giant
* Up to 15% on coffees
* Up to 2% on EZ-Reload
Remarks:
* Need to spend S$50 per transaction, and minimum S$600 spendings to maximum the rebate
Recommend: To those who spend a lot on above supermarkets, or those who love Starbucks.
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Bank: ANZ Bank SingaporeFeatures:
Annual income S$60000 (S$90,000 for Foreigners)
* Earn 1.4 travel$ per S$1
* 2.8 air miles* with every S$1 spent in Australia and New Zealand, or on flights with Qantas and Jestar
* The best card to pay for income tax
Recommend: Traveller, mile collectors.
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Bank: OCBC Bank SingaporeFeatures:
Annual income S$30,000 (Foreigners S$45,000)
* 6% rebate on weekend dinning locally; 3% rebate on weekday dinning locally or overseas dinning
* 3% rebate on Online Shopping, Groceries, Recurring Telecommunication bills (Singtel / Starhub / M1)
* Up to 14% Fuel Savings at selected petrol stations; 5% Cashback at all petrol service stations
* Minimum of S$600 spend in a calendar month. Otherwise a flat 0.3% cashback is awarded.
* Cashback amount is capped at S$80 per calendar month.
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Bank: HSBCFeatures:
Annual income S$30,000 for SC / PR, S$40,000 for Foreigners, or a Fixed Deposit collateral of min S$10,000
* 5% cash rebate on Recurring Mobile/Cable TV/Internet Bill Payment
* 5% cash rebates on all grocery spend
* 2% cash rebates on dining
* 5% cash rebates plus 14% instant discount at all Caltex and Shell stations
* Earn 1 Rewards point with every S$1 charged
* First 2 years fee waiver
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Bank: DBS / POSBFeatures: Kinds of rebates in CapitaMalls
Annual income S$30,000 (Foreigners S$45,000)
Remarks: Capita voucher purchase promotion was frequently running (up to 10% rebate)
Recommend: CapitaMalls shopper, but not recommend to normal users.
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Bank: Standard Chartered Bank (Singapore)Features:
Annual income S$30,000 (Foreigners S$60,000)
* 3% rebate with min S$3000 bill monthly spending
* Capped at S$200 per quarter.
* To those who want to buy expensive items
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Bank: MaybankFeatures: 5% rebate on NTUC Fairprice, Cold Storage, Popular, Toys “R” Us
Annual income S$30,000
Recommend: To those who frequently shopping @ NTUC Fairprice，Cold Storage etc.
Remarks: If your monthly spend is above S$150, you may consider to combine NTUC Member card.
Note: Mini S$500 spending per bill month will be required for 5% rebate from Apr 1, 2014 onwawrds.
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Bank: UOBFeatures: 10X for paywave, foreign currency spendings (5% rebate or 4 miles)
Annual income S$50000 for SC / PR, S$60,000 for Foreigners, or a Fixed Deposit collateral of min S$20,000 is required
Remarks: Minimum S$1000 monthly spending required; 10X is for first S$2000 only, and 10X is calculated based on every S$5
Expiration: Around 3 years
Recommend: Frequently traveller, overseas online shopper, mile collectors.
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Bank: UOBFeatures: 10X on local / overseas dinning
Annual income S$30,000 (Foreigners S$40,000), or a Fixed Deposit collateral of minimum S$10,000
Remarks: 10X is calculated based on every S$5
Recommend: Not recommend to normal users
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Bank: UOBFeatures:
Annual income S$30000 for SC / PR, S$60,000 for Foreigners, or a Fixed Deposit collateral of min S$10,000 is required
* 3% rebate at all major department stores (BHG, Isetan, John Little, Marks & Spencer, Metro, OG, Robinsons, Takashimaya and TANGS.)
* 5% rebate at Meidi-ya, Muji and Uniqlo
* 2X SMART$ rebate
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Bank: Bank of China SingaporeFeatures: 6% on selected online purchases
Annual income S$30,000 (Foreigners S$60,000)
* 0.5% + 5% if monthly spending @ S$500~S$1000,
* 1% + 5% if above S$1000 (5% rebate capped at S$1000, i.e. S$50),
* or 0.5% if less than S$500
* Uncomfortable banking experience.
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Bank: ANZ Bank SingaporeFeatures:
Annual income S$30,000 (S$60,000 for Foreigners)
* Earn Up to 20X Rewards for select merchants
* No annual fee!
* 无年费！
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Bank: Standard Chartered Bank (Singapore)1.5% cashback on all spend
Annual income S$30,000 (Foreigners S$60,000)
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Bank: CIMB SingaporeFeatures: 3.8% rebate on Insurance, Education and Home Furnishings and Appliances category
Annual income S$30,000 for SC / PR, or a Fixed Deposit collateral of min S$10,000 is required
Remarks: Mini monthly spending @ S$500 (rebate capped at S$50 per month)
Recommend: To whose with specified insurance (check CIMB for details). Not recommend to normal users.
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Bank: Bank of China SingaporeFeatures: 5% rebate on supermarkets, Guardian, Popular, Watsons, Toys ‘R’ Us etc.
Annual income S$30,000 (Foreigners S$60,000)
Remarks: 4.5% if monthly spending @ S$500~S$1000, 5% if above S$1000, or 0.5% if less than S$500
Recommend: Not recommend to normal users due to uncomfortable banking experience.
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Bank: CitibankFeatures: 5X on selected offline/online places (See Citibank website for details)
Annual income S$30,000 (Foreigners S$42,000)
Recommend: Not recommed to normal users
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Bank: OCBC Bank SingaporeFeatures (From 1 Oct 2015):
Minimum annual income of S$30,000.
* 6% rebate on online shopping
* 3% / 5% rebate on entertainment
* 3% rebate on first 2 NETS Flashpay ATU (Auto top-up)
* 0.5% on others
* Rebates capped at S$60 per month
Remarks: Minimum S$400 offline transactions per month
Recommend: Not recommended.
