What is the best cashback credit card in Singapore?

The best cashback credit card depends on your spending categories. Cards like OCBC 365 offer up to 6% cashback on dining, while DBS Live Fresh gives 5% on online shopping. Use our free calculator to find the best card for your exact spending profile.

What is the best miles credit card in Singapore?

For miles collectors, DBS Altitude and Citi PremierMiles are popular choices with up to 3 miles per dollar on overseas spend. KrisFlyer UOB offers direct KrisFlyer miles earning. The best card depends on your spending mix and whether you spend more locally or overseas.

Should I use one credit card or multiple cards?

Using 2-3 cards strategically can maximize your rewards by assigning each spending category to the card with the highest rate. Our combo calculator finds the optimal multi-card strategy. However, if you prefer simplicity, a single well-chosen card can still earn significant rewards.

Bank Picker SG

Compare savings & card rates in Singapore

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Strategy

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Your spending

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These are example values — update them to see your actual rewards.

Total monthly card spend

How much you charge to credit cards each month

Annual income

Some cards require a minimum income

This determines which cards you're eligible for.

Best Cards

Ranked by net annual rewards

12 cards

★ Best for youCashback

OCBC 365 Credit Card

OCBC

3.4%effective

$614

net/year

$67/mo$193/yr feeWaived first year; waived with $10k annual spend

6% Dining3% Groceries3% Transport3% Online Shopping

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Tip

Not sure if you'll hit the spend thresholds?

SG Finance Tracker lets you log expenses and see exactly where your money goes each month — free, no sign-up needed.

Try it free

Citi Cash Back+ Mastercard

Citi/UOB

Cashback

3.3%effective

$599

net/year

$66/mo$193/yr feeWaived first year

8% Dining (capped)8% Groceries (capped)1.6% Transport1.6% Online Shopping

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Maybank Family & Friends Card

Maybank

Cashback

2.4%effective

$576

net/year

$48/moNo annual fee

8% Dining (capped)5% Groceries0.3% Transport0.3% Online Shopping

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CIMB Visa Signature

CIMB

Cashback

2.1%effective

$511

net/year

$43/moNo annual fee

10% Groceries (capped)10% Online Shopping (capped)0.2% Dining0.2% Transport

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HSBC Revolution Card

HSBC

Cashback

2.6%effective

$454

net/year

$51/mo$161/yr feeWaived first year

4% Dining4% Transport4% Online Shopping0.4% Groceries

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UOB One Card

UOB

Cashback

2.5%effective

$407

net/year

$50/mo$193/yr feeWaived first year

5% Dining5% Groceries5% Transport (capped)5% Online Shopping (capped)

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POSB Everyday Card

DBS/POSB

Cashback

1.0%effective

$240

net/year

$20/moNo annual fee

5% Dining (capped)5% Groceries (capped)5% Transport (capped)0.3% Online Shopping (capped)

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Trust Cashback Card

Trust Bank

Cashback

1.0%effective

$240

net/year

$20/moNo annual fee

1% Dining1% Groceries1% Transport1% Online Shopping

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UOB Absolute Cashback Card

UOB

Cashback

1.7%effective

$215

net/year

$34/mo$193/yr feeWaived first year

1.7% Dining1.7% Groceries1.7% Transport1.7% Online Shopping

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Amex True Cashback Card

American Express

Cashback

1.5%effective

$189

net/year

$30/mo$171/yr feeWaived first year

1.5% Dining1.5% Groceries1.5% Transport1.5% Online Shopping

View card

Standard Chartered Simply Cash

Standard Chartered

Cashback

1.5%effective

$167

net/year

$30/mo$193/yr feeWaived first year; waived with $12k annual spend

1.5% Dining1.5% Groceries1.5% Transport1.5% Online Shopping

View card

DBS Live Fresh

DBS

Cashback

1.0%effective

$46

net/year

$20/mo$194/yr feeWaived first year

5% Dining (capped)5% Groceries (capped)5% Transport (capped)5% Online Shopping (capped)

View card

Rewards are estimates based on your inputs. Always verify with the bank before applying.

Disclaimer

Bank Picker SG is an independent tool for informational purposes only. It is not financial advice and does not constitute a recommendation to apply for any card. Rates and cashback caps shown are estimates — always verify current terms directly with the card issuer.

Your preferences

Your data never leaves your device

What are you looking for?

Pick your style — we'll show the best cards for you

Strategy

How many cards to juggle?

Total monthly card spend

How much you charge to credit cards each month

Annual income

Some cards require a minimum income

This determines which cards you're eligible for.

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