This card may look boring, but it’s a solid workhorse that gets you rewards on all kinds of day-to-day spending. You can earn 10x points (50 points per $5) on these four spending categories, whether for in-store or online transactions. Rewards for Online & Mobile Pay. Staycation hotel deals with Agoda and Klook, Activate SimplyGo to use your card as an EZ-Link. This, in turn, allows you to rack up points faster for conversion to air miles for flight tickets and other perks, making this credit card a great alternative to traditional air miles cards. Earns a whopping 5X the points on “eats and drinks”, which encompasses a huge range of purchases including restaurants, groceries, food deliveries, bars, and cafes. Remember, maximising your rewards consistently is the key to unlocking the best value over time. T&Cs apply, 10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate, 10X Rewards capped at 10,000 Points per statement month and expires every 5 years. All financial products and services are presented without warranty. From online shopping to overseas spends, here’s our pick of the best rewards credit cards that make things that much more rewarding. Upsize Your Adventures. A min. “I used to be scared of credit cards, but SingSaver.com.sg made me realise that I don’t have to worry about debt if I pay my bill on time each month. Lots of people redeem air miles with their rewards points. The rewards points you earn are also versatile. (Ignore the name – men can sign up too!). are probably the most sought-after rewards catalogue in town. Apart from the usual KrisFlyer and Asia Miles, there are frequent flyer programmes like British Airways Executive Club, Thai Airways Royal Orchid Plus and Emirates Skywards, plus hotel loyalty programmes like Starwood Preferred Guest and Hilton Honors. Also, credit cards may offer different points earn rates. Plus The Ultimate Savings Guide for COVID-19 and Beyond, for free! Annual income. However, their KrisFlyer miles are available in small denominations, as low as 1,015 miles. For diehard fans of our local shopping malls designed and managed by CapitaLand, this card is for you. PLUS offline dining and entertainment. shopping, entertainment, dining, travel) which can vary from month to month. Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. 10X UNI$ (or 20 miles) per S$5 spent on your preferred category with no min. Score $150 cashback or a Samsonite luggage (worth $670) + a $30 Lazada voucher for SingPass MyInfo applications. Yes. spend of $800 in the first month after card approval is required. Amex rewards are a travel junkie’s dream come true. These dollar values* represent the approximate amount of rewards a person can earn in cash rebate & air miles when spending S$2,000 per month for 2 years. However, categories like travel and services are excluded. bonus interest with UOB One Account, The best credit card for earning UOB rewards points, or UNI$, is the newly revamped UOB Lady’s Card. Here’s something for our travel-focused readers. Note that the cap of $1,000 a month means you can’t cash in on higher-expense occasions like long-haul travel or revamping your home. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. What’s really great about this card is that you can choose one out of 7 spending categories to earn bonus rewards in – and you can even switch categories every 3 months. Rewards program. See the full review of the HSBC Revolution Credit Card here. Earn up to 3.1 KrisFlyer miles for every S$1 spent on your everyday spend. Even the most tech-illiterate of Singaporean aunties can know their way around them. Is there a minimum age for credit card applicants? However, this amount can vary widely … The maximum bonus points you can earn is 120,000 points per 12 months, beyond which the base earn rate of 1 point per $5 will apply instead. To be eligible for this promotion, you’ll have to be a new Standard Chartered Bank cardholder and activate your new card within the first 30 days of card approval. Bus and MRT fares are charged directly to your card, so you don’t have to set up auto top-up arrangements, DBS Points earned can be redeemed for Apple products via the DBS Apple Rewards Store, NTUC, and Takashimaya vouchers, Golden Village movie tickets, and more, $150 cashback for new signups to DBS Woman's card, If you’re keen to earn DBS rewards, the DBS Woman’s World Card is your best bet if you’re the average Singaporean millennial who buys everything online. Credit cards, are no doubt, one of the basic financial tools we all need to get through the tough times. DBS Altitude Visa: Easy Annual Fee Waiver + Luxury Travel Perks. You can redeem anything from Les Amis dining vouchers to Amazon credit to cash rebates these days. All other retail spends also earn 1 point per dollar, though there’s no limit to how many points you can have in total. The selected category earns you 10x points (10 points per $5) on all transactions (within the category). Minimum effective interest rate: 26.88% p.a. spend of $80 is required. It can get tricky trying to find the best reward credit card because each bank has its own unique point system. T&Cs apply. In fact, they are actually great for travel junkies as some rewards cards outperform miles cards in earning air miles! That means it’s a great everyday card, but you earn almost nothing on purchases for hotel and flight bookings. Each quarter, you may pick one category out of seven, ranging from beauty and fashion, to travel, dining and family. Like the UOB Preferred Platinum card, there’s also an expenditure cap of $1,000 per month, so don’t go too crazy. movie tickets). No need to fuss over minimum spends or worry about caps either, because this credit card has no cap at all. (Might I suggest using the DBS Altitude Card to catch your “overflow”, since it also earns DBS Points?). spend. (Ignore the name – men can sign up too! You’ll have to be a new DBS/POSB credit cardholder and make one spend (no min. You can enjoy cash backs as rewards with these credit cards: UOB One Card: Best Flat Rebate Rate: Up to 5% rebate on all spend, S$300/quarter. It’s the only one on this list that gives you a generous welcome bonus of 24,000 Membership Rewards points. Promotion is valid till 10 January 2021. Requires annual income of $ 30,000.00 for all applicant. Unfortunately, it’s only available to women! Citibank Cash Back Card – MoneySmart Review 2021, UOB One Credit Card — “Singapore’s most generous rebate card” Now Updated with up to 10% Rebate on Daily Spend, Best 1-for-1 Hotel Buffet Dining Promotions in Singapore (Nov 2020), Best Credit Card Promotions (2020) – Free AirPods, CapitaLand Vouchers & More, Hoolah, Rely & Other Credit Card Instalment Plans to Ease Your Payment Pains. Choose from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel, Bonus 2X UNI$** (Total 12X) on Dining from 1-Jul-2020 to 30-Sep-2020, 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, High female cancer coverage of up to S$200,000 sum assured with UOB Lady's Savings Account, Up to 3.68% p.a. All rewards credit cards work in the same fundamental way: you earn points as you charge various transactions to them. Whether you are looking for a card that will reward you of dining, travel, air miles and petrol rebates, it is best to check all available options and make sure that your choice will match your needs and lifestyle. T&Cs apply. Some even offer cash rebates. If you’re after Amex rewards points, you can slowly earn them with an Amex Platinum credit card, which is mainly for dining and clubbing privileges. (But know your expenditure cap so you don’t go overboard.). UOB rewards are probably the most sought-after rewards catalogue in town. T&Cs apply10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate10X Rewards capped at 10,000 Points per statement month and expires every 5 years See all card details, 10X Rewards on all online purchases (excludes travel-related transactions). SingSaver exclusive promotion: Receive a set of Sony WF-1000XM3 Wireless Noise Cancelling Headphones (worth $349) or $300 cash via PayNow when you make a qualifying spend within 30 days of card approval. Here’s a quick look at the best entry-level rewards credit cards in Singapore and what type of spending they’re best for. UOB rewards – UOB Lady’s Card UOB rewards are probably the most sought-after rewards catalogue in town. Minimum effective interest rate: 26.8% p.a. Terms and conditions apply. This promotion is valid till 31 December 2020. Take note that you can only earn a max of 10,000 bonus points per month (equivalent to $1,000 @ 10x points). Love it.” ”, Discover for yourself the most suitable option. More categories means more money spent, and more money spent means more rewards points. “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. Eligibility requirements. If you regularly shop for fashion, bags, shoes, accessories, or laptops, tablets and other electronics, the OCBC Titanium Rewards Card could prove to be highly rewarding. The UOB Lady’s Card is a rewards credit card with a unique twist. Apart from the usual air miles, you can choose vouchers from a range of malls, boutiques and restaurants including Spa Esprit, EpiCentre, Ikea and Les Amis group. See the full review of the UOB Lady’s Card here. Online shopping promotions with Fayth, Her Velvet Vase, The Closet Lover, Senreve etc. “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. 21 years old. These cards often include customer loyalty programmes, offering higher rewards for purchases at certain merchants. Rack up enough of them and you can enjoy a whole slew of exclusive perks and privileges only available to cardholders. 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas, Cathay Cineplexes offers: S$8.50/ S$11 on movie tickets, Up to 16% discount at Caltex and Esso stations, Complimentary JetQuay Quayside single trip service and discounted trip service, Enjoy exclusive access at USD 27 per visit per person to more than 800 lounges regardless of the airline, First 2 years fee waiver for principle & supplementary cardmembers. Best Air Miles Cards Overall . Before you sign up, take note of the following fees and eligibility criteria. Go to site More info. Valid till 31 Dec 2020. While there’s no minimum spend, there is a monthly cap of $1,000. However, their KrisFlyer miles are available in small denominations, as low as 1,015 miles. I found and applied for a cashback card easily on their website. and pick a card that provides the most points accordingly. are a travel junkie’s dream come true. Here’s a 4-step guide: Step 1: Know which spending categories give you the most points. Usually there’s a variety of shopping and dining vouchers, and some have gifts like fancy whiskeys and gadgets. Whether you’re looking to earn KrisFlyer miles purely to fly Singapore Airlines for free or prefer the flexibility of earning reward points to gain discounts on hotels, shopping, dining and more, you might want to consider a KrisFlyer credit card. A rewards credit card lets you earn points, rebates, miles or other rewards on your spending. The base earn rate is 5 points per dollar for all retail purchases, which rises to 15 points per dollar (3x points) for spends in CapitaLand malls. Cashback credit cards offer perhaps the most straightforward type of reward for consumers. Unfortunately, you can only earn a max of 20,000 bonus points per 12-month period, after which you will only earn 1 point per dollar. OCBC rewards are fairly basic – the usual KrisFlyer miles and shopping vouchers at major retailers, plus dining vouchers at a better-than-average selection of restaurants. AMEX CapitaCard; DBS Esso Card; DBS Woman's Card; HSBC Revolution Credit Card A rewards credit card dedicated purely to shopping, the DBS Women’s World Card grants 10x points on online shopping (local and overseas websites), and 3x points on overseas purchases (this means in-stores transactions while in a foreign country). It allows you to choose an exclusive category of spending to earn bonus points from. There’s no cap on the amount of bonus points you can earn with this card, and all other retail spends earn 1 point per dollar spent. Make sure you have this card in your wallet as well because you get the same 10X rewards on. Convert your points to CapitaLand vouchers to offset your shopping at your favourite CapitaLand mall, whether in the heartlands or the glitzy downtown core. So if you’re a cashback credit card fanatic, you might wanna bookmark this article for future reference. With 10x points on selected upper-tier dining options, along with airport cosmetics and perfume shopping, this card is designed to be the go-to rewards card for well-heeled jetsetters who enjoy the wine-and-dine lifestyle. Through 2-factor authentication spend more than the bonus point cap, if any as. In different best rewards credit card singapore and different rates one drawback is the key to the... 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