Credit cards in Singapore are pretty competitive when it comes to the rewards and benefits you can get just for using the card. Credit cards are great for helping you save money by letting you earn free cashback and rewards such as shopping vouchers or airline miles if you pay your card bills on time and in full.

GET.com's pick of the top 10 best credit cards

Best ForCredit Card
CashbackThe American Express® True Cashback Card
Cashback, including spend in foreign currencyStandard Chartered Unlimited Cashback Credit Card
RewardsCitibank Rewards Card VISA
MilesCiti PremierMiles Visa Card
PetrolCiti Cash Back Card
GroceriesHSBC Visa Platinum Credit Card
Online shoppingStandard Chartered Spree Credit Card
DiningThe American Express® Platinum Credit Card
FamilyMaybank Family & Friends Card
Singapore Airlines regularsThe American Express® Singapore Airlines KrisFlyer Credit Card

Picking apart credit cards and fine print is what we at GET.com do best. After detailed research, we've put together a list of what we consider to be the 10 Best Singapore credit cards. In this list, you'll find cashback cards, rewards cards, travel credit cards and cards with dining perks. Just click on 'Apply Now' to go straight to the bank's secure website.

Best Credit Cards in Singapore

Best Cashback Card: The American Express® True Cashback Card

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The American Express<sup>®</sup> True Cashback Card

The American Express® True Cashback Card

APPLY NOWAt American Express' secure website
  • American Express Selects gives you exclusive dining privileges all around the world, all year round.
  • As an introductory offer you will enjoy 3% Cashback on up to a total of $5,000 spend for the first 6 months plus a fee waiver for the first year.
APPLY NOWAt American Express' secure website
24.99% p.a.S$171.20 (inclusive of GST) First Year Fee WaiverFor Singapore Citizens and Residents, you have earnings which provide an income of over $30,000 p.a.

The American Express® True Cashback Card is a cool cashback credit card to get if you earn $30,000 or more per year. This card lets you earn 1.5% cashback on all your purchases in local SGD currency, with no minimum required spending and no limit to how much cashback you can earn! As an introductory offer, you will receive 3% cashback on up to $5,000 spend in the first 6 months as well as a fee waiver for the first year. This card doesn't come with a lot of benefits, but you do get privileges through the American Express Selects programme and the Global Dining Programme which offer special discounts and perks for dining, shopping and entertainment at select merchants in Singapore and worldwide. This is the best card to use if you want to earn a good rate of cashback (1.5%) for all your spending, without having to worry about spending a minimum amount every month. This simple cashback card has a $171.20 annual fee (waived for the first year).

Read our The American Express® True Cashback Card review to find out more.

Best Cashback Card: Standard Chartered Unlimited Cashback Credit Card

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Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

APPLY NOWAt Standard Chartered's secure website
  • Apply now to get S$100 cashback or S$150 in Prime Now Credits. Available 1 September 2018 to 31 January 2019, if you are a new credit cardholder. Plus, up to an additional S$100 when you spend on your new card. Available from 3 October 2018 to 14 February 2019, terms and conditions apply.
  • 1.5% cashback on all spend.
  • No cashback cap, no minimum spend.
APPLY NOWAt Standard Chartered's secure website
Get cash at 0%* p.a. interest for 6 months at a 1.99% processing fee (EIR from 4.12% p.a.) on the approved loan amount when you transfer funds from your Standard Chartered Credit Card. Visit on.sc/funds-transfer. T&Cs apply. With Funds Transfer, you can (i) transfer funds into any bank's current or savings account; (ii) pay your credit card bills from other banks; and (iii) pay your loan from other banks.25.9% per annum$192.60 w/GST (waived for first 2 years)Singapore Citizens and Permanent Residents: S$30,000, Foreigners with Employment Passes: S$60,000

Standard Chartered Unlimited Cashback Credit Card is another excellent cashback credit card that lets you earn unlimited cashback the easy way. This card lets you earn a flat rate 1.5% cashback on all eligible spending with no cashback cap and no minimum spend. What's even more awesome is that you will also earn cashback on foreign currency spend. For those who take public transport, this card doubles up as your EZ-Link card. While it does not offer a ton of extra perks, you can benefit from the 1-for-1 privileges Standard Chartered's partners offer, as well as the many benefits that come with Standard Chartered's The Good Life® programme. This cashback credit card has a $192.60 w/GST annual fee (waived for the first 2 years).

Learn more about Standard Chartered Unlimited Cashback Credit Card here.

Best Rewards Card for Fashion: Citibank Rewards Card VISA

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Citibank Rewards Card VISA

Citibank Rewards Card VISA

APPLY NOWAt Citibank's secure website
  • Apply now and get up to S$120 cash back as you spend. Valid for online applications from 1st July 2018 to 31st December 2018 (both dates inclusive), new Citi cardmembers only.
  • Earn 10X Rewards (10 points or 4 Miles for every S$1 spent) when you shop for clothes, bags and shoes or at departmental stores or online shopping websites*.
  • Earn up to 10% Citi Rebate at over 300 locations (including Starbucks and Sheng Siong) on top of your other card benefits.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with an upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan26% p.a.$192.60 waived the first yearS$30,000 per annum (Singaporeans and PRs); S$42,000 per annum (Foreigners)

Citibank's flagship rewards credit card is an attractive option if you spend a lot of money on fashion. With this card you can get either 10X Rewards Points or 4 Miles for every $1 that you spend on clothes, bags and shoes or at department stores and online shopping websites. The one catch is that you earn these 10X points up to a cap of 120,000 points annually - but that is still a lot of points. Points can be redeemed for cashback, shopping vouchers, dining vouchers and even miles. This card also gives you discounts (up to 40%) when you shop online at popular retailers (Zalora, Blue Nile, UNIQLO and more). You can apply for this card if you earn $30,000 or more per year. This fashion rewards credit card has an annual fee of $192.60, waived the first year.

Read our Citibank Rewards Card VISA review to find out more.

Best for Double Miles Overseas: Citi PremierMiles Visa Card

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Citi PremierMiles Visa Card

Citi PremierMiles Visa Card

APPLY NOWAt Citibank's secure website
  • Earn 30,000 Citi Miles* when you apply for a Citi PremierMiles Visa Card and spend S$7,500 within 3 months from date of card approval. Promotion is valid till 31 January 2019. Subject to payment of 1st year card annual fee.
  • Earn up to 10 Citi Miles per S$1 spend on online travel bookings. Pay directly with miles for flights, hotels and more.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan.26% per annum$192.60 (first year annual fee waiver)S$30,000 for Singaporean, Singapore PR; and S$42,000 for Foreigners

Citi PremierMiles Visa Card is a credit card from Citibank that rewards you with 2 Citi Miles for each $1 of purchases you make overseas, and 1.2 Citi Miles for every $1 that you spend in Singapore. This card made it to our top 7 because it lets you earn up to 10 Citi Miles per $1 spent on online travel bookings. Citi Miles are very flexible as you can redeem them for travel on over 70 airlines worldwide. Earn 10,000 bonus Citi Miles every time you renew your card membership. Since Citi Miles do not expire, it's easy to save up towards a big trip. Citi miles can be converted at a 1:1 rate to many frequent flyer programmes, including KrisFlyer, Royal Orchid Plus, Etihad Guest and SkyMiles (a $25 conversion fee applies). You can also redeem your miles toward travel related purchases in Singapore and select locations overseas. Take advantage of complimentary access to any of more than 600 Priority Pass airport lounges twice a year. When you charge travel bookings to this card, you get top insurance coverage like travel accident insurance, medical assistance, baggage loss or delay, flight delay and trip interruption/cancellation coverage. If you earn at least $30,000 per annum, you can apply. This card has a $192.60 annual fee (first year waived) annual fee for the principal card and no annual fee for a supplementary card.

Read our Citi PremierMiles Visa Card review to find out more.

Best Cashback Card for Petrol, Grocery, Dining Savings: Citi Cash Back Card

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Citi Cash Back Card

Citi Cash Back Card

APPLY NOWAt Citibank's secure website
  • Apply now and get up to S$120 cash back as you spend. Valid for online applications from 1st July 2018 to 31st December 2018 (both dates inclusive), new Citi cardmembers only.
  • Petrol: up to 20.88% fuel savings at Esso & Shell, and 8% cash back at petrol stations worldwide.
  • Dining: 8% cash back at restaurants, cafés, bars worldwide daily.
APPLY NOWAt Citibank's secure website
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan.26% per annum$192.60 (first year annual fee waiver)For Singaporeans and PRs, minimum annual income of $30,000, for foreigners $42,000.
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  • High cash back rates only if you accumulate a total retail spend of S$888 or more in a statement month.
  • Base cash back rate stands at 0.25%. Additional 7.75% cash back on Dining, Groceries & Petrol spend is capped at S$25 cash back per category per statement month.

Citi Cash Back Card is an excellent all-round cashback credit card for people who prefer charging everything to the same credit card. This credit card lets you earn a whopping 8% cashback on petrol, groceries, dining so long as you accumulate a total retail spend of $888 or more in a statement month. If you drive, you will appreciate that this credit card lets you save up to 20.88% fuel at Esso and Shell petrol stations in Singapore. To take things up a notch, Citibank throws in rotating promotions for its exclusive 20% cashback offers, so make sure to check online periodically! The only thing you need to keep in mind besides the minimum spend requirement is that the cashback you can earn is capped at $25 cash back per category per statement month. However, this card does let you earn unlimited 0.25% cash back on all other retail spend charged to your Citi Cash Back Card. This cashback credit card has a $192.60 annual fee, waived for the first year.

Read our Citi Cash Back Card review to find out more.

Best Cashback Card for Groceries, Petrol & Local Discounts: HSBC Visa Platinum Credit Card

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HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

APPLY NOWAt HSBC's secure website
  • Welcome gift for new cardholder: Choice of American Tourister Caravan 70cm TSA luggage worth S$260 or S$100 cash back (Must not hold any existing Card*; Did not cancel any Card within last 12 months*; and Charge a minimum of S$600 in Qualifying Transactions within a month of Card Account Opening Date.) | Welcome gift for existing cardholder: S$50 cash back ( Existing Card must be issued more than 24 months earlier*; Did not cancel any Card within last 12 months*; and Charge a minimum of S$600 in Qualifying Transactions within a month of Card Account Opening Date.).
  • Up to 5% cash rebates on groceries.
  • Up to 5% cash rebates on petrol.
APPLY NOWAt HSBC's secure website
2.50% p.a. for 6 months on balance transfers or 4.88% p.a. for 12 months on balance transfers both with a processing fee of $8825.9%$180 (First 2 years waiver)S$30,000 for Singaporeans and Permanent Residents. S$40,000 for self-employed and foreigners.

HSBC Visa Platinum Credit Card comes with a lot of HSBC benefits and privileges at restaurants and merchants across Singapore. Discounts and deals you can get cover everything from Resorts World Sentosa to travel, dining, movies, and medical care. As long as you spend a minimum of $400 per month for all 3 months in a quarter, you can earn 3% cashback on petrol and grocery shopping, and 1% cashback on dining. If you spend $800 per month for all 3 months in a quarter, you will earn 5% cashback on grocery and petrol purchases, and 2% cashback on dining purchases. Plus, you earn 1 point for each $1 spent with your card, and you can redeem these points for travel, experiences, merchandise and more. Points are valid for 3 years from the time you earn them. Save on fuel with up to 16% instant discount at Caltex and Shell stations. As a welcome gift, Receive up to $160 cashback, $120 for new customers / $50 for existing customers (with minimum $600 on eligible spend within a month of opening the card account). Additional $20 for supplementary card sign up. Additional $20 for online sign up. If you earn $30,000 or more per year you can apply for this card, which has a $180 annual fee (waived for 2 years).

Read our HSBC Visa Platinum Credit Card review to find out more.

Best for Online Shopping: Standard Chartered Spree Credit Card

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Standard Chartered Spree Credit Card

Standard Chartered Spree Credit Card

APPLY NOWAt Standard Chartered's secure website
  • Apply now to get S$100 cashback or S$150 in Prime Now Credits. Available 1 September 2018 to 31 January 2019, if you are a new credit cardholder. Plus, up to an additional S$100 when you spend on your new card. Available from 3 October 2018 to 14 February 2019, terms and conditions apply.
  • Up to $60 cashback monthly, no min spend.
APPLY NOWAt Standard Chartered's secure website
Get cash at 0%* p.a. interest for 6 months at a 1.99% processing fee (EIR from 4.12% p.a.) on the approved loan amount when you transfer funds from your Standard Chartered Credit Card. Visit on.sc/funds-transfer. T&Cs apply. With Funds Transfer, you can (i) transfer funds into any bank's current or savings account; (ii) pay your credit card bills from other banks; and (iii) pay your loan from other banks.25.9% per annum$192.60 including GST (waived for first 2 years)S$30,000 p.a. (Singaporeans and PR), S$60,000 p.a. (Foreigners with Employment Passes)
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  • The maximum Cashback awarded for any month is capped at S$60 per SingPost Spree Card account.

Standard Chartered Spree Credit Card could be the card for you if you do your shopping online predominantly. This credit card lets you earn 3% cashback on all online spends in foreign currency and all vPost spends; 2% cashback on all online spends in local currency as well as all contactless and mobile payments. All other retail spends charged to your Standard Chartered Spree Credit Card will earn you 1% cashback. The maximum Cashback awarded for any month is capped at $60 per SingPost Spree Card account. This cashback credit card has a $192.60 annual fee (waived for first 2 years).

Learn more about Standard Chartered Spree Credit Card here.

Best for Dining Perks: The American Express® Platinum Credit Card

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The American Express<sup>®</sup> Platinum Credit Card

The American Express® Platinum Credit Card

APPLY NOWAt American Express' secure website
  • Receive 1 night stay at Swissotel The Stamford Singapore upon payment of annual fees. Spend S$4,500 within 3 months of Card approval and receive Samsonite Sigma 76cm Expandable Spinner.
  • Love Dining @ Hotels offers you Savings of up to 50%* on food bills for unlimited visits at selected 5 star hotels around Singapore.
  • As part of the Love Dining @ Hotels programme, receive a complimentary The Far Card Classic Membership worth S$425 (inclusive of GST), which offers accommodation experiences as well as year-round savings of up to 50% on dining. The Far Card Classic Membership entitles you to special savings for unlimited visits at your choice of restaurants at Fairmont Singapore, Swissotel The Stamford Singapore and Swissotel Merchant Court.
  • S$20 CapitaVouchers for each approved supplementary, capped at S$40 CapitaVouchers per Card Member.
APPLY NOWAt American Express' secure website
24.99% p.a.S$321S$50,000 p.a. (S$60,000 p.a. for expatriates)

The American Express® Platinum Credit Card is a fantastic card for those of you who like to eat out. With Love Dining @ Restaurants privileges, you will get up to 50% savings on food orders at a selection of popular restaurants at some of the trendiest places to eat in Singapore. The downside of this card is the high $321 annual fee. Apart from dining privileges this card also comes with a great bonus offer that lets you receive a B&O Play H5 by Bang & Olufsen. You can also receive a 2D1N Stay at Dorsett Singapore when you spend $5,000 within the first 6 months of Card Approval and a Samsonite Sigma 76cm Expandable Spinner worth $600 after spending an additional $2,500 within the first 6 months.

Read our The American Express® Platinum Credit Card review to find out more.

Best for Family: Maybank Family & Friends Card

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Maybank Family & Friends Card

Maybank Family & Friends Card

APPLY NOWAt Maybank's secure website
  • Apply for 2 new Maybank Credit Cards and CreditAble, and charge a minimum of S$500 to your Credit Card and/or withdraw from your CreditAble Account within the first two months of approval to receive Samsonite Orfeo 69cm Spinner worth S$420.
  • Earn 8% cash rebates on groceries, transport and selected merchants with min. S$1,000 spend per calendar month.
  • Otherwise, earn 5% cash rebates at the same merchants with min. S$500 spend per calendar month.
APPLY NOWAt Maybank's secure website
24% p.a.S$80S$30,000 for Singapore Citizen or Singapore Permanent Resident
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  • 24% interest per annum for purchases.

Maybank Family & Friends Card is the credit card you want to pay attention to for it delivers solid rewards earning potential minus the usual $200-ish annual fee that you need to fork out if you were to use other credit cards. This credit card has an $80 annual fee, waived for the first three years. Maybank Family & Friends Card lets you earn 8% cash rebates on groceries, transport and selected merchants with a minimum $1,000 spend per calendar month. Families will benefit from using this credit card because the 8% cash rebates are available year-round, and the categories include groceries, transport and petrol, leisure and attractions, learning and retail, health and wellness, and fast food delivery. Your household spends less than $1,000 monthly? Fret not, you will earn 5% cash rebates at the same merchants so long as you accumulate a minimum spend of $500 per calendar month. You will also earn unlimited 0.3% cash rebates on all other purchases charged to your card.

Read our Maybank Family & Friends Card review to find out more.

Best for Singapore Airlines frequent flyers: The American Express® Singapore Airlines KrisFlyer Credit Card

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The American Express<sup>®</sup> Singapore Airlines KrisFlyer Credit Card

The American Express® Singapore Airlines KrisFlyer Credit Card

APPLY NOWAt American Express' secure website
  • Spend S$3,000 within 3 months of Card approval and receive 7,500 bonus miles.
  • 1,500 bonus miles for each approved supplementary, capped at 3,000 bonus miles per Card Member.
APPLY NOWAt American Express' secure website
24.99% per annum$176.55 (waived 1 year)$30,000 for Singapore Citizens and Permanent Residents ($60,000 for expatriates)

The American Express® Singapore Airlines KrisFlyer Credit Card may be the ideal credit card for you if you fly frequently on Singapore Airlines and/or SilkAir. Unlike other air miles credit cards in Singapore, you will enjoy hassle-free conversion as all KrisFlyer miles earned with your card will be conveniently credited directly into your KrisFlyer account - no conversion, no transferring here and there, and no extra fees involved. This credit card lets you earn 1.1 KrisFlyer mile for every S$1 spent on all your eligible purchases with your Card and 2 KrisFlyer miles for every S$1 spent on eligible purchases made on singaporeair.com, silkair.com, KrisShop and at SilkAir SkyShop, both in-flight and online. You will also get to earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December. Besides offering travel inconvenience and travel accident coverage, fraud protection benefits, you will also enjoy exclusive Hertz privileges worldwide and up to 50% savings with American Express Selects® at a wide selection of restaurants locally and around the world.

The American Express® Singapore Airlines KrisFlyer Ascend Credit Card is another credit card you can consider if you are on the lookout for an even more rewarding credit card for frequent travels on Singapore Airlines.

Read our The American Express® Singapore Airlines KrisFlyer Credit Card review to find out more about The American Express® Singapore Airlines KrisFlyer Credit Card.