A rewards credit card lets you earn points, rebates, miles or other rewards on your spending. These cards often include customer loyalty programmes, offering higher rewards for purchases at certain merchants. Using a rewards card is one of the easiest ways to get more out of your spending, whether on purchases at supermarkets, online, overseas shopping, restaurant dining, entertainment or night life. Many credit cards in Singapore now offer some kind of rewards, and you can take advantage of these to save on purchases that suit your lifestyle.

GET.com's best rewards cards

Best ForCredit Card
Dining and EntertainmentHSBC's Revolution Credit Card
Fashion ShoppingCitibank Rewards Card VISA
All roundCiti Cash Back Card
GroceriesHSBC Visa Platinum Credit Card
HotelsThe American Express® Platinum Credit Card
Cash BackHSBC Advance Credit Card
TravelCiti PremierMiles Visa Card

Below are the Best Rewards Credit Cards in Singapore for 2018, as rated by the GET.com editorial team!


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
HSBC's Revolution Credit Card

HSBC's Revolution 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.).
  • 5x Rewards on online transactions, local dining transactions, local entertainment transactions.
  • Earn 1 Rewards point with every S$1 you spend on all other transactions.
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% p.a.S$150 waived for the first 2 yearsS$30,000 p.a. (Singapore Citizens and PR)


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
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.


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
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)


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
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.
We least like
  • 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.


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
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)


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
HSBC Advance Credit Card

HSBC Advance 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.).
APPLY NOWAt HSBC's secure website
0.8% p.a. for 6 months* on balance transfers25.9%$192.60, Waived for HSBC Advance CustomersS$30,000 p.a. (Singapore Citizens and PR) S$40,000 p.a. (Foreigners and Self Employed)


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
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