Types of credit card rewards programs in Singapore. , which is mainly for dining and clubbing privileges. 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. may be well known in Singapore, but its catalogue really isn’t the most impressive. Not everyone will be able to apply for these cards. shopping, entertainment, dining, travel) which can vary from month to month. 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. Annual fee: $192.60 (first two years free), Annual income: $30,000 (Singaporean), $45,000 (Foreigners with valid employment pass). Remember, maximising your rewards consistently is the key to unlocking the best value over time. Best Rewards Credit Cards for Cashback: UOB One: Highest flat rebate on the market, earn up to $300/qtr. Like the UOB Preferred Platinum card, there’s also an expenditure cap of $1,000 per month, so don’t go too crazy. spend of $80 is required. Frequent flyers looking for new ways to earn miles might be interested in the new Standard Chartered Rewards+ Card, which rewards overseas spending (or online purchases in foreign currency) at a very good earn rate of $1 = 2.9 miles or 10X rewards. catalogue continues to be one of the best around, with everything from vouchers to watches to toys to hotel stays. This card lets you earn 10x points (10 points per dollar spent) for food and grocery deliveries, as well as all online shopping spends — very useful for those pursuing a WFH lifestyle. Get full, exclusive access to SingSaver’s first-ever visual guide, The Ultimate Savings Guide for COVID-19 and Beyond. KrisFlyer. SingSaver promotion for Maybank credit cards: From now till 31 December 2020, get $100 in cashback when you apply for one of seven participating Maybank credit cards (for new Maybank cardmembers only). OCBC Cashflo Credit Card; POSB Everyday Card ; Best Rewards Credit Cards. Score $150 cashback or a Samsonite luggage (worth $670) + a $30 Lazada voucher for SingPass MyInfo applications. In addition, the catalogue has a smallish selection of gift cards, dining vouchers and gifts. See the full review of the UOB Lady’s Card here. But my favourite ones are Dining and Travel. Apart from the usual KrisFlyer and Asia Miles, there are frequent flyer programmes like British Airways Executive Club, Thai Airways Royal Orchid Plus and Emirates Skywards, plus hotel loyalty programmes like Starwood Preferred Guest and Hilton Honors. If you regularly spend more than the bonus point cap, it might be best to switch to a card with a higher limit. Apply Now . aren’t the most astounding in terms of variety, but the catalogue is lovely and well-curated. (e.g. Typically, there is no minimum spend required to earn points, so you’ll accrue points as long as your transaction is eligible. Upsize Your Adventures. Some provide additional points on specific spending categories, such as dining or fashion. Best Travel Credit Cards in Singapore by Estimated 2-Year Dollar Value. Are you sick and tired of tracking your expenses to the very cent in order to maximise your returns from a cashback card? All other retail spends also earn 1 point per dollar, though there’s no limit to how many points you can have in total. You can redeem anything from Les Amis dining vouchers to Amazon credit to cash rebates these days. However, for bonus points (any transaction that gives more than 1x points) there is usually a cap on how many points you can earn in a specific period. Choose from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel, Bonus 2X UNI$** (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. Then pick out the cards with the best rewards, in terms of miles, points, cashback or discount, for your two or three largest spending categories. Most rewards cards have no minimum spending requirements, so you don’t have to agonise over your expenses and track them in a spreadsheet. No need to fuss over minimum spends or worry about caps either, because this credit card has no cap at all. This card offers you 10x points (10 points per dollar) for shopping or dining transactions made overseas. “ “I’ve always thought about getting a travel credit card, but I didn’t know which one to get. Unfortunately, it’s only available to women! Some content may be compensated through third-party advertisers. Credit cards that are more difficult to get include the ones with higher annual income requirements that can range from S$80,000 to S$200,000. 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. Read on to find out how to choose the best credit card for high income earners and decide which card is right for you. Maybank Family & Friends MasterCard: Top Rebates in SG & MY: Best for rebates in SG & MY w/ S$500 min. For example, you earn Citi Dollars on Citibank Rewards Card, STAR$ on Amex CapitaCard and Rewards points on HSBC Revolution Card - just to name a few. Valid till 31 Dec 2020. – 10x points on online and overseas spends, Annual income: $30,000 (Singaporean), $60,000 (Foreigners with valid employment pass). Step 4: When you have enough points, redeem stuff you want from the rewards catalogue. Combine that with the generous bonus point cap of 1,800 points per month (equivalent to $9,000 spend) and you are sure to reap as many points as possible. Rewards. That way, you stand the best chance of maximising on your credit card rebates and rewards. Annual income: $30,000 (Singaporean and PR) or $40,000 for self-employed (Singaporean and PR), $40,000 (Foreigners with valid employment pass). Locally, you’ll get 5x points for dining at local establishments, including fast food outlets and caterers. In fact, they are actually great for travel junkies as some rewards cards outperform miles cards in earning air miles! Is there a minimum age for credit card applicants? The Citibank rewards catalogue continues to be one of the best around, with everything from vouchers to watches to toys to hotel stays. movie tickets). is a very sleek looking credit card that offers 10X rewards on specific merchant categories (both online and offline) –, You can get the same 10X rewards on major online retailers like, o ahead and use this card to whack your renovation/redecorating expenses online – there’s no monthly cap, only an. So go ahead and use this card to whack your renovation/redecorating expenses online – there’s no monthly cap, only an annual cap of $12,000. T&Cs apply10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate10X Rewards capped at 10,000 Points per statement month and expires every 5 years See all card details, 10X Rewards on all online purchases (excludes travel-related transactions). Whether you are looking for a card that will reward you of dining, travel, air miles and petrol rebates, it is best to check all available options and make sure that your choice will match your needs and lifestyle. The best credit card for earning UOB rewards points, or UNI$, is the newly revamped, If you buy a lot of stuff online, you’ll appreciate the 10X rewards on. Redeem rewards with OCBC$ earned on your Best Denki Credit Card via OCBC Rewards Catalogue. Online spending includes travel bookings (flights, hotels, activities like Klook), daily essentials (online groceries, food delivery, GrabPay credits) and online shopping. Plus The Ultimate Savings Guide for COVID-19 and Beyond, for free! DBS Altitude Visa: Easy Annual Fee Waiver + Luxury Travel Perks. The best cashback credit cards in Singapore help you save money on your daily spending in a convenient and easy way. While there’s no minimum spend, there is a monthly cap of $1,000. T&Cs apply. The best thing about this card is that you get a respectable 5X rewards on a very wide range of online spend – including flights, food delivery, movies, even insurance premiums…. That makes them good for “fun” spending (e.g. 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. Or frustrated by how you can never seem to get enough points on your air miles card for that dream trip to Europe? SCB - Apple AirPods Gen 2 or S$300 Grab Vouchers, HSBC - Samsonite Prestige 69cm Spinner Exp or S$150 Cashback, Best Personal Accident Insurance Policies, See All Personal Accident Insurance Articles, full review of the UOB Preferred Platinum Card, full review of the HSBC Revolution Credit Card. Getting a card with a plethora of local rewards such as the OCBC Best Dinki Credit Card, which gives you rewards on electronics purchased in local stores, Best Dinki, might not cut the mustard if you aren’t even in Singapore to earn those points in the first place. Convert your points to CapitaLand vouchers to offset your shopping at your favourite CapitaLand mall, whether in the heartlands or the glitzy downtown core. Promotion is valid till 10 January 2021. The UOB PRVI Miles Card is recognised to be one of the best air miles cards in Singapore, thanks to its generous earn rate of 1.4 miles per dollar (local) and 2.4 miles per dollar (overseas). DBS rewards may be well known in Singapore, but its catalogue really isn’t the most impressive. Find the best credit cards in Singapore. The one category that I wish the UOB Lady’s Card had is Online spending. Here are some of the best rewards credit cards for you to consider: Citi Rewards: 10X Rewards on online and shopping purchases, groceries and private hire rides DBS Woman’s World: 10X DBS Points (or 20 miles) on online purchases All rights reserved. If so, you may be a seasonal spender, and might find this credit card an ideal fit. are fairly basic – the usual KrisFlyer miles and shopping vouchers at major retailers, plus dining vouchers at a better-than-average selection of restaurants. Earn bonus points simply for shopping at CapitaLand Malls, and even more at selected partner merchants. Apply Now . The SCB Rewards+ Credit Card is a great card for those who like to maximise the value of their overseas spends (including online transactions in foreign currencies). You’ll have to be a new DBS/POSB credit cardholder and make one spend (no min. Look out for partner promotions to earn a max of 65 points per dollar when you spend at participating outlets in CapitaLand malls (50 points from participating outlets, and 15 points for spending in a CapitaLand mall). SingSaver Promotion: Get $150 cash credit when you apply as a new UOB cardmember and make a minimum spend of $1,500. Promotion is valid till 10 January 2021, T&Cs apply. If you regularly shop for fashion, bags, shoes, accessories, or laptops, tablets and other electronics, the OCBC Titanium Rewards Card could prove to be highly rewarding. This allows you to keep maximising your points, even as your spending habits shift throughout the year. Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences! you earn almost nothing on purchases for hotel and flight bookings. Compare the Best Shopping Rewards Credit Cards by Dollar Value. 10x OCBC$ (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. Also, this card comes with no annual fee for life! Terms and conditions apply. Apart from the usual air miles and vouchers, there are some nice premium gifts like Jura Coffee Machines, Fitbits, Bang & Olufsen devices and a mini Segway. 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. Additionally, 10x points also applies for food delivery, online shopping and contactless payments. With rewards cards, points are the name of the game. Your cashback is credited to your account automatically, so you don’t need to worry about points expiring, or the loss of accumulated rewards due to account closure. and pick a card that provides the most points accordingly. Some even offer cash rebates. © 2009-2020 MoneySmart. (Visa payWave), which is available practically everywhere now. 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. Requires annual income of $ 30,000.00 for all applicant. It can get tricky trying to find the best reward credit card because each bank has its own unique point system. movie tickets). The UOB Lady’s Card is a rewards credit card with a unique twist. Minimum age. (If you’re disqualified, skip to the next section for the comparable UOB Preferred Platinum Card.). You can also pay for Amazon purchases with rewards points, a nice way to use leftover points that are just rolling around. Best Rewards Credit Cards for Cashback. Rewards credit cards are all about the points. S$45,000 and above for foreigners. Check the expiry date of your points too, so you don’t get a nasty shock when you try to redeem stuff. You should therefore consider your spending habits (where you usually shop, what you spend on, etc.) But let’s face it, it’s the travel section that really shines. A rewards credit card lets you earn points, rebates, miles or other rewards on your spending. Yet that marks your credit file, affecting your ability to get future credit. 21 years old. Go to site More info. The best credit card is the one that compliments your spending habits and allows you to maximise the cashback you can earn. However, their KrisFlyer miles are available in small denominations, as low as 1,015 miles. After all, Singaporeans <3 collecting points and redeeming them. Amex rewards are a travel junkie’s dream come true. At first glance, it may seem odd that the Maybank World Mastercard focuses on a narrow subset of dining and shopping experiences. See the full review of the HSBC Revolution Credit Card here. Best UOB Credit Cards In Singapore (2020), Best American Express Credit Cards In Singapore (2020), – 10x points on shopping, ride-hailing, online food and groceries, Online shopping, food and groceries delivery, – 10x points on overseas retail, dining and travel, Overseas dining and other spends, local dining, – 10x points on shopping, department store and online spends (local or overseas), Fashion, shoes, accessories and electronics, – 10x points on online shopping, food delivery, travel and contactless transactions, Contactless payments, online shopping, food delivery, travel, – 10x points at participating outlets at CapitaLand Malls, 10x points on selected dining, fashion and airport duty-free cosmetics and perfumes. 29,800 points and more Annual fee. AMEX CapitaCard; DBS Esso Card; DBS Woman's Card; HSBC Revolution Credit Card Take note that you can only earn a max of 10,000 bonus points per month (equivalent to $1,000 @ 10x points). With the wide array of businesses and services available online these days, this credit card could be earning you serious points. Step 3: Rewards points are magically credited to your account. Now, the Citibank Rewards Card offers 10X ($1 = 4 miles) rewards on shoes, bags and clothes (both online and offline), department stores and all online shopping, excluding travel-related purchases. These days, there’s a lot more in banks’ rewards catalogues than boring old shopping vouchers. A second factor to consider is the cap on bonus points imposed on your card. See the full review of the Citibank Rewards Card here. 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. American Express Singapore Airlines KrisFlyer Credit Card. This promotion is valid for the first 200 new UOB cardmembers from now till 31 December 2020. As with the other cards on the list, there’s no cap on the base earn rate of 5 points per dollar, which kicks in after the bonus point cap is reached for the month. Fortunately, there’s another UOB card with equivalent points for that: The UOB Preferred Platinum Card. Receive $100 CapitaVoucher when you make a min. T&Cs apply. The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. Love Dining @ Hotels offers you exceptional year-round privileges and savings of up to 50% on food bills at selected restaurants in some of the best luxury hotels around Singapore. Best Air Miles Cards Overall . Be aware, though, that there’s a monthly cap of $1,000 so you can’t go too wild. If you buy a lot of stuff online, you’ll appreciate the 10X rewards on shopping, groceries, food delivery and entertainment (e.g. It allows you to choose an exclusive category of spending to earn bonus points from. Credit cards, are no doubt, one of the basic financial tools we all need to get through the tough times. Narrow down your choice by comparing the cost (annual fee) and other benefits that come with these selected cards, until you find the card that is the best fit for you. You can earn 10x points (50 points per $5) on these four spending categories, whether for in-store or online transactions. You can get the same 10X rewards on major online retailers like Amazon, Lazada, Taobao and AliExpress. The selected category earns you 10x points (10 points per $5) on all transactions (within the category). If you fancy the idea of redeeming rewards in the form of vouchers for movies, shopping, dining, hotel stays and air miles, then these rewards credit cards may be something worth considering. Rack up enough of them and you can enjoy a whole slew of exclusive perks and privileges only available to cardholders. That’s pretty much everything young working adults in Singapore spend on. T&Cs apply. 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. 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. You may click the links to apply for respective bank cards and get the reward now! Simply charge your spend to a cashback card, and you automatically […]The post Best Cashback Credit Cards In Singapore 2020 appeared first on SingSaver Blog - We Compare, You Save. Best for. A min. UOB rewards are probably the most sought-after rewards catalogue in town. Women who like to choose their own rewards. Compare the Best Credit Cards for High Earners in Singapore by Dollar Value. Here’s a quick look at the best entry-level rewards credit cards in Singapore and what type of spending they’re best for. More details here. Rewards program. Maybank Horizon Visa Signature Card stands out as one of the best miles credit cards for everyday spenders because consumers can earn high rewards rates for both local and overseas spend. However, this amount can vary widely … Enjoy Love Dining @ Restaurants privileges which offers up to 50% savings on food orders at a handpicked selection of popular restaurants. 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. Best for. Best for. SingSaver.com.sg’s comparison tool helped me decide on an air miles card in 10 minutes.” ”, “ “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. Get your full, exclusive copy of The Ultimate Savings Guide for COVID-19 and Beyond, including tips on reducing unnecessary expenses, creating additional income streams and more! are a travel junkie’s dream come true. Here’s a quick look at the best entry-level rewards credit cards in Singapore and what type of spending they’re best for. is your best bet if you’re the average Singaporean millennial who buys everything online. Maybe in the first half of the year, most of your money goes to birthdays and presents, while in the later half you tend to spend more on travel and holidays. Bank's T&Cs apply10X Rewards on Ride-hailing, Shopping and Online spends. Online shopping promotions with Fayth, Her Velvet Vase, The Closet Lover, Senreve etc. These points can be used in different ways, such as converting them into air miles, voucher redemptions, claiming of exclusive products, or even to offset your credit card statement. “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. You may encounter earn rates of 1 point per dollar, 5 points per dollar, 1 point per $5, or any combination thereof. To be honest, Standard Chartered rewards aren’t too exciting, mostly vouchers at chain restaurants and a few department stores and malls. Frequent flyers looking for new ways to earn miles might be interested in the new, You also get 5X rewards ($1 = 1.45 miles) on. UOB rewards – UOB Lady’s Card UOB rewards are probably the most sought-after rewards catalogue in town. The details you see on our site may be different from others. Citi Rewards Credit Card; Standard Chartered Rewards+; OCBC Titanium Rewards Card; HSBC Revolution; American Express CapitaCard; Maybank World MasterCard; UOB Lady’s Platinum Card; DBS Woman’s World Card; Best rewards credit cards in Singapore Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You? Got a credit card rewards hack to share? But of course, the usual air miles and major shopping mall vouchers are there. You can grow and maintain your stash of points, then dip into them to meet your needs when necessary. 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. Love it.”, Maybank Horizon Visa Signature Credit Card, Standard Chartered Unlimited Cashback Card, Allianz Global Assistance Travel Insurance, Standard Chartered Bank Rewards+ Credit Card, Best Cashback Credit Cards In Singapore 2020, Top Credit Card Promotions And Deals On SingSaver. However, categories like travel and services are excluded. Fees . Beauty deals with Laneige, Skin Inc, Strip, Browhaus, High Brow etc. The maximum bonus points you can earn is capped at $2,000 per month, which is one of the higher limits on the list. Best overall rewards credit card The American Express Cobalt. So if you’re a cashback credit card fanatic, you might wanna bookmark this article for future reference. Picks for best rewards credit cards you 've the best chance of getting, in your application to qualify high... Of your points, even as your spending habits and allows you to maximise your returns from a cashback?. Your own personal best-buy table ( no min cards in Singapore spend on of... 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