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.
New Cardholder can receive choice of Samsonite Prestige 69cm Spinner Exp with built-in scale worth $670 or $150 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. || Existing Cardholder will receive $30 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. Existing HSBC Credit Card must be issued more than 12 months earlier. Valid from 1st April 2020 till 30 June 2020.
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.
5x Rewards on online transactions (e.g. airline/movie/concert tickets, hotel/travel/taxi bookings, food orders, insurance premiums, and online shopping sites.)
5x Rewards on local dining transactions, excluding dining merchants within hotels (e.g. restaurants, cafes, and fast food outlets.)
5x Rewards on local entertainment transactions, excluding entertainment merchants within hotels (e.g. clubs, pubs, bars and family KTVs.)
5x Rewards points is equivalent to 2 air miles for every dollar spent
No minimum spend required and no limit on points earned
Enjoy 1-for-1 dining offers, movie ticket discounts, travel specials, petrol savings and more.
Enjoy over 1,000 Entertainer 1-for-1 deals on HSBC Singapore Mobile Banking App
Save up to S$10,000 on your HSBC Credit Card today
New Cardholder can receive choice of Samsonite Prestige 69cm Spinner Exp with built-in scale worth $670 or $150 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. || Existing Cardholder will receive $30 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. Existing HSBC Credit Card must be issued more than 12 months earlier. Valid from 1st April 2020 till 30 June 2020.
Up to 5% cash rebates on groceries.
Up to 5% cash rebates on petrol.
5% cash rebate on selected recurring mobile/cable TV/Internet bills
Up to 5% cash rebates on groceries at all local grocery stores and supermarkets.
Up to 2% cash rebates on dining at all food and beverage outlets (excluding hotel dining) in Singapore.
Enjoy up to 16% instant discount at all Caltex and Shell stations on top of the cash rebates.
Earn 1 Rewards point with every S$1 charged to your HSBC Visa Platinum credit card
Enjoy over 1,000 Entertainer 1-for-1 deals on HSBC Singapore Mobile Banking App
Save up to S$10,000 on your HSBC Credit Card today
10X Rewards^ (4 Miles) on online and retail purchases at Lazada, Qoo10, TANGS and more.
10X Rewards^ (4 Miles) on rides with Grab, ComfortDelGro, Gojek and more.
10X Rewards^ (4 Miles) on online food delivery with GrabFood, Deliveroo, foodpanda and more.
10X Rewards^ (4 Miles) on online groceries with Amazon Prime Now, Fairprice On, Redmart and more.
1X Rewards Points on all other spend, no cap.
No minimum spend required.
Earn up to 10% Citi Rebate at over 300 locations (including Starbucks and Sheng Siong) on top of your other card benefits.
*NEW* PayAll feature: Earn miles/reward points (depending on card type) when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App.
Redeem your points from an amazing range of merchandise from across the globe or for the perfect holiday through Citi ThankYousm Rewards.
Indulge in exclusive shopping and online shopping deals
Save up to 14% on fuel at Esso and Shell.
Enjoy complimentary travel insurance and hence peace of mind for you and your loved ones when you charge your airfare to your Citi Rewards Card.
Indulge in gastronomic adventures with Citibank Gourmet Pleasures
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 loan
26% p.a.
$192.60 waived the first year
S$30,000 per annum (Singaporeans and PRs); S$42,000 per annum (Foreigners)
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10X Rewards is capped at 10,000 Points per statement month. After the cap is reached, continue to earn 1X Reward for every S$1 spent. Terms and Conditions apply.
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.
Receive 1 Night Stay at Swissôtel The Stamford Singapore worth S$529 upon Card approval. Receive a Samsonite Sigma 76cm Expandable Spinner worth S$600 when you spend S$4,500 within the first 3 months of Card approval.
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.
Love Dining @ Hotels offers you Savings of up to 50%* on food bills for unlimited visits at selected 5 star hotels around Singapore.
Enjoy Dining @ Restaurants privileges which offers up to 50% savings of food orders at a handpicked selection of popular restaurants.
Enjoy exclusive access to some of Singapore's top-notch members-only clubs and invitation-only events
Over S$900* worth of spa vouchers from Adeva Spa, Spa Rael and The Ultimate
Enjoy up to 40% off a la carte spa services at Adeva Spa and The Ultimate
Enjoy an exclusive treatment package at S$220++ or additional 15 minutes of treatment with every 60 minutes purchased at Auriga Spa
Enjoy 1-for-1 and complimentary drinks at The Mad Men and a dozen other nightspots in Singapore
Complimentary green fees* and privileged access to over 40 golf and country clubs in Singapore, Philippines, Malaysia, Indonesia and Thailand.
Earn 2 Membership Rewards points* for every S$1.60 spent.
Earn a total of 10 Membership Rewards points* for every S$1.60 spent at Platinum EXTRA Partners like Lee Hwa Jewellery, Peony Jade restaurant and Watches of Switzerland.
Earn a total of 20 Membership Rewards points* for every S$1.60 spent, up to a maximum spend of S$16,000. For all spend in excess of S$16,000, you continue to enjoy a total of 10 Membership Rewards points for every S$1.60 charged to your Card.
Points do not expire.
Platinum Credit Card Members enjoy auto-enrolment with the Frequent Traveller Option, and a waiver* of S$40 enrolment fees. With this, you can redeem your points with over 40 of the world's renowned airlines and enjoy the biggest hotel programme that covers thousands of prestigious hotels worldwide.
Enjoy permanent waiver of the miles transfer fee (worth S$40) with the American Express Platinum Credit Card. With this, you can redeem your points for Frequent Flyer Miles from Airline Partners like Asia Miles, British Airways Executive Club, Emirates Skywards, Singapore KrisFlyer and more.
Receive 15,000 Membership Rewards® points when you successfully refer a friend. Your friend receives 15,000 Membership Rewards® points upon spend of S$50 in the first 3 months of Card Membership. Visit amex.co/referfriends for more details.
New Cardholder can receive choice of Samsonite Prestige 69cm Spinner Exp with built-in scale worth $670 or $150 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. || Existing Cardholder will receive $30 cash back, when you charge a minimum of $800 in Qualifying Transactions from Card Account Opening Date to the end of the following month. Existing HSBC Credit Card must be issued more than 12 months earlier. Valid from 1st April 2020 till 30 June 2020.
Enjoy up to 3.5% Cash Back on all purchases, no minimum spend required (Total Cash Back capped at S$125 per month for HSBC Advance banking customers; S$70 for non-Advance banking customers).
Card balance transfer: Exclusive one-time promotional rate of 1.68% p.a. for 6 months. Terms and conditions apply.
Exciting promotions including 1-for-1 F&B, lifestyle and hotel offers, travel specials and more.
Up to 16% instant discounts at all Caltex and Shell stations.
Enjoy over 1,000 Entertainer 1-for-1 deals on HSBC Singapore Mobile Banking App
Enjoy peace of mind with complimentary travel insurance coverage of up to S$500,000 when you charge your travel expenses to HSBC Advance credit card.
To be eligible for an HSBC Advance banking, you must meet the following requirements: Have a salary crediting or re-occurring deposit of at least S$3,500 per month & have applied for or hold a HSBC credit card
Earn up to 37,300 miles when you apply for a Citi PremierMiles Card and spend S$9,000 within 3 months from date of card approval. Valid till 30 June 2020. Terms and conditions apply.
Travel with miles that never expire.
No caps on miles earned
Redeem your miles for flights, hotels, merchandises via Citi ThankYouSM Rewards or cash rebates
1 Citi Mile = 1 Mile with: KrisFlyer, Asia Miles, Qantas, Qatar, Flying Blue, Ethad Guest, Royal Orchid Plus, Executive Club, Enrich, Infinity MileageLands, Garuda Frequent Flyer
1 Citi Mile = 1 IHG Rewards Club point; 1 Citi Mile = 1.5 Hilton HHonors points
S$1 = 2 Citi Miles on foreign currency spend.
S$1 = 1.2 Citi Miles on Local spend (no min. spend)
Earn miles when you pay your rent, education expenses, tax, electricity bills and condominium management fee via Citi PayAll
Upon renewal of annual membership and payment of annual fee, you will receive 10,000 Citi Miles
Complimentary access to hundreds of airport VIP lounges twice a year & Personalised Priority Pass membership card
Complimentary Travel Accident Insurance: Up to S$1,000,000 coverage in the event of death or permanent disablement, arising from an accident in a common carrier. (Up to S$50,000 coverage for your child)
Earn up to 10% Citi Rebate at over 300 locations (including Starbucks and Subway) on top of your other card benefits.
14% discount at Esso stations: 5% Esso site discount + 5% Esso Smiles card discount + 4% Citi Card discount
14% discount at Shell stations: 5% Shell site discount + 5% Shell Escape discount + 4% Citi Card discount
Turn big payments into big rewards with Citi PayAll.
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
Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of BestCreditCards.sg. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
At BestCreditCards.sg we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.
Cards are rated by our team based primarily on the basis of value for money to the cardholder. The BestCreditCards.sg team rates each card based on its annual fee, rewards, benefits, bonus, interest per annum, privileges and flexibility (in how benefits can be used and how rewards are earned and redeemed), and other card features.
Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of BestCreditCards.sg. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Disclaimer: As there are different types of credit scores and issuers could use any of them, BestCreditCards.sg cannot ensure you will be approved for the offers based on your credit score.
