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.

BestCreditCards.sg's best rewards cards

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

Below are the Best Rewards Credit Cards in Singapore, as rated by the BestCreditCards.sg 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
  • 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 1 June to 31 August 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.
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
  • 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 1 June to 31 August 2020.
  • 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
Citi Rewards Card

Citi Rewards Card

APPLY NOWAt Citibank's secure website
  • 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.
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)
We least like
  • 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.


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
  • Petrol: Up to 20.88% fuel savings at Esso & Shell, including 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
  • Spend S$5,000 within first 3 months of Card approval and receive 25,000 bonus points. Apply and receive S$150 Lazada vouchers upon Card approval and payment of annual fees. T&Cs apply. Valid from 1 August - 30 September 2020.
  • Earn a total of 2 Membership Rewards points* for every full S$1.60 spent.
  • Your spending goes even further at our Platinum EXTRA Partners like IWC and The Hour Glass, where every full S$1.60 spent gives you up to 10 Membership Rewards points (equivalent to 5.5 miles).
  • Your points do not expire.
  • Convert your points to miles: Enjoy permanent waiver of the miles transfer fee (worth S$40) with the American Express Platinum Credit Card. With this, redeem your points for Frequent Flyer Miles from Airline Partners like Asia Miles, British Airways Executive Club, Emirates Skywards, Singapore KrisFlyer and more.
APPLY NOWAt American Express' secure website
26.90% p.a.S$321S$80,000 p.a. for Singapore Citizens and Residents


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
  • 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 1 June to 31 August 2020.
APPLY NOWAt HSBC's secure website
1.68% 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 Card

Citi PremierMiles Card

APPLY NOWAt Citibank's secure website
  • 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
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