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 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, 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 T5 Spinner with built-in scale worth $560 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.
  • 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 T5 Spinner with built-in scale worth $560 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.
  • 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
  • Receive up to 30,000 Citi ThankYou Points when you spend S$3,000 in the first 3 months. Welcome offer valid for online applications through 30 September 2019.
  • 10X Rewards Points* on all your online purchases (except travel-related transactions^).
  • 10X Rewards Points* on your shopping# spend locally and overseas.
  • 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
  • Welcome gift: $120 cash back when you spend S$1,200 in the first 3 months.
  • 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

  • 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.
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
  • New Cardholder can receive choice of Samsonite T5 Spinner with built-in scale worth $560 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.
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 Visa Card

Citi PremierMiles Visa Card

APPLY NOWAt Citibank's secure website
  • Receive 40,000 Citi Miles when you opt to pay 1st year card annual fee & spend S$9,000 within 3 months from date of card approval (Valid till 31 Jan 2020).
  • Enjoy up to to additional 8% off Agoda hotel bookings to selected destinations per month, valid for bookings till 31 December 2019. Otherwise, earn up to 7 Citi Miles per S$1 spent, valid till 31 October 2019. Terms apply.
  • Earn 10 Citi Miles per S$1 spent on kaligo.com/bonus-miles. Valid till 31 December 2019.
  • 10% off hotel bookings on Expedia.com.sg/citibank. Valid till 31 December 2019.
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