Do you monitor your spending and keep your budget to a minimum as much as possible? Not spending a lot doesn't necessarily mean that you have to give up on earning cash rebates. As a matter of fact, there are some cashback cards in Singapore that will reward you even if you aren't someone who splurges thousands of hard-earned dollars every month. Take a look at GET.com's top cash back credit card picks for small spenders below.

5 Best Cash Back Credit Cards For Small Spenders in Singapore

1. The American Express® True Cashback Card

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The American Express<sup>®</sup> True Cashback Card

The American Express® True Cashback Card

APPLY NOWAt American Express' secure website
  • Receive up to S$60 CapitaVouchers upon S$500 spend in the first month. Prospect (New to Bank): S$60 CP voucher on min. S$500 spend in 1st month. Existing CardMember: S$30 CP voucher on min. S$500 spend in 1st month. Valid 1st April 2019 – 30th June 2019.
  • As an introductory offer you will enjoy 3% Cashback on up to a total of $5,000 spend for the first 6 months plus a fee waiver for the first year.
  • American Express Selects gives you exclusive dining privileges all around the world, all year round.
APPLY NOWAt American Express' secure website
24.99% p.a.S$171.20 (inclusive of GST) First Year Fee WaiverFor Singapore Citizens and Residents, you have earnings which provide an income of over $30,000 p.a.

The American Express® True Cashback Card lets you earn a flat rate 1.5% cashback on all your purchases in Singapore Dollars, no minimum spend required. There is no cap on how much cashback you can earn in a statement month.

If you are a new Cardholder, you will enjoy 3% cashback on all your spending, up to $5,000, for the first 6 months of account opening. Nonetheless, keep in mind you will not earn any cashback on foreign exchange transactions at all.

2. Standard Chartered Unlimited Cashback Credit Card

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Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

APPLY NOWAt Standard Chartered's secure website
  • 1.5% cashback on all spend.
  • No cashback cap, no minimum spend.
APPLY NOWAt Standard Chartered's secure website
Get cash at 0%* p.a. interest for 6 months at a 1.99% processing fee (EIR from 4.12% p.a.) on the approved loan amount when you transfer funds from your Standard Chartered Credit Card. Visit on.sc/funds-transfer. T&Cs apply. With Funds Transfer, you can (i) transfer funds into any bank's current or savings account; (ii) pay your credit card bills from other banks; and (iii) pay your loan from other banks.26.9% per annum$192.60 w/GST (waived for first 2 years)Singapore Citizens and Permanent Residents: S$30,000, Foreigners with Employment Passes: S$60,000

Standard Chartered Unlimited Cashback Credit Card also lets you earn a flat rate 1.5% cashback on all your eligible retail transactions with no cashback cap and no minimum spend. While it does not offer a promotional cashback earning rate when you first sign up for the credit card, you can earn cashback on foreign exchange transactions unlike The American Express® True Cashback Card.

One more thing - Standard Chartered will not award you with cashback on any monthly instalment of an EasyPay transaction even though you are technically just converting your retail spend into interest-free instalments.

3. Maybank Platinum Visa Card

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Maybank Platinum Visa Card

Maybank Platinum Visa Card

APPLY NOWAt Maybank's secure website
  • New Cardholders automatically receive a $100 cash credit upon signing up for the card.
  • Up to 3.33% cash rebates on local spend.
  • Low 15% interest per annum for purchases.
APPLY NOWAt Maybank's secure website
15% p.a.Quarterly service fee of S$20; waived when you charge to your Card once every 3 monthsS$30,000 for Singapore Citizen or Singapore Permanent Resident; S$45,000 for Malaysian Citizen in employment for at least 1 year; S$60,000 for Foreigner in employment for at least 1 year
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  • To earn 3.33% cash rebates on your local purchases, simply charge a minimum of just S$300 on your Card monthly for each quarter.

Maybank Platinum Visa Card lets you earn up to 3.33% cash rebates on local spending. It works on a quarterly cash rebate basis that is based on a fixed-quarter spending (i.e. from January to March, April to June, July to September and October to December).

The important thing to note is that you need to spend a minimum of either $300 or $1,000 each month, consecutively in a calendar quarter in order to earn your cash rebates.

For example, if you spend at least $300 per month in a calendar quarter, you will get to enjoy a $30 quarterly cash rebate (i.e. a $10 cash rebate per month). And if you spend at least $1,000 per month in a calendar quarter, you will get to enjoy a $100 quarterly cash rebate (i.e. a $33.33 cash rebate per month).

4. UOB One Card

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UOB One Card

UOB One Card

  • Additional 10% rebate on mobile payment transactions for Cardmembers who have successfully registered for the promotion, subject to a cap of S$50.00. For a limited time only. Other terms apply.
  • Enjoy up to 5% cash rebate based on a spend of S$2,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cash rebate of S$300.
  • Enjoy up to 3.33% cash rebate based on a spend of S$500 or S$1,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cash rebate of S$50 or S$100 respectively.
  • Receive up to 3.33% p.a. Deposit Interest Rate on UOB One Account* when you spend on UOB One Card.
  • Up to 20.8% petrol savings at Shell and 24% at SPC.
25% p.a.$192.60 waived first yearS$30,000 p.a. (Singaporean/PR). S$40,000 p.a. (Foreigners)

UOB One Card works similarly like Maybank Platinum Visa Card in that the cashback is based on a quarterly basis. This credit card lets you earn $50, $100 or $300 cashback per quarter but you need to fulfil the minimum spend criteria for each month.

To earn a quarterly cashback of $50, you will have to spend at least $500 per month for 3 months consecutively in that quarter.

To earn a quarterly cashback of $100, you will have to spend at least $1,000 per month for 3 months consecutively in that quarter.

And to earn a quarterly cashback of $300, you will need to spend at least $2,000 per month for 3 months consecutively in that quarter. The latter is why UOB One Card has been voted the most generous cashback card in Singapore - it offers up to 5% cashback no matter whether you are spending on local or foreign currency transactions.

5. HSBC Visa Platinum Credit Card

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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.

HSBC Visa Platinum Credit Card lets you enjoy a 5% cash rebate on recurring mobile, cable TV and internet bill payments; up to a 5% cash rebate on petrol (plus up to an extra 16% instant discount at Caltex and Shell stations); up to a 5% cash rebate on groceries; and up to a 2% cash rebate on dining (except hotel dining).

To enjoy earning the maximum 5% cash rebate across the above-mentioned categories and 2% cash rebate on dining purchases, you will have to charge a minimum of $800 in eligible purchases per month for all 3 months in a quarter. The maximum cash rebates you can earn in a quarter is $120.

To enjoy the 5% rebate on recurring mobile, cable TV and internet bill payments; 3% cash rebate on eligible purchases with petrol and groceries merchants; and 1% cash rebate on eligible dining purchases, you are required to spend at least $400 in eligible purchases per month for all 3 months in a quarter. There is a maximum cash rebate cap of $60 per account per quarter.