Cashback credit cards are rewards cards that provide flexible cash rebates that you can use in any way you like. Cards like these provide real cash savings, almost like discount cards! When you use a cashback card to pay for things, you can earn back a percentage of the amount you spend in the form of cashback or rebates.

The most important things to look out for when choosing a cash back card is if there are limits on the cash back you can earn, if the cash back expires and what type of purchases let you earn the highest rebates.

BestCreditCards.sg's best cash back cards

Best ForCredit Card
Flat Cash BackThe American Express® True Cashback Card
RestaurantsCiti Cash Back Card
HotelsThe American Express® Platinum Credit Card
Family and KidsHSBC Visa Platinum Credit Card
ShoppingHSBC Advance Credit Card
Online ShoppingStandard Chartered Spree Credit Card

Using our proprietary technology, we at BestCreditCards.sg have come up with the Best Cashback Credit Cards offering the highest cash rebates on purchases in Singapore. We recommend you take advantage of these cash back cards for real savings!


Credit CardFeaturesIntro Interest p.a.Standard Interest p.a.Annual FeeMinimum IncomeWe least likeRelated links
The American Express<sup>®</sup> True Cashback Card

The American Express® True Cashback Card

APPLY NOWAt American Express' secure website
  • Receive S$60 Capita Voucher upon S$1,000 S$500 spend within first month of Card approval (New to bank Card Members) || Receive S$30 Capita Voucher upon S$1,000 S$500 spend within first month of Card approval (Existing Card Members).
  • 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.

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Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

  • Apply now and get up to S$100 cashback when you apply via MyInfo. Terms and conditions apply. Valid until 30 September 2020.
  • 1.5% cashback on all spend.
  • No cashback cap, no minimum spend.
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


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Citi Cash Back Card

Citi Cash Back Card

  • 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.
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.


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The American Express<sup>®</sup> Platinum Credit Card

The American Express® Platinum Credit Card

APPLY NOWAt American Express' secure website
  • Card Members to spend S$6,000 on eligible purchases of goods or services within the first 3 months upon Card approval to receive 25,000 Membership Rewards (“MR”) Points. Spend another S$6,000 on eligible purchases of goods or services in the next 3 months (i.e. 4th to 6th month) of Card approval to receive another 25,000 MR points. You receive 15,000 Membership Rewards points from your base earn rate for the S$12,000 spent. Terms and conditions apply.
  • 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


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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 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.

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Maybank Family & Friends Card

Maybank Family & Friends Card

  • New Cardholders automatically receive a $100 cash credit upon signing up for the card.
  • Earn 8% cash rebates on groceries, transport and selected merchants with min. S$1,000 spend per calendar month.
  • Otherwise, earn 5% cash rebates at the same merchants with min. S$500 spend per calendar month.
24% p.a.S$180S$30,000 for Singapore Citizen or Singapore Permanent Resident
We least like
  • 24% interest per annum for purchases.


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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)


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Standard Chartered Spree Credit Card

Standard Chartered Spree Credit Card

  • Apply now and get up to S$100 cashback when you apply via MyInfo. Terms and conditions apply. Valid until 30 September 2020.
  • Up to $60 cashback monthly, no min spend.
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 including GST (waived for first 2 years)S$30,000 p.a. (Singaporeans and PR), S$60,000 p.a. (Foreigners with Employment Passes)
We least like
  • The maximum Cashback awarded for any month is capped at S$60 per SingPost Spree Card account.

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UOB Delight Credit Card

UOB Delight Credit Card

APPLY NOWAt UOB's secure website
  • Get 8% SMART$ rebate at Cold Storage, Market Place, Jasons, Giant and Guardian with S$800 min. spend per month or 3% SMART$ rebate with S$400 min. spend per month.
  • 10% off over 4,000 house brands at Cold Storage, Giant and Guardian (*not valid for online transactions and house brand items that are on promotion).
  • Up to 3% SMART$ rebate on contactless transactions and selected recurring bills.
APPLY NOWAt UOB's secure website
25% p.a.$85.60 waived first yearS$30,000 Singaporeans and PRs, S$40,000 Foreigners

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FRANK Credit Card

FRANK Credit Card

  • Enjoy 6% online shopping rebate and up to 5% entertainment rebate when you spend at least $400 on offline transactions in a calendar month.
Interest-free period 23 calendar days from statement date if there is no balance carried forward from the previous statement.25.92% per annum$80 a year (Free for first 2 years)Singaporeans & Singapore PRs $30,000 p.a. Foreigners $45,000 p.a.
We least like
  • A minimum spend of S$400 on offline transactions posted in a calendar month on the FRANK Credit Card is required to qualify for additional cash rebate on online purchases, entertainment and NETS FlashPay Auto Top-Ups (ATU). This S$400 excludes online transactions and NETS FlashPay ATU.

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OCBC 365 Credit Card

OCBC 365 Credit Card

  • Up to 23% fuel savings at Caltex petrol stations.
  • 6% cashback on weekend dining locally.
  • 3% cashback on dining worldwide, online spending, groceries & recurring telco bills.
Transfer your outstanding balances on any other bank's credit card or credit line to OCBC at 0% nominal interest rate for 3/6/12 months with upfront processing fee starting at 1.80%26.88% per annum$192.60 a year (First 2 years free)S$30,000 and above for Singaporeans and Singapore PRs, S$45,000 and above for foreigners
We least like
  • Minimum of $600 in transactions in a calendar month to earn extra cash back.
  • If you spend less than S$600, a flat 0.3% cashback is awarded.
  • Cashback amount is capped at S$80 per calendar month.