Find a credit card in Singapore that's right for you

Compare the best credit cards in Singapore at BestCreditCards.sg. Whether you are a frequent traveller looking for an air miles credit card or simply looking to save with a cashback credit card, we've got you covered. We have done the homework, looked through the fine print and shortlisted the best credit cards in Singapore here, ranging from rewards cards to rebate cards. Apply online and start saving soon!

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
  • Spend S$1,000 within first month of Card approval and receive S$60 CapitaVoucher.
  • 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.
Citi PremierMiles Card

Citi PremierMiles Card

APPLY NOWAt Citibank's secure website
  • 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
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
The American Express<sup>®</sup> Singapore Airlines KrisFlyer Credit Card

The American Express® Singapore Airlines KrisFlyer Credit Card

APPLY NOWAt American Express' secure website
  • Spend S$5,000 in first 3 months of Card approval and receive 8000 miles.
  • Earn 1.1 KrisFlyer mile for every S$1 spent on all your eligible purchases with your Card.
  • Earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December.
APPLY NOWAt American Express' secure website
24.99% per annum$176.55 (waived 1 year)$30,000 for Singapore Citizens and Permanent Residents ($60,000 for expatriates)
Maybank Platinum Visa Card

Maybank Platinum Visa Card

  • Apply for new Maybank Credit Cards and CreditAble, and charge to your Credit Card and/or withdraw from your CreditAble Account a minimum of S$300 for the first two consecutive months upon approval to receive a complimentary American Tourister Luggage.
  • Up to 3.33% cash rebates on local spend.
  • Low 15% interest per annum for purchases.
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
We least like
  • 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 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.
Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

  • Valid from 11 May till 30 June 2020, new cardholders can enjoy up to S$170 cashback as a sign-up bonus when they successfully apply via MyInfo, and activate card within 30 calendar days.
  • 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
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.
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.
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. Valid when you apply and receive approval between 1 May 2020 and 30 June 2020 (both dates inclusive). 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).
APPLY NOWAt American Express' secure website
26.90% p.a.S$321S$80,000 p.a. for Singapore Citizens and Residents
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.
  • Groceries: 8% cash back at supermarkets worldwide
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.
Standard Chartered Spree Credit Card

Standard Chartered Spree Credit Card

  • Valid from 11 May till 30 June 2020, new cardholders can enjoy up to S$170 cashback as a sign-up bonus when they successfully apply via MyInfo, and activate card within 30 calendar days.
  • Up to $60 cashback monthly, no min spend.
  • 3% cashback on online transactions in foreign currency and vPost transactions
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.

How We Rate Credit Cards

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.