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
  • 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.
Citi PremierMiles Visa Card

Citi PremierMiles Visa Card

APPLY NOWAt Citibank's secure website
  • Earn up to 7 Citi Miles per $1 spent on Agoda.com/bonusmile. Valid till 31 July 2019.
  • Earn 3 Citi Miles per $1 spent on Expedia bookings on Expedia.com.sg/bonusreward. Valid till 31 May 2019.
  • Earn 10 Citi Miles per S$1 spent on kaligo.com/bonus-miles. 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
The American Express<sup>®</sup> Singapore Airlines KrisFlyer Credit Card

The American Express® Singapore Airlines KrisFlyer Credit Card

APPLY NOWAt American Express' secure website
  • Receive up to 31,000 KrisFlyer miles in your first 6 months: Welcome Bonus of 5,000 KrisFlyer miles. Spend $5,000 in 3 months and receive 7,500 miles. Spend another $5,000 between 4th to 6th month of membership and receive additional 7,500 miles. CM will also earn 11,000 KrisFlyer miles based on 1.1 KrisFlyer miles per S$1 spent locally. Valid 1st April 2019 – 30th June 2019.
  • 1,500 bonus miles for each approved supplementary, capped at 3,000 bonus miles per Card Member.
  • Earn 1.1 KrisFlyer mile for every S$1 spent on all your eligible purchases with your Card.
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 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
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

APPLY NOWAt Maybank's secure website
  • 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.
APPLY NOWAt Maybank's secure website
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

APPLY NOWAt Standard Chartered's secure website
  • 1.5% cashback on all spend.
  • No cashback cap, no minimum spend.
  • Dining privileges
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
Citibank Rewards Card VISA

Citibank Rewards Card VISA

APPLY NOWAt Citibank's secure website
  • 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.
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
  • 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. Receive S$50 CapitaVouchers for MyInfo applications from 1st April 2019 to 30th June 2019.
  • 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.
APPLY NOWAt American Express' secure website
24.99% p.a.S$321S$50,000 p.a. (S$60,000 p.a. for expatriates)
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, Grab, 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

APPLY NOWAt Standard Chartered's secure website
  • Up to $60 cashback monthly, no min spend.
  • 3% cashback on online transactions in foreign currency and vPost transactions
  • 2% cashback on all other online spends in local currency (including mobile wallet and/or contactless transactions)
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 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.