Balance transfer credit cards can help you demolish your credit card debt. If you can transfer your current balance to a card that offers 0% intro APR on balance transfers, then this is the place to be. In the list below, you'll be able to find the card that would not only fit your lifestyle but also help you to pay off your debt with zero interest. If you get the right balance transfer card it can save you a lot of money - here's what you should look out for when applying for a balance transfer card: First, how long the 0% balance transfer APR period is, then, you should look to see what you'll be paying in balance transfer fees and of course you'll need to check out the ongoing APR after the intro period is over. This is our list of the best balance transfer cards Singapore has to offer right now.

Best ForCredit Card
Cash BackStandard Chartered Unlimited Cashback Credit Card
RewardsCitibank Rewards Card VISA
DiningCiti Cash Back Card
MilesCiti PremierMiles Visa Card

We at BestCreditCards.sg have gone through all the best credit card offers Singapore has to offer to give you the most appealing balance transfer credit cards.


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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


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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.


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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.


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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