HK
HK
DBS Woman’s World Card
POSB Everyday Card
UOB One Card
Citi PremierMiles Card
Standard Chartered Simply Cash
OCBC Frank Credit Card
HSBC Revolution Credit Card
Card payments dominate everyday spending in Singapore, and credit cards remain the go-to choice for most people thanks to their convenience and rewards. With card usage projected to rise by 14.3% in 2024, finding one that truly fits your lifestyle can make a real difference in how you earn and save.
But with so many options out there, it’s easy to feel unsure where to start.
In this guide, we explore some of the top credit cards in Singapore for 2026 and what makes each one worth considering, whether you’re focused on cashback, air miles, or flexible rewards that fit your daily spend.
Note: Information in this guide is accurate as of 12 November 2025. Since card terms may change over time, please check the latest details on the issuer’s official website before you submit an application.
Best For: Online shoppers who want to turn everyday ecommerce into fast miles, with straightforward earn rates and complimentary ecommerce protection.
The DBS Woman’s World Mastercard® Card is built to maximise rewards on online spending. It offers accelerated DBS Points on a wide range of digital purchases, which you can convert into airline miles, with a clear earn structure for overseas and local transactions.
Online shoppers will find it especially useful, as the card provides a fast route to miles along with flexible redemption choices. With complimentary ecommerce protection and instalment options included, it suits anyone who wants strong digital rewards paired with added security.
Despite its name, the card is available to both women and men.
| Fee | Amount |
|---|---|
| Annual Fee | SGD 196.20; first year waived |
| Interest Rate |
Purchases: 27.8% p.a. Cash Advance: 28.5% p.a. |
| Cash Advance Fee | 8% (min SGD 15) |
| Minimum Payment | 3% of outstanding balance or SGD 50, whichever is higher, plus any overdue amounts |
| Foreign Currency Transaction Fee | 3.25% of the converted SGD amount |
DBS outlines simple eligibility requirements that applicants should review first:
Best For: Everyday spenders who want dependable cash rebates on groceries, transport, dining, and online shopping that accumulate over time and don’t expire.
POSB Everyday Card sits under the DBS family and focuses on one thing: steady cash rebates on everyday spending. Dining, transport via SimplyGo, Malaysian Ringgit in-store purchases, and major online shopping platforms all earn Daily$ that never expire, so your savings build over time.
If most of your monthly spend goes to groceries, transport, family meals or cross-border shopping, this card fits naturally. It rewards the habits you already have without complicated tiers or conditions, making it a practical choice for consistent, easy-to-track savings.
| Fee | Amount |
|---|---|
| Annual Fee | SGD 196.20; first year waived |
| Interest Rate |
Purchases: 27.8% p.a. Cash Advance: 28.5% p.a. (min SGD 2.50) Increases by an additional 3% if the minimum payment is not made by due date |
| Cash Advance Fee | 8% (min SGD 15) |
| Minimum Payment | 3% of outstanding balance or SGD 50, whichever is higher, plus any overdue amounts |
| Foreign Currency Transaction Fee | 3.25% of the converted SGD amount |
Before you apply, make sure you meet POSB’s basic age and income requirements for this card:
Best For: Cardholders with steady monthly spend who want a simple, high-value cashback structure across day-to-day categories, with larger rebates unlocked when minimum spend and transaction counts are met.
UOB One Card is UOB’s flagship cashback card built to reward consistent monthly spending with quarterly rebates. You can earn up to 3.33% base cashback by meeting tiered spend targets, plus higher rates at selected partners.
Its latest refresh extends cashback to all grocery spend and updates partner coverage across popular merchants. Whether you’re commuting with SimplyGo, dining at McDonald’s, booking Grab rides, shopping on Shopee, or refuelling at Shell or SPC, it’s designed to help you save more on everyday expenses.
Cashback is credited quarterly. To earn the base quarterly cashback, you must charge at least SGD 600 per month with a minimum of 10 transactions each month in the qualifying quarter. For the highest cashback rates, your monthly spending should be at least SGD 2,000 for three consecutive months.
Note: Want to know how much cashback you can earn? Use UOB’s cash rebate calculator to estimate how much cashback you are eligible for.
| Fee | Amount |
|---|---|
| Annual Fee | SGD 196.20; first year waived |
| Interest Rate |
Purchases: 27.8% p.a. (min SGD 3) Cash Advance: 28.5% p.a. (min SGD 3) |
| Cash Advance Fee | 8% (min SGD 15) |
| Minimum Payment | 3% of outstanding balance or SGD 50, whichever is higher, plus any overdue amounts |
| Foreign Currency Transaction Fee | 3.25% of the converted SGD amount |
To apply for a UOB One Card, make sure you meet these criteria:
Best For: Frequent travellers who want miles that don’t expire, solid earn rates on local and overseas spend, two lounge visits a year, and flexible redemptions via Citi’s airline and hotel partners.
The Citi PremierMiles Card is a travel rewards card designed for accruing miles with flexibility and ease. It earns Citi Miles on all spending, with accelerated rates on overseas and online transactions, and features the significant benefit of miles that do not expire.
Through Citi ThankYou Rewards, you can redeem or transfer miles to a wide network of airline and hotel partners. With Priority Pass lounge access and travel privileges included, it’s a dependable all-rounder for travellers who want steady mile accumulation without worrying about expiry dates.
| Fee | Amount |
|---|---|
| Annual Fee | SGD 196.20 |
| Interest Rate |
Purchases and Cash Advance: 27.9% p.a. (min SGD 3) May increase to 30.9% if the account is past due |
| Cash Advance Fee | 8% (min SGD 15) |
| Minimum Payment | 1% of outstanding balance or SGD 50, whichever is greater, plus any fees, interest charges, and overdue amounts |
| Foreign Currency Transaction Fee | Up to 3.25% of the converted SGD amount |
Citi sets a few straightforward requirements you’ll need to meet before you can apply:
Best For: Those who want a card that always pays them back. No categories, no minimum spend and no caps; just steady cashback on everything you charge.
The Standard Chartered Simply Cash Credit Card keeps things simple with a flat cashback rate on all eligible spending. There are no categories to track or minimum spend to meet, making it easy to earn rewards on every purchase.
It also offers flexible payment options and a fast digital application process. If you prefer consistency and convenience over complex reward systems, this card delivers straightforward value for everyday spending.
| Fee | Amount |
|---|---|
| Annual Fee | SGD 196.20; first year waived |
| Interest Rate |
Purchase: 27.9% p.a. Cash Advance: 0.082% per day (calculated at 29.9% p.a.) |
| Cash Advance Fee | 8% (min SGD 15) |
| Minimum Payment | 1% of outstanding balance or SGD 50, whichever is greater, plus any fees, interest charges, and overdue amounts |
| Foreign Currency Transaction Fee | 3.5% of the converted SGD amount |
Make sure you qualify under Standard Chartered’s eligibility guidelines before starting your application:
Best For: Everyday spenders who want high cashback on foreign currency purchases, online spending in SGD, and mobile contactless payments, with an extra boost at selected green merchants.
OCBC Frank focuses on rewarding everyday lifestyle spending, with higher cashback on foreign currency purchases, local online transactions, and mobile contactless payments in SGD. It also offers extra cashback at selected transport, EV charging, and eco-retail partners.
By meeting a single monthly spend requirement, you unlock these boosted rates across its key categories. The structure is simple, making it an effective choice for maximising cashback on routine and lifestyle-driven purchases.
| Fee | Amount |
|---|---|
| Annual Fee |
SGD 196.20; first two years waived Thereafter, waived with an annual spend of SGD 10,000 |
| Interest Rate |
Purchases: 27.78% p.a. (increased to 30.78% if minimum payment is not made) Cash Advance: 28.92% p.a. |
| Cash Advance Fee | 8% (min SGD 15) |
| Minimum Payment | 3% of the outstanding balance or SGD 50, whichever is higher, plus any overdue amounts |
| Foreign Currency Transaction Fee | 3.25% of the converted SGD amount |
Before you apply, confirm that you meet OCBC’s age and income requirements for this card:
Best For: Anyone early in their career or building their first card portfolio who wants high rewards on online, dining and contactless spend, with no annual fee to manage.
This HSBC Revolution Credit Card focuses on rewarding digital spending, offering accelerated points on online shopping, dining, ride-hailing and contactless payments. And because it comes with no annual fee, the value stays strong even if your spending fluctuates.
It works well for people whose spending already leans toward ecommerce, mobile wallets or everyday lifestyle purchases. You earn steady rewards on habits you already have, without needing to track complicated tiers or hit high spending thresholds.
| Fee | Amount |
|---|---|
| Annual Fee | None |
| Interest Rate |
Purchases: 27.8% p.a. Cash Advance: 28.5% p.a. (min SGD 2.50) |
| Cash Advance Fee | 8% (min SGD 15) |
| Minimum Payment | 1% of outstanding balance or SGD 50, whichever is greater, plus any fees, interest charges, and overdue amounts |
| Foreign Currency Transaction Fee | 3.25% of the converted SGD amount |
To qualify for the HSBC Revolution Credit Card, you must meet the following requirements:
If you’re still weighing options, there are a few other cards that are popular in Singapore. We’ll introduce them briefly below and highlight what they do well, so you can spot a good match at a glance.
Not all credit cards are built for the same kind of spender. Before you decide, take a moment to understand what shapes the right fit. The points below walk you through how to find one that fits your spending, lifestyle, and goals.
Start by getting a clear view of where your money actually goes. Review your recent statements and group them into simple spending categories like groceries, dining, transport, or entertainment. Seeing these patterns on paper makes it easier to understand how you use your card day to day.
Once you know where most of your money goes, look for a credit card that rewards those habits and helps you get more value from the money you already spend.
Do you want money off your bill, flight redemptions, or the freedom to switch later? Think about how you want your rewards to build over time.
Tip: Remember to check for introductory rewards that credit cards offer. Review the conditions and benefits to maximise your gains fully.
Headlines make cards look attractive, but the T&Cs determine what you actually earn. Don’t be swayed by the sign-up bonus and read how the earn rate really works.
Look out for:
Take note! Some issuers may suspend or cancel your rewards after a late payment, and repeated delays can lead to a higher interest rate.
Start with the annual fee and how you can avoid it. Many cards can do a fee waiver for the first year, and some extend the waiver if you meet a yearly spending target. Compare what you actually pay with the rewards you expect to earn so you’re looking at real value, not just the headline.
If you spend overseas or on foreign sites, factor in the extra costs. Foreign transaction fees average around 3.25% of the converted amount, plus another 1% when a merchant converts prices into SGD or when an SGD payment is processed abroad.
Finally, keep an eye on the minimum payment. It keeps your account in good standing, but interest applies to the remaining balance. Aim to pay the full statement each month, or set up automatic payment, so interest doesn’t accumulate.
Tip: Paying only the minimum each month keeps your account active but prolongs your debt. Try to pay more whenever possible to reduce your balance faster.
There are three things you should check before you apply: the purchase interest rate, the length of the interest-free period, and the cash advance rate.
In Singapore, purchase interest rates range from about 27% to 29% a year, with most cards offering 22 to 25 days interest-free if you pay your full balance on time. Cash advances start accruing interest immediately and also carry a separate fee.
To avoid interest, set up automatic full payments and avoid cash advances unless necessary. For instalment plans, check if there’s a one-time fee and whether those purchases still earn rewards. Missing a payment may trigger higher rates, so use reminders and review your statement regularly.
Tip: Avoid using credit cards for ATM withdrawals, which usually incur upfront fees and high interest.
In general, credit card eligibility criteria include age, residency, and minimum income requirements. Most entry-level cards in Singapore require applicants to be at least 21 and earn around SGD 30,000 annually for citizens and PRs, with higher thresholds for foreigners. Even if you don’t meet the income requirement, some banks allow applications backed by fixed deposit collateral.
It's important to verify that you meet these criteria before applying to prevent unnecessary checks into your credit history, which could negatively affect your credit score.
Tip: Applying for several credit cards within a short time can also lower your score and affect future loan applications. Space out your applications and prioritise the ones that best fit your needs.
Credit cards can do more than just help you pay your bills. They can reward how you already spend. Whether you want cashback, air miles, or flexible reward points, the key is to match the card to your habits and goals.
From the seven main cards we have covered to other popular options in Singapore, every card has its strengths. Take the time to review the fees, interest rates, and eligibility criteria, and make sure the rewards you earn are worth the cost. Once you have your card, keep an eye on updates to terms or promotions so you can continue getting the most out of it.
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