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    Best Credit Cards for Cash Back in Singapore

    Credit cards in Singapore offer cashback on all retail purchases from dining, shopping, travel purchases to daily expenses such as grocery and petrol purchases. Credit cards that offer high cashback also come with a limit on how much cashback you can earn per month and some cards require you to spend a minimum amount in order to benefit from the cashback offered.

    There is no dearth of cashback credit cards in Singapore. However, here are some of the best credit cards that offer cashback to cardholders and additional perks such as discounts, complimentary travel insurance and more.

    Best Cashback Credit Cards Singapore

    1. HSBC Advance Credit Card

    2. Enjoy cashback on all your purchases depending on your monthly spends with HSBC Advance Credit Card. HSBC Advance Banking customers will enjoy additional cashback on all purchases.

      Best Cash Back offers on HSBC Advance Credit Card:

      • Cashback earned by non-HSBC Advance Banking cardholders - Earn 1.5% cashback on monthly spends of S$2,000 and below and 2.5% cashback on monthly spends of above S$2,000 across all categories.
      • Cashback earned by HSBC Advance Banking cardholders - Earn 2.5% cashback on monthly spends of S$2,000 and below and 3.5% cashback on monthly spends of above S$2,000 across all categories.
      • No minimum spend requirement to earn cashback - You will earn cashback on all purchases with no minimum purchase requirement.
      • Sign-up promotion:
        • New customers - Choose between S$120 cashback or an HSBC Gold Class Movie Card worth S$138 + S$20 cashback on supplementary credit card sign-up + S$20 cashback on signing-up for this credit card online.
        • Existing customers - S$50 cashback + S$20 cashback on supplementary credit card sign-up + S$20 cashback on signing-up for this credit card online.
      • Additional perks:
        • Agoda - Additional discount of 7% on worldwide bookings until December 31, 2017.
        • Caltex - Petrol savings up to 16% at Caltex until December 31, 2017.

      Cons of HSBC Advance Credit Card:

      • Cashback cap - The cashback is capped at S$70 for non-HSBC Advance Banking cardholders and S$125 for HSBC Advance Banking cardholders per month.
    3. Citi Cash Back Credit Card

    4. Get cashback on dining, petrol, grocery shopping and grab rides throughout the year with Citi Cash Back Credit Card. Also enjoy exclusive Citibank privileges on this credit card such as complimentary travel insurance and Citi Rebates.

      Best Cash Back Offers on Citi CashBack Credit Card:

      • Dining - Enjoy 8% cashback on dining at restaurants, bars and cafes across the world. Also earn 8% cashback on deliveries from Foodpanda.
      • Grocery - Get 8% cashback across supermarkets and grocery stores throughout the world. Also earn 8% cashback on your grocery deliveries from RedMart and Honestbee.
      • Grab rides - Earn 8% cashback on all your grab rides starting from July 7, 2017.
      • Petrol - Enjoy petrol savings of up to 20.88% at Shell and Esso. Also get 8% cashback across all other petrol stations worldwide.
      • Cashback on other expenses - You will earn 0.25% cashback on all other purchases with no cap.
      • Citi Rebate - Get Citi Rebate up to 10% at more than 300 participating merchant outlets.
      • Complimentary Travel Insurance - Make your travel arrangements using your Citibank Credit Card and get complimentary travel insurance of up to S$1 million.
      • Additional Cash Back Promotions:
        • Foodpanda - Spend at least S$35 and enjoy a discount of 25% on every order until December 31, 2017.
        • Expedia - Enjoy cashback of 2.5% per S$1 spent on flight and hotel booking with no minimum purchase requirement until December 31, 2017.

      Cons of Citi CashBack Credit Card:

      • Minimum spend requirement - You must spend a minimum amount of S$888 every month to enjoy cashback. If you fail to meet this requirement, you will get a flat cashback rate of 0.25% on all purchases.
      • Cashback cap - The maximum cashback you will receive per month is S$25 per category.
    5. OCBC 365 Credit Card

    6. Enjoy cashback 365 days a year on all your daily expenses from dining to grocery shopping to paying your recurring bills and more with OCBC 365 Credit Card. Also get complimentary travel insurance when you purchase your travel tickets using this credit card.

      Best Cashback offers on OCBC 365 Credit Card:

      • Dining - Enjoy cashback on dining throughout the week in the following way:
        • Enjoy 3% cashback on local weekend dining.
        • Enjoy 6% cashback on local weekday dining and dining overseas.
      • Online shopping - Enjoy 3% cashback on online shopping including travel purchases, booking movie tickets and more.
      • Petrol:
        • Caltex savings - Enjoy up to 23.8% fuel savings at Caltex including 6% cashback on this credit card.
        • Esso - Enjoy up to 18.5% fuel savings at Esso including 5% cashback on this credit card.
        • All other petrol stations - Enjoy 5% cashback.
      • Grocery - Get 3% cashback on grocery purchases in Singapore.
      • Telecommunication - Earn 3% cashback on your recurring bill payments at SingTel, M1 and StarHub.
      • Cashback on other expenses - Get 0.3% cashback on all other purchases.
      • Complimentary travel insurance - Book your tickets using this credit card and get Travel Personal Accident insurance up to S$200,000 and baggage loss up to S$400.

      Cons of OCBC 365 Credit Card:

      • Minimum spend requirement - You must spend a minimum amount of S$600 every month to enjoy full cashback on this credit card. If you fail to meet this requirement, you will get a flat cashback rate of 0.3% on all purchases.
      • Cashback cap - The maximum cashback you will receive per month is S$80.
    7. Standard Chartered Unlimited Cashback Credit Card

    8. Enjoy unlimited cashback on this credit card throughout the year with additional perks such as annual fee waivers, EZ-Reload features and more with SC Unlimited Cashback Credit Card.

      Best offers on Standard Chartered Unlimited Cashback Credit Card:

      • Unlimited cashback - Get 1.5% cashback on all your purchases with no minimum spend requirement and no cap to how much cashback you can earn.
      • EZ-Link facility - You can use this credit card as an EZ-Link Card as this credit card is enabled with the EZ-Link facility.
      • Annual fee waiver - The annual fee on this credit card is waived for 2 years.
      • Additional perks:
        • Harry’s - Enjoy 10% discount on the total bill on all days until May 14, 2018.
        • TANGS - Spend at least S$100 in 1 receipt per day and get complimentary parking until August 31, 2017.

      Cons of Standard Chartered Unlimited Cashback Credit Card:

      • Exclusion of rewards - The Standard Chartered Unlimited Cashback Credit Card will not earn any rewards under the Standard Chartered 360o Rewards Programme.
    9. The American Express True Cashback Card

    10. Earn accelerated cashback for the first 6 months. There is no cap on how much cashback you can earn on AmEx True Cashback credit card and no minimum spend requirement.

      Best Cash Back Offer on American Express True Cashback Card:

      • Welcome offer on cashback - You will earn 3% cashback up to S$5,000 worth total purchases for the first 6 months.
      • Cashback - After the first 6 months, you will earn 1.5% cashback on your transactions with no cap and no minimum purchase required.
      • American Express Selects and Global Dining Program - You will enjoy exclusive privileges on dining throughout the world, all year long.

      Cons of American Express True Cashback Card:

      • 3% cashback limitations - The cashback earned for S$5,000 worth of spends for the first 6 months also includes the amount spent on The American Express True Cashback supplementary credit card. After reaching a total of S$5,000 spend on the principal and supplementary cards, the remaining purchases will earn a flat cashback rate of 1.5%.

    Compare best cashback credit cards 2017 in Singapore

    Credit Card

    Savings

    Earning Limit

    Minimum Spend Required

    Other Perks

    HSBC Advance Credit Card

    Non-Advance Banking customers - Cashback up to 2.5% per month.

    Advance Banking customers - Cashback up to 3.5% per month.

    Non-Advance Banking customers -

    Maximum cashback of S$70 per month.

    Advance Banking customers-Maximum cashback of S$125 per month.

    No minimum spend requirement.

    Sign-up promotion - Cashback up to S$160.

    Agoda - Additional discount of 7% on worldwide bookings until December 31, 2017.

    Caltex - Petrol savings up to 16% at Caltex until December 31, 2017

    Citi Cash Back Credit Card

    8% cashback on dining, Grab rides, grocery and petrol purchases.

    0.25% cashback on all other purchases.

    S$25 cashback in each category per month.

    S$888 per month.

    Citi Rebate up to 10% at more than 300 participating merchant outlets.

    Complimentary travel insurance up to S$1 million.

    Foodpanda - Spend at least S$35 and enjoy a discount of 25% on every order until December 31, 2017.

    Expedia - Enjoy cashback of 2.5% per S$1 spent on flight and hotel booking with no minimum purchase requirement until December 31, 2017.

    OCBC 365 Credit Card

    Dining - Up to 6% cashback.

    Online shopping - 3% cashback.

    Petrol - Up to 6% cashback.

    Grocery - 3% cashback.

    Telecommunication - 3% cashback.

    Other purchases - 0.3% cashback.

    S$80 cashback cap per month.

    S$600 per month.

    Complimentary travel insurance up to S$200,000.

    Visa Signature Concierge service.

    3% cashback on medical expenses for cardholders who have a Child Development Account.

    Standard Chartered Unlimited Cashback Credit Card

    1.5% cashback on all purchases.

    No cap.

    No minimum spend requirement.

    2 years annual fee waiver.

    This card can be used as an EZ-Link Card as it is enabled with the EZ-Link facility.

    Harry’s -Enjoy 10% discount on the total bill on all days until May 14, 2018.

    TANGS -Spend at least S$100 in 1 receipt per day and get complimentary parking until August 31, 2017.

    The American Express True Cashback Card

    3% cashback on all purchases for the first 6 months up to S$5,000 spends.

    1.5% cashback on all purchases after 6 months.

    No cap.

    No minimum spend requirement.

    Enjoy exclusive privileges on dining throughout the world, all year long with American Express Selects and Global Dining Program.

    24 hours Customer Care Services.

    Overseas emergency assistance with American Express Global Assist.

    How to choose the best cashback credit card

    To choose a cashback credit card that is best for you, here are some things that can you base your decision on:

    • Decide which categories you spend on the most using your credit card. This will help you pick a card that offers the maximum cashback on those categories.
    • How much do you spend on your credit card per month? If you use your credit card often and spend a lot, then a credit card with a minimum purchase requirement will not be an issue for you. However, if don’t use your card often, then you should pick a credit card that offers cashback without requiring you to spend a certain amount every month.
    • Consider the additional perks offered on credit cards. In addition to earning cashback on your purchases, you can pick a card that also offers benefits such as discounts, complimentary travel insurance, etc. to make the best use of everything the card has to offer you.
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