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    Who doesn’t love online shopping? With the high technological adaptation in Singapore, almost all of us shop online more than in brick-and-mortar stores. So if there are credit cards that give higher rewards for our online shopping, wouldn’t we all take them without a second thought? But wait. You need to give online shopping credit cards second and third thoughts. Because there are so many such credit cards that you need to pick one that is most suitable for you. Here we shall discuss 5 best credit cards for online shopping in Singapore, their pros and cons, and help you make the right decision.

    Best Online Shopping Credit Cards in Singapore

    Some of the top credit cards for online shopping, which we think will give you the best deals and reward you justly for your spends, are explained below:

    1. Standard Chartered SingPost Platinum Visa Credit Card:

    2. This is one of the most rewarding online shopping cards in Singapore, with a cashback of 7% on online purchases, among other perks.

      Advantages

      You can enjoy the following benefits on the Standard Chartered SingPost Platinum Visa Credit Card:

      • Cashback earned: You get 7% cashback on ALL online transactions identified by Visa as an online purchase, as well as for all vPost transactions and online payments converted to monthly instalment plans. You also get 2% cashback on payments made to supermarkets. All other purchases will give you 0.2% cashback.
      • Other privileges: With this credit card, you can also get a 20% discount on shipping fees with vPost and purchase protection cover of up to US$250. There are also discounts on SingPost purchases.
      • Annual fee waiver: The annual fee of S$192.60 is waived for two years.

      Disadvantages

      Here are some aspects where the card doesn’t do too well:

      • Spend requirements: You need to spend at least S$600 per month to enjoy the higher cashback, and you can only earn a maximum of S$60 per month as cashback in all categories combined.
      • Cashback categories: You can only earn higher rebates on online transactions and supermarket purchases, so apply this card only if the bulk of your transactions are online.
    3. Citi Rewards Card

    4. This is one of the best shopping rewards credit cards in Singapore, with a reward rate of 10 points per dollar. The card regularly ties up with various online merchants, giving you the best deals ever.

      Advantages

      The following advantages can be gotten through the Citi Rewards Card:

      • Rewards earned: You get 20 Citi Dollars per S$1 spent at participating online merchants such as Amazon and Lazada, and 10 points for every S$1 spent on shopping for clothes, bags, shoes – both local and overseas, online or offline, and at local and overseas departmental stores. For all other transactions, you will earn 1 point per dollar. The best part is that there is no minimum spend requirement, and the maximum points you can earn is 120,000 per year, which is A LOT, really. The points are valid for 5 years.
      • Other discounts: You are eligible for a 15% concession on Lazada.sg from Saturday to Monday for a limited period (26th June, 2017), along with other discounts on online shopping, travel and petrol. Enjoy exclusive dining perks on Citibank Gourmet Pleasures, 10% Citi Rebates at selected stores, Citi Globeshopper privileges on online shipping, and free travel insurance of up to S$1 million.

      Disadvantages

      Some disadvantages of the card are:

      • Reward categories: Though this card rewards you extensively, the categories are limited in nature. The biggest rewards are for clothes, bag and shoe-shopping. It doesn’t give you higher rewards for other online transactions such as travel bookings and bill payments. So if you are not the kind to spend on shopping, but have a lot of other online transactions, you may not find the card very useful.
      • Annual fee waiver: The annual fee on this card is waived only for the first year.
    5. OCBC Titanium Rewards Credit Card:

    6. This card is in direct competition with the Citi Rewards Card and offers 10 OCBC$ per S$1 as reward for shopping both in Singapore and outside.

      Advantages

      The OCBC Titanium Rewards Credit Card has the below-mentioned benefits:

      • Rewards earned: You get 10 OCBC$ for every S$1 spent by using the credit card to buy clothes, bags, shoes, electronics, babies and children’s clothes and accessories, personal care products, for using it at departmental stores, and for paying through mobile solutions such as Samsung Pay, Android Pay and Apple Pay. All other spends will earn you 1 OCBC$ per S$1.
      • Other benefits: The online purchases made through the OCBC Titanium Rewards Credit Card are automatically eligible for e-commerce protection and online price guarantee. You also get to use the MasterCard Tap and Go contactless payments for bus rides, get free access to JetQuay Quayside single trip service, and other attractive promotional discount offers.
      • Annual fee waiver: The annual fee of S$192.60 is waived for two years.

      Disadvantages

      No card is perfect; here is where the OCBC Titanium Rewards MasterCard falters a bit:

      • Spend categories: This is an exclusive shopping credit card – it can be used for both online and offline shopping with great benefits, but if you are using it for other purchases, the earn value comes down drastically.

      HSBC Revolution Credit Card

      Another rewards credit card, the HSBC Revolution gives higher points for online transactions, dining and entertainment. This wide variety in rewarding means that you could accrue points at a faster rate because these are all transactions you’re most likely to do with your credit card.

      Advantages

      Here are the benefits of having an HSBC Revolution Card:

      • Rewards earned: This card gives you 5 points per dollar for transactions made online (including travel, hotel and event bookings, food orders, online shopping, insurance premium payments, recurring GIRO payments, and purchases made under instalment payment plans), as well as for dining and entertainment expenses. All other purchases will give you 1 point per S$1.
      • No restrictions on earning and spending: The best part is that you can start earning points from the first dollar you spend, and there is no restriction on how many points you can accrue.
      • Other benefits: With the HSBC Revolution Card, you also get access to exclusive promotional offers, discount on travel insurance, and travel discounts from HSBC Vacations.

      Disadvantages

      The key disadvantages of the card are:

      • Validity of points: The reward points expire after 3 years, so you will have to make redemptions at a faster rate than the Citi Rewards Card, for example.
    7. UOB Preferred Platinum Visa Card:

    8. This is a great rewards credit card for those who live online more than offline. You will be rewarded highly for both online transactions and contactless payments.

      Advantages

      The following benefits are offered by UOB Preferred Platinum Visa Card:

      • Rewards earned: You will get 10 UNI$ for every S$5 spent on different kinds of online purchases – shopping, food orders, medicines, electronics, movie tickets – and when you pay through contactless solutions such as Samsung Pay, Apple Pay, Android Pay, or UOB Mighty. For all other transactions, you will earn 1 UNI$ for every S$5 spent.
      • Other perks: You also get SMART$ rebates at selected stores, access to UOB’s promotional offers, and exclusive dining discounts.

      Disadvantages

      Some of the aspects of the card that are not very attractive are:

      • Cap on points: You cannot earn more than 2,000 UNI$ per month.
      • Annual fee waiver: The annual fee is waived only for the first year.

    Compare best online shopping credit cards in Singapore

    Here’s a quick summary of the benefits of owning the top online shopping credit cards in Singapore:

    Card name

    Rewards/cashback

    Earning limit

    Minimum spend required

    Other perks

    Standard Chartered SingPost Platinum Visa Card

    Up to 7% cashback on online transactions and at supermarkets

    S$720 per year

    S$600 per month

    Discounts at vPost and SingPost

    Citi Rewards Card

    10 points per dollar for shopping and at departmental stores – both online and offline, in Singapore and abroad

    120,000 points per year

    None

    Promotional offers

    Citi Rebates

    Gourmet Pleasures

    Citi Globeshopper

    Free travel insurance

    OCBC Titanium Rewards Card

    10 points per dollar for shopping, electronics, baby-wear, personal care, and at departmental stores – both online and offline, in Singapore and abroad

    120,000 points per year

    None

    e-commerce protection

    Online price guarantee.

    MasterCard Tap and Go for bus rides

    Free access to JetQuay Quayside single trip service

    Promotional offers

    HSBC Revolution Card

    5 points per dollar for online transactions, local dining and entertainment

    None

    None

    Promotional offers from HSBC

    HSBC’s Vacations

    UOB Preferred Platinum Visa Card

    10 UNI$ per S$5 for online purchases and payments made through contactless methods

    24,000 UNI$ per year

    None

    SMART$ rebates

    Promotional offers

    Dining privileges

    How to choose the best online shopping credit card for you

    Here are some important points to consider before you choose an online shopping card for yourself:

    • Cashback or points? Online shopping credit cards in Singapore come in both cashback and rewards points versions. Are you a cashback person or a rebates person? So the first thing you need to decide is the kind of rewards you would like for your online expenses.
    • Only shopping or all online spends? You also need to keep in mind that some credit cards that reward your online transactions also include non-shopping payments such as travel bookings and utility bill payments. You should choose your credit card based on what kind of transactions you’re most likely to do online.
    • How much do you spend? If you are unlikely to meet the spend requirements set by the bank for a particular credit card, don’t get it. You’ll end up spending too much just to get rewards and rebates, which, in the end, don’t really make up for all that extra effort.
    • Do you meet the eligibility criteria? You should check the eligibility parameters and make sure you meet them before applying for a card. This will prevent a rejection and the subsequent credit score dip.
    • Have you checked the annual fee? Choose a card where you can balance the annual fees with the rebates or points that you earn. It is not worth paying a high annual fee if the rebates you get don’t help make up for it.
    • What is the interest rate? Don’t forget that you will be paying interest on the amount you are unable to pay at the end of the grace period. So be aware of the interest rate and the interest-free period.

    Apart from these, you may also want to check out the OCBC Frank Card, the UOB One Card, the UOB Yolo Card, the American Express True Cashback Card, the Standard Chartered Unlimited Credit Card, and the HSBC Advance Credit Card for online shopping benefits.

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