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If shopping is your major spend category, you must have a shopping credit card that suits your requirement. These cards can be used to buy clothes, shoes, bags, jewellery, or online shopping, and even for purchases at luxury outlets. You may be awarded cashback, rebates, or rewards points for your spends. The more you spend in the card’s special category, the more rewards you will earn.
|Cards Name||Recommended for|
|OCBC Robinsons Group Credit Card||Retail Purchase|
|Citi Rewards Card||Clothes, bags and shoes shopping|
|American Express CapitaCard||CapitaLand Vouchers|
|UOB Lady’s Card||Women to Earn Rewards|
|UOB Lady’s Solitaire Card||Purchase of Luxury Items|
|DBS Takashimaya American Express Card||Takashimaya Voucher Rebates|
|DBS Takashimaya Visa Card||Takashimaya Gift Vouchers|
|Maybank World Mastercard||Retail Stores and Boutiques|
|DBS Black Visa Card||Interest-Free Payment|
|OCBC Titanium Rewards Card||Overseas Spending|
|OCBC Cashflo Credit Card||Automatic Instalment Payments|
|NTUC Plus! Visa Credit Card||FairPrice Stores, Warehouse Club, and Unity|
|OCBC BEST Denki Credit Card||Purchase of Electronic Items at BEST Denki|
|FRANK Credit Card||Online Shopping|
|Standard Chartered MANHATTAN Platinum Mastercard||Cashback|
|UOB JCB Card||Shopping at Japanese Merchant Outlets|
|Metro-UOB Card||Metro Departmental Stores|
|DBS Woman’s World Card||Online Shopping|
|HSBC Advance Credit Card||Shopping with Apple Pay|
Shopping credit cards in Singapore help you stretch your dollar by offering discounts, cashback, reward points, and interest-free purchase payment options among other things. While some shopping cards reward you more for online shopping, there are others that offer you great in-store discounts and deals. There are still others that reward spends in the overseas shopping category. Some co-branded cards offer additional rewards, redeemable vouchers, and discounts when you use your card at a partner merchant outlet. Most shopping cards also offer rewards, cashback, and rebates on other categories such as entertainment, grocery, daily essentials, and even commute. You may also enjoy travel protection and attractive privileges.
Get a discount of 5% when you shop for 18 leading fashion brands at more than 80 stores in Singapore. The rebates earned will be credited to your card account immediately, a feature that makes this card stand out from most others. Check for the cash rebates earned by you in your monthly statements. There is no cap on rebates. You can earn this exclusive rebate on all the in-store merchandise at participating outlets, in addition to other offers and promotions. You can earn rebates on brands such as Zara, Reebok, Lacoste, and Bebe. Check the bank’s website for the full list of brands and the participating outlets.Card Highlights
Get 10x Rewards points when shopping at stores whose main business activity is clothes, shoes and bags (as per the appropriate MCC). The 10x Rewards points is valid on online shopping websites as well as department stores, in Singapore and overseas. Earn 10 Rewards points per S$1 spent which is equivalent to 4 Citi Miles. You can earn up to 120,000 Rewards points every anniversary year. Your Rewards points will be valid for 5 years. You can redeem your accumulated points for gift vouchers, cash rebate or convert to Citi Miles and redeem for flight tickets at partner airlines.Card Highlights
Get 3x STAR$ rewards when you shop at any CapitaLand Mall using this card. Earn 5 STAR$ for every S$1 you spend at CapitaLand Malls. In addition, 10 STAR$ will be awarded on purchase of goods and services, at the end of every month, on a cumulative basis. The points will be awarded in blocks of S$1, capped at S$1,200 in a calendar month. Additionally, you can also earn 10x or 50 STAR$ per dollar on purchase of goods or services at 65 participating merchant outlets at CapitaLand Malls. This is on top of the regular earn rate.Card Highlights
Get UNI$5 for every S$5 you spend on shopping at local departmental stores, overseas shopping, and on online shopping, where transactions have been made in foreign currency. Normally, you’ll be awarded UNI$1 per S$5 you spend. However, for certain categories like shopping, an additional UNI$4 points will be awarded for every S$5, subject to a minimum spend of S$3,000 and a maximum spend of S$5,000, and posted in the relevant billing cycle. For each statement cycle, the bonus UNI$ points awarded to a single cardholder will be capped at UNI$4,000.Card Highlights
Get UNI$10 for every S$5 you spend on luxury brands such as Salvatore Ferragamo, Marni, Jil Sander, Mulberry, and more. You’ll also get UNI$10 for shopping at local departmental stores, ecommerce websites, and when overseas. In addition to the UNI$1 per S$5 that is awarded on all spends, you’ll earn an additional UNI$9 points for every S$5 you spend on certain categories including shopping. This is, however, subject to a minimum spend of S$3,000 and a maximum spend of S$5,000, captured in a single billing cycle. The total bonus UNI$ points that can be earned from eligible spending has been capped at UNI$9,000 per cardholder, in a relevant statement cycle.Card Highlights
Get voucher rebates of up to 6% when you use this card at Takashimaya Square, B2 and Takashimaya Department Store. You can also get an additional 10% discount during special in-store sale events, which are held from time to time. During such special in-store promotional events, you will also get complimentary delivery of your purchased goods, if you meet the minimum spend requirement. You’ll also get 0.5% voucher rebates on spends outside Takashimaya stores. If you visit Takashimaya stores in Japan and shop, you’ll get up to 5% voucher rebates, subject to fulfilment of conditions.Card Highlights
Get 2 Takashimaya Bonus Points for every S$12 you charge to your card. Every 100 Takashimaya Bonus Points can be redeemed for Takashimaya Gift Vouchers worth S$30. You can redeem your Takashimaya Gift Vouchers to offset your future purchases at the store. Visit the Customer Service Centre, Level 3, at Takashimaya to redeem your gift vouchers. Takashimaya Bonus Points are directly credited to your account. It can’t be combined with your main and/or supplementary card account(s). Before 30 June 2018, you can redeem Takashimaya Gift Vouchers worth S$10 for every S$2,000 you spend outside Takashimaya, in a single calendar quarter.Card Highlights
Get 10x TREATS Points per S$1 when you shop at retail outlets and boutiques in Singapore. 10 TREATS Points are equivalent to 4 miles. TREATS Points don’t have an expiry date. This offer is valid till 31 December 2018, unless stated otherwise by the bank. The TREATS Points, earned from a valid transaction made at a participating merchant outlet, will be credited to your card account directly. If the retail outlet isn’t on the Maybank records, TREATS Points earned, will be awarded only after the new outlet or merchant details have been added to Maybank’s records. TREATS Points won’t be awarded for online shopping.Card Highlights
Use your card to make purchases at retail outlets and apparel stores in Singapore and get the option of buying with interest-free payment plans. You can spread your payment over 3 months, 6 months, or 12 months. Currently, the processing fee charged is 0% against the normal 5%. The processing fee waiver offer is valid till 31 December 2018. The My Preferred Payment Plan is only applicable on retail transactions. You have to spend a minimum of S$100 in a single transaction to be eligible for this plan. An administrative fee of S$150 will be levied for early repayment or termination of your card.Card Highlights
Get OCBC$10 for every S$1 you spend on overseas shopping. Whether you’re shopping online or at brick-and-mortar stores when abroad, you’ll be awarded rewards points or miles. OCBC$10 is equivalent to 4 miles. You can earn a maximum of OCBC$120,000 within 1 year from the month in which you had got the card. You will get 10x OCBC$ if you purchase shoes, clothes, bags, babywear or electronic gadgets. You can also earn rewards at an accelerated rate when you make mobile payments (until 31 December 2018), shop at departmental stores, or pay for personal care (until 31 December 2018). For purchases in categories besides the ones mentioned above, when you shop overseas, you’ll get OCBC$1 for every S$1 you spend.Card Highlights
Enjoy better control over your monthly budgets and finances by splitting your large-ticket purchases into small and convenient monthly instalments. This plan can, however, be activated for purchases worth S$100 or more. Split your payments over 3 months when the value of your purchase is below S$1,000 or over 6 months when the value of your purchase is S$1,000 or more. The credit limit available on your card must be sufficient to block out the entire purchase value. It will be restored with every instalment payment. An administrative fee of S$150 will be charged for early repayment or termination of the card account.Card Highlights
Get a rebate of up to 12% on everything at FairPrice if you meet the minimum outstore spend requirement of S$400 in the same month. Outstore spend excludes your spends at FairPrice stores, Unity, Warehouse Club, and FairPrice website. The rebate would only apply if you spend a minimum of S$20 at a FairPrice store in a single transaction. You can also earn rebate of up to 12% on purchases made at Unity. The 12% rebate will include - 7% LinkPoints rebate, 4% FairPrice Annual Cash Rebate, and an additional 1% rebate for cardholders who credit their salary into their NTUC-OCBC Starter Savings Account.Card Highlights
Get 12% BEST Rewards, equivalent to 3% cash rebates, when you purchase electronic items and appliances from BEST Denki stores using this card. Items, purchased using the non-interest instalment plan, will also be eligible for this rebate. There is no minimum spend. You can also get BEST Vouchers worth up to S$80. You can also earn an additional rebate of 2% if you spend at least S$10,000 and 2.5% if you spend at least S$20,000 at BEST Denki stores in a year.Card Highlights
Get a cash rebate of up to 6% when you make purchases online. These rebates are applicable across multiple categories, including purchase of clothes and gadgets, hotel and flight ticket reservations, Grab rides, movie tickets, and certain Paypal transactions. Barring certain online spend categories, the bank offers a 6% discount on any spend that qualifies as an online purchase in accordance with Visa codes or as identified as one by the acquiring bank of the merchant. Payments made via phone or mail orders won’t be considered under the online spend category. Payment of credit card bills is also excluded.Card Highlights
Get 10x DBS Points for every S$5 spent on online shopping. The bank defines an online purchase as a retail transaction made using online payment modes and processed by a merchant through Visa or Mastercard. It uses system indicators, used by merchants and their acquiring banks, and passed onto DBS, to determine an online transaction. Normally, you would get 1x DBS Point for local online spends and 3x DBS Points for overseas online spends for every S$5. The additional 9x DBS Points for local and 7x DBS Points for overseas online transactions would only be credited to your account on the first S$2,000 you spend every calendar month.Card Highlights
Get up to 3% cashback when you shop with this card. All your local and overseas purchases are eligible. The maximum cashback you can earn in a year is S$800. Cashback is calculated on a monthly basis depending on the date on which the relevant statement is generated. If you spend less than S$1,000 in eligible transactions in a month, cashback will be awarded at the rate of 0.5%. If you spend more than or equal to S$1,000 but less than S$3,000, cashback will be awarded at the rate of 1%. The rate of cashback will be 3% for eligible monthly transactions of S$3,000 or more. The maximum cashback you can earn per quarter has been capped at S$200.Card Highlights
Get up to 6% rebate on your transactions at Japanese stores such as UNIQLO, Tokyu Hands, Isetan, Meidi-Ya, Kuriya Dining, Sushi Tei, Ichiban Boshi, Kuriya Japanese Market, and Ichiban Sushi. You’ll receive 6% rebate only if you spend a minimum of S$300 in a calendar month. If you don’t meet the minimum spend criterion, you’ll get a rebate of 3%. The total cash rebates you can earn in a calendar month is capped at S$50. Cash rebates aren’t offered on donations made to religious or charitable institutions, and payments made for government services. For payments made outside the participating merchant outlets, you’ll get a cash rebate of 0.3%.Card Highlights
Get a discount of 10% on the regular-priced items when you shop at Metro stores with this card. You’ll get a discount of up to 20% when you shop at Metro during your birthday month. Additionally, you’ll also get 5% Metro$ rebates on your purchases at Metro departmental stores. The 10% discount is offered on all items with blue tags every day. This offer is available all through the year. The 5% Metro$ rebate is available on all Metro merchandise including sale items. These can be exchanged for Metro Shoppers Cheques, which can be used for offsetting the value of your future purchases. The Metro$ rebates expire after 12 months from the month in which you had earned them.Card Highlights
Link your card to Apple Pay on your compatible Apple device and start making easy, fast, and reliable payments. After you have linked this card to Apple Pay, you can make payments on the web, in app, and in store (contactless). You can make payments with your Apple devices such as Apple Watch, Mac, iPhone, and iPad. When you link this card to Apple Pay, you’ll continue to earn the same rewards that are offered on the principal card. A unique code is generated for every single purchase, which ensures that your card details aren’t saved on your device or the merchant’s, minimising risks of fraud. You can use Apple Pay at checkout counters with the Apple Pay or “contactless payment” signal.Card Highlights
Disclaimer: The “best” cards that have been enumerated here have been done so without any prejudice against any brand, card, or other spend categories.
In order to choose a right shopping credit card that suits your needs, consider the following:
If you meet the spending criteria and fulfil the mandatory terms & conditions on your card, your benefits will include:
Another reason to buy a shopping credit card is the cashback you receive on your purchases. Starting from 1% and sometime up to 5% or beyond, you can earn cashback on your purchases. If neither, you will definitely earn points on your charges. Safety is a major concern when using your credit anywhere. Credit card companies today have taken extreme caution and all measures to ensure safety of your card and transactions. In the present times, paying with your credit card has reduced the risk of fraud. Even in case of credit card fraud, the money lost in the fraudulent transaction will be reversed so no loss will be incurred by you. Also, another advantage of making purchases for your shopping endeavors using your credit card is that you always have a grace period to make the payments. You have sufficient time to repay the purchases made.
Shopping credit cards are specially designed to offer various perks such as rewards, cashback, vouchers, rebate, etc. on your spends towards clothes, jewellery, bags, shoes, and other items of attire. You can earn these perks whenever you shop. A shopping card is best suitable for avid shoppers and whose major monthly credit card spends belong to that category. It’s also suitable for those who can properly utilise their rewards, cashback or rebate, and make the most of the card.
Banks in Singapore provide shopping credit cards that enable you to shop, by providing a credit line and rewards. However, an interest is charged on your credit card, ranging from 25.9% p.a. to 26.9% p.a. If you pay your credit card bill every month within the due date, shopping credit cards could be very beneficial. But if you fail to pay the bill before the due date, you will have to pay additional interest and late payment fee to the bank. This will negate any earnings you made in the form of rewards points or cashback. The cashback, rebate or rewards that you earn on your shopping credit cards can be redeemed for various benefits such as vacation vouchers, shopping vouchers, Krisflyer or Asia miles, to offset credit card bills, pay recurring bills, etc. However, the redemption policy differs from bank to bank.
Before getting a shopping credit card, you must consider several things to check if the card suits your requirement. Given below are a few things to check while getting a card:
A good shopping credit card rewards your spends and gives you value for money. However, using the right card for the right shopping category is the key to get more bang for your buck. With the following tips, you will be able to save more when you use your card for shopping:
While 0% instalment payment plans are attractive, missing out on even a single payment may invoke higher interest rates, and penalty fees. You should opt for such a plan if you’re sure that you can repay the monthly instalments in full. Also, make sure that you have sufficient credit on your card to block out the purchase value, initially. Remember, that your credit limit won’t be restored until you make timely payments.
If you shop online more than offline, try to apply for a card that offers greater rewards, cashback, or discounts on online spends. Finding a card that is in alignment with your spending habits is key to greater savings.
Many card issuers tie up with retail stores and online brands. During special events, you can get bigger discounts, rewards, cashback or more when you spend with your card. Check the terms and conditions of these offers before you start purchasing with your card.
Since participating merchant outlets usually offer higher discounts, more rewards, and greater benefits than other stores, try to maximise the use of your card at these stores. Usually, you’ll either earn rewards at a lower rate when using your card at a different outlet or you won’t earn any rewards.
While getting rewarded for your purchases is a great thing, don’t lose sight of the fact that at the end of the day, you’re trying to save more and improve your cash flow. If a card offers rewards on certain spend categories but charges exorbitant interest rates and associated fees, or has extremely severe penalty clauses, don’t apply for such a card.
With some cards, you may get a free delivery of your purchased items on meeting a certain minimum spend requirement or get free parking on weekends. By using such cards, you can increase your overall savings and convenience.