Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Top 10 Credit Cards in Singapore

    As Singapore is moving towards a cashless society, credit cards are becoming the preferred mode of payment for several reasons. You don’t have to carry wads of cash around, it’s a safer way of transacting, and credit cards offer numerous features and benefits including rewards, cashback/rebate, air miles, as well as lifestyle, travel, shopping, entertainment and other privileges.

    Here are the top 10 credit cards in Singapore:

    Citi PremierMiles Visa Card (best for air miles)

    • Earn 2 Citi Miles per S$1 spent in foreign currencies.
    • Earn 1.2 Citi Miles per S$1 spent locally.
    • Citi Miles never expire.
    • Get complimentary travel insurance up to S$1 million.
    • Get personalised Priority Pass Membership with complimentary access to worldwide airport lounges two times per year.
    • Minimum annual income requirement: S$50,000.
    • Annual fees: S$192.60 for principal cards; supplementary cards are complimentary.

    American Express Singapore Airlines KrisFlyer Ascend Credit Card (best for air miles)

    • Get 2 KrisFlyer miles per S$1 spent on eligible transactions on SingaporeAir mobile app, singaporeair.com, KrisShop (online/in-flight) and silkair.com. There’s no cap on the miles-earning potential under this category.
    • Earn 3.2 KrisFlyer miles per S$1 spent on Uber and Grab rides – there’s cap of S$200 per month on these earnings.
    • Get 2 KrisFlyer miles per S$1 spent overseas on eligible transactions in the months of June and December.
    • Get 1.2 KrisFlyer miles per S$1 spent on all other eligible purchases.
    • Complimentary access (4 times per year) to participating SATS Premier Lounge in Singapore and at Plaza Premium Lounges worldwide.
    • Minimum annual income requirement: S$50,000 for Singapore citizens and Permanent Residents and S$60,000 for foreigners.
    • Annual fees: S$337.05 for principal cards and S$80.25 for supplementary cards (1-year fee waiver).

    UOB PRVI Miles World MasterCard Card (best for overseas spends)

    • Earn 6 miles per S$1 spent on select hotel and airlines bookings, 2.4 miles per S$1 spent overseas, and 1.4 miles per S$1 spent locally.
    • Complimentary travel insurance up to S$1 million.
    • Access to UOB Travel Butler services.
    • Minimum annual income requirement: S$50,000 OR a fixed deposit collateral worth S$30,000.
    • Annual fees: S$256.80 for principal cards (1-year fee waiver) and S$120.40 for supplementary cards (first 2 cards are free).

    UOB One Card (best for petrol spends)

    • Enjoy fuel savings of up to 24% at SPC and up to 20.8% at Shell.
    • Earn up to 5% rebate on all eligible spends upon meeting the minimum purchase requirement.
    • A minimum spend of S$500 per month could earn you a higher interest rate on your UOB One Account.
    • Cash rebate is capped at S$300 per month.
    • Minimum annual income requirement: S$30,000 for Singapore citizens and Permanent Residents and S$40,000 for foreigners OR a fixed deposit collateral worth S$10,000.
    • Annual fees: S$192.60 for principal cards (1-year fee waiver) and S$96.30 for supplementary cards (first card is free).

    HSBC’s Revolution Credit Card (best for foreigners)

    • Get 5 reward points per dollar on eligible online transactions (including insurance premium payments), local dining and local entertainment payments.
    • Get 1 rewards point on other eligible transactions.
    • Minimum annual income requirement: S$30,000 for Singapore citizens and Permanent Residents and S$40,000 for foreigners.
    • Annual fees: S$160.50 for principal cards; supplementary cards are free.

    CIMB Visa Signature Card (best for dining)

    • Enjoy 10% cash rebate on your wine & dine transactions and online foreign currency spends.
    • Earn 0.2% cash rebate on all other spends.
    • Enjoy 0% admin fee on foreign currency transactions.
    • Complimentary travel insurance up to S$500,000.
    • Minimum annual income requirement: S$30,000 for Singapore citizens and Permanent Residents aged below 55 years and S$15,000 for eligible applicants who are 55 years and above OR a fixed deposit collateral worth S$10,000.
    • Annual fees: Principal cards are free; S$75 for supplementary cards (1-year annual fee waiver on 2 cards).

    Standard Chartered Unlimited Cashback Credit Card (best for cashback)

    • Earn 1.5% cashback on all transactions with no cap and no minimum spend requirement.
    • This card can be used as an EZ-Link card.
    • Minimum annual income requirement: S$30,000 for Singapore citizens and Permanent Residents and S$60,000 for foreigners.
    • Annual fees: S$192.60 for principal cards (2-year fee waiver).

    Citibank SMRT Card (best for groceries)

    • Get up to 5% savings on groceries when you shop at the following merchants:
      • Giant
      • Sheng Siong
      • FairPrice
      • FairPrice Xtra Kallang Wave (savings up to 7.3%).
      • 5% SMRT rebate will be earned on transactions of minimum S$50 and 3% SMRTS$ will be earned of transactions below S$50.
    • Enjoy up to 5% savings on movies, fast food and coffee at select merchants, on shopping for toys at Toys “R” Us, on recurring transactions, and books at POPULAR bookstores.
    • Enjoy savings of up to 3% on online shopping.
    • Earn 0.3% savings on other eligible spends.
    • Minimum spend requirement of S$300 is applicable. You will earn 0.3% less SMRT rebate if you do not meet this minimum spend requirement.
    • Minimum annual income requirement: S$30,000 for Singapore citizens and Permanent Residents and S$42,000 for foreigners.
    • Annual fees: S$160.50 for principal cards and S$85.60 for supplementary cards (2-year fee waiver on principal and 2 supplementary cards).

    DBS Altitude Visa Signature Card (best for travel)

    • Earn 10 miles per S$1 spent on Kaligo travel bookings until 31 December 2018, and 6 miles per S$1 spent on travel bookings made on Expedia until 31 March 2018.
    • Earn 3 miles per S$1 spent on select flight and hotel transactions (only for the first S$5,000 spent per month).
    • Earn 2 miles per S$1 spent overseas in foreign currencies and 1.2 miles per S$1 spent locally.
    • Complimentary airport lounge access worldwide, twice every year, with Priority Pass Membership.
    • Travel accident insurance cover of up to S$1 million.
    • Minimum annual income requirement: S$30,000 for Singapore citizens and Permanent Residents and S$45,000 for foreigners.
    • Annual fees: S$192.60 for principal cards and S$96.30 for supplementary cards (1-year fee waiver on principal and supplementary cards).

    American Express Platinum Reserve Credit Card (best for luxury spends)

    • Welcome offer: Apply for this credit card and receive the following welcome offers:
      • Complimentary 1-night stay at participating Frasers properties across the world (once per card membership year).
      • Access to members-only Tower Club.
      • 50,000 Membership Rewards points upon S$5,000 spend within the first 6 months.
    • Dining privileges include up to 50% savings at select 5-star hotels in Singapore (with Love Dining @ Hotels), up to 50% savings at carefully curated restaurants (with Love Dining @ Restaurants) and at American Express Selects.
    • This credit card is also the official card partner for the Michelin Guide Singapore.
    • ‘Chillax! by American Express Platinum Platinum’ offers you complimentary drinks at select bars in Singapore.
    • Enjoy golf privileges with complimentary green fees at 40 participating golf courses, subject to T&C.
    • You will have access to 24-hour concierge service, purchase protection against loss/theft of your purchases and return guarantee on your purchases.
    • Enjoy complimentary travel accident and inconvenience cover.
    • Minimum annual income requirement: S$150,000.
    • Annual fees: S$535 for principal cards and S$160.50 for supplementary cards (first 2 cards are free).

    These are currently some of the most preferred credit cards in Singapore. However, the best credit card for you will depend on your lifestyle, spending pattern and eligibility.

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