Compare Credit Cards
Greg Test
Rewards
Annual
Fee Waiver
EnjoyCompare Rating
Citi PremierMiles Card
Rewards
Earn Miles Faster
Annual
S$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/citi-premiermiles-desktop/
- Earn Citi Miles that never expire!
- Earn up to 2 Citi Miles per S$1 on overseas transactions.
- Earn up to 1.2 Citi Miles per S$1 on local transaction (no min. spending).
- Citi PayAll – Pay your rent, school fees, taxes and electricity bills using your credit card and earn miles for each payment.
Enjoy a welcome gift of up to 37,300 Miles when you apply and spend on your Citi PremierMiles Card.
Citi PremierMiles Credit Card
If you’re looking for a credit card that gives you AirMiles and Reward points, then you can’t go wrong with the Citi PremierMiles Card. With 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas you can very quickly scale your Citi Reward Miles. Not only that but the transfer of Citi Miles to Krisflyer Miles is 1-for-1 and your Citi Miles NEVER EXPIRE. Although you do have to pay a minimal S$25 transfer fee. Lastly, you can turn your miles into cash with a cash rebate on any purchases of 1,400 Citi Miles = S$10 cash rebate (0.85% cashback on all purchases uncapped).
Pro’s of Citibank PremierMiles Card:
- 1-for-1 Citibank Miles to a wide range of airline AirMile programs, including KrisFlyer, Asia Miles, Executive Club, Etihad Guest, Qantas, Qatar and Flying Blue.
- Collect and generate Citi Miles that NEVER EXPIRE, so you can enjoy your rewards when you choose!
- Up to 10% Citi Rebate at over 300 locations, including Starbucks, Subway and Sheng Siong.
Con’s of Citibank PremierMiles Card:
- The Citibank PremierMiles card is purely designed for travellers, so don’t expect a world of other privileges. Although you do get to enjoy VIP complimentary access to airport lounges, travel and accident insurance, as well as year-long VISA Signature Privileges
- Cardholders must spend S$3,000 within 3 months from the date of card approval to enjoy the welcome 10,000 miles bonus.
HSBC Advance Credit Card
Rewards
Up to 3.5% Cash Back
Annual
S$0
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/hsbc-advance-card-desktop/
- No minimum spend required.
- 1-year annual fee waiver (Perpetually waived for HSBC Advance banking customers).
- Enjoy 2.5% Cashback on all purchases and an additional 1% Cashback for HSBC Advance customers.
- Enjoy flexible monthly payment and no processing fee with HSBC’s Card Balance Conversion Plan.
Receive a free Samsonite Prestige luggage 69cm with built-in scale (worth SGD670)
HSBC Advance Credit Card
This card is open to all applicants, but HSBC Advance customers receive additional benefits. With no minimum spend required, you can enjoy up to 3.5% Cash Back on all your purchases (2.5% for purchases with a monthly spend above S$2,000 and 1.5% on all purchases below S$2,000). Plus HSBC Advance customers enjoy perpetual annual fee waiver on the HSBC Advance primary and supplementary credit card and an addition 1% cashback on all spends.
Pro’s of HSBC Advance Card:
- High cashback rebate rate of 2.5% and 3.5% for Advance customers on all spends, regardless of the category.
- Up to 16% instant petrol discount at all Caltex and 14% at Shell stations.
- A one-time promotional rate of 0.8% p.a. for 6 months on HSBC balance transfers.
Con’s of HSBC Advance Card:
- Cash back rebate is capped at S$70 for all non-HSBC Advance banking customers, while HSBC Advance banking customers cash back is capped at S$125 a month.
- The perpetual annual fee waiver is for HSBC Advance primary and supplementary credit card only.
American Express KrisFlyer Credit Card
Rewards
Earn up to 29,800 KrisFlyer miles
Annual
S$176.55
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/amex-kfb-desktop/
- Welcome Bonus of 5,000 KrisFlyer miles upon first spend on Card.
- Enjoy 1.1 KrisFlyer mile for every S$1 spent on all your eligible purchases with your Card.
- Spend Bonus of 8,000 KrisFlyer miles upon spending S$4,000 in the first 3 months upon Card approval.
- Additional spend bonus of 8,000 KrisFlyer miles upon spending S$4,000 in the 4th – 6th month of Card approval.
Receive up to 29,800 KrisFlyer miles in your first 6 months.
American Express KrisFlyer Credit Card
When it comes to travelling, it’s important to have the right travel credit card to ensure you’re getting the most from your overseas and local spending. This can take the form of reward points, cashback or as the American Express KrisFlyer card provides, AirMiles! Customers enjoy 1.1 KrisFlyer miles for every S$1 spent on all your eligible purchases and earn 2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases. Plus new customers receive a bonus of 5,000 KrisFlyer miles the very first time you charge to your new card.
Pro’s of American Express KrisFlyer Card:
- Purchase your travel tickets with your American Express card and receive free Travel Inconvenience & Travel Accident Benefits of up to S$350,000.
- Enjoy hassle-free conversion as all KrisFlyer miles earned with the American Express which are conveniently credited directly into your KrisFlyer account.
- Earn 2 KrisFlyer miles for every S$1 spent on eligible purchases made on singaporeair.com, SingaporeAir App, silkair.com, KrisShop and at SilkAir SkyShop, both in-flight and online.
- Receive S$150 Cashback for use on your next purchase on singaporeair.com when you spend S$12,000 on your Card from 1 July 2020 to 30 June 2021.
Con’s of American Express KrisFlyer Card:
- Miles are effortlessly transferred to your KrisFlyer account with no admin fee, but this means they start to expire.
- Some other travel cards offer a higher S$1 to Miles ratio, but potential hidden fees apply, so do your research.
Standard Chartered Rewards Plus Credit Card
Rewards
10X rewards points with every S$1 spent
Annual
$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/scb-rewards-plus-desktop/
- Enjoy up to 5X rewards points for every S$1 spent on dining transactions.
- Enjoy 1 rewards point for every S$1 spent, on all eligible spend.
- No minimum monthly or quarterly spend required, just good old rewards points!
- Enjoy up to 10X rewards points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
Get up to S$80 Cashback.
Standard Chartered Rewards+ Credit Card
If you’re looking for a modern rewards credit cards, that fits with your daily spending habits, then the new Standard Chartered Rewards+ credit card is perfect for you! With 10X rewards points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions. What’s more, you can earn up to 5X rewards points for every S$1 spent on dining transactions. All of this is with No minimum spend required, that’s right!
Pro’s Standard Chartered Rewards+ Card:
- Enjoy up to 19.7% savings on your monthly fuel purchase.
- Enjoy up to 15% cashback (capped at $30 a month) with Grab rides at home and abroad.
- Convert your retail transactions above $500 into 6 or 12 months interest-free instalments with a one-time service fee.
Con’s Standard Chartered Rewards+ Card:
- Earn just 1 rewards point for every S$1 spent, on all eligible spend. However, you do get to enjoy No minimum spend required, which is standard across this amazing card.
- The additional reward points you receive on dining and international spends is capped at 20,000 points a year.
Citi Rewards Card
Rewards
Earn 10X Reward Points
Annual
S$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/citi-rewards-desktop/
- *New* 10X Rewards* on all your online purchases (except travel-related transactions^).
- 10X Rewards* on your shopping# spend made locally and overseas.
- 1X Rewards Points on all other spends, no cap.
- No minimum spend required.
- Citi PayAll – Pay your rent, school fees, taxes and electricity bills using your credit card and earn reward points for each payment.
Apply today and receive up to 30,000 Citi Points when you apply and spend.
Citibank Rewards Credit Card
If you’re the type of person that likes being rewarded for spending, then the Citibank Rewards Credit Cards is the card for you! As one of the best Rewards credit cards on the market, Citi have put together a great line-up of rewards and benefits that make the Citi Rewards credit card the best in Singapore. Cardholders Enjoy 10X Rewards when you shop for shoes, bags and clothes at online or retail stores, or department stores, locally and overseas.
Pro’s Citibank Rewards Card:
- 10x rewards or Citi Dollars when you shop on Shoes, bags and clothes at online or retail stores, or department stores, locally and overseas. All other spend is at 1x rewards points.
- Earn up to 10% rebate on top of your other card benefits, with your Citi Credit Card, at over 300 locations.
Con’s Citibank Rewards Card:
- 10x rewards promotions are capped at 20,000 Citi Dollars per statement cycle, which is worth knowing if you are going on a serious shopping spree!
- The maximum amount of 10X Reward Points is capped at a maximum of 120,000 Rewards points per card anniversary year.
HSBC Visa Platinum Credit Card
Rewards
Free Samsonite Spinner Luggage
Annual
S$180
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/hsbc-platinum-desktop/
- 1 Rewards point with every dollar spent.
- Up to 5% cash rebate on dining and groceries purchases.
- Receive up to SGD1,000 worth of cash rebate yearly.
- Enjoy the best of both worlds with this cash back and rewards credit card.
- Up to 5% cash rebate on petrol, with up to an additional 16% discount at Caltex and Shell stations.
Receive a free Samsonite Prestige luggage 69cm with built-in scale (worth SGD670).
HSBC Platinum VISA Credit Card
With the benefit of both worlds, the HSBC VISA Platinum card is a cashback card with the advantage of a fairly substantial rewards program, including dining, entertainment and more. Customers enjoy 5% cash rebate on your recurring Mobile, Cable TV, and Internet Bill Payments and up to 5% cashback on Groceries, Dining and Petrol spend at Caltex and Shell stations.
Pro’s of HSBC Platinum Card:
- High rebate percentage of 5% for qualifying spend categories of Mobile, Cable and Internet Bills, Groceries, Petrol and Dining.
- A whole host of privileges and discounts with HSBC Rewards, including 10% off total bill with minimum spend of S$50 and 15% off a la carte bill at Spizza.
- Best of both worlds with 1 reward points for every dollar spent.
Con’s of HSBC Platinum Card:
- A quarterly cap of S$60 on all cash rebate, with a minimum, spend of S$400 in eligible purchases per month for all 3 months in a quarter. Therefore capping the total annual cashback to S$240.
- A quarterly cap of S$120 on all cash rebate, with a minimum, spend of S$800 in eligible purchases per month for all 3 months in a quarter. Therefore capping the total annual cashback to S$480.
- To enjoy the 5% online bonus rebate, cardholders must charge a minimum of S$600 in Qualifying Transactions to their card to qualify for the bonus 5% cash back (capped at S$50 per Qualifying Month).
American Express True Cash Back Card
Rewards
3% Cashback for the first 6 months
Annual
S$171.20
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/amex-true-desktop/
- Fee waived for the first year.
- 1.5% Cash back on all local purchases throughout the year.
- 1% Cash back on Foreign currency.
- No minimum spend and no earn cap.
- Enjoy 3% cash back, capped at S$150 Cashback on your first S$5,000 spend within the first 6 months.
Get up to S$80 CapitaVouchers when you spend of S$500 in the first month of Card approval.
American Express True Cashback Credit Card
With a lot of dedicated cashback cards in the market, it’s sometimes hard to choose the right card to suit your spending patterns. That’s why the American express cashback card is so popular, with a flat rate of 1.5% on all purchases all year long. What’s more, you get to enjoy a host of extra benefits, including the American Express Selects and Dining Program, as well as the American Express Global Assist.
So if you are looking for a credit card that consistently gives your cashback, without having to change spend categories or worry about monthly rebate caps, then the True can is perfect for you.
Pro’s of American Express True Card:
- Easy, no fuss, cash back of 1.5% all year round, with no monthly caps.
- A welcome offer of 3% cashback for the first 6 months up to a total of S$5,000 spend for the first 6 months plus a fee waiver for the first year.
- Travel Inconvenience Insurance and Travel Accident Benefits, including luggage loss & delay.
Con’s of American Express True Card:
- Depending on your spending habit and patterns you can earn a higher cashback with some category based cashback cards, typically 4-8% rebate capped.
Citi Cash Back Card
Rewards
8% cash back on dining daily
Annual
S$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/citi-cash-desktop/
- Dining – 8% cash back at restaurants, cafes worldwide.
- Petrol – Up to 20.88% fuel savings at Esso & Shell, and 8% cash back at other petrol stations.
- Groceries – 8% cash back at supermarkets and grocery stores worldwide.
- All Other Retail Spend – 0.25% cash back, no cap.
Apply now to get S$120 cash back and enjoy 8% cash back on Dining, Groceries and Petrol, worldwide.
Citi Cash Back Card
The Citi Cash Card offers a huge 8% (7.75% to be precise) cash rebate on Dining, Groceries and Petrol. This cash rebate is capped to S$25 per category each month, if you accumulate a total retail spend of S$888, with a 0.25% cashback rate on all additional spends. What’s more, cardholders can enjoy Citi World Privileges, which include 8% off hotel bookings to selected destinations with Agoda and up to 10% off hotel bookings with Expedia.
Pro’s of Citi Cash Back Card:
- High cashback of 8% (7.75% to be precise) on key spending categories, but make sure these match your natural spending habits.
- Free Travel Insurance – Simply charge your travel ticket to your Citi Cash Back Card and activate your travel insurance here.
Con’s of Citi Cash back Card:
- Capped category cashback rebate of S$25 per category, per month, with a minimum, spend of S$888 a month.
OCBC 365 Credit Card
Rewards
Cashback on all your daily spends
Annual
S$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://enjoycompare.typeform.com/to/EsBSez?cardname=OCBC365
- 6% cashback on Local and overseas dining.
- 3% cashback on Local and overseas online transactions and supermarkets.
- 3% cashback on Local and overseas private hire rides (e.g. Grab, Go-Jek, ComfortDelGro and TADA).
- 3% cashback on Recurring telco bills and electricity bills (e.g. StarHub, Singtel and Sembcorp Power).
Apply today and receive S$50 cash rebate upon approval.
OCBC 365 Credit Card
If you’re looking for an all-around cash back card, that offers a no fuss cash back on all purchases – Then the OCBC 365 credit card is perfect for you. As long as you spend a minimum of S$800 based on posted transactions in a calendar month. If you spend less than S$800, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month.
Pro’s OCBC 365 Card in Singapore
- Minimum Cashback on all purchases of 0.3%, with higher rebates on selected categories.
- Up to 23% Fuel savings at Caltex and 20.4% fuel savings at Esso (Till 30 June 2019).
- Access to Visa Signature Privileges.
- Receive S$40 cashback when you sign up with Sembcorp Power, Senoko Energy, Keppel Electric or Geneco on your recurring electricity bill payment.
Con’s OCBC 265 Card in Singapore
- Spend a minimum of S$800 based on posted transactions in a calendar month. If you spend less than S$800, a flat 0.3% cashback is awarded.
- Cashback amount is capped at S$80 per calendar month.
Standard Chartered Unlimited Cashback Card
Rewards
1.5% unlimited cashback
Annual
$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/scb-unlimited-desktop/
- Annual Fee is waived for the first 2 years.
- Enjoy 1.5% cashback on all spend with no cashback cap and no minimum spend, all year round.
- The Credit Card doubles up as your ez-link card with the EZ-Link facility enabled.
- Enjoy up to 50% off a la carte dining and selected buffets at The Fullerton Hotel and The Fullerton Bay Hotel.
Get up to S$80 Cashback.
Standard Chartered Unlimited Cash Back
The Unlimited Cashback credit card from Standard Chartered is one of the latest cards to launch in Singapore. With an unlimited flat rate of 1.5% cashback on all your retail spends. The card also comes with a petrol discount of up to 19.7% at Caltex and the card doubles up as an EZ-Link card. The credit card comes with a fairly standard annual fee of S$192.60 and 2 years fee waiver.
Pro’s of Standard Chartered Unlimited Cash Back Card:
- Great card, If you have an unpredictable spending pattern, as users can earn unlimited cash back on all transactions of 1.5%.
- Great for people whose lifestyle or Job require them to move around the city frequently (EZ-Link & petrol discounts).
- With Unlimited cashback users who spend over S$2k a month will greatly benefit, as most other rebate cards have cash back caps per month.
Con’s of Standard Chartered Unlimited Cash Back Card:
- People who consistently spend on a particular category i.e. Dining could benefit from higher cashback rates with other cards, typically 4-8% cash rebate.
HSBC Visa Infinite Credit Card
Rewards
Exclusive Travel Benefits
Annual
S$650
Fee Waiver
No
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/hsbc-infinite-desktop/
- Earn miles faster with up to 2.25 AirMiles for every S$1 spent
- Complimentary worldwide travel insurance up to US$2 million
- Complimentary limousine transfer & expedited immigration clearance
- Complimentary green fees all year round at Serapong course at Sentosa Golf Club
- Enjoy unlimited access to over 700 VIP airport lounges worldwide with Priority Pass™ Membership for cardholders and supplementary cardholder(s)
Apply today and receive a welcome gift of 35,000 air miles at over 30 airlines.
HSBC Infinite Credit Card
This isn’t a card for everyone, in fact, this card is only for the exclusive few. The HSBC Infinite credit card comes with a whole world of travel, dining, golf and hotel privileges, that are specifically tailored for the true frequent flyer. These privilege and exclusive benefits all come with strict eligibility criteria and applicants must have a minimum annual income of S$120,000 or a minimum fixed deposit of S$30,000 is required to be maintained with HSBC until account closure.
Pro’s of HSBC Infinite Card:
- Limousine transfers and expedited immigration clearance, with 1 complimentary limousine transfer and 1 expedited immigration clearance with every S$2,000 spent on eligible purchases in a month, up to 24 times each in a calendar year.
- Complimentary Travel Insurance, with coverage for over 20 benefits of up to US$2,000,000 when you charge the full travel expense to your HSBC Visa Infinite card.
- A superior earn rate of up to 2.25 air miles for every S$1 spent.
- Complimentary room upgrades and preferential rates and Complimentary green fees and worldwide golfers’ insurance of up to S$500,000.
Con’s of HSBC Infinite Card:
- High minimum annual income of S$120,000 criteria.
- High annual card fee of S$650 (inclusive of GST), however, this is reduced to S$488 for HSBC Premier customers (inclusive of GST).
Citi Lazada Card
Rewards
S$150 Lazada Voucher
Annual
S$192.60
Fee Waiver
Yes (First year annual fee waived)
EnjoyCompare Rating
- Earn 10x Reward Points on Lazada
- 5X Reward Points on Dining, Travel, Entertainment and Commute.
- Earn 1X Reward Point on everything else.
- Enjoy shipping rebate when you spend a min. of S$50 per transaction on Lazada.
Welcome gift of S$150 Lazada Vouchers as you spend.
Citi Lazada Credit Card
This is a great new Citibank credit card for those who regularly shop at Lazada and who like to be rewarded in other areas too! Cardholders will enjoy a huge 10X Reward Points* and shipping rebates on Lazada, 5X Reward Points* on lifestyle categories, and 1X Reward Point* on everything else.
Pro’s Citi Lazada Card:
- 10x Reward Points* and shipping rebates on Lazada.
- 5x Rewards Points* on on your Dining, Travel, Entertainment and Commute.
- Enjoy complimentary travel insurance when you charge your airfare to your Citi Lazada Credit Card.
- Enjoy the freedom of redeeming your Reward Points with Citi Pay with Points or for cash rebate via SMS.
- Get exclusive offers on Lazada throughout the year.
- 1 year fee waiver (first year annual fee waived).
Con’s Citi Lazada Card:
- Lazada shipping rebate applies when you spend a minimum of S$50 per transaction and is capped at 4 shipping rebates per month.
- $150 Lazada vouchers are subject to certain conditions including a minimum spend of S$1,200 within the qualifying period.
Standard Chartered SingPost Spree Credit Card
Rewards
Up To 3% cashback
Annual
S$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/scb-spree-desktop/
- 1% cashback on all eligible retail purchases.
- 3% cashback on online transactions in foreign currency and vPost transactions.
- 2% cashback on all other online spends in local currency, including contactless and mobile payments.
- Enjoy an Online Price Guarantee which refunds you 50% of the price difference if you find a lower price of the same item within 30 days.
With no minimum spend and up to S$60 cashback monthly
Standard Chartered Spree Card
The standard chartered Spree card is the updated SingPost card offered by Standard Chartered. The Spree card comes fully loaded with cashback rewards for the cardholder that spends online. With 3% cashback on all online transactions in foreign currency and vPost transactions and 2% rebate on local spend. Whats more the Spree Credit Card comes with a monthly cashback cap of S$60, with no minimum spend, which is much higher than other cards in Singapore.
Pro’s Standard Chartered Spree Card:
- 3% cashback on all foreign currency transactions and vPost transactions.
- 2% cashback on all local online spends, including transactions, made using mobile wallets and/or contactless transactions.
- 1% cashback on all retail spends.
Con’s Standard Chartered Spree Card:
- AXS, ATM, tax payments and top-up or payment of funds to any prepaid cards transactions using the SingPost Spree Card are not eligible for cashback.
- Although this card offers one of the highest cashback caps of S$60 a month, we would prefer to see unlimited cashback (just call us picky).
Citibank SMRT Credit Card
Rewards
The best card for your everyday need
Annual
S$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/citi-smrt-desktop/
- Enjoy up to 5% savings on groceries (Up to 7.3% at FairPrice Xtra Kallang Wave).
- Enjoy up to 5% savings on fast food, movies and coffee.
- Enjoy up to 3% savings on online shopping.
- Enjoy up to 1% savings on selected telecommunications, insurance and town council bills.
Citibank SMRT credit card offers convenient EZ-Reload facility to enjoy Auto Top-up when your EZ-Link value is insufficient.
Citibank SMRT Credit Card
The Citi SMRT card is one of the best rewards cards in Singapore with savings of up to 5% on your daily spend. Plus cardholders can redeem the SMRT$ points for SMRT rides, shopping vouchers or cash rebate with a 1-for-1 exchange e.g. 1 SMRT$ for S$1. Whats more the SMRT card come fully loaded with Visa payWave for contactless payment and EZ-Reload facility to enjoy Auto Top-up when your EZ-Link value is insufficient.
Pro’s Citi SMRT Card:
- 5% savings on groceries (7.3% for FairPrice Xtra Kallang Wave), fast food, movies, coffee and 3% savings on online shopping!
- Earn up to 10% rebate on top of your other card benefits, at over 300 locations, including Starbucks and Subway.
Con’s Citi SMRT Card:
- Cardholders earn 4.7% SMRT$ for transactions of $50 and above and 2.7% SMRT$ is awarded for transactions less than $50.
- Cardholders may accumulate a maximum of 600 SMRT$ during any Qualifying Period.
HSBC Revolution Credit Card
Rewards
Free Samsonite Spinner Luggage
Annual
S$150
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/hsbc-revolution-desktop/
- 5X Rewards points for Online, Dining and Entertainment spend.
- 1X Rewards points with every $1 charged on all other purchases.
- Enjoy exclusive promotions with Agoda, Zalora and Golden Village.
- First 2 years fee waiver.
Receive a free Samsonite Prestige luggage 69cm with built-in scale (worth SGD670).
HSBC Revolution Credit Card
If you are looking for a solid rewards card with low annual eligibility criteria, then the HSBC Revolution card is perfect. With a good 5x reward points for every S$1 spend on local dining, online purchase, local entertainment and 1x reward for all other transactions.
Pro’s of HSBC Revolution Card:
- High 5x reward points to very S$1 spent on qualifying categories – Local dining, Local entertainment and online purchases.
- 1 Reward point for S$1 spent on all other transactions.
- No minimum spend required and no cap on points earned.
- Rewards points last up to THREE years.
- 2 years’ annual fee waiver.
- Enjoy up to 75% off hotel bookings + additional 8% off selected destinations with Agoda and 10% off hotel bookings with Expedia.
Con’s of HSBC Revolution Card:
- Limited additional perks to speak of (i.e. lounge access, airport limousine service, etc.)
- 5x Rewards points are capped at 1,000 HSBC Rewards points per Account per calendar month (i.e. up to S$200 spend).
Standard Chartered Platinum Visa/Mastercard Card
Rewards
360° Rewards programme
Annual
S$180
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/scb-platinum-desktop/
- Enjoy 1-for-1 Dining offers at participating restaurants with The Good Life®.
- Every $1 charged to your Credit Card will earn you 1 Rewards point.
- Amazing dining, shopping and travel privileges with The Good Life™.
- Enjoy golf privileges and access to 24-hour Platinum concierge service.
Get up to S$80 Cashback.
American Express Platinum Credit Card
Rewards
A life as rewarding as it is vibrant
Annual
S$321
Fee Waiver
No
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/amex-platinum-desktop/
- Enjoy up to 50% off your food bill at over 50 restaurants.
- Receive 15,000 Membership Rewards® points when you successfully refer a friend.
- Enjoy a complimentary drink with purchase of at least one item from the merchant’s menu at over a dozen fashionable bars in Singapore.
Receive 25,000 bonus Membership Rewards points upon spending S$6,000 in the first 3 months.
American Express Platinum Credit Card
If you’re looking for a credit card with fantastic rewards; including Dining, Golf Privileges and Exclusive Platinum Offers, then this is the card for you. The American Express Platinum Card comes with complimentary The Far Card classic membership* (worth $425 nett) and they are the official card partner for Michelin Guide Singapore. Furthermore, customers can enjoy complimentary green fees* with a paying companion on weekdays, and two paying companions on weekends at 40 of the region’s premier golf and country clubs. Not forgetting the Platinum Wellness program, that entitles customers to spa privileges, spa discounts and much more at Singapore’s best spa resorts.
Pro’s of American Express Platinum Card:
- The AmEx Platinum card offers exclusive access to a wide range of fantastic program and rewards, across all categories (Dining, Golf, Wellness and Travel).
- No worries financial protection with 90-days return guarantee, even if the store does not accept, you can return almost any purchase made in Singapore for a refund up to S$800 per item (T&C’s Apply).
- Rewards points that do not expire, means you can redeem them straight away or save them up for future use.
Con’s of American Express Platinum Card:
- Annual Card Fee of S$321 (inclusive of GST) with no fee waiver, but you do get your money’s worth if your lifestyle matches the Platinum programs.
- The AMEX Platinum card isn’t for everyone and Singapore Citizens and Residents will need to have earnings which provide an income of over S$50,000 p.a and for Expatriates, you have earnings which provide a minimum income of over S$60,000 p.a.
Citibank Prestige Credit Card
Rewards
The Citi Prestige Benefits
Annual
S$535
Fee Waiver
No
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/citi-prestige-desktop/
- Earn 3.25 Thank You Points (or 1.3 miles) for every dollar you spend locally.
- Earn 5 Thank You Points (or 2 miles) for every dollar you spend overseas.
- Complimentary night at any hotel of your choice after a minimum 4-consecutive-night booking.
- Unlimited airport lounge access.
- Starwood Preferred Guest® Gold Status.
- Citi PayAll – Pay your rent, school fees, taxes and electricity bills using your credit card and earn reward points or miles for each payment.
Apply now and receive 62,500 Citi ‘Thank You’ points (or 25,000 miles).
Citi Prestige Credit Card
The Citi Prestige card has been designed for VIP travellers that need more from their credit card, from airport lounge access to airport limousine transfers to or from Changi International Airport, you get it all with Citi Prestige. The Citi Prestige card enjoyed one of the highest spend to reward point ratios, with 5 ThankYou Points (2 Miles) for every S$1 spent overseas and 3.25 ThankYou Points (1.3 Miles) for every S$1 spent locally. What’s more, cardholders can enjoy up to six complimentary golf games at highly celebrated golf courses in Singapore, Malaysia, Indonesia and China.
Citi Prestige Pro’s
- Unlimited Citi ThankYou Points – here’s no limit to how many Points you can accrue and they never expire, so you can save for a reward you really want.
- Flexible redemption – Redeem your Points for anything you may have purchased, as a cash rebate or even as miles on your favorite frequent flyer program.
- Citi Prestige global events – You’ll have access to experiences all over the world, including VIP access to concerts, and cultural and sporting events.
Citi Prestige Con’s
- A fairly hefty annual membership cost of S$535 a year.
American Express KrisFlyer Ascend Card
Rewards
Bonus of 56,200 KrisFlyer miles
Annual
S$337.05
Fee Waiver
No
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/amex-kfa-desktop/
- Receive 5,000 KrisFlyer miles upon first spend on Card.
- Receive 16,000 bonus KrisFlyer miles upon spending S$8,000 in the first 3 months of Card approval.
- Receive and additional 16,000 bonus KrisFlyer miles upon spending S$8,000 in the 4th – 6th month of Card approval
- Plus enjoy 9,600 or 19,200 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally (based on S$8,000 or S$16,000 spent on eligible purchases above).
- Enjoy a complimentary night stay each year at participating Hilton Properties in Asia Pacific.
- Enjoy four complimentary lounge access passes to any participating SATS Premier and Plaza Premium Lounge each year.
Enjoy up to 56,200 KrisFlyer miles in your first 6 months.
American Express Ascend Credit Card
If you’re a fan of Singapore Airlines, you’ll be a fan of the American Express Ascend Credit Card. With a superior dollar to KrisFlyer miles earning rate and hassle-free conversions at no extra charge, the American Express Ascend card is one of the best travel cards in Singapore. What’s more, cardholders enjoy exclusive offers and miles bonuses all year round. So why not apply today and start earning at a rate of 1.2 miles for every S$1 spent on all eligible purchases. Furthermore, cardholders earn 2 KrisFlyer miles for every S$1 spent on eligible purchases made on singaporeair.com, SingaporeAir App, silkair.com, KrisShop and at SilkAir SkyShop, both in-flight and online.
Pro’s of American Express Ascend Card:
- High S$1 to KrisFlyer miles ratio, with no transfer fee and no hassle automated miles transfer.
- Welcome bonus of 5,000 KrisFlyer miles the very first time you charge to your card.
- Spend bonus of 16,000 KrisFlyer miles on S$8,000 spend in the first 3 months upon card approval.
- Plus earn an additional 9,600 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally.
- Accelerated upgrade to KrisFlyer Elite Gold membership tier, just spend above S$15,000 on eligible purchases made on singaporeair.com within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold Membership tier.
- One complimentary night each year at one of over 110 participating Hilton Hotels and Resorts properties across Asia Pacific.
Con’s of American Express Ascend Card:
- High annual fee, with no fee waiver in the first year. However, the card benefits can outweigh the annual cost, if you make the most of the rewards!
DBS Altitude Credit Card
Rewards
Up to 3 miles per S$1
Annual
s$192.60
Fee Waiver
Yes
EnjoyCompare Rating
https://www.enjoycompare.com/recommends/dbs-altitude-desktop/
- Earn 3 miles per S$1 spent on all online Flight and Hotel transactions.
(capped at S$5,000 per month). - Earn 2 miles per S$1 spent on all overseas spend.
- Earn 1.2 miles per S$1 spend locally.
- Complimentary Priority Pass™ membership with access to over 1,200 airport lounges worldwide.
- What’s more, get up to S$1million travel accident insurance coverage for you and your family members.
Enjoy 38,000 miles by 30 simply spending a minimum of S$6,000 within first 3 months from card approval date!
DBS Altitude Credit Card
If you travel for work or pleasure, a decent travel credit card is the perfect travel companion. The aptly named DBS Altitude card offer Air Miles in return for spends across the card, with the more miles earned depending on the type of transaction. What’s more, the Altitude card comes bundled with a few travel related privileges that add an element of security, protection and exclusivity to the DBS credit card.
Pro’s DBS Altitude Card:
- S$1 = 3 miles on online flight & hotel transactions (capped at S$5,000 per month).
- S$1 = 2 miles on overseas spend (in foreign currency).
- S$1 = 1.2 miles on local spend.
- Miles are awarded in the form of DBS Points (1 DBS Point = 2 miles); frequent flyer programmes include KrisFlyer and AsiaMiles.
- Air Miles never expire!
- 10,000 Bonus Miles – Charge a minimum of S$25,000 to your DBS Altitude Card each year to receive an annual fee waiver for the following year. Otherwise, get 10,000 bonus miles when you pay the annual fee of S$192.60 (including GST) to renew your membership.
Con’s DBS Altitude Card:
- Each conversion of DBS Points to miles by Cardmember to the designated airline’s programme will be subjected to an administrative fee of S$25 (exclusive of GST) which will be charged to the Card.