Do you prefer a credit card when paying instead of cash? If so, you should get your hands on the best credit cards in Singapore for quicker and seamless cashless transactions! Since there are countless banks in Singapore offering credit cards with different perks and benefits, it can be a bit hard to know which credit card matches your lifestyle. Do not worry because the expert is here to provide you with a list of the best credit card deals in Singapore for all types of purchases.

Of course, since we scrutinise boring credit card terms & conditions as a norm, you can be sure our recommendations are not randomly plucked out of thin air. In general, the chosen credit cards are all the best for some reason, as readers like you will find out later on. So, without further ado, here are the finalised picks on the 7 Best Credit Card Deals in Singapore to look out for in the month of June.

1. Citibank Cash Back Card

Notable forHighest all-rounded cashback card 
Payment NetworkMasterCard
Annual FeeS$192.60 (inclusive of GST)
EligibilityFor applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR)
For applicants, at least 21 years old with a minimum income of S$42,000 (Non-Singaporean)

Key Features

  • 8% cash back on Dining, Groceries & Petrol
  • Cash back is capped at S$25/month per category with min. spend of S$888/month
  • Up to 20.88% savings at Esso and Shell, and 8% cash back at other petrol stations
  • For retail spend less than S$888, 0.25% cash back is awarded for all categories of spend, no cap on cash back earned

The Citi Cash Back Card has one of the highest cashback at 8%, though there is a rebate cap of $25 per category. It covers typical spending categories in Singapore, so it’s a good choice if you are looking for an all-in-one card that can apply to most of your spending. Overall, hands down one of the best credit card deals in Singapore to check out this June.

2. Citibank SMRT Card

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Notable forBest cashback card with no minimum spend
Payment NetworkVisa
Annual FeeS$192.60 (inclusive of GST)
EligibilityFor applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR)
For applicants, at least 21 years old with a minimum income of S$42,000 (Non-Singaporean)

Key Features

  • Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
  • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
  • 2 years fee waiver for Principal and two (2) Supplementary cards
  • Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
  • Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers

Its name might make it sound like a glorified EZ-Link card, but it’s actually one of the better cashback credit cards available right now. In fact, its benefits go beyond just MRT-related rebates. It’s one of the best cashback credit cards in Singapore with no minimum spend.

This is a card for basic Singaporeans who are not interested in cultivating a lavish lifestyle to impress their peers, and for young and budget-conscious families it also works as an all-purpose cashback credit card.

The wide range of everyday merchants makes it possibly one of the most practical cash back credit cards out there for cost-conscious Singaporeans looking to cut their expenses further, no matter the age.

3. UOB KrisFlyer Credit Card

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Notable forEarn KrisFlyer miles with day-to-day spending
Payment NetworkMasterCard
Annual FeeS$193.00 (inclusive of GST)
EligibilityFor applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR)
For applicants, at least 21 years old with a minimum income of S$40,000 (Non-Singaporean)

Key Features

  • 3 KrisFlyer Miles earned for every $1 spend on everyday spend categories with S$500 min. annual spend on Singapore Airlines Group
  • $1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases
  • $1 = 1.8 KrisFlyer Miles on Dining, Online Shopping and Travel, and Transport Card Transactions with a min sum of S$500 charged on Singapore Airlines Related Card Transactions in a year

The UOB KrisFlyer Credit Card enables you to earn KrisFlyer miles directly, with bonus miles for day-to-day spending like dining and online shopping. To get the bonus miles, spend at least $500 a year on Singapore Airlines or other relevant companies.

The card itself works similarly to the Amex cards. You simply link it to your KrisFlyer account and the miles you earn will be credited at the end of each calendar month.

That makes the UOB card a great new option for those who like this hassle-free method of earning miles, but find American Express cards too restrictive. The UOB KrisFlyer credit card is a Mastercard, which is more widely accepted in the market. All in all, definitely one of the best credit card deals in Singapore to check out in June.

4. OCBC Titanium Card

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Notable forEarn miles with new home purchases
Payment NetworkMasterCard
Annual FeeS$192.60 (inclusive of GST)
EligibilityFor applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR)
For applicants, at least 21 years old with a minimum income of S$45,000 (Non-Singaporean)

Key Features

  • 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas
  • Cathay Cineplexes offers: S$8.50/ S$11 on movie tickets
  • Up to 16% discount at Caltex and Esso stations
  • Complimentary JetQuay Quayside single trip service and discounted trip service
  • Enjoy exclusive access at USD 27 per visit per person to more than 800 lounges regardless of the airline
  • First 2 years fee waiver for principle & supplementary cardmembers

For the card itself, the OCBC Titanium Rewards Card is a very sleek looking credit card that offers 10X rewards on specific merchant categories (both online and offline) – fashion, electronics, department stores and kidswear. You can get the same 10X rewards on major online retailers like Amazon, Lazada, Taobao and AliExpress as well.

Users may proceed to use this card to pay for renovation/redecorating expenses online – there is no monthly cap, only an annual cap of $12,000.

5. Maybank Family & Friends Card

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Notable forFamily-oriented cash rebates in both Singapore and Malaysia
Payment NetworkMasterCard
Annual FeeS$180.00 (inclusive of GST)
EligibilityFor applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR)
For applicants, at least 21 years old with a minimum income of S$60,000 (Non-Singaporean)

Key Features

  • Up to 8% cash rebate on all restaurant spends in Singapore and Malaysia
  • Up to 8% cash rebate on and data communication & online TV streaming
  • 8% or 5% cash rebate with lowered minimum spend of S$800/S$500 per month respectively. Cash rebate cap at S$80 per month
  • 0.3% cash rebate on all other spendings with no cap on cash rebates
  • 3 years annual fee waived; spend min. S$12,000 per year to get a subsequent waiver
  • Up to 8% cash rebate on petrol and groceries including online grocery stores spend in Singapore and Malaysia
  • Up to 8% cash rebate on selected shopping stores, contactless bus and train rides, taxis and all passenger transportation services such as Grab and GOJEK

The other majorly money-burning life stage for most citizens is “starting a family”; which is an euphemism for “henceforth sacrificing 100% of your time, money, and personal needs to your spouse and children”

To stay sane and save a little bit here and there, it’s a good idea to get a cashback card that helps you save on essentials like groceries, toiletries, petrol and assessment books.

Of the many cashback cards available in Singapore, the Maybank Family & Friends card is the one that ticks all the boxes for young parents.

It gives you either a 5% (minimum spend $500) or 8% (minimum spend $800) rebate on groceries, basic toiletries, food delivery, enrichment and transportation. Overall, definitely worth to check out as it is indeed one of the best credit card deals available in June in Singapore.

6. HSBC Advance Credit Card

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Notable forHassle-free backup cashback card
Payment NetworkVisa
Annual FeeS$193.00 (inclusive of GST)
EligibilityFor applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR)
For applicants, at least 21 years old with a minimum income of S$40,000 (Non-Singaporean)

Key Features

  • Up to 3.5% Cash Back on all purchases
  • No minimum spend required
  • Up to 75% off hotel bookings on Agoda and 10% off hotel books on Expedia
  • 1 year card annual fee waiver / Perpetual card annual fee waiver for HSBC Advance banking customers

The benefits of the HSBC Advance Credit Card (which is open to non-HSBC Advance customers, too, by the way) pale in comparison to most of the credit cards available out there.

That is due to there is no minimum spend cashback card that you can use for those random expenses that don’t fall under any category, especially one-off expenses like annual insurance premiums and minor emergencies.

Non-HSBC Advance customers get 1.5% cashback on all purchases (there are the usual exclusions, e.g. tax payments, brokerages). If you spend at least $2,000 that month, the cashback is bumped up to 2.5%. (HSBC Advance customers get higher cashback.)

7. DBS Live Fresh Card

Notable forBest cashback card for online shopping
Payment NetworkVisa
Annual FeeS$S$192.60 (inclusive of GST)
EligibilityFor applicants, at least 21 years old with a minimum income of S$30,000 (Singaporean/PR)
For applicants, at least 21 years old with a minimum income of S$45,000 (Non-Singaporean)

Key Features

  • Earn 5% cashback on Online & Visa contactless spend with a minimum spend of S$600 per calendar month
  • Earn 0.3% cashback on all other spend
  • All-in-one card: Use the same card for your bus and train rides, and ATM withdrawals
  • Enjoy 1-year annual fee waiver

The DBS Live Fresh Card is a basic cashback credit card, but it’s not one my parents will appreciate. There are absolutely no perks for necessities like grocery shopping, petrol or utilities. Instead, the card privileges are for fashion and dining, and the bonus rebates are for online shopping.

100% targeted at millennials, the DBS Live Fresh Card offers a decent 5% cash rebate for all online shopping, including transactions made via Visa PayWave (Apple Pay, Samsung Pay, Google Pay). Everything else earns 0.3% – almost negligible.

Total cashback is capped at $60, which is quite low. Adding to that, the cap is further split into 3 categories – $20 for online spend, $20 for Visa PayWave and $20 for all other spend.

And with that, we end our list of the best Singapore credit card deals in June worth checking out! Whether you’re an impulsive or wise buyer, there’s a credit card perfect for you!

Do you have a particular credit card in mind that you think should’ve been on our list? Share it with us by saying its name and what makes it great below!

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Written By: Shawn

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