MCO Visa Card

why get it:

Between 1-5% rebates on general spend. No annual fees and no caps. Use it to pay for anything, including topping up other wallets and insurance premiums which might be banned on other cards.

Sign up perks:

Receive US$50 if you upgrade to a Ruby card (details in the review here). Use referral code h6xukdg2ch to unlock it.

Best for:

General spend across many categories especially those not allowed in traditional credit cards.

OCBC Frank Card

why get it:

Get 6% cashback on online, in-store mobile contactless payments and in-store foreign currency spending with a monthly spend of $600

Sign up perks:

Receive $50 cashback if you’re a new OCBC cardholder, limited to the first 3000 customers.

Get an additional additional 4% cashback bonus from 1 Jul – 30 Sep 2020, capped at $25. Limited to first 3000 New FRANK Credit card members.

Promotion Period: Till end September 2020.

Best for:

Young adults who can easily meet the $600 monthly spend. Very accessible card with easy to meet requirements.

UOB Preferred Platinum Visa Card

why get it:

4 miles per dollar on online and mobile payments in $5 spending blocks. One of the highest-earning miles cards suitable for everyone because there’s no heavy spending requirements. Capped at $1100 monthly spend.

Sign up perks:

None.

Best for:

Miles-chasers with majority spend on online and mobile channels.

DBS Woman’s World Mastercard

why get it:

4 miles per dollar card for online spending with fewer exceptions than the UOB PPV.

Sign up perks:

Receive $200 cashback by charging 1 qualifying transaction within 30 days from card approval date (no minimum spend required) with promo code DBSFLASH.

Promotion Period: 23 July to 6 August 2020.

Best for:

An alternative to the UOB PPV Card. It’s debatable which is the better card because of the finer nuances on miles redemption process, expiry and other factors which are not covered here.

Cards with Promos

UOB One Visa Card

why get it:

Generous rebates (up to 10%) paid quarterly. Read my UOB One review here (and updated strategy here).

Sign up perks:

$20 cash via PayNow (new to bank) or $20 cash via PayNow (existing customers)

Best for:

Cashback fans who have low spending (<$500) or high spending (>$2000) monthly.

OCBC 365 Card

why get it:

Get 6% rebate on dining, 3% on groceries, transport, recurring bills and online travel. $800 monthly spend required.

Sign up perks:

New cardholder can receive up to $100 GrabFood vouchers. Existing card holders will receive $50 GrabFood vouchers with a minimum spend of $300.

Promotion Period: Till 31 August 2020.

Best for:

Those who spend $800 monthly and want to get a nice rebate on top of their spending and meet the requirements of OCBC 365 accounts.

OCBC Titanium Rewards Blue Card

why get it:

Get 4 miles per dollar from June 2020 for eligible online and retail purchases, including popular e-commerce sites such as Shopee, Lazada, Amazon, Ezbuy, Qoo10, and Taobao.

Sign up perks:

Receive up to $100 GrabFood vouchers via SingSaver for new OCBC card holders or $50 GrabFood vouchers for existing OCBC card holders with minimum $300 spend

Promotion Period: Till 31 August 2020.

Best for:

Those who spend $800 monthly and want to get a nice rebate on top of their spending and meet the requirements of OCBC 365 accounts.

Standard Chartered Unlimited Cashback Card

why get it:

1.5% cashback for all eligible spends. No min. spend and no cashback cap.

Sign up perks:

Receive $160 Cash via PayNow

Best for:

Similar to Citibank’s Cashback+ card, this card is a great core card in your wallet for purchases that don’t qualify for miles (e.g. small purchases).

Standard Chartered Rewards+ Credit Card

why get it:

Earn rewards for dining and travel related purchases, approximately 1.45 miles per dollar on dining. No annual fees for first 2 years means you can sign up and use as a secondary card to your main cashback/miles/rewards card.

SIGN UP PERKS:

Receive $160 Cash via PayNow

Best for:

Best if complemented with other reward cards that don’t include Dining (e.g. Citi Rewards Card). Optimized with dining spends below $333 per month, which maxes out the dining rewards for this card.

Citibank Citi Cash Back+ Mastercard®

why get it:

  • 1.6% unlimited cashback with no caps
  • First year fee waiver (S$192 per year)

Sign up perks:

Receive 1x Dyson Pure Cool Me worth $499 / $300 Cash via PayNow. Get $30 cash via PayNow for existing Citibank cardholders.

Best for:

Cashback lovers, if you love cashback, and if you like a gorgeous app to pay bills with, then you’d like this card.

Citibank Cashback Card

Citibank Cash Back Card Review (2020) | SingSaver

why get it:

  • 8% cash back on Dining at restaurants and cafes
  • 8% cashback on Groceries at supermarkets and grocery stores
  • 8% cashback on Esso and Shell petrol stations
  • Minimum spend of $888 per month required
  • Cashback comprises of base cashback (0.25%, no cap) and 7.75% cashback on bonus categories above (S$25 per month per category cap)

Sign up perks:

Receive 1x Dyson Pure Cool Me worth $499 / $300 Cash via PayNow. Get $30 cash via PayNow for existing Citibank cardholders.

Best for:

If you are able to spend $888 a month across those 3 categories (food, dining and petrol).

Citi Rewards Card

why get it:

  • 10X Rewards (4 miles per dollar) on online and retail purchases for every $1 spent (excluding travel)
  • Points expire in 5 years and there is a cap of 10,000 points per statement month

SIGN UP PERKS:

Receive 1x Dyson Pure Cool Me worth $499 / $300 Cash via PayNow. Get $30 cash via PayNow for existing Citibank cardholders.

Best for:

Good card to earn miles – 4 mpd is one of the highest miles earn rates for online and retail shopping. If you prefer miles over cashback then this is the card for you.. 4 miles per dollar can be a good complementary addition to your Citi Cashback+ card.

Citi Premier Miles Card

Citi PremierMiles Card

why get it:

  • Earn 1.2 miles per S$1 local spend
  • Earn 2 miles per S$1 for overseas spend
  • Earn 10,000 annual renewal bonus miles
  • 2 free airport lounge visits per year

SIGN UP PERKS:

Receive 1x Dyson Pure Cool Me worth $499 / $300 Cash via PayNow. Get $30 cash via PayNow for existing Citibank cardholders.

Best for:

This is a great miles accumulator card that can help you slowly earn miles over time since the miles earned with this card don’t expire.

Citi Prestige Card

Citi Prestige Card | SingSaver

why get it:

  • 1.3 miles per S$1 for local spend
  • 2 miles per S$1 for overseas spend
  • Unlimited VIP access to airport lounges, free stay extensions at select hotels, 32 complimentary 1-way airport limousine transfers per year
  • Up to 6 complimentary green fee rounds per year at select golf clubs

SIGN UP PERKS:

Receive 1x Dyson Pure Cool Me worth $499 / $300 Cash via PayNow. Get $30 cash via PayNow for existing Citibank cardholders.

Best for:

Travelers who enjoy prestige and privileges such as complimentary hotel stays and airport transfers.

DBS Live Fresh Card

DBS Live Fresh Student Card | Credit Card | DBS Singapore

why get it:

  • 5% cashback on online shopping spend and Visa Paywave
  • Additional 5% cashback (5% + 5% = 10%) when you hit your spend goal
  • 0.3% cashback on all other spends
  • Combine with the DBS Multiplier account for higher interest rates on your deposits

SIGN UP PERKS:

Receive $200 cashback by charging 1 qualifying transaction within 30 days from card approval date (no minimum spend required) with promo code DBSFLASH.

Promotion Period: 23 July to 6 August 2020.

Best for:

Excellent general spend card with generous cashback rewards. You’d need to hit your spend goal to maximize the value of this card.

Promotion Period: 25 June to 10 July 2020.

DBS Altitude Visa Card

DBS Altitude Visa Card: No Annual Fee Miles Card - Credit Card ...

why get it:

  • 3 miles per dollar on online flight & hotel transactions
  • 2 miles per dollar on foreign currency overseas spend
  • 1.2 miles per dollar on local spend
  • 10 miles per dollar on Kaligo
  • 7 miles per dollar on Agoda
  • 6 miles per dollar on Expedia
  • 2 free lounge visits within each 12-month period
  • Miles never expire

SIGN UP PERKS:

Receive $200 cashback by charging 1 qualifying transaction within 30 days from card approval date (no minimum spend required) with promo code DBSFLASH.

Promotion Period: 23 July to 6 August 2020.

POSB Everyday Card

POSB Everyday Card: Is It Worth it? - Credit Card Review ...

why get it:

  • Up to 15% cash rebates on daily essentials such as groceries and online food delivery
  • 0.3% cashback on all other spends
  • Offset purchases with DBS points (i.e. instant rebates) on DBS Lifestyle app
  • Combine with the DBS Multiplier account for higher interest rates on your deposits

SIGN UP PERKS:

Receive $200 cashback by charging 1 qualifying transaction within 30 days from card approval date (no minimum spend required) with promo code DBSFLASH.

Promotion Period: 23 July to 6 August 2020.

Best for:

It’s a good general purpose card, similar to the Live Fresh card, but without the high cashback rates. There is no monthly minimum spend for this card.

Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card: Why It's Worth a ...

why get it:

  • 1.6% unlimited cash rebates for local spend, no caps and no minimum spend
  • 2X TREATS Points with every dollar spent on foreign currency transactions
  • Chance to win a trip for 2 to catch FC Barcelona live every football season

SIGN UP PERKS:

New cardholders will receive $30 cash via PayNow and $100 cashback after spending a minimum of $250 per month for two consecutive months after card approval.

Promotion Period: Till end August 2020.

Maybank Family & Friends Card

Maybank Family & Friends MasterCard Credit Card: Savings in ...

why get it:

  • Up to 8% rebate on fast food & food delivery, groceries, transport, data communications & online TV streaming
  • 5% rebate with S$500 monthly spend and 8% for S$800 monthly spend, capped at S$80/month

SIGN UP PERKS:

New cardholders will receive $30 cash via PayNow and $100 cashback after spending a minimum of $250 per month for two consecutive months after card approval.

Promotion Period: Till end August 2020.

Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card | Best Air Miles Card ...

why get it:

  • 3.2 miles per dollar spend on local dining, petrol and taxi fares (including Grab)
  • 2 miles per dollar spend on air tickets, travel packages and foreign currency transactions
  • 0.4 miles per dollar on other spend

SIGN UP PERKS:

New cardholders will receive $30 cash via PayNow and $100 cashback after spending a minimum of $250 per month for two consecutive months after card approval.

Promotion Period: Till end August 2020.