There is no single best credit card in Singapore, because each card leads on a different measure. For flat cashback with no conditions, the highest rate we found is 1.7%. For miles on everyday local spending it is 1.4 miles per dollar. Category cards pay 5% to 10%, or 4 miles per dollar, but only up to a monthly cap and usually only after a minimum spend.
This page shows which card leads on each measure as at November 2026, and links to the detailed comparison for each. We are not paid by any bank and there are no application links here.
How We Compared the Cards
We looked at consumer cards from the seven issuers this site covers: DBS, UOB, OCBC, Citibank, HSBC, Standard Chartered and CIMB. A card was included only if its earn rate, cap, minimum spend, annual fee and minimum income could be read on the bank’s own page or terms document.
Sign-up gifts and time-limited boosts are ignored. They change often and say little about what a card pays in year two. Cards closed to new applicants are left out.
“Leads” below means leads on the one measure stated, among the cards we checked. It is not a recommendation for your situation.
The short version: Pick the measure first, then the card. A flat 1.6% to 1.7% card is the simple baseline. A category card beats it only if your spending fits the category, clears the minimum spend and stays under the cap.
The Best Credit Card in Singapore on Eight Measures
| What you want | Card that leads on that measure | The figure | The catch |
|---|---|---|---|
| Flat cashback, no conditions | UOB Absolute Cashback | 1.7%, no cap | American Express; 0.3% on utilities, education, healthcare and some others |
| Miles on local spending | UOB PRVI Miles | 1.4 miles per $1 | S$261.60 annual fee after year one |
| Points on shopping | Citi Rewards, HSBC Revolution | 10 points per $1 (4 miles; 3.33 KrisFlyer miles on HSBC) | Bonus stops after about $1,000 a month |
| No annual fee | CIMB Visa Signature, HSBC Revolution, UOB EVOL | $0 a year | Each has category rules or caps |
| Groceries | OCBC 365 | 6% | $800 monthly minimum; $160 monthly cap |
| Dining | OCBC 365 (6%), HSBC Live+ (5%) | 5% to 6% | Minimum spend applies to both |
| Overseas spending | UOB PRVI Miles; UOB EVOL | 2.4 miles per $1; 0% foreign currency fee | PRVI Miles still charges a 3.25% fee |
| Petrol | OCBC 365 | 6% | Fleet card top-ups excluded |
For the full workings, see our comparisons of cashback credit cards, air miles credit cards, rewards points credit cards and travel credit cards.
Master Comparison Table
All figures are from the banks’ pages as at November 2026. Annual fees include GST. Income is for Singaporeans and PRs aged 55 and below.
| Card | Issuer | Headline rate | Cap | Minimum spend | Annual fee | Minimum income |
|---|---|---|---|---|---|---|
| Absolute Cashback | UOB | 1.7% cashback | None | None | $196.20, first year waived | $30,000 |
| Cash Back+ | Citibank | 1.6% cashback | None | None | $196.20, first year waived | $30,000 |
| 365 | OCBC | 6% on dining, groceries, land transport, petrol | $160 a month | $800 a month | $196.20, two years waived | $30,000 |
| Live+ | HSBC | 5% on dining, shopping, entertainment | $250 a quarter | $600 a month | $196.20, first year waived | $65,000* |
| Visa Signature | CIMB | 10% on online shopping, groceries and others | $20 per category, $100 a month | $800 a month | None | $30,000 |
| EVOL | UOB | 10% on local online and mobile contactless | $30 a month on that category; $80 a month in all | $800 a month | None | $30,000 |
| PRVI Miles | UOB | 1.4 miles local, 2.4 overseas | None | None | $261.60, first year waived | $30,000 |
| PremierMiles | Citibank | 1.2 miles local, 2.2 foreign currency | None | None | $196.20, first year waived | $30,000 |
| Altitude | DBS | 1.3 miles local, 2.2 overseas | None | None | $196.20, first year waived | $30,000 |
| Rewards | Citibank | 10 points per $1 (4 miles) on online and fashion spend | 9,000 bonus points a month | None | $196.20, first year waived | $30,000 |
| Revolution | HSBC | 10 points per $1 (4 miles, or 3.33 KrisFlyer miles) on listed online and contactless spend | 9,000 bonus points a month | None | None | $65,000* |
| Lady’s Card | UOB | 4 miles per $1 in one chosen category | $1,000 of spend a month | None | $196.20, first year waived | $30,000 |
*HSBC lists $30,000 for salaried existing customers who hold at least $50,000 with the bank.
A Worked Example at $2,000 a Month
Illustration only. An illustrative household charges $2,000 a month ($24,000 a year), all in Singapore dollars. Half of it is dining, groceries, transport and petrol.
- Flat 1.7% card: $24,000 × 1.7% = $408 a year. If the $196.20 fee is charged in later years and not waived, $211.80.
- OCBC 365: 6% × $1,000 = $60 a month, under the $160 cap. That is $720 a year, before any base cashback on the rest. OCBC waives the fee automatically at $10,000 of yearly spend.
- UOB PRVI Miles: $24,000 × 1.4 = 33,600 miles. If you value a mile at 1.5 cents (an assumption), that is $504, less a $27 conversion fee: $477. Paying the $261.60 fee leaves $215.40.
The category card wins here only because half the spending fits its four categories. Spending outside those categories does not earn the 6%, and in a month below the $800 minimum everything earns 0.25%. Test your own figures in the cashback vs miles calculator.
How to Choose, and When Not To
Start with cashback or miles. If you are not sure you will redeem flights, cashback is the safer default.
Then check three things on the bank’s page: the minimum spend, the cap, and what is excluded. Insurance premiums, utilities, education fees and e-wallet top-ups are commonly excluded or paid at a lower rate.
A rewards card does not suit anyone who sometimes pays less than the full bill. The banks we checked charge 27.8% to 27.9% a year on unpaid balances, and MoneySense explains how that interest is applied. If you carry a balance, the debt payoff calculator is more useful than any card on this page.
Every Credit Card Page on Dollar Interest
By bank: DBS and POSB, UOB, OCBC, Citibank, HSBC, Standard Chartered and CIMB.
Card reviews: Citi PremierMiles, Citi Rewards, UOB Lady’s Card, DBS Altitude, HSBC Live+, HSBC Revolution, and DBS Woman’s World vs UOB Lady’s Card.
By spending: groceries, dining, overseas spending, petrol, big purchases and utilities and bills.
Everything in one table: all credit cards. For paying abroad, see overseas card fees and multi-currency options.
What To Do Next
- Add up three months of card spending by category. That shows which measure matters for you.
- Open the bank’s own page for any card you are considering and confirm the rate, cap, minimum spend and fee. Banks also run sign-up promotions that change often; treat those as a one-off, not a reason to hold a card.
- Check the income requirement on the bank’s page before applying.
- Set up full payment by GIRO so a missed bill never costs more than the rewards earned.
- To add a family member to your account, see how supplementary credit cards work: who pays, minimum ages and fees.
