7 Best Credit Cards in Singapore [2026]

Card payments dominate everyday spending in Singapore, and credit cards remain the go-to choice for most people thanks to their convenience and rewards. With card usage projected to rise by 14.3% in 2024, finding one that truly fits your lifestyle can make a real difference in how you earn and save.

But with so many options out there, it’s easy to feel unsure where to start.

In this guide, we explore some of the top credit cards in Singapore for 2026 and what makes each one worth considering, whether you’re focused on cashback, air miles, or flexible rewards that fit your daily spend.

The DBS Woman’s World Mastercard® Card is built to maximise rewards on online spending. It offers accelerated DBS Points on a wide range of digital purchases, which you can convert into airline miles, with a clear earn structure for overseas and local transactions.

Online shoppers will find it especially useful, as the card provides a fast route to miles along with flexible redemption choices. With complimentary ecommerce protection and instalment options included, it suits anyone who wants strong digital rewards paired with added security.

Despite its name, the card is available to both women and men.

• 10X DBS Points on eligible online purchases, equal to 4 miles per SGD 1
• 3X DBS Points on overseas purchases, equal to 1.2 miles per SGD 1
• 1X DBS Point on all other purchases, equal to 0.4 miles per SGD 1
• Complimentary ecommerce protection for online shopping, covering incomplete deliveries, incorrect items, damaged goods, or items not received within 30 days.
• Pay in instalments of up to 24 months at 0% interest
• Redeem DBS Points for miles, shopping and dining vouchers, cash credits, and more
• Enjoy hundreds of Mastercard® privileges exclusively available with the DBS Woman’s World Card

DBS outlines simple eligibility requirements that applicants should review first:

• Be 21 to 75 years old.
• Earn at least SGD 80,000 annually (for Singaporeans, PRs, and foreigners).

POSB Everyday Card sits under the DBS family and focuses on one thing: steady cash rebates on everyday spending. Dining, transport via SimplyGo, Malaysian Ringgit in-store purchases, and major online shopping platforms all earn Daily$ that never expire, so your savings build over time.

If most of your monthly spend goes to groceries, transport, family meals or cross-border shopping, this card fits naturally. It rewards the habits you already have without complicated tiers or conditions, making it a practical choice for consistent, easy-to-track savings.

• Get up to 10% cash rebates in Dining (online food delivery), SimplyGo rides, and in-store spend in Malaysian Ringgit, when you meet the monthly spend of SGD 800.
• Enjoy 5% rebates on online shopping at selected channels (Amazon.sg, Lazada, Shopee, Redmart, TikTok Shop) once the spending target is met.
• Enjoy a wide range of cardholder deals across dining, travel, groceries, fuel, and Malaysian partners.
• Cash rebates are earned in the form of Daily$, which can be used to offset future purchases and do not expire.

Before you apply, make sure you meet POSB’s basic age and income requirements for this card:

• Be 21 to 75 years old.
• For Singapore Citizens or PRs aged 55 and below, a minimum annual income of SGD 30,000 is required.
• For Singapore Citizens or PRs aged 56 and above, a minimum annual income of SGD 15,000 is required.
• For foreigners, a minimum annual income of SGD 45,000 is required.

UOB One Card is UOB’s flagship cashback card built to reward consistent monthly spending with quarterly rebates. You can earn up to 3.33% base cashback by meeting tiered spend targets, plus higher rates at selected partners.

Its latest refresh extends cashback to all grocery spend and updates partner coverage across popular merchants. Whether you’re commuting with SimplyGo, dining at McDonald’s, booking Grab rides, shopping on Shopee, or refuelling at Shell or SPC, it’s designed to help you save more on everyday expenses.

• Up to 10% cashback on daily spend across selected categories.
• Up to 8% cashback on grocery spend, locally and overseas.
• 4.33% cashback on SP Group utilities.
• Up to 22.66% fuel savings at Shell and SPC.
• Pairing with a UOB One Account can earn up to 4.5% p.a. deposit interest when meeting account criteria.

Cashback is credited quarterly. To earn the base quarterly cashback, you must charge at least SGD 600 per month with a minimum of 10 transactions each month in the qualifying quarter. For the highest cashback rates, your monthly spending should be at least SGD 2,000 for three consecutive months.

To apply for a UOB One Card, make sure you meet these criteria:

• Be at least 21 years old.
• For Singapore Citizens or PRs, have a minimum annual income of SGD 30,000.
• For foreigners, a minimum annual income of SGD 40,000 is required.
• If the income criteria are not met, you can apply using a fixed deposit collateral of SGD 10,000.

The Citi PremierMiles Card is a travel rewards card designed for accruing miles with flexibility and ease. It earns Citi Miles on all spending, with accelerated rates on overseas and online transactions, and features the significant benefit of miles that do not expire.

Through Citi ThankYou Rewards, you can redeem or transfer miles to a wide network of airline and hotel partners. With Priority Pass lounge access and travel privileges included, it’s a dependable all-rounder for travellers who want steady mile accumulation without worrying about expiry dates.

• Earn 1.2 Citi Miles Points for every SGD 1 on local spend.
• Collect 2.2 Citi Miles Points per SGD 1 on foreign currency spend.
• Up to 10 Citi Miles Points per SGD 1 on selected online travel bookings (e.g., Kaligo, Agoda promos).
• Miles never expire and have no caps on earning.
• Receive 10,000 Citi Miles as a renewal bonus on each card anniversary.
• 2 complimentary lounge visits per year via Priority Pass for the principal cardmember.

Citi sets a few straightforward requirements you’ll need to meet before you can apply:

• Be at least 21 years old.
• For Singapore Citizens and PRs, have a minimum annual income of SGD 30,000.
• For foreigners, a minimum annual income of SGD 42,000 is required.

The Standard Chartered Simply Cash Credit Card keeps things simple with a flat cashback rate on all eligible spending. There are no categories to track or minimum spend to meet, making it easy to earn rewards on every purchase.

It also offers flexible payment options and a fast digital application process. If you prefer consistency and convenience over complex reward systems, this card delivers straightforward value for everyday spending.

• 1.5% cashback on eligible spending with no cap and no minimum spend.
• Pay common bills while earning cashback via SC EasyBill.
• Split big purchases into 0% interest instalments with EasyPay at a low or no processing fee.
• Access cash at 0% interest with a one-time processing fee via Credit Card Funds Transfer.
• Up to 25% off at 3,000+ outlets in Asia through The Good Life® program, including travel, shopping, and entertainment.
• Instant digital credit card issuance when you apply online with MyInfo (for Singaporeans and PRs only).

Make sure you qualify under Standard Chartered’s eligibility guidelines before starting your application:

• Be 21 to 65 years old.
• For Singapore Citizens or PRs, have a minimum annual income of SGD 30,000.
• For foreigners, a minimum annual income of SGD 90,000 is required, and a valid Singapore Employment Pass must be held.

OCBC Frank focuses on rewarding everyday lifestyle spending, with higher cashback on foreign currency purchases, local online transactions, and mobile contactless payments in SGD. It also offers extra cashback at selected transport, EV charging, and eco-retail partners.

By meeting a single monthly spend requirement, you unlock these boosted rates across its key categories. The structure is simple, making it an effective choice for maximising cashback on routine and lifestyle-driven purchases.

• 8% cashback on foreign currency transactions, online or in-store.
• 8% cashback on online transactions in SGD and on mobile contactless payments (Apple Pay, Samsung Pay, Google Pay) in SGD.
• Earn an additional 2% cashback at selected green merchants (e.g. public transport, EV charging, eco-retailers).
• 0.3% cashback on other eligible spend.
• Enjoy up to SGD 100 in cashback each month when you spend at least SGD 800 monthly.

Before you apply, confirm that you meet OCBC’s age and income requirements for this card:

• Be at least 21 years old.
• For Singapore Citizens or PRs aged 21 to 54, a minimum annual income of SGD 30,000 is required.
• For Singapore Citizens or PRs aged 55 and above, a minimum annual income of SGD 15,000 is required.
• For foreigners aged 21 and above, a minimum annual income of SGD 45,000 is required.

This HSBC Revolution Credit Card focuses on rewarding digital spending, offering accelerated points on online shopping, dining, ride-hailing and contactless payments. And because it comes with no annual fee, the value stays strong even if your spending fluctuates.

It works well for people whose spending already leans toward ecommerce, mobile wallets or everyday lifestyle purchases. You earn steady rewards on habits you already have, without needing to track complicated tiers or hit high spending thresholds.

• Earn up to 10x Reward Points (equivalent to ~4 miles per SGD 1) on eligible online and contactless spending in dining, shopping, ride-hailing and travel.
• Earn 1x Reward Points for every SGD 1 on all other spend, with no annual fee ever.
• Reward points are redeemable for miles, cashback or vouchers, and transfers to airline/hotel partners.
• Flexible payment options via the HSBC app: you can split purchases into instalments or offset spend using Reward Points.

To qualify for the HSBC Revolution Credit Card, you must meet the following requirements:

• Be at least 21 years old.
• For Singapore Citizens and PRs, have a minimum annual income of SGD 65,000.
• For foreigners, have a minimum annual income of SGD 65,000 and hold a valid Singapore Employment Pass.

If you’re still weighing options, there are a few other cards that are popular in Singapore. We’ll introduce them briefly below and highlight what they do well, so you can spot a good match at a glance.

• DBS Altitude Signature Card: Earn up to 2.2 miles per SGD 1 overseas and 1.3 miles locally, with travel privileges and flexible redemption options. A solid fit if you value miles' versatility.
• HSBC Live+ Credit Card: Lifestyle spend feels rewarding with up to 8% cashback across dining, shopping and entertainment, plus curated partner perks. Nice if most of your week-to-week spend lives in those categories. 
• CIMB World Mastercardᵀᴹ: A straightforward, unlimited-cashback credit card that gives up to 2% on everyday lifestyle categories like dining, online food delivery, digital entertainment and ride-hailing. Easy to remember, easy to use.
• American Express Singapore Airlines KrisFlyer Card: Earn KrisFlyer miles directly into your KrisFlyer account and tap into SIA ecosystem benefits, with Amex travel extras layered in.
• Maybank Family & Friends Card: Pick five preferred categories and enjoy 8% cashback on local and overseas spend, with a simple 0.3% on the rest. Great if your spending is focused and predictable. 
• UOB Lady's Card: Define your own rewards by choosing the category and earn up to 25X UNI$ per SGD 5. Ecommerce protection and LuxePay instalments add nice quality-of-life touches.
• Citi Cash Back Plus Card: A popular choice for those looking for a Citi rewards card, you can earn unlimited 1.6% cashback on all eligible spending with no minimum spend required, plus extra benefits for Citi Plus card members.

Not all credit cards are built for the same kind of spender. Before you decide, take a moment to understand what shapes the right fit. The points below walk you through how to find one that fits your spending, lifestyle, and goals.

Start by getting a clear view of where your money actually goes. Review your recent statements and group them into simple spending categories like groceries, dining, transport, or entertainment. Seeing these patterns on paper makes it easier to understand how you use your card day to day.

Once you know where most of your money goes, look for a credit card that rewards those habits and helps you get more value from the money you already spend.

Do you want money off your bill, flight redemptions, or the freedom to switch later? Think about how you want your rewards to build over time.

• Cashback gives a fixed credit on your statement and works well when you want simple, immediate value.
• Air miles earn toward flights and upgrades with partner airlines, like complimentary travel insurance and airport lounge access, and suit you if travel rewards feel motivating.
• Points keep your options open, letting you convert to miles or redeem for vouchers and gifts when plans change.

Headlines make cards look attractive, but the T&Cs determine what you actually earn. Don’t be swayed by the sign-up bonus and read how the earn rate really works.

Look out for:

• Minimum Spend Requirement: Most cards require a set monthly spend to unlock higher rewards. If you fall short, your rate drops to a much lower base rate. Some cards also use quarterly targets or require consecutive months of spending.
• Reward Caps: Even high cashback credit cards have limits. A card might offer 10% cashback but cap it at SGD 100. You’ll still need to meet the minimum spend to qualify.
• Expiration of Rewards: Points, cashback, or miles may expire if not redeemed in time. Always check validity periods so you don’t lose unused rewards.

Start with the annual fee and how you can avoid it. Many cards can do a fee waiver for the first year, and some extend the waiver if you meet a yearly spending target. Compare what you actually pay with the rewards you expect to earn so you’re looking at real value, not just the headline.

If you spend overseas or on foreign sites, factor in the extra costs. Foreign transaction fees average around 3.25% of the converted amount, plus another 1% when a merchant converts prices into SGD or when an SGD payment is processed abroad.

Finally, keep an eye on the minimum payment. It keeps your account in good standing, but interest applies to the remaining balance. Aim to pay the full statement each month, or set up automatic payment, so interest doesn’t accumulate.

There are three things you should check before you apply: the purchase interest rate, the l ength of the interest-free period, and the cash advance rate.

In Singapore, purchase interest rates range from about 27% to 29% a year, with most cards offering 22 to 25 days interest-free if you pay your full balance on time. Cash advances start accruing interest immediately and also carry a separate fee.

To avoid interest, set up automatic full payments and avoid cash advances unless necessary. For instalment plans, check if there’s a one-time fee and whether those purchases still earn rewards. Missing a payment may trigger higher rates, so use reminders and review your statement regularly.

In general, credit card eligibility criteria include age, residency, and minimum income requirements. Most entry-level cards in Singapore require applicants to be at least 21 and earn around SGD 30,000 annually for citizens and PRs, with higher thresholds for foreigners. Even if you don’t meet the income requirement, some banks allow applications backed by fixed deposit collateral.

It's important to verify that you meet these criteria before applying to prevent unnecessary checks into your credit history, which could negatively affect your credit score.

Credit cards can do more than just help you pay your bills. They can reward how you already spend. Whether you want cashback, air miles, or flexible reward points, the key is to match the card to your habits and goals.

From the seven main cards we have covered to other popular options in Singapore, every card has its strengths. Take the time to review the fees, interest rates, and eligibility criteria, and make sure the rewards you earn are worth the cost. Once you have your card, keep an eye on updates to terms or promotions so you can continue getting the most out of it.