Can I shop online without a credit or debit card?

Yes, you can. Most online shopping platforms offer bank transfer options to make payment.

Can I get cashback with a virtual credit card?

Yes, you can. Nowadays, physical credit cards have become optional with the advent of online shopping. Simply input your credit card details at the checkout page, and voila! Your online shopping transaction should successfully go through.

How to apply for a credit card in Singapore?

To apply for a credit card in Singapore, start by visiting MoneySmart to compare credit cards based on your preferences. Once decided, click “Apply Now” on your desired credit card and complete the application either via SingPass or by manually submitting personal details and supporting documents (e.g. NRIC/passport, computerised payslip, tax notice of assessment, etc.). After the bank reviews and approves your application, your virtual credit card can be activated almost immediately, with the physical card arriving shortly.

How does UOB One Card's cash rebate work?

The UOB One Card offers quarterly cash rebate. To earn the maximum 10% cash rebate, cardholders must spend a minimum of S$500, S$1,000, or S$2,000 across at least 5 eligible transactions per month per quarter (3 consecutive months). Subsequently, the rebate is issued out as S$50, S$100, or S$200 cash rebate per quarter respectively.

Which miles credit card is the best for online shopping?

Here are our top recommendations for online shopping credit cards: Citi Rewards Card UOB Lady’s Card UOB Lady’s Solitaire Card DBS Woman’s Card DBS Woman’s World Card OCBC Rewards Card UOB Preferred Platinum Visa Card UOB KrisFlyer Card HSBC Revolution Card Maybank Horizon Visa Signature Card

Which credit card is best for online shopping on overseas websites?

The UOB Preferred Platinum Visa, UOB Visa Signature, UOB KrisFlyer Card, Citi Rewards, UOB Lady’s, UOB Lady’s Solitaire, and DBS Woman’s World Cards are ideal for online shopping on overseas websites. But do make sure to research what miles cards best meet your spending habits and preferences.

Best Credit Cards for Online Shopping in Singapore (2025)

The digital age has transformed how we shop, with online shopping being more popular now than ever. Whether you’re after cashback, air miles, or exclusive rewards tailored to online purchases, choosing the right online shopping credit card can make a big difference. Here’s how to find the best credit card to maximise your savings, benefits, and enhance your online shopping journey.

Best Online Shopping Credit Cards in Singapore (2025)

With so many credit cards on the market, discerning the best for online shopping can be tricky. Fret not, here are our top online shopping credit card recommendations to get the ball rolling for you.

Unlimited 1.6% cashback
Citi Cash Back+ Card
10% cash rebate
UOB One Card
Unlimited 1.5% cashback
Standard Chartered Simply Cash Credit Card
Up to 8% cashback
HSBC Live+ Card
10X Rewards / 4 mpd
Citi Rewards Card

Which are the Best Credit Cards for Online Purchases in Singapore?

CREDIT CARDS 💳	ONLINE SHOPPING BENEFITS 🛍️	MINIMUM SPEND 💵	ANNUAL FEE 💸
CREDIT CARDS 💳Citi Cash Back+ Card	ONLINE SHOPPING BENEFITS 🛍️1.6% unlimited cashback on almost all spend, with no min. spend or cashback cap	MINIMUM SPEND 💵N/A	ANNUAL FEE 💸S$196.20 (First year waived)
CREDIT CARDS 💳UOB One Card	ONLINE SHOPPING BENEFITS 🛍️Up to 10% cash rebate on eligible merchants online	MINIMUM SPEND 💵S$500, S$1,000, or S$2,000 per month per 3 consecutive months	ANNUAL FEE 💸S$196.20 (First year waived)
CREDIT CARDS 💳SCB Simply Cash Credit Card	ONLINE SHOPPING BENEFITS 🛍️1.5% unlimited cashback on almost all spend, with no min. spend or cashback cap	MINIMUM SPEND 💵N/A	ANNUAL FEE 💸S$196.20 (First year waived)
CREDIT CARDS 💳HSBC Live+ Card	ONLINE SHOPPING BENEFITS 🛍️Up to 8% cashback on shopping	MINIMUM SPEND 💵S$800 per month	ANNUAL FEE 💸S$196.20 (First year waived)
CREDIT CARDS 💳Citi Rewards Card	ONLINE SHOPPING BENEFITS 🛍️10X Citi ThankYou Points / 4 miles per S$1 spend on eligible online transactions	MINIMUM SPEND 💵N/A	ANNUAL FEE 💸S$196.20 (First year waived)

Social Media & Finfluence

A new MoneySmart study finds that over half of Singaporean adults now turn to social media for financial advice. Find out how it’s steering decisions on investing, saving, and spending in today’s digital age.

Want More Shopping Options?

Check out our other best credit cards for online shopping here!

Explore Cards

🪙 Cash Rebates, Air Miles, & Rewards

Is there really anyone who dislikes cashback, air miles, or rewards points? Simultaneously earning these perks while online shopping essentially lets you to “save while you spend”. With the right online shopping credit card, you can rack up rewards on every transaction and make the most of every dollar spent.

🛍️ Exclusive Shopping Discounts & Promotions

Banks often partner up with merchants to offer exclusive credit card discounts on select products and services. Depending on your credit card’s bank, you’ll enjoy online shopping perks and discounts across various categories. Whether it’s a specific merchant or an e-commerce platform, choosing the right online shopping credit card scores you great deals and elevates your shopping experience overall.

✔ Convenience & Tracking

With monthly credit card statements, you can easily track your expenses and monitor your spending habits diligently. In turn, this can help you create a more informed budget.

🌎 Global Acceptance

Credit cards are widely accepted on international shopping websites, making cross-border purchases easier to perform. However, be mindful that some sites might have restrictions based on your card provider (Visa, Mastercard, or AMEX).

🔐 Fraud Protection

Credit cards typically offer better fraud protection than debit cards. They offer true zero-liability protection against unauthorised transactions, making them the safer choice for online shopping.

🎁 Category Bonuses

Choosing the right credit card for online shopping starts with understanding your shopping habits and preferences. Do you primarily buy clothes, beauty products, electronic gadgets, home appliances, or others? If so, pick a card that offers bonus cashback, miles, or rewards points on your preferred shopping category.

For a more varied or broader shopping mix, opt for a generic credit card that earns bonus rebates or rewards on online transactions as a whole.

🌍 Cashback vs Air Miles vs Rewards Points

Credit card rebates generally come in 3 types: cashback, air miles, and rewards points. Evaluate which benefit suits your spending habits best.

For earning back cash while you spend, go for a cashback credit card. Or if you like the idea of online purchasing earning miles towards your next flight, opt for a miles credit card. Lastly, if future rewards or perks appeal to you, then a rewards credit card is your best bet.

💵 Minimum Spend Requirement

Cashback credit cards often have a minimum monthly spend requirement in order to qualify for bonus cashback, miles, or rewards points. Spending thresholds vary across cards, ranging between S$500 to S$2,000. To find the card that best caters to you, assess your average monthly spending to determine which credit card’s spend requirement you can realistically attain.

In contrast, miles and rewards credit cards typically don’t have a minimum spend requirement to qualify for bonus rebate rates.

🏦 Annual Fees & Waivers

Most credit cards in Singapore, including online shopping credit cards, have an annual fee of S$196.20 (including GST). Additionally, many also offer a complimentary first-year annual fee waiver – either automatically or in exchange for forfeiting a sign-up gift or reward.

🏧 Low Foreign Transaction Fees

Credit cards typically offer low foreign transaction fees ranging between 3.25% to 3.5%. This fee comprises charges from both the issuing bank (2.25% to 2.5%) and the card association like Visa or Mastercard (1%).

But what happens if you’re online shopping on an overseas website and are being prompted to pay in your local currency (e.g. SGD) instead of the merchant’s currency? You may be charged Dynamic Currency Conversion (DCC) fees.

DCC fees can include a markup of 3% to 8% on top of the transaction amount, making it costlier than standard foreign transaction fees. To avoid unnecessary extra costs, opt for the merchant’s currency and let your card issuer handle the conversion instead.

Take Advantage of Sign-Up Bonuses

Many credit cards offer welcome bonuses in the form of cashback, miles, or rewards points if you hit a certain eligible spend within the first few months of card approval date. If your online shopping meets the eligibility criteria, leverage your purchases to meet this spend amount.

Shop at Eligible Merchants

To maximise your cashback, miles, or rewards points on online shopping, make purchases with eligible merchants within your card’s bonus categories. Merchant eligibility is determined by its merchant category code (MCC).

Additionally, some credit cards have narrower bonus categories, while others offer broader options.

For example, the UOB One Card provides up to 10% cashback on Shopee and DFI Retail Group merchants like Guardian, 7-Eleven, and Cold Storage when the minimum spend is met. Meanwhile, the Citi Rewards Card is more general, offering 10X Citi ThankYou Points (4 mpd) on eligible online transactions.

Shop Through Online Shopping Portals

Buying through a shopping portal, whether your card’s bank or a third-party site, enables you to stack rebates and rewards. By pairing your credit card with the portal and following its instructions, you stand to earn the platform’s rewards on top of your card’s rebate. For instance, ShopBack partners with many online retailers, offering as high as 35% cashback on sites like Shopee*.

*Cash rebate rate is accurate as 19 Nov 2024.

Seasonal Promos & Flash Sales

Don’t be shy; take advantage of seasonal promotions and flash sales. Banks often partner with online retailers during major shopping events (like 11.11 or Black Friday) to reward extra cashback, bonus miles, or points on online purchases.

Frequently Asked Questions

Can I shop online without a credit or debit card?: Yes, you can. Most online shopping platforms offer bank transfer options to make payment.
Can I get cashback with a virtual credit card?: Yes, you can. Nowadays, physical credit cards have become optional with the advent of online shopping. Simply input your credit card details at the checkout page, and voila! Your online shopping transaction should successfully go through.
How to apply for a credit card in Singapore?: To apply for a credit card in Singapore, start by visiting MoneySmart to compare credit cards based on your preferences. Once decided, click “Apply Now” on your desired credit card and complete the application either via SingPass or by manually submitting personal details and supporting documents (e.g. NRIC/passport, computerised payslip, tax notice of assessment, etc.).

After the bank reviews and approves your application, your virtual credit card can be activated almost immediately, with the physical card arriving shortly.
How does UOB One Card's cash rebate work?: The UOB One Card offers quarterly cash rebate. To earn the maximum 10% cash rebate, cardholders must spend a minimum of S$500, S$1,000, or S$2,000 across at least 5 eligible transactions per month per quarter (3 consecutive months). Subsequently, the rebate is issued out as S$50, S$100, or S$200 cash rebate per quarter respectively.
Which miles credit card is the best for online shopping?: Here are our top recommendations for online shopping credit cards:

Citi Rewards Card

UOB Lady’s Card

UOB Lady’s Solitaire Card

DBS Woman’s Card

DBS Woman’s World Card

OCBC Rewards Card

UOB Preferred Platinum Visa Card

UOB KrisFlyer Card

HSBC Revolution Card

Maybank Horizon Visa Signature Card
Which credit card is best for online shopping on overseas websites?: The UOB Preferred Platinum Visa, UOB Visa Signature, UOB KrisFlyer Card, Citi Rewards, UOB Lady’s, UOB Lady’s Solitaire, and DBS Woman’s World Cards are ideal for online shopping on overseas websites. But do make sure to research what miles cards best meet your spending habits and preferences.