Best Credit Cards for Foreigners / Expats in Singapore (2024)

Note that Amex does not have a huge presence in Singapore and is not as widely accepted as Visa and Mastercard. You won't have a problem paying with it at major retailers, hotels and restaurants, but smaller businesses may not accept Amex.

That said, one of their best credit card offerings here is the Amex Platinum Credit Card. Though it comes with a hefty annual fee of over $300, it is perfectly possible to recoup the fee thanks to the amazing dining deals you can get with it.

Under the Amex "Love Dining" programme, cardholders can get 50% off the food bill at some of the fanciest restaurants in town. It also entitles you to drink deals such as free drinks at cocktail bars. In short, this card will make you feel like a VIP when you wine and dine around Singapore.

Eligibility for foreigners: Minimum annual income of S$80,000

The HSBC Revolution Credit Card gives you 4 miles per S$1 spent on a whole bunch of categories, both online and offline. Online spending includes online shopping, flights and hotels, movies, concert tickets, taxi booking, food delivery, even insurance premiums. And offline, you get points on dining and entertainment.

With no minimum spending requirement and no cap on points earned, there's absolutely no need to micromanage your spending, which is a real bonus.

Eligibility for foreigners: Minimum annual income of S$40,000

For those who love tech and rely on apps to get anything done, the Citibank Rewards Card is the perfect match. It gives you a whopping 4 miles per S$1 spent on online transactions, which covers... well, just about everything in Singapore. The same earn rate extends to offline shopping at fashion and department stores.

However, there are a few glaring omissions in an otherwise perfect card. You won't get the bonus points on travel bookings (even online ones) and on dining out. In addition, the 4 miles per S$1 rate is capped at S$1,000 a month. So, while the Citi Rewards Card makes a great everyday credit card, you'll probably also want to get another card for your travel and dining spending.

Eligibility for foreigners: Minimum annual income of S$42,000

Regardless of gender, if you're a breadwinner or high spender, you'll definitely want to consider this card. It is similar to the Citi Rewards Card in that you get 4 miles per S$1 spent on online transactions, so that's your Grab rides, food delivery, online groceries, ClassPass subscription etc. covered.

This also extends to online travel bookings, which means you can rack up a substantial amount of miles if you use this to book your flights and hotels. The points are capped at S$2,000 a month instead of Citibank's S$1,000.

However, the DBS Woman's World Card does not cover offline dining and entertainment, so if you spend a lot on those, you may want to look into the other cards on this list.

Eligibility for foreigners: Minimum annual income of S$80,000. Employment Pass holders only

But if you love to spontaneously travel to destinations around Asia, this credit card can give you a bit more mileage: 3 miles per S$1 spent on all online flights and hotel bookings. You can go ahead and book on Scoot or Expedia or Airbnb, whichever has the best deal. This is capped at S$5,000 a month.

Eligibility for foreigners: Minimum annual income of S$45,000. Employment Pass holders only

Unlike cards with minimum spend required, the OCBC 90°N MasterCard Get lets you enjoy cash rebates at up to 2.1% from your earned miles (in terms of Travel$) with no minimum spend needed and no caps.

Moreover, the miles earn rate for this card is up to 7 miles (in terms of Travel$), 2.1 miles for every $1 spent on foreign currency spending and 3 miles for every $1 spent on online entertainment. What’s more, there’s no expiry for your Travel$ accumulated, which can be converted to loyalty points and be used at airline and hotel programs.

Eligibility for foreigners: Minimum annual income of S$45,000. Employment Pass holders only

If you're an expat who likes to travel often between Singapore and other destinations, you may like DCS CASHBACK card's complimentary access to nearly 1,300 airport lounges across 600+ cities in 140 countries worldwide, including Changi Airport Terminal 1, 2, 3 and 4.

On top of that, you’ll enjoy 5% cash rebate for all eligible transactions with a minimum spending of S$400 (per month) on your DCS CASHBACK Regular Credit Card.

Eligibility for foreigners: Minimum annual income of S$60,000.