Compare the Best Cashback Credit Cards in Singapore 2025

Compare all cashback credit cards to see which one gives you the highest cash back based on your spending habits. Read More
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We found 37 Credit Cards for you!
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Citi Cash Back+ Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | UNLIMITED 1.6% CASHBACK
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Citi Cash Back+ Card

Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap
Unlimited
Apply and redeem any of these rewards

Get UPSIZED S$400 Cash or UPSIZED 6,140 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 27 Apr 2025 - See more details below
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Standard Chartered Simply Cash Credit Card
MoneySmart Exclusive
LIMITED TIME | Earn up to 2% Unlimited Cashback
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Standard Chartered Simply Cash Credit Card

on Eligible Spends above S$800
2% Cashback
with no min spends
Unlimited Cashback
on all spend
1.5% Uncapped Cashback
Apply and redeem any of these rewards

[UPSIZED 2% CASHBACK]
Get S$350 Cash via PayNow or earn 4,000 SmartPoints  when you apply and spend S$800 within 30 days from card approval date!
 
PLUS for a limited time, earn UPSIZED UNLIMITED 2% CASHBACK on your purchases charged to your credit card when you spend above S$800! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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OCBC 365 Credit Card
MoneySmart Exclusive
High Spend on Dining
Promotion ends in 5 days

OCBC 365 Credit Card

Cashback on Fuel Spends
6%
Cashback on Everyday Dining
5%
with min. spend of $1,600 per month
Unlock up to $160 Cashback
Apply and redeem any of these rewards

Get S$150 Cash or 1,960 SmartPoints for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
Additionally, enjoy 1-year Disney+ Premium subscription from OCBC when you apply for an eligible OCBC Card! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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HSBC Live+ Card
MoneySmart Exclusive
Up to 8% Cashback | Instant Activation*

HSBC Live+ Card

on Dining, Shopping and Entertainment
8% Cashback*
on fuel at Caltex and Shell gas stations in Singapore
5% Cashback*
on All Other Spends
0.3% Cashback*
Apply and redeem any of these rewards

[Up to S$420 Rewards!]
Get S$350 Cash via PayNow or 5,000 SmartPoints when you apply, spend a min. of S$500 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card.
 
PLUS get S$70 Trip.com Vouchers on top of your baseline gift when you spend and meet the criteria! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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Cashback Credit Card by Trust
MoneySmart Exclusive

Cashback Credit Card by Trust

on your preferred category
Up to 15% Cashback
on all other eligible spend
Unlimited 1% Instant Cashback
FX Fees
0%

Get EXTRA S$50 Cash via PayNow when you are the first 200 New-To-Trust customers to apply and spend any amount through MoneySmart! T&Cs apply.
 
Trust Online Promo: Scratch and win - Earn up to S$3,000 cashback within first 30 days!
Additionally, earn scratch cards with sure-win cashback of up to S$3K in the first 30 days when you spend. And get a S$10 FairPrice Voucher when you make 1 Visa transaction. T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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OCBC INFINITY Cashback Card
MoneySmart Exclusive
Earn 1.6% unlimited cashback

OCBC INFINITY Cashback Card

on eligible transactions
Earn 1.6% Cashback
Min. Spend
S$0
Cashback Cap
Unlimited
Apply and redeem any of these rewards

Get S$150 Cash or 1,960 SmartPoints for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
Additionally, enjoy 1-year Disney+ Premium subscription from OCBC when you apply for an eligible OCBC Card! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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CIMB World Mastercard
MoneySmart Exclusive
Earn up to 2% unlimited cashback!

CIMB World Mastercard

Unlimited Cashback on the following categories (Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods)
Up to 2%
Min. spend per month to qualify for 2% Cashback
S$1,000
Cash Rebate cap
Unlimited

[Enjoy up to S$120 worth of Rewards!]
Get S$50 Cash and S$70 Trip.com Voucher when you apply and spend a min of S$108 within 30 days from card approval! T&Cs apply.
 
PLUS get S$188 cashback from CIMB when you spend a min. of S$988 within 60 days, or S$88 cashback from CIMB when spend a min. of S$108 within the first 30 days! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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UOB One Card
Online Promo
Enjoy up to 10% Cashback!

UOB One Card

Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more
Up to 10%
Cashback Cap per quarter
Up to S$500
Min. Spend per month
S$500
Online Promo:
Get S$350 cash credit when you are the first 200 new-to-UOB credit card customers in April 2025 who successfully apply for an eligible UOB Credit Card between 1 April 2025 and 30 April 2025 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
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HSBC Advance Credit Card
MoneySmart Exclusive
Earn up to 2.5% Cashback | Instant Activation*

HSBC Advance Credit Card

Base Cashback
1.5%
Cashback when you spend more than S$2,000
2.5%
Cashback Cap per month
S$70
Apply and redeem any of these rewards

[Up to S$420 Rewards!]
Get S$350 Cash via PayNow or 5,000 SmartPoints when you apply, spend a min. of S$500 from Card Account Opening Date to end of the following calendar month! Pay Annual Fee for HSBC TravelOne Card.
 
PLUS get S$70 Trip.com Vouchers on top of your baseline gift when you spend and meet the criteria! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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CIMB Visa Infinite
MoneySmart Exclusive
Earn up to 2% unlimited cashback!

CIMB Visa Infinite

Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
2%
Min. spend per month
S$2,000
Cash Rebate cap
Unlimited

[Enjoy up to S$120 worth of Rewards!]
Get S$50 Cash and S$70 Trip.com Voucher when you apply and spend a min of S$108 within 30 days from card approval! T&Cs apply.
 
PLUS get S$188 cashback from CIMB when you spend a min. of S$988 within 60 days, or S$88 cashback from CIMB when spend a min. of S$108 within the first 30 days! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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OCBC 90°N Card
MoneySmart Exclusive
Earn Miles That Don't Expire

OCBC 90°N Card

on Agoda accommodations worldwide
S$1 = Up to 7 Miles
on Foreign Currency Spend
S$1 = 2.1 Miles
on Local Spend
S$1 = 1.3 Miles
Apply and redeem any of these rewards

Get S$150 Cash or 1,960 SmartPoints, PLUS a 5GB Eskimo eSIM (worth US$25) for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
Additionally, enjoy 1-year Disney+ Premium subscription from OCBC when you apply for an eligible OCBC Card! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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American Express True Cashback Card
Online Promo
Unlimited Cashback

American Express True Cashback Card

on up to $5,000 spend in the first 6 months for new Card Members.
3.0% Cashback
all subsequent eligible purchases
1.5% Cashback
Cash Back Cap
Unlimited
Online Promo:
Get S$120 eCapitaVouchers or Apple AirPods 4 (RSP S$199) when you apply and spend S$500 of Qualifying Spends within the first month of card approval. T&Cs apply.
Valid until 30 Jun 2025 - See more details below
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UOB Absolute Cashback Card
Online Promo
Unlimited 1.7% Cashback

UOB Absolute Cashback Card

Cash Back on Eligible Spend
1.7%
Min. Spend per month
S$0
Cash Back Cap
Unlimited
Online Promo:
Get S$350 cash credit when you are the first 200 new-to-UOB credit card customers in April 2025 who successfully apply for an eligible UOB Credit Card between 1 April 2025 and 30 April 2025 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
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CIMB Visa Signature
MoneySmart Exclusive
Earn up to 10% cashback

CIMB Visa Signature

Cash Back on Beauty & Wellness, Online Shopping, Groceries
Up to 10%
Min. spend per month to qualify for the 10% Cash Back
S$800
Cash Back Cap per month
S$100

[Enjoy up to S$120 worth of Rewards!]
Get S$50 Cash and S$70 Trip.com Voucher when you apply and spend a min of S$108 within 30 days from card approval! T&Cs apply.
 
PLUS get S$188 cashback from CIMB when you spend a min. of S$988 within 60 days, or S$88 cashback from CIMB when spend a min. of S$108 within the first 30 days! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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DBS Live Fresh Card
Online Promo
Shopping and Transportation

DBS Live Fresh Card

on Shopping & Transport Spend
Up to 6% cashback
Cashback Cap
Up to S$70
Min. Spend per month
S$800
Online Promo:
Get S$300 cashback from DBS when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
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Citi Cash Back Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK

Citi Cash Back Card

Cash Back on Groceries, Petrol & Private Commute
Up to 8%
Total Cash Back Cap, per month
S$80
at Caltex, Shell & Esso
Up to 23.64% savings
Apply and redeem any of these rewards

Get UPSIZED S$400 Cash or UPSIZED 6,140 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 27 Apr 2025 - See more details below
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UOB EVOL Credit Card
Online Promo
Up to 10% Cashback

UOB EVOL Credit Card

on Online, Mobile Contactless, Overseas in-store FX spend
10% Cashback
Cash Back Cap per month
Up to S$80
Min. Spend per month
S$800
Online Promo:
Get S$350 cash credit when you are the first 200 new-to-UOB credit card customers in April 2025 who successfully apply for an eligible UOB Credit Card between 1 April 2025 and 30 April 2025 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
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Standard Chartered Smart Credit Card
MoneySmart Exclusive
Earn up to 10% Bonus Cashback

Standard Chartered Smart Credit Card

on spends above S$1,500 on Bonus Categories
10% Bonus Cashback
on spends above S$800 on Bonus Categories
8% Bonus Cashback
on spends below S$400 on Bonus Categories
4% Bonus Cashback
Apply and redeem any of these rewards

Get S$230 Cash via PayNow or 2,990 SmartPoints when you apply and spend S$800 within 30 days from card approval date! T&Cs apply.

Valid until 30 Apr 2025 - See more details below
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American Express Singapore Airlines KrisFlyer Credit Card
Online Promo
Most convenient way to earn KrisFlyer miles

American Express Singapore Airlines KrisFlyer Credit Card

on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases
S$1 = 2 KrisFlyer miles
on eligible Grab Singapore transactions
S$1 = Up to 2 KrisFlyer miles
on all other eligible purchases
S$1 = 1.1 KrisFlyer miles
Online Promo:
New to American Express Card Members can receive up to 17,000 KrisFlyer miles – enough to redeem a return trip to Bali* on Singapore Airlines, upon S$1,000 spend within first month of Card approval. T&Cs apply.
Valid until 28 May 2025 - See more details below
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Maybank Family & Friends Card
Earn up to 8% Cashback

Maybank Family & Friends Card

globally on 5 preferred cashback categories
Up to 8% Cashback
on Malaysian Ringgit and Indonesia Rupiah spend
Up to 8% Cashback
Cashback Per Month
Up to S$150
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Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Cashback Credit Cards Singapore

Best Credit Cards for Everyday Use

In order to maximize your credit card rewards, it is often a good choice to combine multiple credit cards each specializing in a particular spending type or card feature that best suits your lifestyle. Avoid paring Miles credit cards with Cashback credit cards since these reward types are incompatible. Points credit cards, on the other hand, are more flexible as they can be used to either get cash rebates on specific merchants or convert points into miles to redeem free flight tickets.

Cashback

Cashback Credit Cards

  1. Citi Cash Back Card: Use for grocery shopping worldwide
  2. UOB One Card: Use for pumping petrol at SPC and Shell
  3. OCBC 365 Credit Card: Use for spending on everyday dining

Reward Points

Reward Points Credit Cards

  1. Citi Rewards Card: Use for retail shopping to earn extra miles
  2. American Express CapitaCard: Use for shopping at CapitaLand Malls to earn cash rebates
  3. DBS Woman's World Card: Use for free gym memberships

Air Miles

Miles Credit Cards

  1. Citi PremierMiles Visa Card: Use for online hotel and flight bookings
  2. UOB PRVI Miles Card: Use for general local spend

Compare the best credit cards for miles using Moneysmart's online comparison tool

Which is the Best Cashback Credit Card?

Despite all these frightening terms & conditions, cashback credit cards are actually good entry-level cards for everyday use - once you understand what you’re signing up for, that is. They typically come with low-income requirements (usually around $30,000 annually) which most young working adults can hit fairly easily, and in most cases, annual fees are waived.

You also don’t need to spend a huge amount of money in order to enjoy cash rebates. The secret is in choosing the best cash back credit card for you. To get the most out of your cashback credit card, pick one that is perfectly aligned to your actual spending habits. For example, if you spend a lot on clubbing or online shopping, look for a card that offers hefty bonus cashback rates on these categories or merchants.

If you are not a particularly big spender in any one category (or you simply can’t predict your spending patterns), go for one with a high base cashback rate, provided you can meet the minimum spend requirements.

How Do Cashback Credit Cards Work?

Rather than offering rewards points or air miles like other credit cards, a cashback credit card rewards you with a cash rebate instead. This amount is credited to your account, effectively giving you a discount off your credit card bill. New to the world of cash back credit cards? Here’s the lingo you should know before you jump in:

Basic Cashback

Also known as “base rate”, this is the standard cash rebate you can expect to receive on your purchases, regardless of when, where, how or with whom it’s made. Typically this falls around 0.25%. Pathetic, right?

Introductory offers

Some cards offer introductory cashback promotions, such as a higher cashback rate for the first few months, or maybe a bonus rebate when you make your first purchase. Be aware of the limited nature of these promotions and of any terms and conditions.

Bonus Cashback

Here’s where the real cash rebates are. Bonus cashback is awarded when you perform specific types of spending (e.g. online purchases or telco bills) or with the bank’s partner merchants (e.g. Grab or Income FairPrice). These are awarded on top of the base cash rebate and can be pretty high - as much as 10%.

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Can You Really Get Unlimited Cash Back?

In most cases, no. Cashback credit cards come with loads of terms and conditions, which you’ll need to check before signing up. Not only do banks set limits on how much cash rebates you can get, but there are also additional requirements to fulfill each month. (Expected lah. If banks gave away money too freely, they wouldn’t be in business, right?. Here’s what to look out for:

Cashback Cap

Credit card issuers often have a cap on how much cash rebate you can earn each month. Some are evenly split by bonus category. You may be surprised to find that your 10% foodpanda cashback is capped at $15! Look at the cap, then work backward and figure out how much you can spend on the card before you hit the cap.

Minimum Spend

Many cashback credit cards require you to spend this amount before you qualify for the advertised cashback rates. These can range from reasonable amounts like $500 or $600, to hefty sums like $2,000 a month. If your planned expenditure is nowhere near that minimum, it makes little sense to apply for the card.

Cashback Categories

It’s very important to make sure that your credit card’s bonus cashback categories/merchants reflect your actual spending habits. An 8% rebate at supermarkets isn’t very useful if you mostly dine out. And if you usually pump petrol at Shell, then for goodness’ sake don’t get a credit card offering cash rebates at Caltex.

Frequently Asked Questions

What does it mean to get cash back on a credit card?

No, you won’t get your cashback credited into your bank account (or receive a wad of money in the mail, for that matter). Cash back credit cards don’t work that way, sadly. You won’t get actual “cash” that you can see and use right away. Instead, you’ll get the amount credited back to you on your card. When your cashback is in, your credit card statement will reflect a positive charge. In other words, you’ll have $X of credit to use for free. This basically gives you a discount off your next bill, so you’ll need to continue using your credit card after the cashback comes in.

What’s the highest cash back you can get with a credit card?

Cashback credit cards in Singapore are extremely competitive and dynamic. Just a year ago, 5% cashback seemed like a very generous offer, but by today’s standards, it’s bordering on misery. Banks have really upped their game especially when it comes to a merchant- or category-specific cashback. These days, it’s not uncommon to see 10% rebates or even 12%. However, many of these generous sounding rebates have tons of restrictions, most commonly minimum spends, cash back caps, and expiry dates. So they’re not THAT easy to get hold of.

Is it worth getting a cash back credit card?

This is a totally subjective matter and it really, really depends on how you like to be rewarded. There are two main camps out there - Team Cashback and Team Air Miles. Team Cashback likes instant gratification. These are the folks who feel good about life when they snag a cup of bubble tea for $2.50 instead of $3. On the other hand, those on Team Air Miles would rather not waste time with small discounts and aim for big “prizes”, like free Business Class flights, and don’t mind playing the long game for a big payoff at the end. So ultimately, the only person who can say it’s worthwhile to get a cashback credit card is YOU.

Which is the best: Standard Chartered Unlimited Cashback vs Citi Cashback vs AMEX True Cashback?

The best cashback credit card is the best one that fits your lifestyle perfectly. If you’re the type who would always tap your card for every payment, look into Standard Chartered Simply Cash Credit Card. There’s no cap, so can shop all you want and earn unlimited cashback. When it comes to dining out, groceries and petrol, the Citi Cashback credit card takes the top spot. The AMEX True Cashback credit card is rather straightforward. They give out 1.5% cashback with no minimum spend, no cap and no strings attached. So if you want an uncomplicated card, this card is for you.

How to choose the best cashback credit card?

Shop around and compare the best cashback credit cards. Check the categories that you usually spend on and the cashback rate. Then go for the one that matches your spending habits.

Is paying the minimum balance bad?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)!

Does paying only minimum balance affect credit score?

Yes, If you plan to apply for any kind of credit or loan (such as a housing loan or car loan) in the future, be aware that any “bad behavior” with your credit card can come back to haunt you in the form of a bad credit score.

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