Earn money back on every purchase. We ranked Singapore's top cashback apps for online shopping, dining and travel, with the redemption caps, payout thresholds and expiry rules that decide how much you actually keep.
Cashback apps are the easiest way to save on spending you would be doing anyway. Here are the five best in Singapore for 2026.
> Quick view: Only ShopBack turns into real money in a bank account, and only above a S$10 withdrawal floor. The other four pay in credit or coins that expire, and Shopee releases just S$10 of coins a day.
Singapore's biggest cashback app by a wide margin. Its own homepage counts 20,000 brand partners, 20 million active annual members and S$1.2 billion of cashback awarded, and Lazada, Shopee, Amazon SG, Taobao, Klook and almost every hotel booking site are on it. Rates are set store by store and the spread is far wider than the usual 1-to-30% shorthand: checked on 5 September 2026, Klook was paying up to 25% and Agoda up to 20%, while Lazada paid up to 8% and foodpanda up to 0.15%, so check the rate before you assume the click is worth making. It works in a browser as well as in the app: the ShopBack Chrome extension flags an eligible store, asks you to activate cashback with one click, and shows any usable coupon codes at checkout. In store, ShopBack no longer issues a card of its own. You link your existing credit or debit card and pay with ShopBack Pay by scanning the QR at the counter, and note the catch its help centre spells out: in-store Return Cashback is confirmed on your next visit to that same store, not the one you are paying for. On payouts, read the fine print. ShopBack's Singapore withdrawal guide now lists bank transfer as the only method, to a Singapore-issued bank account; you need S$10 of Confirmed Cashback before you can withdraw at all, there is a S$300 daily withdrawal cap, and transfers typically land within 10 calendar days rather than instantly. Withdrawals themselves are free. There is also a paid tier, ShopBack Plus, which buys higher rates at top stores such as Trip.com, Nike, iHerb and foodpanda, plus a Plus Day on the 15th of every month when selected stores run upsized rates for members only. It auto-renews monthly, the fee is deducted from your cashback balance before your linked card, it is non-refundable, and the price is only shown to you at sign-up.
Referral bonus: S$5 each for you and your friend, per ShopBack's own help centre. The friend has to sign up on your link, join the new user challenge, make a first online purchase and spend S$20 via ShopBack, and accumulate S$10 of Confirmed Cashback (excluding bonus cashback), all within 180 days of the sign-up date, or both bonuses expire. PayLater purchases have not counted towards the Refer-a-Friend programme since 11 March 2024. Stack with rotating Quests and Challenges for bonus cashback on app-flagged purchases.
The go-to app for dining cashback. Fave partners with thousands of F&B outlets across Singapore, from cafes and restaurants to bubble tea chains and bars, and its own help centre puts FavePay at up to 30% instant cashback, with the rate set per merchant (15% is common at restaurants). FavePay lets you pay at participating merchants directly from the app and stack restaurant-specific promos. Two catches separate Fave from ShopBack, and only one of them normally gets written up. The known one: your cashback comes back as Partner Cashback usable at that same partner, meaning any of its participating outlets but not your bank. The one almost nobody mentions: it expires. Fave's help centre says Partner Cashback is valid for three months, until the end of the third month from issuance, after which it is voided and cannot be reinstated, extended or converted to cash, the same clock Shopee Coins run on. It is also calculated on the cash portion of the bill only, so whatever you settle with existing cashback earns nothing back and the balance shrinks each time you recycle it. One nuance most write-ups miss: the merchant lock applies to Partner Cashback specifically. Fave runs three balances, and the other two are platform-wide. Fave Cashback offsets FavePay, FaveDeals and eCards automatically, and Fave e-Cashback offsets FaveDeals and eCards but not FavePay; both come from promo-code campaigns and both last just 30 days unless the campaign says otherwise. Worth it if you dine out more than twice a week and have a regular haunt, but it is not a piggy bank.
Up to 30% instant cashback when you pay with FavePay, at rates set per merchant (15% is common at restaurants). That cashback is credited as Partner Cashback, to spend on your next visit to that same partner rather than withdrawn as cash, and it expires at the end of the third month from issuance. Fave's two platform-wide balances, Fave Cashback and Fave e-Cashback, come from promo-code campaigns instead and last only 30 days. Fave and FavePay operate in Malaysia and Singapore (its own coverage page no longer lists Indonesia), and Singapore is covered islandwide. Fave is owned by Pine Labs; the Singapore operating entity is Beeconomic Singapore Pte. Ltd.
Built into the Grab app, so you accumulate coins on every Grab ride, GrabFood order, GrabMart purchase and GrabPay transaction, and 500 GrabCoins is worth S$1. The rename is done: GrabRewards is now GrabCoins, and existing points carried over at 1 point = 1 GrabCoin. What Grab's own rewards page adds, and most roundups skip, is that the headline earn rates are weekday-only, valid Mondays to Fridays from 00:00 to 23:59. On those days you get 10% back in coins on a Grab Premium ride and 5% back on a Group Order, an order from an Only on Grab merchant, a supper order between 9pm and midnight, a Family Account ride, a pet-friendly ride or the monthly Power Up challenge. All day, every day, it is much thinner: 0.3% paying with the GrabPay wallet at partner merchants, 0.5% on PayLater and partner-app bookings, 0.6% spending with GXS Bank on Grab and 2% on GXS debit card spend overseas. A Grab DineOut table booking is worth a flat 1,000 coins (S$2), capped at two bookings a day, and rating an order earns up to 100. Caps apply to the big ones too: the Only on Grab 5% needs S$25 of spend excluding service fees and stops at 3,000 coins an order, and a Group Order needs S$35 and at least three people and stops at 4,500. Coins are less locked-in than their reputation suggests: the GrabCoins catalogue redeems ride and GrabFood vouchers but also partner vouchers such as amazon.sg and Cold Storage, and converts to KrisFlyer miles. The clock to watch: Grab's Singapore payment and rewards terms say loyalty units are automatically forfeited if not used within six months of the date of issuance.
GrabRewards is now GrabCoins. Your old points carried over 1 point = 1 GrabCoin, and 500 GrabCoins is worth S$1. Weekdays only, Monday to Friday: 10% back on Grab Premium rides and 5% back on Group Orders, Only on Grab merchants, 9pm-to-midnight supper orders, and Family Account or pet-friendly rides. You can start offsetting a GrabFood or GrabMart order from just 50 GrabCoins, and the GrabCoins catalogue also redeems partner vouchers (amazon.sg, Cold Storage) and KrisFlyer miles. Grab's own Singapore terms say unused coins are forfeited six months from the date of issuance, not the end of that month, so burn the oldest first.
Shopee's built-in wallet gives you Shopee Coins, and the base rate is plainer than most write-ups suggest: 1 Shopee Coin per S$1 spent on a transaction that carries a cashback promotion, which is 1%, rising to up to 5% coins cashback when you pay a ShopeePay merchant under the All-Day Cashback Campaign, and higher again during campaigns like 9.9 and 12.12. 100 Shopee Coins equals S$1 and there is no minimum before you can start spending them, but they cannot be converted to cash, and they expire at the end of the third month from when they were earned (the month you earn them counts as month one, so coins earned any time in January are gone by 31 March). The limits are what actually decide whether a balance is worth anything. You can redeem at most 1,000 coins (S$10) every 24 hours, and 7,000 coins (S$70) a week on Shopee orders, Scan & Pay voucher purchases and digital products. Shopee's own table marks the weekly cap 'NA' for payments to ShopeePay merchants, so those are held back only by the daily 1,000. On percentages, coins cover no more than 30% of a normal Shopee order and of a digital product, 50% paying a ShopeePay merchant, and 100% only on ShopeePay Scan & Pay vouchers. One escape hatch worth knowing: coins earned through Shopee Live & Video Rewards sit in Coins Savings and do not expire while they are parked there. The three-month clock only starts when you withdraw them to your Coins Wallet, which you can do once a day at 500 coins for the first withdrawal and then in blocks of 3,000, 5,000 or 50,000.
Earn 1 Shopee Coin per S$1 on transactions carrying a cashback promotion, and up to 5% coins cashback paying ShopeePay merchants under the All-Day Cashback Campaign. 100 coins = S$1 with no minimum before you can spend, but redemption is capped at 1,000 coins (S$10) per 24 hours, 7,000 coins (S$70) a week on Shopee orders, Scan & Pay vouchers and digital products (no weekly cap on ShopeePay merchant payments), and 30% of a Shopee order (50% at a ShopeePay merchant, 100% on Scan & Pay vouchers). Coins expire at the end of the third month from when they were earned; coins parked in Coins Savings from Shopee Live & Video Rewards only start that clock when you withdraw them.
SIA's lifestyle app lets you earn KrisFlyer miles on everyday spending: dining, shopping, taxis and even telco bills. That is gold for anyone saving for a redemption flight. Miles earned via Kris+ stack with miles from your credit card, effectively double-dipping, and you keep earning your card's own reward points when you pay through the app with Apple Pay or Google Pay. Singapore Airlines' own page counts over 1,900 partner outlets islandwide (accurate as at June 2026) across dining, retail, attractions and wellness, and the headline earn rate is up to 6% back in miles at local partners. Two things change who this app is actually for. First, you do not have to be saving for a flight: miles earned in Kris+ can be spent to offset your bill at Kris+ partners directly. Second, it is the only app on this list that follows you out of the country, with SIA listing Kris+ partners in Australia, Hong Kong, India, Indonesia and South Korea. The trap to know before you start: miles you do choose to move must be transferred to your KrisFlyer account within 21 days of conversion, at 1 mile = 1 KrisFlyer mile. Miss that window and the balance is stranded in the app.
Earn up to 6% back in miles on everyday spend at 1,900+ Kris+ partner outlets islandwide (dining, retail, attractions, wellness; figure accurate as at June 2026), spend those miles to offset your bill at Kris+ partners without ever booking a flight, and convert reward points from Citibank, DBS, UOB and CapitaStar into miles inside the app. Kris+ partners also exist in Australia, Hong Kong, India, Indonesia and South Korea. Referral: S$5 each when a friend registers and makes a transaction. Critical rule: if you want the miles in KrisFlyer, transfer them from Kris+ within 21 days of conversion, at 1 mile = 1 KrisFlyer mile, or the balance stays stuck in Kris+.
The word "cashback" hides three very different things, and this is the single biggest reason people over-estimate what they are earning.
This is the part almost no roundup mentions, and in 2026 it is where most people lose money:
| App | What you earn | Expiry rule |
|---|---|---|
| ShopBack | Cash (S$) | No expiry, but S$10 minimum before withdrawal |
| Fave | Partner Cashback, at that partner | End of the third month from issuance |
| Fave | Fave Cashback or e-Cashback, from a promo code | 30 days from issuance |
| GrabCoins | 500 coins = S$1 | Six months from the date of issuance |
| Shopee Coins | 100 coins = S$1 | End of the third month from earning |
| Kris+ | KrisFlyer miles | Transfer to KrisFlyer within 21 days of conversion |
Only one of the five never expires, and it is not the one most people assume. Fave sits on the same three-month clock as Shopee Coins: its own help centre says Partner Cashback is valid for three months, until the end of the third month from issuance, after which it is voided and cannot be reinstated or converted to cash. The app people treat as a safe piggy bank is quietly one of the fastest to empty.
Fave actually runs three balances, not one, and only Partner Cashback is locked to a single merchant. Fave Cashback is spent automatically across FavePay, FaveDeals and eCards, while Fave e-Cashback works on FaveDeals and eCards but not on FavePay. Both are earned from promo-code campaigns, and both are valid for only 30 days unless the campaign says otherwise, which makes them the fastest-dying balance on this page.
GrabRewards was renamed GrabCoins and old points carried over 1 point = 1 GrabCoin. Grab's own Singapore payment and rewards terms say loyalty units are forfeited if not used within a six-month timeframe from the date of issuance, which is stricter than the end-of-month version usually quoted: coins earned on 3 February die on 3 August, not 31 August. And Kris+ miles left in the app past the 21-day transfer window get stranded there rather than reaching your KrisFlyer account.
Expiry only bites because you cannot always spend a balance quickly, and this is the number nobody prints next to the headline rate.
The practical rule: check the cap before you decide to save rather than spend. On Shopee, a balance you cannot redeem faster than S$10 a day is not really savings.
Both, but the list is shorter than the search results suggest. ShopBack is the website as well as the app. You can shop through shopback.sg in a browser, and its Chrome extension does the tracking for you: install it, shop as normal, and the button turns red on an eligible store and prompts you to activate cashback, then turns green once tracking is on. At checkout it also surfaces any coupon codes you can apply, which is the closest thing here to a classic desktop cashback site and the reason ShopBack reaches merchants you have no other relationship with.
The international names do not help you in Singapore. TopCashback has no Singapore site: topcashback.sg redirects to topcashback.com, its US site, which is built around US retailers and US payouts. Fave, Grab, Shopee and Kris+ are app-first by design. In practice the browser route in Singapore is ShopBack plus whatever voucher codes the store itself publishes.
Route online shopping through ShopBack first (it sits on top of Shopee, Lazada, Klook and hotel bookings), pay with a cashback or miles credit card so you earn twice on the same dollar, and let GrabCoins or Shopee Coins accumulate passively from spending you already do. Spend them down rather than hoard, because both are on a clock and Shopee will only release S$10 of coins a day. Use Fave only where you are a regular, and treat its Partner Cashback as a three-month voucher rather than savings. Kris+ is worth more than its reputation: miles earned there can be spent to offset your bill at Kris+ partners directly, so you do not have to be saving for an SIA redemption to use it. The 21-day transfer window only matters when you want the miles sitting in your KrisFlyer account instead.
This is the comparison people actually search for, and the honest answer is that the two are not competing for the same dollar.
One thing usually said about GrabCoins is no longer true: the balance is not sealed inside Grab. The GrabCoins catalogue also redeems partner vouchers, amazon.sg and Cold Storage among them, and converts to KrisFlyer miles, so coins can leave the Grab app even though they never become cash.
If you shop online more than you ride, ShopBack returns more real money. If Grab is your daily default, GrabCoins quietly earn more than most people expect, but only if you actually spend them. The mistake to avoid is hoarding: an expired coin balance is worth nothing, while ShopBack cashback simply waits for you.
*Rates, redemption caps, payout thresholds and expiry rules were checked against each provider's own site and help centre on 5 September 2026. Programmes change without notice, so confirm in-app before you rely on a balance.*
Only ShopBack, of the five here. Its Singapore withdrawal guide now lists bank transfer as the only method, to a Singapore-issued bank account, and there are thresholds worth knowing before you count on it: you need S$10 of Confirmed Cashback before you can withdraw anything, there is a S$300 daily withdrawal cap, and transfers typically take up to 10 calendar days rather than arriving instantly. Withdrawals themselves are free. Everything else on this list pays you in a currency you spend inside its own ecosystem: Fave returns credit usable at the same merchant, Grab and Shopee pay in coins, and Kris+ pays in KrisFlyer miles.
All three do, and Fave is the one that surprises people. Fave's own help centre says Partner Cashback, the balance you earn paying with FavePay, is valid for three months, until the end of the third month from issuance, after which it is voided and cannot be reinstated, extended or converted to cash. Fave's two platform-wide balances are shorter still: Fave Cashback and Fave e-Cashback come from promo-code campaigns and last only 30 days unless the campaign says otherwise. Shopee Coins run on exactly the same clock as Partner Cashback: end of the third month from when they were earned, counting the month you earned them as the first month, so coins earned any time in January expire on 31 March. The exception is coins earned through Shopee Live & Video Rewards, which sit in Coins Savings and do not expire until you withdraw them to your Coins Wallet. GrabCoins are the strictest to read correctly: GrabRewards was renamed GrabCoins with points converting one-to-one, and Grab's Singapore payment and rewards terms say loyalty units are automatically forfeited if not used within six months of the date of issuance, from the date rather than the end of that month, so coins issued on 3 February die on 3 August. For reference, 500 GrabCoins is worth S$1 and 100 Shopee Coins is worth S$1, and neither can be converted to cash. Of the five apps here, only ShopBack cashback never expires. Check the other four now and spend the oldest first.
Speed and hassle are two different questions, and the answer flips depending on which you care about. If you want money in your bank, only ShopBack can do it, and it is the slowest and most gated route: S$10 of Confirmed Cashback before you can withdraw anything, a S$300 daily cap, a one-time email verification of your bank details, and typically up to 10 calendar days for the transfer to land (it pays by bank transfer to a Singapore-issued account, and the withdrawal itself is free). If you just want to stop paying full price, the coins are far quicker but capped. GrabCoins are the easiest of the lot: no verification, no threshold, and you can start offsetting a GrabFood or GrabMart order from 50 coins, which is ten cents. Shopee Coins also have no minimum, but a hard ceiling of 1,000 coins (S$10) every 24 hours, plus 7,000 coins (S$70) a week on Shopee orders, Scan & Pay vouchers and digital products (paying a ShopeePay merchant has no weekly cap), and no more than 30% of a Shopee order (50% at a ShopeePay merchant, 100% on Scan & Pay vouchers), so a large balance genuinely takes weeks to spend down. Fave never pays out in cash: the balance only works back at the partner that issued it, against the cash portion of your next bill. Kris+ is the fiddliest, because converting miles starts a 21-day countdown to move them into KrisFlyer, though you can skip that entirely by spending them at Kris+ partners instead.
Yes, and this is the single highest-value habit in the whole category, because the two rewards come from different parties. The app earns you cashback from the merchant for sending the sale their way; your card earns you cashback or miles from the bank for the payment itself. Route the purchase through ShopBack, then pay with a cashback or miles card, and the same dollar works twice. Kris+ goes further, letting you convert reward points from Citibank, DBS, UOB and CapitaStar into miles inside the app, and its earn stacks on top of whatever your card gives you.
Two or three, yes; five, usually not. The sensible core is ShopBack for online shopping and travel, because it sits on top of Shopee, Lazada, Klook and most hotel sites, plus whichever ecosystem you already live in: GrabCoins if you ride and order Grab daily, Shopee Coins if you shop Shopee. Add Fave only if you have genuine regular haunts, since its Partner Cashback is merchant-locked and useless at a one-off visit. Kris+ is worth adding more often than people think, because you can spend its miles to offset your bill at Kris+ partners without ever booking a flight, and the 21-day transfer window is only real admin if you actually want the miles inside your KrisFlyer account. Beyond that, the extra app earns you a few dollars a year and costs you attention at every checkout.
Both, but the browser list is much shorter than the search results suggest. ShopBack is the website as well as the app: you can shop through shopback.sg in a browser, and its Chrome extension handles the tracking. Install it, shop as normal, and the button turns red on an eligible store and asks you to activate cashback, then turns green once tracking is on; at checkout it also shows any coupon codes you can apply. That is the closest thing in Singapore to a classic desktop cashback site, and it is why ShopBack reaches merchants you have no other relationship with. The international names are not an option here: TopCashback has no Singapore site, and topcashback.sg simply redirects to its US site, topcashback.com, which is built around US retailers and US payouts. Fave, Grab, Shopee and Kris+ are app-first by design, with no browser cashback flow at all. So in practice, cashback for online shopping in Singapore means ShopBack plus whatever voucher codes the store publishes itself.
We deliberately do not crown one card here, because the winner shifts every time a bank changes its quarterly promotion, but the selection rule is stable. Shopee, Lazada and the delivery apps all bill as online transactions, so look for a card whose bonus category is online or mobile-wallet spend rather than one paying a flat rate on everything. Then check the three things a headline rate hides: the minimum monthly spend needed to qualify, the monthly cap on bonus cashback (this is what usually decides your real return, not the percentage), and whether e-wallet top-ups such as ShopeePay or GrabPay are excluded, because many cards carve them out. Route the purchase through ShopBack first, then pay with that card, and the app's cashback and the bank's rewards land separately on the same dollar. Our [7 Best Credit Cards in Singapore (2026)](/article/best-credit-cards-singapore-2026) guide compares the current cards in detail.
