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7 Best Credit Cards in Singapore (2026) — Cashback & Rewards Ranked

DBS vs OCBC vs UOB vs Citi — we compared Singapore's top credit cards by cashback rates, welcome bonuses, and everyday value so you know exactly which card to put in your wallet.

Marcus Wong20 April 20268 min read

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Singapore has no shortage of credit cards — but most people are leaving hundreds of dollars on the table by using the wrong one. We compared cashback rates, annual fees, welcome bonuses, and everyday usability across the top 7 cards so you can pick the right one for your lifestyle.

Whether you want maximum cashback on groceries, rewards for online shopping, or a simple flat-rate card with no hoops to jump through — there's a card on this list for you. Here's our ranked breakdown for 2026, including the best sign-up promos available right now.

DBS Multiplier Card

Singapore's most versatile cashback card — the more you transact with DBS (salary, insurance, investments, credit card spend), the higher your interest rate goes, up to 4.1% p.a. No minimum spend per category, just credit your salary to DBS and use the card. Best for those who already bank with DBS.

Up to $200 cashback for new DBS/POSB cardmembers

Code: DBSNEW200

Valid till 30 Jun 2026

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OCBC 365 Credit Card

The everyday cashback workhorse. Earn 6% on dining, 3% on groceries, petrol, and transport, and 0.3% on everything else. No cap on cashback and a modest min. spend of $800/month. The OCBC 365 is the card Singaporeans turn to for consistent returns across daily spending categories.

$100 cashback + $30 FairPrice voucher for new cardmembers

Code: OCBC365NEW

Valid till 31 Jul 2026

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UOB ONE Card

Best for disciplined spenders who can hit a fixed monthly spend target. Earn up to 10% cashback at Cold Storage, Giant, Guardian, and Shopee, plus up to 6% on Singapore Power utilities. Requires consistent $500, $1,000 or $2,000/month spend. Pairs perfectly with UOB salary credit for bonus interest.

Up to $200 cash credit + Apple AirPods welcome gift

Code: UOBONENEW

Valid till 30 Jun 2026

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Citi Cash Back Card

A strong contender for grocery and petrol spenders — earn 8% cashback at supermarkets and on petrol, and 6% on dining. The $800/month minimum spend is manageable for most households. The monthly cashback cap of $25 per category keeps it honest, but for families with high grocery bills, this card is hard to beat.

$120 cashback + $30 Grab voucher for new Citi cardmembers

Code: CITICB120

Valid till 31 Aug 2026

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Standard Chartered Simply Cash

The no-fuss card for people who hate complicated cashback structures. Earn a flat 1.5% cashback on all spend, no minimum spend, no cashback cap, no category restrictions. Annual fee waived for the first 2 years. If you want one card to rule them all without tracking categories, this is it.

$200 cashback + gifts worth $150 for new SC cardmembers

Code: SCSIMPLY200

Valid till 31 Jul 2026

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HSBC Revolution Card

The best card for online shoppers and contactless payment users. Earn 10X rewards points (equivalent to 4 miles per $1) on online purchases and contactless payments — which covers most daily spending in Singapore. Annual fee waived for life. One of the best miles-earning cards at this price point.

$150 cashback + 10,000 bonus points for new HSBC cardmembers

Code: HSBCREV150

Valid till 30 Sept 2026

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Amex True Cashback Card

American Express's simplest card — flat 1.5% cashback on all spend with no minimum spend or cashback cap. New cardmembers enjoy 3% cashback for the first 6 months (up to $5,000 spend), making it one of the best welcome offers in Singapore. Note: Amex acceptance is slightly lower than Visa/MC at smaller hawker stalls.

3% cashback for first 6 months — up to $5,000 spend

Valid till 31 Dec 2026

Get Deal

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