Where do your figures come from?

From each bank's own card pages, pricing guides and information sheets, read on the date shown. We never use a comparison site's exclusive offer as a card's offer.

Do the fees include GST?

Yes. Singapore banks quote card fees including 9% GST, and we show them the same way.

Will comparing cards affect my credit score?

No. Comparing on our site has no effect on your Credit Bureau Singapore record. A check happens only when you apply with a bank.

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Credit card comparison table with rates, fees, rewards and apply links.
Card	Name and rating	Annual fee	Purchase rate	Rewards program	Sign-up bonus	Interest-free days
HSBCSignature •••• •••• •••• •••• Credit Card CompareVisa	HSBC Revolution Credit Card	S$0	27.80% p.a.	HSBC Reward points	42,000 pts	Up to 20	Application
MaybankSignature •••• •••• •••• •••• Credit Card CompareVisa	Maybank Horizon Visa Signature Card	S$196.20	27.90% p.a.	Maybank TREATS Points	—	Up to 20	Application
CitiSignature •••• •••• •••• •••• Credit Card CompareVisa	Citi Rewards Card	S$0	27.90% p.a.	Citi ThankYou Rewards	40,000 pts	Up to 25	Application
Citi •••• •••• •••• •••• Credit Card CompareMastercard	Citi Cash Back+ Card	S$196.20	27.90% p.a.	—	—	Up to 25	Application
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express	American Express Singapore Airlines KrisFlyer Credit Card	S$0	27.80% p.a.	Singapore Airlines KrisFlyer	16,000 pts	Up to 22	Application
OCBC •••• •••• •••• •••• Credit Card Compare	OCBC 365 Credit Card	S$196.20	27.78% p.a.	—	—	Up to 23	Application
Standard Chartered •••• •••• •••• •••• Credit Card Compare	Standard Chartered Simply Cash Credit Card	S$0	27.90% p.a.	—	—	Up to 22	Application
OCBC •••• •••• •••• •••• Credit Card CompareMastercard	OCBC 90°N Mastercard	S$0	27.78% p.a.	OCBC 90°N Miles	22,000 pts	Up to 23	Application
UOB •••• •••• •••• •••• Credit Card CompareMastercard	UOB PRVI Miles Card	S$0	27.80% p.a.	UOB UNI$	—	Not published	Application60 second approval
UOB •••• •••• •••• •••• Credit Card Compare	UOB One Card	S$0	27.80% p.a.	—	—	Not published	Application60 second approval