Credit Card Compare

Best credit cards in Singapore

Cards ranked by category using CardIQ: a data-driven rating across fees, earn rates, rewards value and more. Rankings are generated algorithmically, with no human input, and update whenever product data changes.

Best airport lounge credit cards

Relax before your flight with lounge access.

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#1
62Good
Maybank Horizon Visa Signature Card
Rewards program
Maybank TREATS Points
Earn rate
7 pts per S$1 (Very high)
Sign-up bonus
—
Annual fee
S$196.20 (Above average for Signature cards)
Application
#2
52Fair
UOB PRVI Miles Card
Rewards program
UOB UNI$
Earn rate
1.4 pts per S$1 (Average)
Sign-up bonus
—
Annual fee
S$0
Application

Best cashback credit cards

Get cash back on everyday spending.

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#1
88Excellent
Citi Cash Back+ Card
Cashback offer
S$320 sign-up + 1.6% ongoing
Interest-free days
Up to 25 (Above average)
Annual fee
S$196.20
Est. first-year cashback
S$896 at S$3,000/mo spend (High)
Application
#2
85Excellent
Standard Chartered Simply Cash Credit Card
Cashback offer
1.5% ongoing
Interest-free days
Up to 22 (Below average)
Annual fee
S$0
Est. first-year cashback
S$540 at S$3,000/mo spend (High)
Application
#3
79Strong
OCBC 365 Credit Card
Cashback offer
S$300 sign-up + 0.25% ongoing
Interest-free days
Up to 23 (Average)
Annual fee
S$196.20
Est. first-year cashback
S$390 at S$3,000/mo spend (Average)
Application

Best no annual fee credit cards

Skip the annual fee and keep your costs down.

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#1
60Good
HSBC Revolution Credit Card
Annual fee
S$0 (Average for Signature cards)
Purchase rate
27.80% p.a. (Very Low)
Interest-free days
Up to 20 (Below average)
Foreign transaction fee
2.25% (Average)
Application
#2
42Fair
American Express Singapore Airlines KrisFlyer Credit Card
Annual fee
S$0
Purchase rate
27.80% p.a. (Very Low)
Interest-free days
Up to 22 (Below average)
Foreign transaction fee
3.25% (High)
Application
#3
42Fair
Citi Rewards Card
Annual fee
S$0 (Above average for Signature cards)
Purchase rate
27.90% p.a. (Average)
Interest-free days
Up to 25 (Above average)
Foreign transaction fee
3.25% (High)
Application

Best rewards credit cards

Earn points on your spending and redeem them your way.

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#1
79Strong
HSBC Revolution Credit Card
Rewards program
HSBC Reward points
Earn rate
10 pts per S$1 (Very high)
Sign-up bonus
42,000 pts
Annual fee
S$0 (Average for Signature cards)
Est. annual rewards value
S$120 at S$20,000 spend (Below average)
Fee break-even
—
Sign-up bonus value
~S$252 (spend SGD1,000 from card account opening to the end of the following month (new HSBC cardholders; promotion 1 October to 31 December 2026)) (Average)
Application
#2
67Good
Citi Rewards Card
Rewards program
Citi ThankYou Rewards
Earn rate
10 pts per S$1 (Very high)
Sign-up bonus
40,000 pts
Annual fee
S$0 (Above average for Signature cards)
Est. annual rewards value
S$120 at S$20,000 spend (Below average)
Fee break-even
—
Sign-up bonus value
~S$240 (spend S$800 qualifying spend within 2 months of account opening (new Citi main cardmembers; promotion valid to 31 March 2027)) (Average)
Application
#3
65Good
Maybank Horizon Visa Signature Card
Rewards program
Maybank TREATS Points
Earn rate
7 pts per S$1 (Very high)
Sign-up bonus
—
Annual fee
S$196.20 (Above average for Signature cards)
Est. annual rewards value
S$360 at S$20,000 spend (Average)
Fee break-even
S$4,672 annual spend (Low spend required)
Sign-up bonus value
—
Application

Sources

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