Best card by category
For each category: the three cards that return the most on a typical month — the category spend shown, with S$1,000 in total going on the card. Different numbers can change the order; each page has a calculator.
| Category | Monthly spend | Top cards (cash back a month) |
|---|---|---|
| Dining | S$400 | Citi Cash Back Card — S$24; DBS Chromo Card — S$20; HSBC Live+ Credit Card — S$20 |
| Groceries | S$400 | UOB One Card — S$24.01; Citi Cash Back Card — S$24; CIMB Visa Signature — S$20 |
| Online shopping | S$300 | UOB EVOL Card — S$30; CIMB Visa Signature — S$20; Citi SMRT Card — S$15 |
| Transport | S$150 | POSB Everyday Card — S$15; UOB One Card — S$12.50; Standard Chartered Smart Credit Card — S$12 |
| Petrol | S$250 | Citi Cash Back Card — S$20; OCBC 365 Credit Card — S$15; UOB One Card — S$8.40 |
UOB One, POSB Everyday, OCBC 365 and UOB EVOL: the short version
The cards people search for most, in a few lines each; the full terms and exclusions are on the bank pages.
UOB One Card
Pays a fixed amount each quarter for keeping your spend in a tier every month — about 3.3% at the bottom of each tier — plus extra cashback on SimplyGo, supermarkets, Grab, McDonald's and Shopee. It rewards steady spending of at least S$600 a month, not big one-off purchases.
Min spend: S$600 a month · cap: S$120 a month on the bonus · annual fee: S$196.20. UOB One: full terms and FAQ
POSB Everyday Card
Pays mostly at named places: 10% on SimplyGo, food delivery and in-store ringgit spend, and 5% on dining and listed online stores, above S$800 a month — each capped at S$20. It also pays 5% at Sheng Siong and 6% at SPC with no minimum at all.
Min spend: S$800 a month · cap: no overall cap · annual fee: S$196.20. POSB Everyday: full terms and FAQ
OCBC 365 Credit Card
A broad everyday card: high rates on dining, petrol, groceries and land transport once you spend S$800 a month, with one overall cap. From 1 November 2026 all four categories pay 6%.
Min spend: S$800 a month · cap: S$80 a month (S$160 from S$1,600 of spend) · annual fee: S$196.20. OCBC 365: full terms and FAQ
UOB EVOL Card
10% on online spend and on phone-wallet payments in Singapore, and on selected gyms, telcos and streaming, once you spend S$800 a statement month. No annual fee and no foreign-currency fee.
Min spend: S$800 a month · cap: S$80 a month · annual fee: none. UOB EVOL: full terms and FAQ
All 21 cards at a glance
Top rates are the highest the card pays, before conditions. Min spend is what the card needs to see in a month before the bonus rates apply; cap is the most cash back the card pays in a month.
| Card | Top rates | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| POSB Everyday Card | 10% Online food delivery · 10% SimplyGo (bus and MRT) · 10% In-store spend in Malaysian ringgit | S$800 a month | no overall cap | S$196.20 |
| DBS yuu Card | 18% yuu supermarkets · 18% Guardian · 18% foodpanda, pandamart, CHAGEE app | S$800 a month | S$144 a month on the bonus | S$196.20 |
| DBS Chromo Card | 5% Dining · 5% Wellness (supermarkets, pharmacies, beauty) · 5% Shopping (department stores, apparel, electronics, marketplaces) | S$500 a month | S$150 a month | S$196.20 |
| OCBC 365 Credit Card | 6% Petrol (any station) · 5% Dining (restaurants, bars, food delivery apps) · 3% Groceries (supermarkets, in store and online) | S$800 a month | S$80 a month (S$160 from S$1,600 of spend) | S$196.20 |
| OCBC INFINITY Cashback Card | 1.6% on everything | none | no overall cap | S$196.20 |
| UOB One Card | 6.67% SimplyGo (bus and MRT), extra on top of the quarterly cashback · 5% Grab (rides and GrabFood) · 5% McDonald's | S$600 a month | S$120 a month on the bonus | S$196.20 |
| UOB EVOL Card | 10% Online spend in Singapore · 10% Mobile contactless in Singapore (Apple Pay, Google Pay, Samsung Pay) · 10% Selected gyms, telcos and streaming | S$800 a month | S$80 a month | none |
| UOB Absolute Cashback Card | 0.3% Pharmacies and medical services (reduced rate) · 0.3% Utilities (reduced rate) · 0.3% Education, government, tax, charities, rent, vets, Grab wallet top-ups (reduced rate) | none | no overall cap | S$196.20 |
| Citi Cash Back Card | 8% Petrol, worldwide · 8% Private commute: taxis and ride-hailing (Grab, Gojek) · 6% Dining, worldwide | S$800 a month | S$80 a month | S$196.20 |
| Citi Cash Back+ Card | 1.6% on everything | none | no overall cap | S$196.20 |
| Citi SMRT Card | 5% Supermarkets · 5% Online spend (excluding mobile wallets and travel) · 5% SimplyGo bus and MRT, taxis and ride-hailing | S$500 a month | SMRT$600 per 12 months | S$196.20 |
| Citi M1 Card | 5% Entertainment: cinemas, ticketing and streaming · 3% M1 bill · 3% M1 Shop | none | no overall cap | S$196.20 |
| HSBC Live+ Credit Card | 5% Dining (restaurants, cafés, bakeries, fast food; not hotel dining) · 5% Shopping (department stores, apparel, marketplaces) · 5% Entertainment (cinemas, streaming) | S$600 a month | S$250 a quarter | S$196.20 |
| HSBC Advance Credit Card | 1.5% on everything | none | S$70 a month | S$196.20 |
| Standard Chartered Simply Cash Credit Card | 1.5% on everything | none | no overall cap | S$196.20 |
| Standard Chartered Smart Credit Card | 10% Bus and MRT via SimplyGo · 8% Fast food and coffee chains · 8% Streaming | S$800 a month | no overall cap | S$99.19 |
| Trust Freedom credit card (formerly Trust Cashback Card) | 0.5% Foreign-currency spend | none | no overall cap | none |
| American Express True Cashback Card | 1.5% on everything | none | no overall cap | S$174.40 |
| CIMB Visa Signature | 10% Online shopping (apparel, shoes, electronics, department stores; Amazon, Shopee, Apple and others) · 10% Groceries (supermarkets, including online) · 10% Beauty and wellness (pharmacies, personal care, salons, spas) | S$800 a month | S$100 a month on the bonus | none |
| CIMB World Mastercard | 2% Wine and dine, online food delivery · 2% Movies and digital entertainment · 2% Taxis and automobile | S$500 a month | no overall cap | none |
| CIMB Visa Infinite | 2% Travel (airlines, hotels, travel agencies) and overseas or foreign-currency spend | S$2,000 a month | no overall cap | none |
Cards with no minimum spend
If you'd rather not track minimums and caps, a flat-rate card pays the same on almost everything:
- UOB Absolute Cashback Card — 1.7% on eligible spend, no cap.
- OCBC INFINITY Cashback Card — 1.6% on eligible spend, no cap.
- Citi Cash Back+ Card — 1.6% on eligible spend, no cap.
- HSBC Advance Credit Card — 1.5% on eligible spend, capped at S$70 a month.
- Standard Chartered Simply Cash Credit Card — 1.5% on eligible spend, no cap.
- Trust Freedom credit card (formerly Trust Cashback Card) — 1.5% on eligible spend, no cap.
- American Express True Cashback Card — 1.5% on eligible spend, no cap.
Cards by bank
- DBS / POSB cashback cards: POSB Everyday, DBS yuu, DBS Chromo, DBS Live Fresh (closed to new applicants)
- OCBC cashback cards: OCBC 365, OCBC INFINITY Cashback
- UOB cashback cards: UOB One, UOB EVOL, UOB Absolute Cashback
- Citi cashback cards: Citi Cash Back, Citi Cash Back+, Citi SMRT, Citi M1
- HSBC cashback cards: HSBC Live+, HSBC Advance
- Standard Chartered cashback cards: SC Simply Cash, SC Smart
- Trust Bank cashback cards: Trust Freedom
- American Express cashback cards: Amex True Cashback
- CIMB cashback cards: CIMB Visa Signature, CIMB World Mastercard, CIMB Visa Infinite
How we compare
- Only the banks' own product pages and card terms are used — no comparison sites, no figures from memory. A card whose terms we couldn't open is left out rather than guessed.
- Standard rates only: sign-up gifts and time-limited promotions are not counted.
- The calculators take the best rate whose minimum spend you meet; spend above a cap earns nothing; the rest of your card spend earns the base rate and uses up its share of an overall cap.
- Every card is re-checked on the 1st of each month. If a check is overdue, the page says so at the top.
Questions and answers
What is the best cashback credit card in Singapore?
There isn't one for everybody: the cards that pay the most — 6% to 10% — pay it only in a few categories, only above a minimum monthly spend, and only up to a cap of a few dozen dollars a month. Work out where most of your money goes, then use the calculators on the category pages with your own numbers. If your spending is spread thinly, a flat-rate card with no minimum spend is often the simpler winner.
Which cashback credit cards in Singapore have no minimum spend?
The flat-rate cards: UOB Absolute Cashback Card (1.7%), OCBC INFINITY Cashback Card (1.6%), Citi Cash Back+ Card (1.6%), HSBC Advance Credit Card (1.5%, capped at S$70 a month), Standard Chartered Simply Cash Credit Card (1.5%), Trust Freedom credit card (formerly Trust Cashback Card) (1.5%), American Express True Cashback Card (1.5%). They pay the same rate on almost all eligible spend from the first dollar — less than the category cards at their best, but with nothing to track.
Why does the minimum spend matter so much?
Most high-rate cards pay their bonus only if the card's total eligible spend for the month (or statement month) reaches a threshold, typically S$500–S$800. Miss it by a dollar and the bonus drops to the base rate, often 0.3% or less. Count only spend the bank counts as eligible — payments the card's terms exclude don't help you reach the minimum.
What usually doesn't earn cash back?
Each bank publishes its own exclusion list, but the usual suspects are similar: payments to government bodies, insurance premiums, education, utilities and bill payments through banking apps, top-ups of e-wallets, charitable donations, balance and fund transfers, cash advances, interest and fees. The exclusions for each card are listed on its bank page here.
Should I hold more than one cashback card?
Two cards often beat one: one high-rate card for the category where you spend the most, up to its cap, and a flat-rate card for everything else. Splitting spend across more cards makes each minimum harder to reach, so check your totals before adding a third.
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.