Singapore credit cards, read closely.
What each card earns, what it costs and what earns nothing, worked out from the bank's own terms. No affiliate links, no apply buttons. Written by Ethan on our product team.
Miles cards
Amex KrisFlyer Ascend card review: miles, status and the 10,000-mile voucher
How the Amex KrisFlyer Ascend card earns as at 1 Nov 2026: 1.2 and 2 KrisFlyer miles per $1, rounding, the S$397.85 fee and the renewal voucher.
Citi PremierMiles card review: why the currency decides your miles
How the Citi PremierMiles card earns as at 1 Nov 2026: 1.2 and 2.2 miles per $1, why SGD airline fares earn less, rounding, the S$196.20 fee and lounges.
Citi Rewards card review: 4 miles per $1, and what decides whether you get it
How the Citi Rewards card earns as at 1 Nov 2026: 4 miles per $1 online and on clothes, 0.4 elsewhere, the S$1,000 cap, rounding, instalments and expiry.
DBS Altitude card review: what 1.3 miles per $1 really adds up to
How the DBS Altitude card earns miles as at 1 Nov 2026: 1.3 and 2.2 miles per $1, rounding, the S$196.20 fee, lounge visits and what earns nothing.
DBS Woman's World card review: what 4 miles per $1 online really adds up to
How the DBS Woman's World card earns miles as at 1 Nov 2026: 4 miles per $1 online on the first S$1,000 a month, 1.2 overseas, rounding, expiry and fees.
HSBC Revolution card review: what tap or online 10X points add up to
How the HSBC Revolution card earns as at 1 Nov 2026: 10 points per $1 on tap and online spend, the $1,000 cap, KrisFlyer vs Asia Miles and what earns nothing.
HSBC TravelOne card review: where 2.4 miles per $1 can go, and where it's 2
How the HSBC TravelOne card earns as at 1 Nov 2026: 3X and 6X points, 1.2 and 2.4 miles per $1 (1.0 and 2.0 as KrisFlyer), 16 airline partners, fees and expiry.
OCBC 90°N card review: what 2.1 miles per $1 overseas adds up to
How the OCBC 90°N card earns miles as at 1 Nov 2026: 1.3 and 2.1 miles per $1, S$5 blocks, the S$196.20 fee, renewal miles, cashback and what earns nothing.
Standard Chartered Journey card review: what counts for 3 miles per $1
How the Standard Chartered Journey card earns miles as at 1 Nov 2026: 3, 2 and 1.2 miles per $1, what counts as online, the cap, fees and a worked year.
UOB Lady's Card review: 4 miles per $1 on the one category you pick
How the UOB Lady's Card earns as at 1 Nov 2026: 4 miles per $1 in one category, the $1,000 cap, rounding, fees, who can apply and what earns nothing.
UOB PRVI Miles card review: 1.4, 2.4 or 3 miles per $1, and how to tell which
How UOB PRVI Miles earns as at 1 Nov 2026: 1.4, 2.4 and 3 miles per $1, when baht earns 3, rounding, the S$261.60 fee, lounge visits and what earns nothing.
Cashback cards
Amex True Cashback card review: 1.5% on everything, if they take Amex
How the Amex True Cashback card pays as at 1 Nov 2026: 1.5% with no cap, rounding, the S$174.40 fee, what earns nothing and where Amex works.
Citi Cash Back card review: 8% on petrol, and how it sits with the pump discount
How the Citi Cash Back card pays as at 1 Nov 2026: 6% dining and groceries, 8% petrol and rides after S$800, the S$80 cap, pump discounts and payouts.
Citi Cash Back+ card review: 1.6% on almost everything, and nothing to remember
How the Citi Cash Back+ card pays as at 1 Nov 2026: 1.6% with no minimum or cap, redeeming it, the Citi Plus 0.4%, the S$196.20 fee and what earns nothing.
Citi SMRT card review: 5% on rides, groceries and online, after $500
How the Citi SMRT card pays as at 1 Nov 2026: 5% on SimplyGo rides, groceries, online and taxis after S$500, the SMRT$600 yearly cap, expiry and the fee.
DBS Live Fresh card review: what 6% on shopping and transport really adds up to
How the DBS Live Fresh card pays cashback as at 1 Nov 2026: 0.3% base, 6% on shopping and transport after S$800, the caps, rounding and what earns nothing.
HSBC Live+ card review: what 5% on dining, shopping and entertainment adds up to
How the HSBC Live+ card pays as at 1 Nov 2026: 5% on dining, shopping, entertainment and Shell or Caltex, the $600 monthly minimum and the $250 cap.
Maybank Family & Friends card review: picking 5 of 10 categories for up to 8% back
How the Maybank Family & Friends card pays: 6% or 8% on 5 categories you pick, the $800 minimum, $20 and $30 caps per category, fees and a worked year.
OCBC 365 card review: what 6% on the weekly shop really adds up to
How the OCBC 365 card pays cashback from 1 Nov 2026: 6% on dining, groceries, land transport and petrol after S$800, the S$160 cap, posting dates and fees.
OCBC INFINITY Cashback card review: what 1.6% on everything adds up to
How the OCBC INFINITY Cashback card pays as at 1 Nov 2026: 1.6% on local and overseas spend, no cap, the S$196.20 fee, surcharges and what earns nothing.
POSB Everyday card review: where the Daily$ come from, and when they arrive
How the POSB Everyday card pays Daily$ as at 1 Nov 2026: 5% Sheng Siong, 10% food delivery and SimplyGo after S$800, the Daily$20 caps and when rebates land.
Standard Chartered Simply Cash card review: what a flat 1.5% adds up to
How the Standard Chartered Simply Cash card pays 1.5% cashback as at 1 Nov 2026: per-purchase sums, big one-off buys, instalment plans, fees and a worked year.
Standard Chartered Smart card review: fast food, streaming and the $800 line
How the Standard Chartered Smart card pays as at 1 Nov 2026: 8% or 10% at fast food, streaming and bus/MRT, the $800 minimum, points that expire and fees.
Trust Freedom card review: four reward modes, and what each one adds up to
How the Trust Freedom card rewards as at 1 Nov 2026: 1.5% unlimited cashback, bonus, Stockback and Miles modes, the $1 minimum, no FX fee and a worked year.
UOB Absolute Cashback card review: where the 1.7% applies, and where it's 0.3%
How the UOB Absolute Cashback card pays as at 1 Nov 2026: 1.7% with no cap, the bills that earn 0.3%, insurance, the contactless bonus, fee and a worked year.
UOB EVOL card review: 10% on phone and online spend, and what counts as phone
How the UOB EVOL card pays as at 1 Nov 2026: 10% on local online and mobile wallet spend over S$800, the S$80 cap, no FX fee, no annual fee and what earns 0.3%.
UOB One card review: how $600, $1,000 and $2,000 a month really pay
How the UOB One Card pays as at 1 Nov 2026: S$60, S$100 or S$200 a quarter, the 10-purchase rule, extra cashback on Grab and groceries, and the fee.
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Your banks, cards, CPF and HDB flat, added up into one net worth. Statements sorted, card caps tracked, bills remembered.