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Finding the best Singapore credit card advantages is what you need to start making cards a great financial resource.
The main difference between the options lies in how the reward is delivered. There are cards that focus on unlimited cashback on all purchases. On the other hand, there are alternatives where you earn miles that do not expire.
This detailed article was created to serve as an objective guide.
We will present a clear analysis of the best Singapore credit card advantages options available in the market. We will detail the rewards, fees, and requirements of each one.
By the end of the reading, you will have all the information to evaluate which card fits your spending profile. Thus ensuring that you start reaping the Singapore credit card advantages immediately.
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The 07 Main Singapore Credit Card Advantages
1. UOB One Card
One of the most competitive cards in terms of reward per category, the UOB One Card offers high rewards of up to 10% cashback on spending with Grab, Shopee, SimplyGo, and McDonald’s.
In addition, you will get 8% at supermarkets and 4.33% on SP utility bills.
The maximum cashback a customer can receive is S$200 per quarter.
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To achieve the maximum return, it is mandatory to spend a minimum of S$600 per month in at least 10 transactions. And the cashback is credited quarterly, requiring consistency in spending.
The card also connects to the UOB One Account, where the balance can generate bonus interest of up to 5.3% per year for those who receive a salary and use the card.
In terms of security, it offers free travel protection, with coverage of up to S$500,000 when tickets are paid with it.
2. Citi PremierMiles Card (Singapore credit card advantages)
For those who prioritize air miles, the Citi PremierMiles Card stands out for its travel benefits and for accumulating miles that do not expire.
Customers accumulate 1.2 miles per S$1 spent locally and 2.2 miles per S$1 spent overseas, with the possibility of earning up to 10 miles per S$1 on flight or hotel bookings made through travel partners.
Annually, the card offers a renewal bonus of 10,000 miles.
Regarding comfort, the card includes two free visits per year to Priority Pass VIP lounges. In fact, he’s one of the best. credit card with lounge access Singapore.
Its travel insurance coverage is one of the highest on the market, reaching S$1,000,000.
3. Standard Chartered Simply Cash Card
The Standard Chartered Simply Cash Card attracts the public looking for simplicity and consistency. It will offer unlimited cashback of 1.5% on almost all purchases.
This, without the need to meet limits or spending category requirements, or even a minimum monthly spend.
Upon joining, the bank usually offers attractive promotions, such as 8% cashback and a fuel voucher.
Users can also benefit from fuel discounts of up to 27.91% at Caltex stations.
4. DBS Woman’s World Card
Focused on those who concentrate spending digitally, the DBS Woman’s World Card multiplies points on online purchases.
It grants 10x DBS Points, which is equivalent to 4 miles per S$1, on online purchases, limited to S$1,500 per month.
In addition, expenses made abroad yield 3x points, and other purchases 1x point.
You will also have online purchase protection, covering against fraud and loss.
The rewards program is flexible, allowing points to be exchanged for miles, statement credit, or vouchers.
5. OCBC FRANK Card (Singapore credit card advantages)
The OCBC FRANK Card focuses on digital and sustainable transactions.
It offers generous cashback of up to 8% on online purchases in Singapore dollars (SGD), contactless payments, and foreign currency spending.
As an incentive for sustainable consumption, you will get an extra 2% at ecological merchants.
The maximum monthly cashback that can be obtained is S$100, but this requires a minimum spend of S$800 per month.
Furthermore, the first two years of the annual fee are free, and in subsequent years, exemption is possible with an annual spend of S$10,000.
6. CIMB World Mastercard
One of the most notable Singapore credit card advantages offered by the CIMB World Mastercard is the lifetime free annual fee, eliminating a significant recurring cost.
This card focuses on a fixed and unlimited 2% cashback in eight lifestyle categories. You can choose from restaurants, bars and wines, online delivery, cinemas, digital entertainment, taxi/rideshare, motoring, and luxury goods.
Furthermore, there is no monthly or quarterly cap on cashback, allowing for a large return for those who spend a lot in these categories.
7. HSBC Live+ Credit Card (Singapore credit card advantages)
The HSBC Live+ Credit Card is like a lifestyle option with great returns on dining, shopping, and entertainment.
Promotionally, it offers 8% cashback in these categories during the first two quarters, stabilizing at 5% after that period.
Furthermore, it guarantees 5% cashback on petrol at Shell and Caltex stations.
Among the Singapore credit card advantages is access to 15% discounts at over 200 restaurants in Asia and travel insurance of up to S$1,000,000.
The annual fee is waived for the first year and can be waived in subsequent years with an annual spend of S$12,500.
The minimum income for locals is S$30,000, with higher values for self-employed and foreigners.
Table Summarizing the Main Singapore Credit Card Advantages
| Card (Issuer) | Maximum Return Value | Main Fees | Interest-Free Period | Minimum Income (Local) |
| UOB One Card (UOB) | Up to 10% cashback (Grab, Shopee, etc.) | Annual fee S$196.20; Interest 27.8% p.a. | 21 days | S$30,000 |
| Citi PremierMiles Card (Citibank) | 2.2 miles / S$1 overseas; Miles do not expire | Annual fee S$196.20; Interest 27.9% p.a. | 21 days (estimated) | S$30,000 |
| Standard Chartered Simply Cash Card (SC) | 1.5% unlimited cashback | Annual fee S$196.20 (waived 1st year) | ~20 days | S$30,000 |
| DBS Woman’s World Card (DBS) | 10x DBS Points (4 miles / S$1) online | Annual fee S$196.20 (waived 1st year); Interest 27.8% p.a. | 20–24 days | S$80,000 |
| OCBC FRANK Card (OCBC) | 8% cashback (online/contactless/FX) | Annual fee S$196.20 (waived first 2 years) | 23 days | S$30,000 |
| CIMB World Mastercard (CIMB) | 2% unlimited cashback in categories | Lifetime free annual fee; Interest 27.8% p.a. | 23 days | S$30,000 (assumed) |
Conclusion
The analysis of the 10 main cards makes it clear that the Singapore credit card advantages meet all needs, whether for those seeking direct rewards.
You will get cashback of up to 10% or unlimited 2% in specific categories — or for those who prioritize accumulating air miles that never expire, as with the Citi PremierMiles Card.
Furthermore, cards like the CIMB World Mastercard, with a lifetime free annual fee, and the OCBC FRANK, with a waiver for the first two years, reduce fixed costs, making card ownership even more advantageous.
With all the data and comparisons in hand, analyze your spending profile and select the option that generates the greatest benefit. Then access the bank’s website and start the application process to enjoy the Singapore credit card advantages that the market offers.