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Singapore cards with cashback are not a luxury; in fact, they are necessary for anyone who wants to make smart financial decisions.
The search for the best Singapore cards with cashback is not easy, as options are divided between universal cards and category-specific cards, which require minimum spending to unlock high return rates in specific segments such as food or streaming.
With the aim of simplifying this decision, you will now see a straightforward guide. Here, you will find a comparison of the rates, fees, and benefits of each option. This way, you will know exactly which Singapore cards with cashback is right for your needs.
07 Main Options for Singapore cards with cashback
1. Standard Chartered Smart Card
This card focuses on rewarding spending in essential and digital leisure areas, offering a basic cashback of 0.5% on all expenses.
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Its differential is the elevated cashback, which can reach 8% or even 10% on public transport (SimplyGo), fast-foods like McDonald’s and KFC, Asian cafes, and streaming subscriptions (Netflix, Spotify, YouTube, Disney+). This is provided that monthly spending reaches S$800.00 or S$1,500.00 and meets the minimum income requirement of S$30,000.00.
2. Citi Cash Back+ Card (Singapore Cards with Cashback)
The Citi Cash Back+ Card stands out for its simplicity, being one of the most popular Singapore cards with cashback.
As a rule, it offers a fixed cashback of 1.6% on all eligible purchases, and the accumulated value never expires. The annual fee is S$196.20, which is waived in the first year.
3. UOB One Card
The UOB One Card is for those who can maintain a consistent spending pattern.
Initially, it offers a tiered basic cashback of 3.33%, but requires the customer to spend S$600.00 to S$2000.00.
4. Maybank XL Cashback Card (Singapore Cards with Cashback)
The Maybank XL is a good alternative among Singapore cards with cashback for those who travel frequently or concentrate expenses in specific areas.
It grants 5% cashback on flights, hotels, restaurants, online and in-person purchases, and foreign currency transactions, provided the customer spends between S$500.00 to S$1,600.00 per month.
This card is known for its coverage of foreign currency purchases, making it an interesting option for tourists and expatriates.
Its annual fee of S$87.20 is one of the lowest, with a waiver for the first two years.
5. DBS yuu Card
This card is linked to Singapore’s retail ecosystem, with a yuu points reward system, where 10 points are equivalent to about 5% rebate per S$1 spent at partners like Giant, Cold Storage, 7-Eleven, Foodpanda, and BreadTalk.
The appeal increases with a bonus of 26 points, which raises the total rebate to 18% when spending S$800.00.
Yuu points can be converted into cashback or KrisFlyer miles.
6. Mari Card
The Mari Card is a 100% digital and fee-free option.
It stands out for offering a universal cashback of 1.7% on all local expenses without requiring a minimum spend, plus 3% Shopee coins on purchases made on the platform.
For travelers, the card offers an attractive up to 4.5% cashback on overseas spending.
Cashback is credited instantly to the account after the transaction is posted.
7. Trust Cashback Card (Singapore Cards with Cashback)
The Trust Cashback Card, a result of a partnership between Standard Chartered Bank and the FairPrice retail group, is another digital bank without an annual fee that stands out for not charging fees on overseas purchases.
As a rule, it offers an immediate 1% cashback on all unlimited purchases. It also allows the customer to get up to 15% cashback in a chosen category, such as supermarket or dining (the actual value after meeting requirements is around 4% to 5%).
In addition to the waiver of international fees, the card allows unlimited free withdrawals at international ATMs.
Comparison of Singapore Cards with Cashback
| Card (Issuer) | Cashback and Main Requirements | Annual Fee/Main Fees | Payment Term* |
| Standard Chartered Smart Card | 0.5% universal; up to 10% on transport, fast-food, cafes, and streaming (spend ≥ S$1,500) | S$99.19/year (waived until 05/12/2025); foreign transaction fee 3.5% | 20–21 days |
| Citi Cash Back+ Card | Fixed 1.6% on all purchases, no minimum/limit | S$196.20/year (waived for 1st year); foreign transaction fee ~3% | ~21 days |
| OCBC 365 | Up to S$160/month; 6% on fuel, 5% on dining, 3% on supermarkets/streaming (minimum spend) | S$196.20/year (waived for first 2 years); foreign transaction fee 3% | 20–21 days |
| UOB One Card | 3.33% basic (monthly spend for 3 months); bonus up to 10% on Shopee/Grab | S$196.20/year (waived for 1st year); foreign transaction fee 3.25% | 21 days |
| Maybank Family & Friends Mastercard | 8% on 5 chosen categories (limit S$150/month, spend ≥ S$800) | S$196.20/year (waived for first 3 years); foreign transaction fee 3.25% | 20 days |
| Maybank XL Cashback Card | 5% on travel, restaurants, and shopping (spend S$500 to S$1,600/month) | S$87.20/year (waived for first 2 years); foreign transaction fee 3.25% | 20 days |
| DBS yuu Card | 10 yuu points per S$1 (5% rebate) at partners; bonus 18% rebate (spend ≥ S$800) | S$196.20/year (waived for 1st year); foreign transaction fee 3.25% | ~21 days |
| Mari Card | 1.7% universal local; 3% Shopee coins; up to 4.5% overseas; no limit/minimum | No annual fee; foreign transaction fee 3% (returned as cashback, zero effect) | 20 days |
| DCS Ultimate Platinum | 2% on all purchases up to S$10,000/month, no minimum spend | S$196.20/year (waived for 1st year); foreign transaction fee 3.25% | 20 days |
| Trust Cashback Card | 1% instant unlimited; up to 15% in chosen category (in practice 4–5%); 0% foreign transaction fee | No annual fee; no foreign transaction fee; free international ATM withdrawals | 20 days |
Conclusion
Choosing one of the Singapore cards with cashback means recognizing that these cards are necessary for smart financial planning.
Each option analyzed presents a balance between return, practicality, and cost, allowing the consumer to transform daily expenses into real savings.
Among the options, cards like the Mari Card and the Trust Cashback Card stand out for the absence of an annual fee and direct cashback. While the Standard Chartered Smart and UOB One combine high return rates with benefits in transport and consumption.
The choice will depend on spending profile and frequency of use, but all cards demonstrate that, with strategy, it is possible to transform credit into a financial ally.
In summary, the best card is one that generates continuous value, reduces costs, and contributes to more conscious financial decisions.
Didn’t this card’s advantages appeal to you? Then explore other options focused on benefits beyond cashback. Discover the main Singapore credit card advantages now.