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Do you want a good credit card but are in doubt about the best option? Discover the best credit cards Singapore 2025 and find the card that is right for you.
It is no exaggeration to say that choosing the wrong card can be costly. High interest rates, annuities that don’t pay off and benefits that don’t fit your style of view.. That’s why we’ll help you find the right option. Detailing all the points of attention in each of the best credit card Singapore 2025.
Choosing the best credit card Singapore 2025 is not about which one draws the most attention for marketing, but which one aligns with your reality. After all, credit card is a tool. And it must be used in the right way.
Top credit card Singapore 2025
1. UOB One Card (Best credit card Singapore 2025)
The UOB One Card is one of the most popular in Singapore, especially for those looking for cashback on everyday purchases.
This is because the card offers up to 10% return in categories used in everyday life, such as transportation (Grab and SimplyGo), fast food (McDonald’s), e-commerce (Shopee).
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However, to reach the maximum percentages. The holder must maintain a minimum monthly spend. Therefore, you must plan to take full advantage of the benefit.
The annual fee is S$196.20, but the first year is exempt. The payment term follows the standard of 21 days without interest. As long as the invoice is paid in full.
And the reputation? According to reviews on Seedly, it received 4.1 out of 5.0. Users praise the financial return in the specific categories. However, they point out as a disadvantage the need to achieve high fixed expenses so as not to “lose” part of the benefit.
2. OCBC 365 Credit Card
The OCBC 365 Credit Card is also a cashback card aimed at families and organized consumers. Your cashback works as follows:
- 6% in fuel;
- 5% on meals (including local and international restaurants);
- 3% on online purchases and streaming services.
The difference is that cashback covers several essential areas. However, there is a condition, the holder needs to spend at least S$ 800 per month to unlock the maximum percentages.
The annual fee is S$ 196.20, being exempt for the first two years, and the interest-free payment period is 23 days.
3. Standard Chartered Simply Cash Card (Best credit card Singapore 2025)
The Standard Chartered Simply Cash Card is a card that appeals with the slogan “no hassle”.
Unlike most competitors, it does not require a minimum spend or impose monthly cashback limits.
Basically, the holder receives a fixed percentage of 1.5% on all purchases, regardless of category.
The annual fee is S$ 196.20 (exempt in the first year). Interest is around 27.9% per year, and the interest-free period is 22 days. The card also charges a fine of S$ 100 in case of delay.
4. DBS Altitude Visa Signature
The DBS Altitude Visa Signature is suitable for frequent travelers and offers miles that never expire.
It allows you to earn up to 10 miles per S$1 spent on airline ticket and hotel bookings online, making it extremely attractive for those planning international trips.
For everyday purchases, the accrual is 1.2 miles per S$1 local and 2 miles per S$1 in foreign currency. Did this card catch your eye? Then get to know all the DBS altitude Visa Signature benefits
5. Citi PremierMiles Card
The Citi PremierMiles Card is another card aimed at travelers. However, it is more versatile than the DBS Altitude.
That’s because it offers 1.2 miles per S$1 spent in local currency and 2.2 miles per S$1 in foreign currency. In addition to allowing transfers to various partner loyalty programs.
In fact, on this card, the miles do not expire, which guarantees freedom to accumulate over time without haste.
5. UOB FIRST Miles Card (Best credit card Singapore 2025)
The UOB PRVI Miles Card is known as one of the most generous in terms of accumulating points. In it, it guarantees up to 6 miles for every S$ 1 spent on airline tickets and hotels booked directly with partner companies or platforms.
The annual fee is S$261.60, higher than the average. Although, there is an exemption in the first year.
6. KrisFlyer UOB Credit Card
The KrisFlyer UOB Credit Card was created in partnership with Singapore Airlines. Obviously, its advantages are for travelers who frequently fly with the company or its subsidiaries (Scoot, SilkAir and even the KrisShop store).
The card offers 3 miles for every $1 spent directly with Singapore Airlines and affiliates. Plus 1.2 miles for $1 in everyday purchases.
The membership bonus can reach 10,000 miles on the renewal of the annual fee of S$ 196.20 (exempt in the first year).
The interest-free repayment term is 21 days, and the annual interest is around 27–28%.
7. Maybank Horizon Visa Signature (Best credit card Singapore 2025)
The Maybank Horizon Visa Signature is a less popular card, but one that is quite balanced.
It offers up to 3.2 miles per S$1 spent on dining and travel. You’ll also earn 2.8 miles abroad and 1.2 miles on common local purchases.
The annual fee is S$ 196.20, but will be exempt for the first three years.
What is the ideal card for each profile?
After all, does it require the most suitable card for everyone? The simple and straightforward answer is no. It all depends on your moment in life.
For example, if it is a young person, who is still starting, the UOB EVOL is more suitable. Now, for structured families, OCBC 365 can better meet their needs.
Travelers will take advantage of DBS Altitude or Citi PremierMiles, which allow them to earn miles with no expiration date.
Finally, if you’re the uncomplicated type who doesn’t want to manage spending categories, Standard Chartered Simply Cash is the obvious choice.
Conclusion
Thus, it is clear that the best credit card Singapore 2025 is not the same for everyone, because everyone’s needs are different.
What works for an executive who lives in airports is not good for a family that concentrates on fuel and supermarket expenses.
At the end of the day, a credit card is not just about fees, miles or cashback. It’s about how it fits into your daily life without becoming a burden.
And remember that as tempting as it is to spend, don’t forget to pay on time, respect the limit and let the card work in your favor.