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Moving to a new country requires you to face a number of financial challenges. And a good credit card for foreigners Singapore can help you adapt more.
Whether for work or study, a credit card for foreigners in Singapore is the right tool to manage day-to-day expenses, build a credit history, and enjoy several advantages.
In Singapore, credit cards for foreigners Singapore, with banks offering cards tailored to different spending habits. They have several benefits, from cash rewards for everyday purchases to miles for travelers.
In this article, you’ll learn all about each of the credit cards for foreigners Singapore, detailing the best options, eligibility requirements, and offering practical tips to help you make the most informed decision.
The Best Credit Cards for Foreigners in Singapore

Depending on how you plan to use your credit card, there are several competitors. Whether it’s for cashback, travel rewards, or a little bit of both.
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Singapore’s credit card market has something for everyone.
1. UOB ONE Card (Credit card for foreigners Singapore)
If you love saving on everyday purchases, the UOB ONE Card is exactly what you need.
This card offers up to 10% cashback on spending on popular categories such as public transport, Shopee and Grab purchases.
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The attraction of this card is the tier rewards, where you unlock higher cashback as you reach certain quarterly spending levels, with amounts ranging from S$600 to S$2,000 per month.
In addition, the UOB ONE Card offers additional benefits such as bonus interest on savings accounts,
2. OCBC INFINITY Cashback Card
The OCBC INFINITY Cashback Card stands out for its simplicity;
Ideal for those looking for 1.6% cashback on all purchases, without having to worry about spending categories or minimum monthly spending requirements.
The bank’s transparency allows you to receive your cashbacks automatically on the invoice. Thus, it eliminates any worries about wusl category of spending offers more advantages.
3. Standard Chartered Simply Cash Credit Card
For those looking for a credit card with unlimited cashback, the Standard Chartered Simply Cash Credit Card is an excellent option.
With 1.5% cashback on all purchases, without the need to categorize or optimize your spending, this card offers a simplicity.
Ideal for expats who want to get direct benefits from every transaction, Simply Cash offers an experience with no surprises.
So, no matter what you buy, you’ll get cashback without having to worry about spending targets or specific category requirements.
4. Citi PremierMiles Card (Credit card for foreigners Singapore)
If you’re in Singapore and travel frequently, the Citi PremierMiles Card will help you earn airline miles.
You will have 2.2 miles for every S$1 spent in foreign currency and 1.2 miles for every S$1 spent locally.
In addition, miles do not expire, allowing you to accumulate points for longer and use them whenever you want
The minimum income requirement of S$42,000 makes this card an affordable option for expats who want to maximize flight miles and still enjoy benefits on international travel.
5. Maybank Horizon Visa Signature Card
The Maybank Horizon Visa Signature Card is an option for frequent travelers, offering up to 2.8 miles per S$1 spent on airfare and international transactions.
In addition, the card guarantees 1.2 miles per S$1 on other purchases.
For expats who frequently travel, especially on international flights, this card is perfect for maximizing the benefits of each spending.
With the exemption from the annual fee for the first three years, the card offers great value for money for those who want to make the most of their trips.
6. HSBC Revolution Card (Credit card for foreigners Singapore)
If you are looking for benefits in both miles and cashback, the HSBC Revolution Card should be considered.
At first, you will earn 10 points for every S$1 spent on online purchases and contactless payments. Thus, you will quickly accumulate miles or cashback.
The HSBC Revolution Card does not require an annual fee for the first year, making it easy to get in.
The minimum required income of S$60,000 makes it accessible to higher-earning professionals.
7. DBS Live Fresh Card
The DBS Live Fresh Card is an excellent card for young expats or those who prioritize cashback on online shopping and public transportation.
That’s because you’ll have 6% cashback on these expenses, it’s perfect for those who shop online frequently or use public transportation like MRT and buses.
This card also offers the possibility of accumulating cashback in other categories, such as food and entertainment services, making it a versatile option for those with varying consumption patterns.
You must prove a minimum required income of S$45,000, the DBS Live Fresh Card, being a medium income.
8. OCBC 365 Credit Card (Credit card for foreigners Singapore)
If you’re looking for a credit card with cashback focused on everyday expenses, the OCBC 365 Credit Card is for you.
It offers 5% cashback on restaurants and food deliveries, 3% on supermarkets and transportation, and 1% on all other purchases.
Cashback has a monthly limit of S$80, which is still an excellent return for maximizing your rewards on everyday spending.
The annual fee waiver for the first two years makes it an even more attractive option.
9. Citi Rewards Card
For expats who love shopping online or in department stores, the Citi Rewards Card offers 10x points in these categories, allowing you to accumulate reward points.
These points can be converted into airline miles or cashback, offering good flexibility to the holder.
Additionally, the minimum required income of S$42,000 makes it an affordable option for expats with moderate incomes.
What do you need to know before choosing?

most banks in Singapore have similar criteria, but they can vary depending on the bank. Here are the standard requirements:
- Age: You must be at least 21 years old to apply for most credit cards in Singapore.
- Income: The income requirement is one of the most critical factors. Here is a general guide to the minimum annual income you will need for different banks:
- S$ 40,000 : HSBCS$ 42.000 : Citibank
- S$ 45.000 : DBS, OCBC
- S$ 60.000 : Maybank, Standard Chartered, Banco da China, Trust Bank
- Documents: You will need to provide:
- A valid passport (with at least 6 months of validity);
- A valid work visa;
- Proof of income (recent payslips or tax documents);
- Proof of address in Singapore.
Once you’ve gathered your documents and ensured that you meet the income requirements, you’ll be ready to explore the options available.
Conclusion
So, what is the best credit card for foreigners in Singapore?
This depends entirely on your financial goals. If you regularly spend on grocery shopping, transportation, and everyday items, a cashback card like UOB ONE or OCBC INFINITY is a great option.
For frequent travelers, Citi PremierMiles and Maybank Horizon offer substantial rewards.
And if you’re just starting out, cards like DBS Live Fresh or OCBC 365 cater to more specific needs.
Want to arrive in Singapore with a fast approval card? In that case, you should know the best options for credit card instant approval in Singapore.