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Credit card with cashback Singapore is one of the best alternatives to save on a daily basis. But, is it the most suitable for your case?
Obviously, this is a card suitable for those who want to spend and receive a part of the money back. However, the credit card with cashback Singapore offers more than just cashback.
In Singapore, the cost of living is high, every coffee or taxi ride is heavy on the pocket, and no one wants to pass up the chance to “get change” after having already paid.
However, as already said, it does not offer just that.
And in this article we will help you understand everything this card has to offer. So that you can decide which of the credit card with cashback Singapore pays.
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How to evaluate a credit card with cashback?
Not every card is the same. In fact, some hide more pranks than benefits. So, before the ranking, it is important to know what to analyze.
Many only look at the cashback percentage and forget about the fixed cost. The annuity is a cost that should always be analyzed. In addition to knowing the main rates.
Furthermore, it is important to know the bank’s reputation. This is because, when there is a problem, the financial institution must be able to quickly resolve the issue.
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Ranking of the best cashback cards in Singapore
1. UOB Absolute Cashback Card (Credit Card with Cashback Singapore)
UOB Absolute Cashback returns 1.7% on all purchases, with no limit or category.
Therefore, you don’t need to memorize rules or spend in specific places. He bought, received cashback.
The downside is the annual fee of S$192.60 (free for the first year) and the interest of almost 27%, which can weigh you down if you delay the invoice.
2. Citi Cash Back+ Card
Citi Cash Back+, today, returns 1.6% on all purchases, also with no ceiling or minimum spend.
The interesting thing is Citibank‘s reputation, which is considered great in the market. The reason for this is its service that stands out.
The annual fee is S$196.20, free for the first year.
Interest rates are average (27.9%) and the 25-day interest-free term is longer than most.
In this way, this card serves well for those who want guaranteed cashback on any purchase, without having to control categories.
It may not be the highest cashback on the market, but it makes up for it for consistency.
3. OCBC FRANK Card
OCBC FRANK is for those who spend online. It offers up to 8% cashback on digital and contactless purchases, but only up to the monthly limit.
Outside this ceiling, the return drops to 0.3%, which is very low.
The annual fee is S$196.20, free for the first two years, which helps a lot. The interest is 27.78%, with a term of 23 days without interest.
In principle, this card is ideal for young people who buy a lot over the internet and use digital payments on a daily basis.
Therefore, if you concentrate spending on delivery apps, streaming and virtual shopping malls, you should undoubtedly consider this option.
4. UOB EVOL Card
UOB EVOL focuses on the digital audience, with up to 10% cashback on online and mobile contactless purchases.
However, there are some restrictions. First, it must have a minimum spend of S$600/month and has a limit per category of S$20. Outside of that, it falls to 0.3%.
The annual fee is S$196.20, but it can be exempt if you make three monthly purchases. In fact, this is one of the best credit card Siingapore 2025.
5. UOB One Card (Credit Card with Cashback Singapore)
UOB One works on a tiered system.
At first, for those who spend S$2,000/month for three months in a row, cashback reaches 10% on utilities, Grab, SimplyGo, streaming and partner stores.
Now, those who spend less, from S$500 to S$1,000, approximately, can receive 3.33% or 5%.
The annual fee is S$196.20, free for the first year.
In general, this card is good for families or people with high and predictable fixed expenses.
6. Standard Chartered Smart Credit Card
The Smart Credit Card is flexible. It gives 2.5% cashback on all purchases.
However, it can reach 6% in online/contactless and up to 10% in transport and travel, according to promotions. The best thing is that it does not require minimum spending.
The annual fee is S$99.19, with the first year free. Interest rates are 27.9%, with 22 days without interest.
In this way, it is clear that this card is valid for those who want a decent cashback without having to reach monthly goals.
7. Maybank Family & Friends Card
Maybank Family & Friends offers 8% cashback in up to 5 chosen categories (supermarkets, restaurants, gasoline, telecommunications, among others).
You need to spend at least S$800/month. Outside of that, it falls to 0.3%.
The annual fee is S$196.20, but additional cards are free.
Interest rates are 27.9%, with a 20-day interest-free term.
The focus of this product is on the family, which already has a higher spending pattern, which will help you to be able to enjoy the 8% cashback fully.
8. DBS yuu Visa Card
The DBS yuu Visa is made for those who spend heavily in supermarkets.
That’s because it can give up to 18% cashback (in yuu points) on chains like FairPrice, Cold Storage and Giant.
Other purchases yield 0.5% to 5%.
The annual fee is S$196.20, free for the first year.
This is a specific option. It is not suitable for those who have very varied expenses, but for those who make large weekly purchases, it can be excellent.
9. Amex True Cashback Card (Credit Card with Cashback Singapore)
Amex True Cashback returns 1.5% on all purchases, with no limit.
In addition, it offers 3% for the first six months, up to S$5,000 of spending.
This card is suitable for those who do not like complications. There is no ceiling, there is no minimum spending requirement. You spend and receive guaranteed cashback.
Conclusion
Cashback has become part of the routine in Singapore because it delivers fast and tangible returns.
Among so many options, there is no “the best card”, but the best for your profile.
Those who live online may love UOB EVOL, large families who spend a lot at the grocery store will prefer DBS yuu, and those who like absolute simplicity should feel right at home with Citi Cash Back+.
In the end, the secret is balance. If you choose carefully and pay the bill on time, you will turn each purchase into a financial relief.