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Today, we will learn about the main credit cards for low income Singapore to help you who are going through difficulty or starting your financial life.
That way, you can get an excellent credit cards for low income Singapore that, even though it is suitable for those with low incomes, offers great benefits that make your life easier.
It may seem challenging, but believe me, there are interesting credit card options for low income Singapore that offer great returns, such as cashback and other advantages. Let’s go!
Best credit cards for low income Singapore

1. UOB One Card
The UOB One Card is a good choice for those looking to maximize cashback on everyday purchases.
In it, there will be 10% cashback on selected partners and up to 3.33% on other expenses, such as online shopping and public transport.
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With an annual fee of S$194.40, the fee can be waived with a minimum annual spend, which makes it affordable for those who have a good shopping discipline.
Ideal for those who love to save on small expenses, the card also offers a grace period of up to 21 days, allowing for more flexibility in paying the bill.
2. DBS Live Fresh Card (Credit cards for low income Singapore)
The DBS Live Fresh Card stands out among the cards for those looking for sustainable and advantageous benefits.
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With up to 6% cashback on online purchases and in eco-friendly establishments, this card is perfect for you who value conscious consumption.
In addition, it offers unlimited 0.3% cashback on all other transactions.
The annual fee of S$194.40 can be waived if the annual expenditure reaches S$10,000, making it affordable for those with a regular consumption profile.
3. OCBC 365 Credit Card
For those who spend a lot on food and transportation, the OCBC 365 Credit Card is an incredible choice. At first, it will have:
- 6% cashback on daily meals and food deliveries;
- 3% on grocery purchases;
- 23% in fuel.
With these benefits focused on essential spending, it becomes an excellent ally for those looking for a credit card for low income Singapore
The annual fee is S$194.40 and can be waived with an annual spend of S$10,000. Making the card affordable for those who make regular purchases.
Because it has so much cashback, this is one of the main credit card with cashback Singapore
4. Standard Chartered Simply Cash Credit Card
The Standard Chartered Simply Cash Credit Card is an ideal choice for those who prefer simple cashback.
The reason is that you will have 1.5% cashback on all purchases, without the need to categorize expenses or reach a minimum amount.
The annual fee of S$194.40 is exempt for the first year, making it even more attractive for those who are just starting to use credit cards or want a card with no annual fees for the first few months.
5. HSBC Revolution Card (Credit cards for low income Singapore)
The HSBC Revolution Card is perfect for those who do a lot of online shopping.
You can get 10 times more points on online purchases and contactless payments, which is ideal for those who love to shop online.
In addition, the card does not charge an annual fee,
6. UOB Absolute Cashback Card
With the UOB Absolute Cashback Card, you are guaranteed 1.7% cashback on all purchases. Without having to worry about categories or limits.
The annual fee of S$194.40 may be a bit higher, but the convenience of an unrestricted cashback is what appeals to many consumers.
In this way, UOB Absolute is ideal for those who don’t want to worry about complicated rules or categories and are looking for a guaranteed return. For those who want simplicity, this is the perfect card.
7. Citi SMRT Card
If you are a frequent user of public transport, know that the Citi SMRT Card will offer you 5% cashback on subway and bus trips using the SimplyGo function. In addition to up to 5% in grocery and online purchases.
With an annual fee of S$194.40, the cost can be waived if you reach a minimum annual spend.
8. POSB Everyday Card
The POSB Everyday Card is for those looking for discount. And cashback in various categories, such as food, gasoline and online shopping. The reason is that it will have:
- Up to 10% discount on meals and food deliveries;
- 8% on gasoline (at SPC stations).
The S$194.40 annuity can be waived for the first year, making it even more affordable.
So, if you’re looking for a card that covers a wide range of shopping categories and still offers discounts, the POSB Everyday Card is a smart and economical choice for your daily life.
9. Maybank Family & Friends Card (Credit cards for low income Singapore)
The Maybank Family & Friends Card allows you to choose up to 5 spending categories to receive up to 8% cashback.
This customization is a
attractive, as they can tailor the benefits to their personal needs, such as food, transportation, or entertainment.
The annual fee of S$180 is exempt for the first year. Which makes it easy to access this card at no extra cost right from the start.
10. OCBC FRANK Credit Card

The OCBC FRANK Credit Card is focused on the young generation, offering up to 8% cashback on online and overseas purchases.
Its modern design and benefits aimed at a younger audience make it ideal for those looking for a bold and efficient card.
The annual fee of S$80 is very affordable, with exemption for the first two years. Which makes it easy to adapt to the card without initial costs.
Conclusion (Credit cards for low income Singapore)
Choosing the ideal low-income Singapore credit card doesn’t have to be a challenge.
With the variety of options available, you can find a card that meets your consumption needs and still brings great benefits.
If you’re looking for cashback on everyday purchases, public transportation, or food. Options like the UOB One Card or OCBC 365 Credit Card may be ideal.
And if the idea is to enjoy quick rewards with a hassle-free card, Standard Chartered Simply Cash stands out as a simple and efficient choice.
Don’t forget to check the annual fee exemption and the conditions of each card. So that the choice is really advantageous. After all, with the right card, you can maximize your finances and make your day-to-day life simpler and more economical.