In today's dynamic world of personal finance, selecting the right card has become an essential skill. With a myriad of options available, each promising unique benefits and rewards, navigating this landscape can be overwhelming. Before diving into specific credit card reviews, it can also help to understand the differences between various card types, such as charge cards vs credit cards.
That's why we've gathered all our comprehensive credit card reviews in one place, offering you a curated resource to aid in your decision-making process. Whether you're a seasoned traveller, a cashback enthusiast, or simply seeking to build your credit, our collection of reviews will empower you to make informed choices that align with your financial goals.
In our credit card reviews, delve into the intricacies of credit card offerings, dissecting features, fees, rewards, and everything in between. We've done the dirty work so you don't have to.
[ms-toc title="The ultimate list of credit card reviews (2026)"]
Credit card reviews—Miles cards
Card | Description |
An entry-level miles card that lets you earn air miles which are then credited directly to your KrisFlyer account. | |
Specially for business owners, this miles card earns you up to 8.5 HighFlyer points on Singapore Airlines Group expenses. | |
An entry-level miles card for the casual miles chaser. | |
An air miles card that lets you earn air miles at a standard rate of $1 = 1.2 miles (local) and $1 = 2 miles (overseas), plus $1 = 3 miles (or more) on online flight and hotel bookings. | |
An entry-level, general spending miles card that gets you 2.4 miles per S$1 foreign spend, 1.2 miles per S$1 local spend, and a good range of travel benefits. | |
An entry-level miles card with an earn rate of up to 3.2 miles for every dollar spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon. | |
Maybank XL Card (miles version) | An entry-level miles card that rewards you 4 miles per dollar on dining, shopping, travel, entertainment and more. |
Both Visa and Mastercard versions get you 1.3 miles per dollar on local spend and 2.1 miles per $1 on overseas spend. | |
An ultra-premium miles credit card offering up to 8 miles per $1, unlimited lounge access, and luxury travel privileges—for high-income, high-spending travellers. | |
An entry-level rewards card with extra earn rates for online transport, food delivery and grocery transactions. | |
A mid-level rewards card that earns you up to 3 miles per dollar on foreign spend and 1.4 mpd on local spend—including on your income tax payments. | |
An air miles credit card that lets you earn KrisFlyer miles when you spend on it. | |
A rewards card that lets you earn 4 miles per $1 on most of your daily expenses, both online and offline. | |
An entry-level air miles card that lets you earn UNI$, UOB’s rewards points. | |
A miles-focused credit card that earns up to 4 miles per $1 on overseas, petrol, and contactless spend. |
ALSO READ: Charge vs Credit Card Comparison: Key Differences, Fees, and Best Picks in Singapore
Credit card reviews—Rewards and cashback cards
Card | Description |
An ultra-premium metal charge card for high spenders, offering up to 20 Membership Rewards points per $1.60 at key partners, unlimited lounge access, elite hotel status, and luxury lifestyle credits. | |
A premium rewards card that earns up to 10 Membership Rewards points per $1.60 on select categories, plus exclusive dining perks and limited lounge access at a lower annual fee. | |
A low-effort unlimited cashback card that gives you 1.5% cashback on virtually anything you spend. | |
A rewards credit card that lets you earn DBS Points at a standard rate of $5 = 1 DBS Point (2 miles) | |
A cashback card that offers up to 5% cash rebate on online and Visa contactless spend | |
Two levels of rewards cards that dole out rewards points when you shop online or make other purchases. You don’t have to be a woman to apply. | |
A rewards card that offers up to 18% cash rebate or 10 miles per dollar at selected merchants. | |
A cashback card that gives you up to 5% cash rebate on all eligible transactions. | |
An entry-level cashback card offering 2% cashback (capped at $200/month) with $0 minimum spend. | |
An entry-level card that gives you 10% cashback for local and overseas transactions in the following categories; no annual fee. | |
A cashback card that offers unlimited cashback of up to 2% when you spend money on dining, online food delivery, movies, digital entertainment, taxi rides, ride-hailing, automobile, and luxury goods. | |
One of the most eye-catching cashback cards in Singapore promising up to 8% cash rebate on everyday spending categories. | |
An unlimited cashback card offering 1.6% cashback on all purchases; not to be confused with the one above. | |
The card lets you earn Citi Rewards points (which can also be exchanged for miles) when you shop online and offline, take Grab or Gojek rides or spend on online food or grocery delivery. | |
A luxury, by-invite only credit card for ultra-high net worth clients, offering bespoke privileges and exclusive benefits. | |
A cashback card with no interest, no minimum income requirement, and instant cashback of up to $3 per transaction. | |
A cashback card that doles out cashback based on the amount you spend that month, not on the specific categories you spend on. | |
A rewards card that gives you 10X Reward points (4 miles or 2.5% Cashback) on online purchases and contactless payments with no minimum spend requirement. | |
A cashback card that offers a 5% cash rebate on dining, groceries, and fuel. | |
A zero FX cashback card that earns you 1.5% Shopee Coins on Shopee spend, plus 1.5% cashback on both overseas and local card spend. | |
A cashback card that offers up to 8% cash back globally on 5 preferred cashback categories. | |
Maybank XL Card (cashback version) | An entry-level cashback card that rewards you with 5% cashback on dining, shopping, travel, entertainment and more. |
A cashback card that gives you 6% cashback on online shopping. | |
An unlimited cashback card that earns you 1.6% cashback on almost all spend categories, with a fuss-free cashback mechanism that automatically offsets your bill each month. | |
A cashback credit card that rewards you with 3% to 6% cashback on dining, online travel, groceries, telco bills, petrol, and more. | |
A cashback card with key bonus rebates for Sheng Siong and Redmart, where you can earn 5% and 8% cashback respectively. | |
A rewards card with a maximum earn rate of 10X rewards points, only applicable for foreign currency spending on overseas retail, dining and travel. | |
A cashback card that promises up to 6% cashback when you spend on certain types of everyday expenditures; no minimum requirement. | |
A cashback card that offers 1.5% cashback on everything with no minimum spending and no rebate cap. | |
A rewards credit card that lets you earn NTUC LinkPoints for your purchases. | |
A cashback credit card that offers up to 15% bonus cashback on a category of your choice and 1% unlimited cashback on everything else. | |
An unlimited cashback card that gives you a flat 1.7% cashback rate on almost all spending without minimum spending requirements. | |
A fuss-free cashback card that offers up 10% cashback on local online, mobile contactless, gym, telco and streaming steam; and no FX fees on all FX spend. | |
A rewards credit card that lets you earn up to 25 UNI$ (UOB rewards points) for every S$5 spent (equivalent to 10 miles per dollar) on any one spending category of your choice. | |
A rewards credit card that lets you earn up to 25 UNI$ (UOB rewards points) for every S$5 spent (equivalent to 10 miles per dollar) on any 2 spending categories of your choice. | |
A cashback credit card that offers cashback on all almost all types of daily spending. |
Credit card reviews—Co-branded cards
Card | Description |
A rewards card that lets you earn up to 10X rewards on Lazada shopping. | |
A cashback card that offers rebates if you hit the min. spend of $500 for certain categories. | |
A petrol discount card that entitles you to instant fuel discounts. | |
Earn 2 Takashimaya bonus points for every $10 spent at Takashimaya Department Store and Takashimaya Square, B2. 100 Bonus Points = $30 Takashimaya voucher. That works out to a rebate rate of 6%. | |
A rewards card that offers up to 6% rebates when you shop at the budget supermarket. | |
A rewards card that offers up to 5% rebate at all Don Don Donki outlets. |
Credit card reviews—Digital multi-currency cards
Card | Description |
Link up to 5 Mastercard-issued credit or debit cards to your Instarem Amaze card. Get 1% cashback on top of your linked credit or debit card rewards | |
Exchange 10 currencies (SGD, USD, EUR, GBP, JPY, HKD, AUD, NZD, CHF and SEK) 24/7 using the app. 0% transaction fees on the wholesale exchange rate. |
MoneySmart card reviews—Debit cards
Card | Description |
A business payment card that lets you issue cards for your team to manage company spending both locally and across borders with 0% foreign transaction fees. | |
Earn up to 4% cashback on online food delivery, 3% on local transport, and 2% on foreign currency transactions. No minimum income requirement. | |
Earn 1% of your spending in fractional shares for every transaction made across a wide variety of spend categories. | |
Specially for SMEs and startups, this multi-currency business debit card offers up to 1.2% cashback on eligible spend with 0% FX admin fees on 16 major currencies. |
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