In today’s dynamic world of personal finance, selecting the perfect credit card has become an essential skill. With a myriad of options available, each promising unique benefits and rewards, navigating this landscape can be overwhelming.
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.
The Ultimate List of Credit Card Reviews
Credit Card Reviews—Miles Cards
| Card | Description |
| Standard Chartered Journey Card | An entry-level rewards card with extra earn rates for online transport, food delivery and grocery transactions. |
| OCBC 90°N Card | Both Visa and Mastercard versions get you 1.3 miles per dollar on local spend and 2.1 miles per $1 on overseas spend. |
| Citi PremierMiles Card | An entry-level miles card for the casual miles chaser. |
| Maybank Horizon Visa Signature Card | 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. |
| Amex KrisFlyer Credit Card | An entry-level miles card that lets you earn air miles which are then credited directly to your KrisFlyer account. |
| UOB Preferred Platinum Visa Card | A rewards card that lets you earn 4 miles per $1 on most of your daily expenses, both online and offline. |
| UOB KrisFlyer Credit Card | An air miles credit card that lets you earn KrisFlyer miles when you spend on it. |
| UOB PRVI Miles Credit Card | An entry-level air miles card that lets you earn UNI$, UOB’s rewards points. |
| DBS Altitude Visa Signature Card | 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. |
| Amex Singapore Airlines Business Credit Card | Specially for business owners, this miles card earns you up to 8.5 HighFlyer points on Singapore Airlines Group expenses. |
| HSBC TravelOne Card | 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. |
Credit Card Reviews—Rewards & Cashback Cards
| Card | Description |
| Standard Chartered Smart Credit Card | A cashback card that promises up to 6% cashback when you spend on certain types of everyday expenditures; no minimum requirement. |
| Standard Chartered Simply Cash Credit Card | A cashback card that offers 1.5% cashback on everything with no minimum spending and no rebate cap. |
| Trust Credit Card | A rewards credit card (in the form of NTUC LinkPoints). |
| Citibank Rewards Card | 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. |
| CIMB World Mastercard | 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. |
| CIMB Visa Signature Credit Card | An entry-level card that gives you 10% cashback for local and overseas transactions in the following categories; no annual fee. |
| American Express Platinum Card | A rewards card that awards you membership rewards points when you spend, which can be converted into miles, gift vouchers, or offset your credit card bill. |
| DCS Diners Club Cashback Card | A cashback card that gives you up to 5% cash rebate on all eligible transactions. |
| UOB Absolute Cashback Card | An unlimited cashback card that gives you a flat 1.7% cashback rate on almost all spending without minimum spending requirements. |
| UOB One Card | A cashback credit card that offers cashback on all almost all types of daily spending. |
| DBS Live Fresh Card | A cashback card that offers up to 5% cash rebate on online and Visa contactless spend |
| UOB EVOL (Formerly YOLO) Credit Card | A fuss-free cashback card that offers you 8% cash back on bonus categories and 0.3% cash back on everything else. |
| DBS Black Visa Card | A rewards credit card that lets you earn DBS Points at a standard rate of $5 = 1 DBS Point (2 miles) |
| HSBC Advance Credit Card | A cashback card that doles out cashback based on the amount you spend that month, not on the specific categories you spend on. |
| Citibank Cash Back Card | One of the most eye-catching cashback cards in Singapore promising up to 8% cash rebate on everyday spending categories. |
| Citibank Cash Back+ Credit Card | An unlimited cashback card offering 1.6% cashback on all purchases; not to be confused with the one above. |
| OCBC Frank Credit Card | A cashback card that gives you 6% cashback on online shopping. |
| Standard Chartered Rewards+ Card | A rewards card with a maximum earn rate of 10X rewards points, only applicable for foreign currency spending on overseas retail, dining and travel. |
| American Express True Cashback Card | A low-effort unlimited cashback card that gives you 1.5% cashback on virtually anything you spend. |
| DBS Woman’s Card & DBS Woman’s World | Two levels of rewards cards that dole out rewards points when you shop online or make other purchases. You don’t have to be a woman to apply. |
| UOB Lady’s Card | A rewards credit card that lets you earn up to 5 UNI$ (UOB rewards points) for every S$25 spent (equivalent to 10 miles per dollar) on any one spending category of your choice. |
| Maybank Family & Friends Card | A cashback card that offers up to 8% cash back globally on 5 preferred cashback categories. |
| POSB Everyday Card | A cashback card with key bonus rebates for Sheng Siong and Redmart, where you can earn 5% and 8% cashback respectively. |
| HSBC Visa Platinum Credit Card | A cashback card that offers a 5% cash rebate on dining, groceries, and fuel. |
| HSBC Revolution Card | 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. |
| Citi Ultima Card | A luxury, by-invite only credit card for ultra-high net worth clients, offering bespoke privileges and exclusive benefits. |
| DCS Ultimate Platinum Card | An entry-level cashback card offering 2% cashback (capped at $200/month) with $0 minimum spend. |
| OCBC INFINITY Cashback Card | 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. |
| OCBC 365 Credit Card | A cashback credit card that rewards you with 3% to 6% cashback on dining, online travel, groceries, telco bills, petrol, and more. |
Credit Card Reviews—Co-branded Cards
| Card | Description |
| DCS Sheng Siong Credit Card | A rewards card that offers up to 6% rebates when you shop at the budget supermarket. |
| DCS Don Don Donki Credit Card | A rewards card that offers up to 5% rebate at all Don Don Donki outlets. |
| Citi Lazada Credit Card | A rewards card that lets you earn up to 10X rewards on Lazada shopping. |
| Citibank SMRT Card | A cashback card that offers rebates if you hit the min. spend of $500 for certain categories. |
| DBS Esso Card | A petrol discount card that entitles you to instant fuel discounts. |
| DBS Takashimaya American Express Card | 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%. |
Credit Card Reviews—Digital Multi-currency Cards
| Card | Description |
| YouTrip Card | 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. |
| Instarem Amaze Card | 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 |
MoneySmart Card Reviews—Debit Cards
| Card | Description |
| DBS Visa Debit Card | Earn up to 4% cashback on online food delivery, 3% on local transport, and 2% on foreign currency transactions. No minimum income requirement. |
| Tiger BOSS Debit Card | Earn 1% of your spending in fractional shares for every transaction made across a wide variety of spend categories. |
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