Find & Compare the Best Credit Cards in Singapore

CompareCreditCards,sg is the best free and independent Credit Card Comparison platform in Singapore. Compare Credit Cards helps you to quickly find and compare the Best Credit Cards in Singapore for you which offer the lowest rates, most cash back or other promotional rewards. Start finding the best credit cards and start saving money today!

Banks

Credit Cards

UOB YOLO

Up to $250 cash credit when you apply for a new credit card

8% cashback on Grab, Dining and Entertainment spend

3% cashback on Online Fashion and Travel spend

Up ti 3.88% P.A. interest rates with UOB One Account

Promotions

Spend a minimum of $1,500 within the first 30 days of their new card approval

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

Up to 8% back on weeknd Grab, dining & entertainment (local & overseas)

3% cashback on weekday Grab, dining, entertainment, online fashion, and travel

0.3% back on all non-bonus spend

Min Cashback Rate: 0.30%
Max Cashback Rate: 8%
Min Qualifying Spend: $600
Max Qualifying Spend: $1,200
Max Cashback in Month: $60

No Annual Fee

First 1 year card fee waived

1st Supplementary Card — Free for life

Online Shopping

3% - 8% cashback for Online Fashion Shopping

Online Fashion Transaction means the card transaction made via fashion websites that sells clothes, shoes, jewellery, accessories and bags as its main business activity, in both foreign and local currencies

Dining

3% to 8% Cashback

Student

3% - 8% off Weekend Grab Card Transactions (with effect from 10 April 2018)

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $30,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: UOB
Type: Secured Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 28% per annum on all outstanding on the cash advance amount, calculated on a daily basis, from the date of the cash advance until the date the outstanding is paid in full
Interest Free Period (days): 21

Fee Details

Year 1: $0.00
Ongoing: $192.60
Late Payment Fee: $100
Description: Subject to minimum $2.50 finance charge
Provider Fee Details

HSBC Visa Platinum Credit Card

Samsonite T5 68cm Spinner with built-in scale (worth $560) or $150 cashback

Up to 16% instant discount plus 5% cash rebate on fuel spend at Caltex and Shell stations

Promotions

Samsonite T5 68cm Spinner with built-in scale (worth $560) or $150 cashback

Cash Back

Min Cashback Rate: 5%
Max Cashback Rate: 5%
Min Qualifying Spend: $600
Max Cashback in Month: $83

No Annual Fee

Annual fee is waived for the first two years from the date the HSBC Revolution credit card or HSBC Visa Platinum credit card is issued

To qualify for the subsequent annual fee waiver, a minimum annual spending of $12,500 must be made on your respective credit card account

Petrol

5% cash rebate on fuel

Petrol Merchants refer to Caltex and Shell service stations in Singapore with MCC= 5541 Service Stations

Dining

5% Cashback on Dining

Student

5% cashback on groceries as accepted merchants

"Groceries Merchants" refer to all merchants in Singapore that have their main business activities classified as grocery stores and supermarkets (MCC=5411)

Luggage

Samsonite T5 68cm Spinner with built-in scale (worth $560) or $150 cashback

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $30,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: HSBC
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 20

Fee Details

Year 1: $192.60
Ongoing: $192.60
Waived Minimum Spend: $12,000
Late Payment Fee: 6% with a minimum $15.00 fee plus 28% p.a.
Description: Subject to minimum $2.50 finance charge
Provider Fee Details

OCBC 365 Credit Card

Get $40 cashback when you sign up!

Get $50 cash rebate upon approval. No minimum spend required Apply online by 31 July 2019!

Promotions

Get $40 cashback when you sign up with Sembcorp Power, Senoko Energy, Keppel Electric or Geneco on your recurring electricity bill payment. Valid for the first 4,000 customers per electricity retailer.

Get $50 cash rebate upon approval. No minimum spend required Apply online by 31 July 2019!

Balance Transfer

Ongoing: 5.34% p.a for 6 months and 5.20% for 12 months

Cash Back

Min Cashback Rate: 0.30%
Max Cashback Rate: 6%
Min Qualifying Spend: $800
Max Cashback in Month: $80

Miles/Travel

$500,000 Complementary Travel Insurance

No Annual Fee

Annual fee is waived for the first two years from the date

Petrol

5% cashback on fuel spend at all other petrol service stations.

Up to 20.4% Fuel savings at Esso (Till 30 June 2019)

Dining

6% Cashback on Dining

Local and overseas dining, every day Online food delivery

Student

3% Cashback on local and overseas groceries!

3% Cashback on Local and overseas private hire rides, including bikes (e.g. Grab, Go-Jek and TADA) Local and overseas taxi (e.g. ComfortDelGro)

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Min Age: 21

Foreigner

Minimum Annual Income: $45,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: OCBC Bank
Type: Credit Card

Rates

Purchases Introductory: 26.88%
Purchases Ongoing: 26.88%
Cash Advance: 6% with a minimum $15.00 fee plus 28.92% p.a.
Interest Free Period (days): 20

Fee Details

Year 1: $192.60
Ongoing: $192.60
Waived Minimum Spend: $12,000
Late Payment Fee: $100
Description: Subject to minimum $2.50 finance charge
Provider Fee Details

UOB PRVI Miles American Express Card

Up to 12,000 Welcome Miles

Up to 7 miles for every $1 spent

Up to 7 miles per $1 on travel purchases

Up to 3 miles per $1 spent on Grab.

Earn 2.4 miles per $1 spent overseas and 1.4 miles per $1 spent locally.

Promotions

Be the first 2,000 cardmembers with a minimum spend of $4,000 within the first 60 days of new card approval

Earn up to 7 miles per $1 spent on airline and hotel bookings through Agoda, Expedia, and UOB Travel. This current promotion is valied from 1 April 2019 to 30 June 2019.

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

Up to $10 cash rebate on contactless payments. Valid from 11 June 2019 to 30 November 2019 but limited to the first 15,0000 registered Cardmembers.

Min Cashback Rate: $0
Max Cashback Rate: $10
Min Qualifying Spend: $1
Max Qualifying Spend: $10
Max Cashback in Month: $10

Miles/Travel

Earn up to 13 miles on travel purchases. Must open a KrisFleyer UOB account to earn 6 miles per $1 spent. Then use PRVU Card to earn the remaining 7 miles per $1 on select travel purchases.

Up to 2 transfers to Chiangi airport per quarter. Must maintain at least $1,000 foreign spend in the same quarter to qualify.

Get 20,000 bonus miles every year with minimum $50,000 annual card spend. Flexible redemption options. Can redeem miles at over 40 airlines.

Online Shopping

Earn 1.4 miles per $1 spent on all local purchases.

Overseas Spending

Earn 2.4 miles per $1 on all overseas spending.

Dining

Earn 3 miles per $1 spent at Grab.

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: American Express
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% (Subject to minimum $15.00 fee) and 28% p.a. interested calculated daily
Interest Free Period (days): 21

Fee Details

Year 1: $0.00
Year 2: $256.80 for principal card. First two supplementary cards are free then 128.40 per card
Year 3: $256.80 for principal card. First two supplementary cards are free then 128.40 per card
Ongoing: $256.80 for principal card. First two supplementary cards are free then 128.40 per card
Waived Minimum Spend: $50,000
Late Payment Fee: $100
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

UOB One Card

Receive up to $250 when you apply for UOB One Card

Earn up to 3.88% p.a. interest on a UOB One Account

Spend $500, $1000, or $2000 per month (minimum 5 purchases) and get a $50, $100, or $300 quarterly cash rebate

Get up to 10% rebate on Grab transactions

Get up to 6% rebate on Singapore Power utlilies bill

Promotions

Get $150 cash credit when applying for UOB One Card between 1 Jun and 31 October 2019 and spend $1,500 within 30 days of approval (limited to the first 1,000 people) and a $100 cash credit when opening a UOB One Account (limited to the first 200 new UOB Deposits customers)

Spend $500 on UOB One Card and credit your salary or perform 3 GIRO transactions to qualify for interest rate up to 3.88% p.a. UON One Account deposits

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

Earn up to $300 quarterly cash rebate by spending at least $2,000 monthly with minimum 5 purchases

Get an additional 10% on Grab purchases when qualify for quarterly cash rebate (up to $2,400 annually)

Up to 10% rebate on select purchases with UOB SMART Programme

Min Cashback Rate: 0.00%
Max Cashback Rate: 10%
Min Qualifying Spend: $500 monthly (minimum 5 purchases)
Max Qualifying Spend: $2,000 monthly (minimum 5 purchases)
Max Cashback in Month: $300 quarterly cash rebate

Miles/Travel

Up to 12 free rides for new SimplyGo users

Petrol

Up to 20.8% savings at Shell

Online Shopping

Up to 10% back on Grab purchases when you qualify for the quarterly bonus. Otherwise, all purchases earn 5% back.

Up to 10% back at select SMART Rebate partners

Dining

Up to 10% back on Grab purchases when you qualify for the quarterly bonus

Non-bonus dining earns 5% back

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% (Subject to minimum $15.00 fee) and 28% p.a. interested calculated daily
Interest Free Period (days): 21

Fee Details

Year 1: $0.00
Year 2: $192.60 for principal card. First supplementary is free then $96.30 per subsequent card.
Year 3: $192.60 for principal card. First supplementary is free then $96.30 per subsequent card.
Ongoing: $192.60 for principal card. First supplementary is free then $96.30 per subsequent card.
Waived Minimum Spend: $12,000
Late Payment Fee: $100
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

Maybank Horizon Visa Signature Card

Get $100 cash credit with Maybank credit cards and Creditable

Earn up to 8X TREATS points (3.2 air miles) per $1 spent

Complimentary airport lounge access at select lounges when you charge minimum $1,000 in a singlee transaction on a retail purchase to your card within 3 months of travel

Qualify for the Maybank Save Up Program by owning this card and earn up to 3% p.a. interest

Promotions

Apply for 2 new Maybank Credit Cards and CreditAble, and charge to your Credit Card and/or withdraw from your CreditAble Account a minimum of $800 within the first two months of approval to receive $100 Cash Credit

Miles/Travel

8x points on Singapore restaurant dining, petrol in Singapore, transport in Singapore, and Agoda.com hotel bookings

5x points on airline ticket purchases, travel packages, and foreign currency transactions Must spend minimum $300 monthly to earn 5x or 8x points

Complimentary airport lounge access at select lounges when you charge minimum $1,000 in a singlee transaction on a retail purchase to your card within 3 months of travel

Petrol

8x points on all petrol purchases in Singapore, plus prevailing station discounts

Overseas Spending

Earn 5x points (2 air miles) on foreign currency transactions. Applies to treveling abroad and online-based purchases.

Dining

Earn 8x points on restaurant dining in Singapore

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Min Age: 21

Foreigner

Minimum Annual Income: $45,000 if Malaysian and $60,000 for foreigners
Min Age: 21

Card Essentials

Issuer: Visa
Bank: Maybank
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 5% or minimum $15, whichever is higher
Interest Free Period (days): 20

Fee Details

Year 1: $0.00
Year 2: $0.00
Year 3: $0.00
Ongoing: $180.00
Waived Minimum Spend: $12,000
Late Payment Fee: 5% of minimum payment due or $80, whichever is higher
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

KrisFlyer UOB Credit Card

Up to 12,000 KrisFlyer miles or a return ticket for new UOB Credit Cardmembers

Up to 5,000 KrisFlyer miles for existing UOB Credit Cardmembers

Earn 3 KrisFlyer miles per $1 spent on Singapore Airlines, SilkAir, Scoot and KrisShop purchases

Earn up to 3 KrisFlyer miles on everyday spend with $500 minimum spend

Exclusive airline privileges

Purchases Intro: 25.90% Fee Year 1: $0 for principal card. First supplementary card is free then $96.30 per additional card Min Income: $30,000

More Details

Purchases Intro: 25.90% Fee Year 1: $0 for principal card. First supplementary card is free then $96.30 per additional card Min Income: $30,000

Promotions

Spend $2,000 within first 60 days of card open date

Make one transaction of at least $5 within first 60 days

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Miles/Travel

3x KrisFlyer miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases

Up to 3x KrisFlyer miles on everyday spend categories with minimum $500 annual spend on Singapore Airlines group

1.2x miles on other spend

Online Shopping

Up to 3 miles per $1 spent

Dining

Up to 3x miles for online or local dining spend

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: Mastercard
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $0 for principal card. First supplementary card is free then $96.30 per additional card
Year 2: $192.60 for principal card. First supplementary card is free then $96.30 per additional card.
Year 3: $192.60 for principal card. First supplementary card is free then $96.30 per additional card.
Ongoing: $192.60 for principal card. First supplementary card is free then $96.30 per additional card.
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

UOB Preferred Platfinum Visa Card

Get up to $250 when you apply

Up to 30% off on sleect foreign travel

Earn 10x UNI$ for online purchases

Earn 10x UNI$ for contactless transactions

Earn rebates at UOB Smart% Programme partners

Purchases Intro: 25.90% Fee Year 1: $0 for first and second card then $96.30 per each additional card Min Income: $30,000

More Details

Purchases Intro: 25.90% Fee Year 1: $0 for first and second card then $96.30 per each additional card Min Income: $30,000

Promotions

Spend minimum $1,500 in the first 30 days to earn $150 and make a qualifying UOB One account deposit to earn another $100

UOB Privileges Passport offers spend discounts at select partners

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

10x UNI$ per $5 spent on online shopping and entertainment and contactless transactions

Earn UOB SMART$ at over 300 outlets

Min Cashback Rate: 1
Max Cashback Rate: 10
Max Cashback in Month: UNI$2000

Miles/Travel

Points are redeemable for air miles at 4 miles per $1

Online Shopping

10x miles for onlin shopping and food delivery

Dining

10x miles for fast food delivery order online

Over 100 buffett specials and thousands of treats islandwide

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $0 for first and second card then $96.30 per each additional card
Year 2: $192.60 for principal card. First supplementary card is free then $96.30 per additional card.
Year 3: $192.60 for principal card. First supplementary card is free then $96.30 per additional card.
Ongoing: $192.60 for principal card. First supplementary card is free then $96.30 per additional card.
Waived Minimum Spend: UNI$4800
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

UOB Reserve Card

5.34% p.a for 6 months and 5.20% for 12 months

Invite-Only Card

American Express Centurion Card

Eligibility Criteria

Citizen/Permanent Resident

Min Age: 21

Foreigner

Min Age: 21

Card Essentials

Issuer: American Express
Bank: American Express
Type: Credit Card

Rates

Cash Advance: Prime Rate + 21.99%
Interest Free Period (days): 25

Fee Details

Year 1: Initiation Fee: $7,500 Annual Fee: $2,500
Year 2: $2,500.00
Year 3: $2,500.00
Ongoing: $2,500.00
Late Payment Fee: $38
Description: Up to $38
Provider Fee Details

Standard Chartered Visa Infinite

35,000 bonus miles when you apply

Complimentary 4 hour yacht hire when you spend $75,000 in 2019

6 complimentary Priority Pass visits per year for principal card

Earn up to 3 miles per $1 spent

Discount hotel and resort privileges

Promotions

Pay $588.50 principal card annual fee

Spend $75000 by 31 Dec 2019 for complimentary yacht hire

Balance Transfer

Introductory: 0% for 6 months
Ongoing: 26.90%

Miles/Travel

Standard Chartered 360° Rewards Programme

1.4 Local Currency Miles per dollar and 3.5 Foreign Currency Miles per dollar

Complimentary $1M Insurance and 6 Priority Pass visit per year

Overseas Spending

Up to 3 miles per $1 on overseas spend

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $150,000
Min Age: 21

Foreigner

Minimum Annual Income: $150,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: Standard Chartered
Type: Credit Card

Rates

Purchases Introductory: 26.90%
Purchases Ongoing: 26.90%
Cash Advance: 0.077% daily plus 6% or $15, whichever is greater
Interest Free Period (days): 22

Fee Details

Year 1: $588.50
Year 2: $588.50
Year 3: $588.50
Ongoing: $588.50
Late Payment Fee: $80
Description: $80 fee plus 28% interest on outstanding balance
Provider Fee Details

UOB Lady's Card

Get 10X UNI$ (or 20 miles) per $5 spent on preferred categories with no min. spend

UOB Lady's Luxe Plan-6/12 month instalment plans with no interest

10x UNI$ on one category of choice

0% p.a. for purchases above $500 with a 6 or 12-month instalment plan

e-Commerce protection on online purchases up to USD200

Purchases Intro: 25.90% Fee Year 1: $0 for first and second card then $96.30 per each additional card Min Income: $30,000

More Details

Purchases Intro: 25.90% Fee Year 1: $0 for first and second card then $96.30 per each additional card Min Income: $30,000

Promotions

Earn 10X UNI$ or 20 miles on one category. Choose Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, and Travel

6 or 12-month instalment plan with no interest or processing fees

Customise your very own UOB Lady's Card x KWANI Bag or redeem Takashimaya Shopping Centre vouchers from 21 June-21 August 2019

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

10x UNI$ per $5 spent on one category of choice

1x UNI$ per $1 for non-bonus spend

Min Cashback Rate: 1x UNI$
Max Cashback Rate: 10x UNI$
Max Cashback in Month: 1800 $UNI per calendar month for bonus category

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Min Age: 21

Card Essentials

Issuer: Mastercard
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

UOB Visa Infinite Metal Card

25,000 welcome miles with paid annual fee

Up to 2 miles per $1 spent

Earn 2 air miles for every $1 spent overseas and 1.4 miles for local spending

Free SingTel ReadyRoam & airport lounge access

Earn up to 6 KrisFlyer miles per purchase

Purchases Intro: 25.90% Fee Year 1: $642 for principal card. First supplementary card is free for the first year. Min Income: $150,000

More Details

Purchases Intro: 25.90% Fee Year 1: $642 for principal card. First supplementary card is free for the first year. Min Income: $150,000

Promotions

Receive 25,000 welcome miles after paying $642 annual fee and first transaction

Earn 2 air miles for every $1 spent overseas and 1.4 miles for local spending

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Miles/Travel

2x miles for every $1 spent overseas and 1.4x miles for every $1 spent locally

Earn up to 6 KrisFlyer miles when linking Visa Infinite to KrisFlyer UOB account (capped at 5% of monthly average balance)

4 free visits per year to over 1,000 airport lounges with airport companion program by DragonPass

Overseas Spending

2 air miles per $1 spent overseas

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $150,000
Min Age: 21

Foreigner

Minimum Annual Income: $150,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $642 for principal card. First supplementary card is free for the first year.
Year 2: Principal Card: $642 Supplementary Card: $288
Year 3: Principal Card: $642 Supplementary Card: $288
Ongoing: Principal Card: $642 Supplementary Card: $288
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

UOB Delight Card

Up to 12 free rides when you SimplyGo with UOB

Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian

3% rebate on all contactless payments, Singapore Power and select recurring bills

Up to 10% Smart% Rebate at 300 outlets islandwide

Purchases Intro: 25.90% Fee Year 1: $0 for principal card and first supplementary card. $53.50 for each extra card. Min Income: $30,000

More Details

Purchases Intro: 25.90% Fee Year 1: $0 for principal card and first supplementary card. $53.50 for each extra card. Min Income: $30,000

Promotions

Up to 12 free rides with $40 spent on commuting costs in one calendar month

Up to 3% rebate on contactless payments and recurring payments

10% off over 4,000 house brands at Cold Storage, Giant and Guardian

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

8% rebate per $1 spent at Cold Storage, Market Place, Jasons, Giant or Guardian with minimum $400 monthly spend

3% rebate on contactless payments, Singapore Power, and select recurring bills with minimum $400 monthly spend

0.3% rebate on all non-bonus purchases

Min Cashback Rate: 0.30%
Max Cashback Rate: 8%
Min Qualifying Spend: $400

Petrol

Up to 20% petrol savings with UOB Fuel Power partners

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $0 for principal card and first supplementary card. $53.50 for each extra card.
Year 2: $85.60 for principal card. $0 for first supplementary card and $53.50 for each extra card.
Year 3: $85.60 for principal card. $0 for first supplementary card and $53.50 for each extra card.
Ongoing: $85.60 for principal card. $0 for first supplementary card and $53.50 for each extra card.
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

Singtel-UOB Card

Get up to $150 cashback when you apply online

Enjoy up to 12 free rides when you SimplyGo with UOB

Up to $360 cash rebate each year on Singtel bills

Singtel vouchers up to $300 every year with minimum $12,000 local spend each year

Waived annual fee for life with recurring Singtel bill payment

Purchases Intro: 25.90% Fee Year 1: $0 for principal card and first supplementary card. $96.30 for each extra card. Min Income: $30,000

More Details

Purchases Intro: 25.90% Fee Year 1: $0 for principal card and first supplementary card. $96.30 for each extra card. Min Income: $30,000

Promotions

Charge at least $1,500 within the first 30 days

Tap to pay and earn 10 free rides with UOB Cards and bonus 2 free rides with mobile payment when you spend $40 on transit in a month

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

At least 1% cash rebate on Singtel bills

$100 Singtel voucher with minimum $12,000 annual card spend and $300 Singtel voucher with minimum $24,000 annual spend

Min Cashback Rate: 0%
Max Cashback Rate: 1%
Min Qualifying Spend: $0
Max Cashback in Month: $30

No Annual Fee

Charge Singtel bill to card on a recurring basis to waive principal and supplementary annual fees

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $0 for principal card and first supplementary card. $96.30 for each extra card.
Year 2: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Year 3: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Ongoing: $192.60 for principal card. $0 for first supplementary card and $96.30 for each extra card.
Waived Minimum Spend: Charge Singtel on a recurring basis to your card
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

UOB Privilege Banking Card

UNI$30,000 (equivalent to 60,000 air miles) with $1,926 paid joining fee

Up to 2 air miles for every $1 spent

Earn up to 2 air miles per $1 spent

Complimentary travel benefits with select partners

Free access to private clubs China Club and Tower Club Singapore

Promotions

Get bonus UNI$30,000 when paying $1,926 annual fee

Complimentary weekday green fees at Sentosa Golf Club with a minimum of one paying guest

Complimentary welcome amenities such as room upgrade and daily breakfast at over 900 luxury hotels

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Miles/Travel

2 air miles per $1 on overseas dining and travel

1.2 air miles pere $1 on all other spend

Collect 60,000 air miles each card renewal when paying $1,926 annual fee

Overseas Spending

2 air miles per $1 on overseas dining and travel

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Min Age: 21

Foreigner

Minimum Annual Income: $60,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $0.00
Year 2: $1,926.00
Year 3: $1,926.00
Ongoing: $1,926.00
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

UOB Visa Signature Card

Up to $250 cash credit when you apply

Enjoy up to 12 free rides when you SimplyGo with UOB

10X UNI$ on overseas, online, petrol, Visa payWAVE transactions

SMART$ rebates at on-island partners

UOB Fuel Power savings at 98 locations islandwide

Promotions

Up to $250 cash credit when you spend $1,500 in first 30 days with qualifying deposit

Tap to pay and earn 10 free rides with UOB Cards and bonus 2 free rides with mobile payment when you spend $40 on transit in a month

10X UNI$ on overseas, online, petrol and contactless transactions

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

10X UNI$ on overseas, online, petrol, Visa payWAVE transactions

1X UNI$ on all other spend

Min Cashback Rate: 1.00%
Max Cashback Rate: 10%
Min Qualifying Spend: $5

Petrol

UNI$10 for every $5 spent

Overseas Spending

Earn UNI$10 for every $5 spent overseas or online in foreign currencies

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $50,000
Min Age: 21

Foreigner

Minimum Annual Income: $50,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $0.00
Year 2: $214 for principal card, first supplementary card is free and $107 for subsequent cards
Year 3: $214 for principal card, first supplementary card is free and $107 for subsequent cards
Ongoing: $214 for principal card, first supplementary card is free and $107 for subsequent cards
Waived Minimum Spend: UNI$5500
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

UOB UnionPay Card

Apply and get up to $150 cash credit

10% off all tickets for 2019 International Champions Cup Singapore

2% cash rebate on all spend with no minimum spend

Up to 21.6% fuel savings at SPC

1-for-1 regular 2D movie tickets at Shaw Theatres

Promotions

Apply and spend minimum $1,500 in the first 30 days to earn $150 cash bonus

10% off all tickets for 2019 International Champions Cup Singapore exclusively at Singapore Indoor Stadium Box Office, Scotts Square Concierge Desk and The Star Performing Arts Centre Box Office

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

2% cash rebate on all spend with no minimum spend

Min Cashback Rate: 2.00%
Max Cashback Rate: 2%
Min Qualifying Spend: $0
Max Qualifying Spend: $2,500
Max Cashback in Month: $50

Petrol

Up to 21.6% off petrol purchases at SPC

Overseas Spending

Up to 10% off at over 100 International Airport Duty Free Shops

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: UnionPay
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $0.00
Year 2: $0.00
Year 3: $0.00
Ongoing: $192.60 for principal card, first supplementary card is free and $96.30 for subsequent cards
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

UOB JCB Card

Luxury shopping benefits at Bicester Village (UK) and La Vallée Village (France)

Apply and get up to $150 cash credit

Up to 6% rebate at select Japanese merchants

0.3% rebate for all other spend

Exclusive privileges in Japan

Promotions

Can get 10% additional savings with VIP Card and £10 dining voucher for Le Pain Quotidien at The Bicester Village (UK)

Apply and spend minimum $1,500 in the first 30 days to earn $150 cash bonus

Exclusive travel discounts in Japan

Balance Transfer

Introductory: 5.34% p.a for 6 months and 5.20% for 12 months
Ongoing: 28%

Cash Back

6% cash rebate at Isetan, Meidi-Ya, Tokyu Hands, UNIQLO, Ichiban Boshi, Ichiban Sushi, Kuriya Dining, Kuriya Japanese Market and Sushi Tei

0.3% cash rebate on all non-bonus spend

Min Cashback Rate: 0.30%
Max Cashback Rate: 6%
Min Qualifying Spend: $300

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $30,000.00 (Japanese) or $40,000.00 (Others)
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: JCB
Bank: UOB
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 21

Fee Details

Year 1: $0.00
Year 2: $64.20 for principal card, $0 for first supplement card and $32.10 per subsequent card
Year 3: $64.20 for principal card, $0 for first supplement card and $32.10 per subsequent card
Ongoing: $64.20 for principal card, $0 for first supplement card and $32.10 per subsequent card
Late Payment Fee: $100 per month
Description: $100 per month plus 25.9% p.a. interest
Provider Fee Details

HSBC Advance Credit Card

Receive a Samsonite T5 68cm Spinner with built-in scale worth $560 or $150 cashback

One-time promotional rate of 1.68% p.a. for 6-month balance transfers

Up to 3.5% cashback on all purchases

No minimum spend required

1 year annual fee waiver (perpetually waived for HSBC Advance banking customers)

Promotions

Must spend $800 within qualifying period

All balance transfer applications under this promotion must be received by HSBC within 3 months from the card account opening date

Existing HSBC cardholders can earn $80 bonus cash instead of $150 cashback or Samsonite T5 68cm

Balance Transfer

Introductory: 1.68% for 6 months
Ongoing: 28%

Cash Back

1.5% cashback on all purchases when you spend $2,000 and below

2.5% cashback on all purchases when you spend above $2,000

HSBC Advance banking customers enjoy an exclusive additional 1% cashback (up to 3.5% back)

Min Cashback Rate: 0.03%
Max Cashback Rate: 3.50%
Min Qualifying Spend: $0

No Annual Fee

Maintain an Advance Banking relationship to perpetually waive the annual fee

Luggage

Get a Samsonite T5 68cm Spinner with built-in scale worth $560 with a minimum spend of $800 within qualifying period

Eligibility Criteria

Citizen/Permanent Resident

Minimum Annual Income: $30,000
Fixed Security Deposit: $10,000.00
Min Age: 21

Foreigner

Minimum Annual Income: $40,000.00
Fixed Security Deposit: $10,000.00
Min Age: 21

Card Essentials

Issuer: Visa
Bank: HSBC
Type: Credit Card

Rates

Purchases Introductory: 25.90%
Purchases Ongoing: 25.90%
Cash Advance: 6% with a minimum $15.00 fee plus 28% p.a.
Interest Free Period (days): 20

Fee Details

Year 1: $0.00
Year 2: $192.60
Year 3: $192.60
Ongoing: $192.60
Waived Minimum Spend: $12,500 or maintain Advance Banking Relationship
Late Payment Fee: $55
Description: Subject to minimum $2.50 finance charge
Provider Fee Details

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