Best Credit Cards for Online Shopping & Mobile Payments 2018

If you frequently shop online or actively use your mobile wallet, you may want to look for a card that provides high rebate or miles rewards rewards on online shopping and mobile payments. To help you save on your digital purchases, our team reviewed 100+ options to come up with the best online shopping credit cards.

Table of Contents

Best Miles Card for Online Shopping: Citi Rewards Visa Card

Consider this if you want to maximise miles rewards on shopping expenses online, offline and overseas

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Citi Rewards Visa Card is the best miles credit card for online shopping. First, Citi Rewards Visa Card offers 4 miles for every dollar spent online and offline, even outside of Singapore. On top of this, Citi often provides 2x this level of rewards at a rotating set of merchants in Singapore (offline and online), which is the highest rewards we've seen for shopping credit cards in Singapore. We do, however, have to admit that its 0.4 miles on other purchases is pretty dismal. For this reason, we highly recommend Citi Rewards Visa Card only to active shoppers who can earn enough miles to offset the high S$192.6 of annual that is waived only for 1 year.

Highlights

  • Annual fee: S$192.6, waived 1st year
  • 4 miles (10 reward points) for every S$1 spent on shopping (including online), 8 miles (20 reward points) at selected merchants in Singapore
  • Up to 14% off on petrol at Esso and Shell
  • Promotion: 8 miles per S$1 spent on Lazada and Amazon
  • Welcome Bonus: S$120 cash rebate welcome gift
  • Read Our Full Review

Best Online & Mobile Shopping without Annual Fees: OCBC Titanium Rewards Card

Consider this if you want to earn miles on shopping and mobile payments without paying an annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

OCBC Titanium Rewards Card is an extremely versatile card for those who frequently shop online or actively use mobile wallets. With 4 miles for every S$1 spent on shopping and mobile payments (and 0.4 miles per S$1 spent one everything else), OCBC Titanium Card can help you rack up miles quickly on a wide variety of expenditures. Not only that, OCBC waives this card's annual fee of S$192.6 for 2 years, and in subsequent years long as you spend at least S$10,000 on the card annually. If you are looking for an online shopping credit card and want to avoid paying a high annual fee, OCBC Titanium is a superb option.

Highlights

  • Annual fee: S$192.6, 2-year annual fee waiver, with subsequent years waived with annual spend of S$10,000
  • 4 mile for every S$1 on shopping (offline, online and overseas) and mobile payments (Apple Pay, Android Pay, Samsung Pay)
  • Min annual income: S$30,000 (S$45,000 for foreigners)

Best Miles Card for 0% Interest Payment Plans: DBS Woman's World Card

Consider this if you need to make a large purchase that you can't immediately afford

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000

DBS Woman's World Card is a great online shopping credit card for those who need to make large purchase that they can't immediatley afford. In terms of rewards, it provides 4 miles per S$1 spent online, though its rewards on offline & overseas shopping are somewhat low compared to other similar cards. However, DBS Womn's World Card stands out with its 0% interest payment plan called "My Preferred Payment Plan", which allows cardholders to slowly pay for their purchase in instalments over 3, 6 or 12 months without incurring any processing fee for up to 12 months. Although DBS doesn't award miles for instalment payments, the absence of a processing fee is actually better than most other cards that provide rewards on 0% interest instalments but charges a fee.

Highlights

  • Annual fee: S$192.6, 1-year annual fee waiver
  • 4 mile for every S$1 on online spend
  • 1.2 mile for S$1 spent overseas
  • 0% interest payment plan at no processing fee for up to 12 months
  • Promotions: 1 chance to win 2 SIA suites class tickets for every S$500 spend (5x for travel bookings)
  • Read Our Full Review

Best Mile Card for Entertainment & Online Shopping: HSBC Revolution Card

Consider this if you spend mostly on shopping, dining and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

HSBC Revolution Card is a great online shopping credit card for those with an active social life. First, its rewards program covers all the major spending areas for a consumer with an active social and night life: it provides 2 miles per S$1 spent on dining, entertainment and online shopping. Not only that, HSBC Revolution provides 16% off on petrol and 10% off on travel bookings so you can save even more money. Finally, its annual fee of S$160.5 is easily waived for anyone who spends at least S$12,500 on the card annually. Since the average monthly spend in Singapore is S$2,000, spending S$1,000 per month to get this fee waived should be reasonably easy for most people.

Highlights

  • Annual fee: S$160.5. waived for 2 years, and then waived in subsquently for annual spend of S$12,500
  • 2 miles on online spend (shopping and travel bookings), dining, and entertainment
  • 16% off on petrol at Caltex & Shell
  • Up to 10% off on travel bookings online
  • Welcome Bonus: A Samsonite Astra 55cm luggage (worth S$350) or S$100 cash back for new customers (S$50 for existing customers)
  • Promotion: Save up to S$10,000 with 1,000 Entertainer 1-for-1 deals
  • Read Our Full Review

Best Cashback Card for Online Shoppers: DBS Live Fresh Card

Consider this if you shop online frequently and have many opportunities to pay with mobile wallets

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

For shoppers who spend most of their money online or via mobile payments, DBS Live Fresh Card is likely one of the best ways of earning cash rebate in Singapore. This card can provide up to 5% of cashback on online purchases and mobile transactions (i.e. Visa payWave, Apple Pay, etc). It also comes with a pretty generous welcome offer of up to S$200 of cashback for new customers. As long as you meet this card's monthly spend requirement of S$600, DBS Live Fresh Card can help save up to S$60/month on your online transactions.

Highlights

  • Annual fee: S$128.4, waived for 1 year
  • 5% cashback on online transactions and mobile payments
  • 0.3% cashback on everything else
  • 0% interest payment plan with no fees for up to 12 months
  • Automatic enrollment for EZ-Reload
  • Promotions: S$100 cashback for new customers (S$50 for existing)
  • Read Our Full Review

Best Online Shopping Cash Rebate without Annual Fees: OCBC Frank Card

Consider this if you want an online shopping card with an easy annual fee waiver

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

OCBC Frank Card is an ideal credit card for young adults because it offers a very effective method of earning rebates on online shopping while saving on annual expenditures. First, OCBC Frank Card provides a 6% rebate on all online expenses, including travel bookings and food delivery orders. OCBC Frank Card also provides up to 5% savings on other expenditures on entertainment and night life, a central part of anyone in their 20's. Perhaps being mindful of the budget that young adults have, OCBC also waives this card's already low annual fee of S$90 for 2 years, and in subsequent years for those who can afford to spend S$10,000 on the card annually. OCBC Frank Card also works with mobile wallets like Apple Pay, Android Pay and Samsung Pay.

Highlights

  • Annual fee: S$80, waived for 2 years and subsequently for annual spend over S$10,000
  • 5% rebate on entertainment on weekends, 3% on weekdays
  • 14% off on petrol at Caltex & Esso stations
  • 6% rebate on online shopping, travel bookings and food delivery
  • Min annual income: S$30,000 (S$45,000 for foreigners)
  • Promotion: S$50 cashback when you apply for 2 OCBC credit cards online
  • Read Our Full Review

Best Online Shopping Credit Card for Large Purchases: Standard Chartered SingPost Spree Credit Card

Consider this if you do a lot of cross-border online shopping

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

Standard Chartered SingPost Spree Credit Card is a great online shopping credit cards for 2 reasons. The most unique feature of this card is its 0% interest instalment plan: Standard Chartered is also one of the few banks that actually provide rewards on 0% interest instalment plans for up to 36 months with no additional charges, so you can earn rebates relatively easily with large purchases. Secondly, it's one of the only shopping credit cards without any monthly spending requirements. Therefore, this card can be a good fit for people who spend relatively little on online shopping. Furthermore, it is a particularly good fit for people who like to shop with online retailers overseas like Amazon, Taobao and Tmall, since it provides up to 3% of cashback on foreign currency online transactions & vPost purchases. Local online & mobile transactions earn 2% of rebate, while all other retail transactions earn 1% of rebate.

Highlights

  • Annual fee: S$192.6, waived for 2 years
  • Rebates: 3% foreign currency online purchases & vPost transactions, 2% on local online transactions, 1% on other retail transactions
  • 0% instalment payment plan: no fees and earn rewards for up to 36 months
  • No monthly minimum spend
  • Online price guarantee
  • 20% cashback on Grab rides globally
  • Promotion: Up to S$100 in cashback for new customers (S$20 for existing customers)
  • Read Our Full Review

Best Miles Card for Dining & Foreign Currency Transaction: Maybank Horizon Visa Signature Card

Consider this if you want to maximise miles earned on dining and petrol

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000

Maybank Horizon Visa Signature Card works well for online shopper who want to earn miles on dining while avoiding high annual fees. With 3.2 air miles awarded for every S$1 you spend on dining or on petrol and 2 miles for every S$1 spent on travel bookings and on foreign currency transactions, Maybank Horizon Card can be a quite effective way of racking up miles for casual travellers. Not only thaat, its annual fee of S$180 is waived for anyone who spends just S$1,500 per month on the card (S$18,000 per year). By providing great mile award rates for your travel expense as well as your daily needs, Maybank Horizon Visa Signature Card helps you build up miles while saving up on the annual fee you would otherwise have to spend with other cards.

Highlights

  • Annual fee: S$180, waived with S$18,000 of annual spend
  • 2 miles for S$1 spent on air tickets, travel packages and foreign currency transactions
  • 3.2 miles for every S$1 spent on petrol, dining, taxi fares (including GrabTaxi) and hotel bookings via agoda.com/horizon
  • Complimentary access to selected VIP airport lounges & travel insurance
  • Bonus: Receive a complimentary Samsonite Orfeo 69cm Spinner worth S$420 when you apply for 2 Maybank Credit Cards and CreditAble
  • Read Our Full Review

Cashback on Dining and Foreign Currency Transactions: CIMB Visa Signature Card

CIMB Visa Signature

Consider this if you want a specialised dining credit card without an annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$48,000

If you are looking for a card that can help you save on online foreign currency transactions, CIMB Visa Signature Card is worth a consideration. It provides up to 10% of rebate on dining and online foreign currency transactions, provided that you spend a minimum of S$500 with 8 transactions of S$30. As long as you are meeting this requirement, you can earn the highest level of rebate on these two categories with this card. Not only that, CIMB credit cards charge zero annual fee.

Highlights

  • No annual fee
  • Up to 10% cashback on dining & online foreign currency transactions

CIMB Visa Infinite Card: No-Fee Cashback Card for Travel

CIMB Visa Infinite Card

Consider this if you want a no fee cashback card for travelling

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

CIMB Visa Infinite Card is a no-fee flat rate cashback card rewarding 1% cashback on all local expenses, and 2% cashback on all travel, overseas and online foreign currency expenditures. This card can also function as a travel card since because of its low foreign transaction fee and access to Visa privileges that qualifies you for various perks like complimentary travel insurance & lounge access.

Highlights

  • No annual fee
  • Spend S$2,000 in a month to enjoy 2% rebate on travel, overseas and foreign currency transactions
  • 1% rebate on all other retail spends
  • Complimentary 3 lounge visits per year

Versatile Cashback Card for Online Shopping: OCBC 365 Credit Card

Consider this if you spend at least S$800 monthly and want to save on online shopping and other daily necessities like groceries & dining

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

If you are looking for a more verstaile cashback card that can earn rebates on multiple spending categories, OCBC 365 Credit Card could be a great option. Besides its 3% rebate on online shopping, it also provides up to 6% rebate on dining, 3% cashback on groceries, 3% rebate on utilities and 22.2% discounts on petrol. As you can tell, its name derives from the fact that its reward program is well curated for categories central to everyone’s daily life.

Highlights

  • Annual fee: S$192.6, waived for 2 years and subsequently waived for annual spend of only S$10,000
  • Rebates: up to 6% on dining, 3% on online shopping, groceries and recurring monthly bills
  • Up to 22.2% on petrol

Unlimited Cash Rebate Card for Online Shopping: Standard Chartered Unlimited Cashback Card

Consider this if you want unlimited amount of cash rebate on all expenses and can spend more than S$5,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

Standard Chartered Unlimited Cashback Card stands out among cashback cards because it has no cap on the amount of cashback one can earn. Unlike cards that has caps on cashback earned, Standard Chartered Unlimited Cashback Card will reward you as much cashback as you want as long as your budget is big enough. It has a flat rate of 1.5% cashback on everything, and a boost of 3% cashback on overseas expenditures. This card is the epitome of convenience, with no monthly spend requirement. Furthermore, Standard Chartered credit cards are easily compatible with various mobile wallets, and also provide a unique 0% interest payment program that also provides rewards on your instalments, making this card quite ideal for making large purchases.

Highlights

  • Annual fee: S$192.6, 2 Year Waiver
  • 1.5% unlimited cash back on all your expenditure
  • Foreign exchange transaction fee: 3.5%
  • No minimum spend requirement
  • Up to 24% discount on petrol at Caltex
  • 20% cashback and more on Grab rides globally
  • EZ-Link compatible
  • Promotion: Up to S$100 in cashback for new customers (S$20 for existing customers)
  • Read Our Full Review

Highest Flat Rate Cashback Card: UOB One Card

UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

UOB One Card provides one of the best flat rate cashback awards in the country. As long as your monthly spend is consistently about S$2,000, S$1,000 or S$500, UOB One Card awards quarterly rebate ranging from S$50 to S$300. While it could be rather complicated to use, UOB One Card will award up to 5% of cashback on every expenditure on the card including shopping. Given this, we think UOB One is suitable for people who have high visibility on their monthly expenses and can optimize their balance on the card at exactly S$2,000 a month. If you shop quite often and regularly, it could be a great way of getting another 5% off of your shopping spree.

Highlights

  • Annual fee: $192.6, waived 1st year
  • Flat rate cashback of up to 5% (max S$100/month)
  • Up to 24% discount on petrol at SPC and Caltex
  • Extra interest income of up to 3.33% on your UOB One Savings account
  • Promotion: S$80 cash credit for new card members
  • Read Our Full Review

Summary of Best Online Shopping Credit Cards

In case you want a quick look at our picks, here are ValuePenguin's best online shopping credit cards.

Shopping CardsOnline Shopping RewardAnnual Fee
Citibank Rewards4 milesS$192.6Apply Now
OCBC Titanium4 milesS$192.6Apply Now
DBS Live Fresh5%S$128.4Apply Now
OCBC Frank6%S$80Apply Now
OCBC 3653%S$192.6Apply Now
Standard Chartered Unlimited1.5%S$192.6Apply Now
Shopping CardsOnline Shopping RewardAnnual Fee
Citibank RewardsApply Now4 milesS$192.6
OCBC TitaniumApply Now4 milesS$192.6
DBS Live FreshApply Now5%S$128.4
OCBC FrankApply Now6%S$80
OCBC 365Apply Now3%S$192.6
Standard Chartered UnlimitedApply Now1.5%S$192.6

Compare the Best Online Shopping Credit Cards by Dollar Value

Below is a visual representation of the approximate savings one can earn by using the best online shopping credit cards in Singapore. These dollar values* represent the approximate amount of rewards a person can earn in cash rebate & air miles when spending S$2,000 per month for 2 years. However, this amount can vary widely depending on what your spending habit looks like and how you redeem your miles.

A graph displaying how best online shopping credit cards compare to one another in terms of their rewards
Best Online Shopping Credit Cards in Singapore by Estimated 2-Year Dollar Value

*ValuePenguin calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValuePenguin's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Duckju Kang

Duckju is the Senior Vice President of ValuePenguin Singapore. He covers the financial services industry, consumer finance products, budgeting, and investing. He previously worked in the financial services industry, including at such hedge funds as Tiger Asia and Cadian Capital.

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