Best Credit Cards for Online Shopping & Mobile Payments 2024

With Citi Rewards Card, you can earn an impressive 10 points (4 miles) per S$1 spend on online shopping and on all of your clothing, bags, shoes and fashion items–online, offline, locally and overseas. This flexibility makes it easy to earn on a wide variety of spend, up to 4,000 miles/month (worth about S$40). Other spend earns 0.4 miles per S$1, so this is best suited to frequent & online shoppers. There is a S$192.6 annual fee, but it’s waived the 1st year. Overall, Citi Rewards Card is a great option if you want to earn miles for online spend and wherever you make your fashion purchases.

If you frequently shop retail, both fashion and otherwise, OCBC Titanium Rewards Card offers top rewards online, offline, locally and overseas–and even has a fee-waiver. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, department stores, and electronics, plus with some of the most popular online retail merchants in Singapore–Amazon, Alibaba, Lazada, Qoo10 & many more. Some competitors limit rewards to just fashion retail. Additionally, OCBC Titanium Card comes with a fee waiver after just S$10,000 spend–another feature not offered by competitors. Ultimately, if you want to earn miles from all of your retail spend and avoid a fee, OCBC Titanium is the card for you.

DBS Woman’s World Card is a great option for primarily online shoppers who like to make big purchases and pay for them over time. Cardholders earn 4 miles per S$1 spend on online shopping and 0.4 miles per S$1 general spend, up to 8,000 miles/month total–which is double the cap of competitor shopping credit cards.

In addition, cardholders have access to the DBS My Preferred Payment Plan, which splits transactions of at least S$100 across up to 12 months, with no interest and no processing fee. Most plans charge fees of up to 5% of the transaction amount. DBS Woman’s World Card also stands out because its S$192.6 fee is waived with S$25,000 annual spend. Overall, this credit card is excellent if you frequently shop online and make big purchases.

Miles-seeking Lazada loyalists should look no further than Citi Lazada Card. Consumers not only receive an incredible 4 miles (10pts) per S$1 spend on the platform, they're also eligible to receive S$1.99 shipping rebates on purchases of S$50+ (up to 4x/month). While this may seem minor, each rebate can translate to up to 4% cashback on the corresponding purchase. Cardholders can also earn 2 miles (5pts) per S$1 spend on local dining, entertainment, travel and transport.

While these miles rates are impressive–especially given there's no minimum spend requirement to start earning–total rewards are capped at just 4,000 miles (10,000pts) per month. This translates to about S$40 value-to-consumer. Nonetheless, avid online shoppers can max out their rewards with as little as S$1k spend. As a result, Citi Lazada Card is a great option for platform loyalists who spend about S$1k monthly on retail goods from Lazada.

The BOC Qoo10 World Mastercard is an excellent choice for low-spending consumers who want to earn rewards for their Qoo10 & other online purchases. With just S$800/month minimum spend, cardholders earn a 3% rebate on entertainment, fast food, online, and overseas spend. In addition to these perks, individuals earn a 10% rebate on their Qoo10 purchases & a 15% rebate on public transport transactions (SBS/SMRT buses & MRT), while all other purchases earn a 0.3% rebate. For individuals who may not meet the minimum monthly spend, this card also offers rewards rates at a lower spend requirement. With S$400 minimum spend, individuals can earn a 3% rebate on Qoo10 purchases and 0.3% on every other transaction.

This card has a somewhat high annual fee of S$203.30, however, if a cardholder maxes out the rewards for just 3 months, they will be able to offset the cost of the credit card. The monthly earnings cap for rewards is S$70, comprising a S$30 cap on Qoo10 purchases, and S$40 for all other purchases. Overall, this credit card offers both average and low spending consumers the ability to earn rewards on their Qoo10 purchases.

While not a straightforward shopper card, UOB One Card has one of the highest general rebate rates on the market, so you can earn cashback on all spend–online and offline. Cardholders with a stable S$2,000/month budget earn up to 5% cashback, up to S$300/quarter, boosted to 6% on utilities bills and 10% on Grab & UOB Travel. Lower spenders earn 3.33% up to S$50 or S$100/quarter, depending on minimum spend level.

UOB One Card is also compatible with multiple mobile pay apps, like Google Pay, Apple Pay, UOB Mighty & more. Cardholders can earn the same rebates for mobile payments as they would with their physical credit card. As a result, it’s even more convenient to earn on all spend with UOB One Card.

Finally, cardholders also enjoy access to UOB SMART$ Programme, which offers additional rebates with popular merchants throughout Singapore. With UOB One Card, it’s easy to earn top market rates on all of your spend with minimal effort, even just by paying with your phone.

DBS Live Fresh Card is great for tech-friendly consumers who prioritise convenience. Cardholders earn 5% rebate for online & contactless transactions after S$600 minimum spend, making it easy to earn on essentially all purchases. Even more, the card has EZ-Link functionality. This allows cardholders to consolidate their wallets and enjoy all-in-one convenience. Finally, it’s worth mentioning that rewards are capped at S$60/month, so this may be a better fit for lower spenders. Overall, DBS Live Fresh Card stands out for optimal convenience and high rates for online & contactless transactions.

If you're a young traveller and don't mind flying exclusively with SIA, consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 on general local and overseas spend, boosted to 3 miles for transactions with SIA, SilkAir, Scoot and KrisShop. Even better, those who spend at least S$500/year with SIA (equal to 2-3 ASEAN flights, on average) earn an elevated 3 miles per S$1 on dining, transport, online travel bookings & online fashion shopping. This is ideal for young adults with budgets concentrated in these areas, especially those who often shop online.

In terms of perks, KF UOB Card favours practical flyers. Cardholders enjoy privileges with Scoot airlines, a low-cost carrier, including free baggage allowance upgrades, complimentary standard seat selection, priority check-in & boarding and booking flexibility waivers. Consumers also receive S$15 in vouchers for Grab rides to and from Changi Airport as well as for ChangiWiFi. Cardholders even receive a S$20 rebate with S$100 nett spend on a single transaction at KrisShop, which offers a variety of fashion, make-up, wellness and other products. To round it all off, KF UOB Card also provides consumers with 10,000 bonus renewal miles every year. This annual bonus, worth about S$100, offsets the S$192.6 annual fee, making KrisFlyer UOB Card especially affordable.

If you want to both shop and pay bills online, there’s no better option than HSBC Revolution Card. Cardholders earn 2 miles per S$1 online spend, including everything from retail transactions to travel bookings, bill pay and food orders. There’s no minimum spend requirement or rewards caps, so you can immediately earn cashback when you spend online. Cardholders also earn 2 miles per S$1 on local dining & entertainment, so you’ll also earn on social spend.

Another benefit of HSBC Revolution Card is that it comes with a fee-waiver. After just S$12,500 annual spend, cardholders are exempt from the S$160.5 fee. Ultimately, if you want a miles-earning credit card for both social and practical spend, online and offline, HSBC Revolution Card is one of the best options available.

OCBC Frank Card is the best online shopping credit card for young adults because it has one of the lowest minimum spend requirements on the market and even comes with a fee-waiver. After just S$600 offline spend, cardholders earn 6% for their online, FX, and mobile contactless purchases. The online rebate covers everything from fashion & travel to taxi bookings & ticket purchases. Even more, retail purchases through PayPal are rebate-eligible; most credit cards exclude Paypal spend from earning rewards.

OCBC Frank Card also stands out for having an easy fee-waiver. With just S$10,000 spend–less than S$1,000/month–cardholders are exempt from the already low S$80.0 fee. The closest competitor’s fee is nearly double this amount and is also non-waivable. Ultimately, if you want access to high rebate rates for online shopping, but want to avoid high minimums and annual fees, OCBC Frank Card is an excellent credit card for consideration.

UOB YOLO Card, while stylized for young adults, offers some of the best rewards rates on the market for social spenders of all ages. Cardholders earn up to 8% cash back on weekend dining, entertainment, Grab, and select UOB Travel (3% on weekdays), plus 3% rebate on online fashion & travel, all after S$600 minimum spend.

UOB YOLO Card also comes with several benefits tailored to younger cardholders. Such privileges include 1-to-1 dining & drink specials, discounted movie tickets, nightlife privileges and more. And, while there’s a S$192.6 annual fee, it’s waived 1-year. Ultimately, UOB YOLO Card is a great option for weekend spenders seeking social & entertainment privileges.

If your budget is close to S$300–S$500/month, chances are minimum spend requirements are keeping you from earning meaningful cashback. With Standard Chartered SingPost Spree Card, however, you can earn 3% cashback on foreign online & vPost transactions, 2% on local online & contactless transactions and 1% on general retail–all without any minimum requirements. Cardholders also have access to discounts on packaging and shipping, making online overseas shopping (such as through sites like Amazon) even more rewarding. If you’re a lower spender and still want to earn higher rates for online and contactless spend, SC SingPost Spree Card is the best option for you.

The BOC Qoo10 Platinum Mastercard offers great rewards rates for low-budget young adults who want to earn on everyday & Qoo10 purchases. At a very low minimum spend of S$200, individuals can earn a 3% rebate on their Qoo10, transport, fast food, entertainment, online and overseas transactions. Additionally, cardholders will earn a 10% rebate on transportation transactions (limited to SBS/SMRT buses and MRT). This credit card also offers a general spend rate of 0.3% on all other purchases. Rebates are given in the form of Qmoney, where S$1= 1 Qmoney, which will be credited to your Qoo10 account.

There is a somewhat low earnings cap of S$30 (S$10 for Qoo10 purchases and S$20 for all other transactions), however with such a low minimum spend, consumers can earn rewards sooner than other cards. Overall, the BOC Qoo10 Platinum card offers low-spending consumers the opportunity to earn rewards on their purchases at a low minimum threshold.

With CIMB Visa Signature Card, cardholders can maximise cashback on discretionary spend, with a 10% rebate on online fashion spend, beauty care, pet expenses, and transactions with cruise lines (though groceries, a more functional category, is also rewarded). Earnings are capped at S$20/month for each individual category, which can be easily maxed out by S$200 spend. Essentially, this means CIMB Visa Signature Card is a great fit if you have a small-to-medium size online shopping budget, and also spend in a few other leisure categories.

Cumulatively, cardholders can earn up to S$100/month after an S$800 minimum spend, though this requires high spend in every rewards category. Nonetheless, those who only occasionally spend in these categories may still benefit as CIMB Visa Signature Card has no annual fee, and therefore is low-maintenance and low-risk.