Best Credit Card Promotions 2018

Since the word "credit card promotion" is one of the highest searched keywords on Google in Singapore, we know how much Singaporean consumers care about credit card promotions and bonuses. However, with so many cash rebate bonuses, gifts and mile awards being advertised by banks, it can be difficult to discern which is the best deal. Here, we have compiled a list of the best credit card promotions in Singapore to make your search easier. Read further to see which deals are available.

Best Citibank Credit Card Promotions

According to Citibank's website, they have total of 15 credit cards available in Singapore. Below, we feature some of the best promotions and welcome bonus offers from Citi in Singapore. While we continue to update our page with the latest offers from each bank, you should make sure to read the fine prints on the terms & conditions page for each promotion on the bank's website. Banks often impose various requirements for you to qualify for some of these promotions.

Best Air Miles Rewards Credit Card: Citi PremierMiles Visa Card

Citi PremierMiles Visa Card is one of our favorite travel cards for average consumers. It has a very good set of offers that includes great mile awards (1.2 miles for S$ spent locally) and bonus miles. As a promotion, Citi is offering an incredible bonus miles of up to 30,000 miles. If we were to value a mile at 1 cent, that's promotional bonus of S$300 (and more if you redeem your miles for business class or better). To earn this bonus, all you have to do is spend S$10,000 in the first 3 months. If you can't spend the S$10,000 in 3 months, you can still get 15,000 miles just by spending any amount of money on the card. Not only that, you can also receive 10,000 miles when you pay the annual fee to renew your card every single year.

Summary of Citi Premier Miles

  • Annual fee: S$192.6
  • 14% off petrol spend at Shell & Esso
  • Promotion: 15,000 when you spend within first 3 months + 15,000 miles when you spend a total of S$10,000 within first 3 months
  • Read Our Full Review
  • 1.2 miles for S$1 spent locally, 2 miles for S$1 spent overseas, 10x miles for online travel bookings
  • Complimentary travel insurance
  • Bonus: 10,000 miles when you pay the annual fee and renew

Best Miles Card for Shopping: Citi Rewards Visa Card

Citi Rewards Visa Card is one of the best miles rewards cards for shopping expenses. Citi Rewards card's 4 miles for every s$1 spent on shopping both online and offline is unmatched by any cards we’ve seen in this category. This is a big differentiating factor for this card because most other cards limit award miles for either online purchases or offline purchases at specific offline retail stores. While its 0.4 miles on other purchases is unimpressive, Citi nicely rounds up Citi Rewards' offer with a 14% discount on petrol.

Summary of Citi Rewards Card

  • Annual fee: S$192.6
  • Up to 14% off on petrol at Esso and Shell
  • Welcome Bonus: S$120 cash back
  • 4 miles (10 reward points) for every S$1 spent on shopping (including online), 8 miles (20 reward points) at select shops
  • Promotion: 8 miles per S$1 spent on Lazada and Amazon
  • Read Our Full Review

Best Rewards On Food: Citi Cash Back Card

Previously known as Citibank Dividend Card, Citi Cash Back Card is one of the best credit cards for cash rebate on all expenses related to food. This card's highlight is the 8% cashback on dining, grocery and Grab rides. For people who tend to eat out just as often as they cook at home, Citi Cash Back can help save money on all of their meals any time and wherever they eat. Though it doesn't provide benefits for entertainment, shopping and utility expenses, Citi Cash Back card still provides up to 20.88% off on petrol.

Citibank is currently providing a promotion of S$120 of cash rebate welcome gift. It also has a relatively high cap on monthly cash rebate of S$100. If you are looking for a way to save money on all your meals in and out of home, Citi Cash Back Card could be an excellent choice for you.

Summary of Citi Cash Back Card

  • Annual fee: S$192.6, first year waived
  • Up to 20.88% off on petrol at Esso & Shell
  • Promotion: S$120 cash rebate welcome gift
  • 8% cash back on grocery, dining and Grab rides
  • Relatively high cashback cap of S$100 a month
  • Read Our Full Review

Cashback Rewards and EZ-Link: Citibank SMRT Platinum Visa Card

Citibank SMRT Platinum Visa Card is another excellent card that provides cashback rewards and doubles up as an EZ-Reload card. The highlight of the card is probably its 7% cashback on groceries, one of the highest in Singapore. It also helps you to save some money on your morning or afternoon coffees with up to 15% rebate at various coffee chains like Starbucks.

Citi SMRT card is also more affordable than POSB Everyday Card because its annual fee of S$160.5 is waived for 2 years. This card functions perfectly well for those who commute daily on SMRT, enjoy coffee often and shop for groceries on their way back home from work. Currently, Citi is offering a welcome bonus promotion of S$120 cash rebate for new cardholders who apply online.

Summary of Citibank SMRT Platinum Visa Card

  • Annual fee: S$160.5, waived for 2 years
  • Promotion: S$120 welcome cash rebate
  • Rebates: up to 7% on groceries, up to 15% rebate on coffee, 2% on EZ-Reload Auto Top-Ups
  • Read Our Full Review

Best Luxury Travel Reward Miles Card: Citi Prestige MasterCard Credit Card

Just as the name suggests, Citi Prestige MasterCard Card is a luxury credit card with luxurious benefits. If you can stomach the S$535 of annual fee, there are plenty of reasons why you should consider getting Citi Prestige card. Its 1.3 miles for S$1 spent locally and 2 miles for S$1 spent overseas, which gets a boost of up to 30% if you are a loyal Citigold member. Other special benefits include SPG Gold Status, complimentary nights at hotels, and special deals and discounts at golf courses and resorts.

Not only that, Citi is offering an annual bonus of 25,000 miles every time you pay the annual fee as welcome and renewal bonuses. If you redeem these miles for business class or better (at least S$0.03 per mile), this promotional award can be significantly valuable even compared to the high annual fee of over S$500.

Summary of Citi Prestige MasterCard Credit Card

  • Annual fee: S$535
  • 1.3 miles and 2 miles for every S$1 spent locally and overseas, respectively, with the ability to boost your reward miles by up to 30% with a banking account with Citi
  • Unlimited Airport Lounge VIP Access
  • Promotion: Annual bonus of up to 25,000 miles when you pay the annual fee to renew
  • Annual income requirement: S$120,000
  • Special benefits at Four Seasons and Ritz Carlton around the world, unlimited complimentary 4th night at any hotel
  • Complimentary travel insurance
  • Read Our Full Review

Best DBS & POSB Credit Card Promotions

According to DBS and POSB's websites, they have total of 10 credit cards available in Singapore. In our opinion, the cards featured below represent the best credit card promotions from DBS and POSB. If you are interested in one of these cards, read on to find out which one is the best fit for you!

Best No Annual Fee Miles Credit Card: DBS Altitude Card

DBS Altitude Card is quite similar to Citi PremierMile Card, especially in terms of air mile rewards. You can earn 1.2 miles for every S$1 of local expenditure and 2 miles for every S$1 of overseas expense. Where they differ, however, is that DBS Altitude Card's annual fee of S$192.6 is waived if you maintain an annual spend of S$25,000. Hence, if you value annual fee waivers over bonus mile awards, DBS Altitude maybe the right card for you.

Summary of DBS Altitude Card

  • Annual fee: S$192.6, waived when you spend at least S$25,000 a year
  • 3 miles for S$1 spent on online travel bookings
  • Promotion: 2 Complimentary Global Airport Lounge Access visits per year

Best Online Shopping Cashback Card: DBS Live Fresh Card

DBS Live Fresh Card is easily the best cashback card one can get for online shopping needs in Singapore. It can help you save up to 10% on all your online and mobile transactions, especially if you shop often with some large merchants like Amazon, Lazada, Deliveroo, FoodPanda, Grab and Uber. Although DBS Live Fresh Card comes with a monthly minimum spend of S$600, we don't think this is a huge issue given the universal presence of e-commerce and mobile payment systems in Singapore. Its annual fee is also relatively low around S$128.4 and is also waived for 1 year.

Summary of DBS Live Fresh Credit Card

  • Annual fee: S$128.4, waived for 1 year
  • 5% additional rebate on online & mobile payments for 6 months (valid for accounts opened by 31 March 2018)
  • Read Our Full Review
  • 5% cashback on online transactions and mobile payments
  • Automatic enrollment for EZ-Reload

Best Cash Rebate Card for Health & Medical Expenses: POSB Everyday Card

POSB Everyday Card is one of the best credit card for moms. It has a diverse mix of rewards program: 20% of cashback on petrol, 5% on groceries and 3% off at cosmetics and pharmaceutical needs at Watsons, 3% on medical and bills and another 1% on monthly telco, SP services, cable TV and broadband bills. Not only that, it can also even double up as an EZ-Reload card, adding additional benefit of convenience. These characteristics make it one of the best cashback cards in the market for families, especially in terms of keeping them healthy. Lastly, its annual fee of S$192.6 is waived for the 1st year.

Summary of POSB Everyday Card

  • Rebates: 5% on groceries, 3% on health, beauty and medical expenses, 1% rebate on monthly telco, SP services, cable and broadband bill
  • Promotion: 5% rebate on all overseas spend (S$1,000 overseas spend in a month to qualify)

Best Standard Chartered Credit Card Promotions

According to Standard Chartered's website, they have total of 10 credit cards available in Singapore. The cards featured below, in our opinion, represent the best credit card promotions from Standard Chartered currently. If you are interested in one of these cards, read on to find out which one is the best fit for you!

Unlimited Cashback + EZ-Link: Standard Chartered Unlimited Cashback Card

Standard Chartered Unlimited Cashback Card is an excellent choice for people who are looking for a simple flat rate card to use. It offer an unlimited cash rebate of 1.5% for every dollar you spend on everything. In order to strengthen the simple appeal of having a flat rate credit card, it also has no minimum spending requirement and can double up as an EZ-Link Card. We think this is an ideal choice for those who want an easy way to earn a decent amount of cash rebate while avoiding annual fees (waived for 2 years) and simplifying their modes of payment for a variety of things.

Summary of Standard Chartered Unlimited Cashback Credit Card

  • Annual fee: S$192.6, 2 Year Waiver for its
  • No cap on cashback & no monthly spend requirement
  • Promotion: Up to S$120 in cashback for new customers (S$40 for existing customers)
  • Read Our Full Review
  • 1.5% cashback on everything
  • Doubles up as an EZ-Link Card
  • Bonus: 20% discount on Uber fares globally (max S$50 per month)

Best Cross-border Online Shopping Rebate Card: Standard Chartered SingPost Spree Credit Card

Standard Chartered SingPost Spree Credit Card is an online shopping rebate card with a few caveats. This card work decently for people who spend relatively little on online shopping because it is one of a few cards with no minimum spending requirement. Furthermore, this card can work well for people who like to shop with online retailers overseas, since it provides up to 3% of cashback on foreign currency online transactions & vPost purchases. It also offers a unique online price guarantee that makes sure you get the best price for anything you buy online. Its lack of minimum spend requirement and 2-year annual fee waiver make it very easy to manage along with other cards you may want to use for other categories like dining.

Summary of Standard Chartered Singpost Spree Credit Card

  • Annual fee: S$192.6, waived for 2y ears
  • No monthly minimum spend & Online price guarantee
  • Bonus: 20% discount on Uber fares globally (max S$50 per month)
  • Rebates: 3% foreign currency online purchases & vPost transactions, 2% on local online transactions, 1% on other retail transactions
  • Promotion: Up to S$120 welcome cash bonus for new customers
  • Read Our Full Review

Best Air Miles Card for Frequent Business Travelers: Standard Chartered Visa Infinite Card

Standard Chartered Visa Infinite Card is a high end travel card designed for frequent business travelers who spend a lot of time overseas. While 1.4 miles awarded for S$1 spent locally is already phenomenal, where SC Visa Infinite card outshines its peers is its 3 miles reward for S$1 spent overseas.

SC Visa Infinte Card also comes with luxurious perks like Hilton HHonor Gold Status, discounts on Uber discounts globally and discounts on golf clubs and private jets. For busy business travelers who have the money to spend but not much time for leisure, Standard Chartered Visa Infinite Card could help to squeeze every ounce of happiness and joy out of your time in style. Currently, Standard Chartered is running a promotion offer of 35,000 welcome bonus miles for new customers who apply online. Click the button above to get this deal quickly!

Summary of Standard Chartered Visa Infinite Card

  • Annual fee: S$588.6 and no waiver
  • Hilton HHonor Gold status, complimentary VIP lounge access & travel insurance, discounts for golf clubs, yachts and private jets
  • Bonus: 20% discount on Uber fares globally (max S$50 per month, 10% if spending under S$600 per month)
  • 1.4 miles and 3 miles for every S$1 spent locally and overseas, respectively.
  • Promotion: Welcome bonus of 35,000 miles (or 15,000 miles and a Samsonite 28" luggage)
  • Read Our Full Review

Best HSBC Credit Card Promotions

According to HSBC's website, they have total of 9 credit cards available in Singapore. Cards featured below represent the best promotions and welcome bonus offers from HSBC in Singapore. While we continue to update our page with the latest offers from each bank, you should make sure to read the fine prints on the terms & conditions page for each promotion on the bank's website. Sometimes, banks can impose various requirements for you to qualify for some of these promotions.

Best No-Fee Air Miles Rewards Credit Card: HSBC Revolution Card

HSBC Revolution Card is another no-fee credit card from HSBC. While its flat rate award is relatively weak at 0.4 miles per S$1 spent, HSBC Revolution Card grants 2 miles for every dollar spent on self-indulging activities like online shopping, dining and entertainment. With 2 miles per S$1 spent on categories like online spending, dining and entertainment, this card can help you earn more than S$500 worth of miles (i.e. 50,000 miles) in two years. What's more, HSBC Revolution gives 16% off on petrol and 10% off on travel bookings, so you can save even more money.

The fact that all of this comes for absolutely free is the greatest part of this deal from HSBC: though it does charge an annual fee of S$160.5, this fee is waived for the first 2 years for everyone, and subsequently waived for those who maintain an annual expenditure of just S$12,500 on the card. We think HSBC Revolution Card could be an excellent choice for young people who might be more conscious about costs but have an active shopping habit or social life, i.e. millennials, online shoppers and foodies. Currently, HSBC Revolution Card also comes with a promotional welcome offer of up to S$160 in cash rebate for new customers.

Summary of HSBC Revolution Card

  • Annual fee: S$160.5. waived for 2 years, and then waived in subsquently for annual spend of S$12,500
  • 16% off on petrol at Caltex & Shell
  • Welcome Bonus: American Tourister Caravan 70cm TSA luggage (worth S$260) + up to 5% cashback on online spends + S$20 cash rebate for supplementary card
  • Read Our Full Review
  • 2 miles on online spend (shopping and travel bookings), dining, and entertainment
  • Up to 10% off on travel bookings online
  • Promotion: Save up to S$10,000 with 1,000 Entertainer 1-for-1 deals

Cashback and Air Miles Rewards: HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card is a well-rounded credit card that earns both cashbakc and air miles as rewards. It is perfect for people with a moderate budget becasue HSBC waivers its S$180 annual fee for 2 years. Even after the 2nd year, the annual fee is waivered for those who maintain $12,500 of annual spending on the card. HSBC Visa Platinum card's cashback offer also covers some of the essential daily needs like groceries (5%), utilities (5%) and petrol (21%). Also, it can be used a travel card since it earns 0.4 miles for every dollar of expenditure. As a promotion, HSBC is currently providing a cashback relcome bonus of S$160 for new customers (S$90 for existing customers).

Summary of HSBC Visa Platinum Credit Card

  • Annual fee: S$192.6, waived for 2 years, subsequently waived for an annual spend of at least S$12,500
  • 2% cashback on dining
  • Welcome Bonus: American Tourister Caravan 70cm TSA luggage (worth S$260) + up to 5% cashback on online spends + S$20 cash rebate for supplementary card
  • Read Our Full Review
  • 5% cashback on grocery & utilities like Singapore Power, cable, internet and mobile bills
  • Up to 21% off on petrol at Shell and Caltex
  • Promotion: Save up to S$10,000 with 1,000 Entertainer 1-for-1 deals

Best No-Fee Cashback Card: HSBC Advance Credit Card

For people who are wealthy enough to qualify for HSBC's Advance Banking status, HSBC Advance Credit Card is likely the best no-fee cashback card in Singapore. HSBC Advance card combines a flat rate cashback of up to 3.5% with a perpetual waiver of its annual fee, making it one of the most cost-effective way to rack up savings over time. For high spenders, this card is especially rewarding because of its high cap on monthly rebate of S$125 vs. S$50-70 for most other cards. However, this card is not as effective for non-Advance customers, so we highly recommend that you read our detailed review to see if you can qualify for HSBC Advance program.

Summary of HSBC Advance Credit Card

  • Annual fee: S$192.6, waived for Advance Customers
  • 16% discount on petrol at Shell and Caltex
  • Promotion: Save up to S$10,000 with 1,000 Entertainer 1-for-1 deals
  • Rebate: Up to 3.5% of cash rebate for HSBC Advance Customers (1.5% for non-Advance customers)
  • Welcome Bonus: American Tourister Caravan 70cm TSA luggage (worth S$260) + up to 5% cashback on online spends + S$20 cash rebate for supplementary card
  • Read Our Full Review

Best Maybank Credit Card Promotions

According to Maybank's website, they have total of 10 credit cards available in Singapore. Below, we've meticulously selected 4 credit card promotion offers from Maybank currently available.

No Annual Fee Miles Card for Dining and Petrol: Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card is an excellent miles credit card designed for a moderate budget. For people who are conscious of paying the upfront annual fees that most rewards credit cards charge, Maybank Horizon Visa Signature Card waives its annual fee (S$150 per year) for anyone who spend just S$1,500 on the card every month (S$18,000 per year). Despite this easy fee waiver, Maybank Horizon Card's 3.2 reward miles for every S$1 you spend on dining or on petrol is practically one of the best deals we've seen for these two categories. You can also earn 2 to 3.2 miles per dollar on your travel bookings and on the money you spend overseas. By providing great mile award rates for your travel expense as well as your daily needs, Maybank Horizon 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
  • 3.2 miles for every S$1 spent on petrol, dining, taxi fares and hotel bookings via agoda.com/horizon
  • Bonus: Receive a complimentary Samsonite Orfeo 69cm Spinner worth S$420 when you apply for 2 Maybank Credit Cards and CreditAble
  • 2 miles for S$1 spent on air tickets, travel packages and foreign currency transactions
  • Complimentary access to selected VIP airport lounges & travel insurance
  • Read Our Full Review

Best Golf Credit Card: Maybank World Mastercard

Maybank World Mastercard is easily the best golf credit card in Singapore. That's because it provides its principal cardmember complimentary green fees all year around at 79 world-class fairways in 15 different countries, by far the best deal available for golfers in the country. Furthermore, avid golfers get to enjoy special 4Play 3Pay promotions with ferry rebate at The Els Club Malaysia. Not only that, it comes with mile and cash back rewards to cover a golfer's every major expenditure area: dining, petrol and travel expenses. Though this card comes with a relatively high annual fee of S$240, it's much cheaper to use than other luxury cards that come with worse golf privileges. In our estimation, Maybank World MasterCard's benefits are more than valuable enough to offset the annual fee for people who golf at least once or twice a month.

Highlights

  • Annual fee: S$240, 1 year waiver
  • 10X TREATS points (or 4 miles) per S$1 spent at select retail and dining establishments
  • Up to 20% savings at select SPG Hotel and Resorts restaurants
  • Bonus: Receive a complimentary Samsonite Orfeo 69cm Spinner worth S$420 when you apply for 2 Maybank Credit Cards and CreditAble
  • 2 complimentary green fees per month at 79 world-class fairways in 15 countries
  • 19.1% savings on petrol in Singapore (including the 4 miles per S$1 spent on petrol)
  • Complimentary VIP Access to JetQuay at Changi Airport
  • Read Our Full Review

Best No-Fee Card for Low Income Consumers: Maybank Platinum Visa Credit Card

Maybank Platinum Visa Card provides low-income consumers with an inexpensive way to earn credit card rewards on their everyday expenditures. First, it is one of a few cards in Singapore that actually charges no annual fee without any conditions. Secondly, it provides up to 3.33% in cash rebate for every dollar you spend in Singapore. Though it caps its total rebate at S$100 per quarter (S$400 per year), it's still one of the highest yielding cashback cards in the market for modest spenders with a monthly budget of around S$1,000.

Highlights

  • Annual fee: S$0, S$20 quarterly servicing fee waived if you use the card at least once every 3 months
  • Travel insurance coverage of up to S$500,000
  • Bonus: Receive a complimentary Samsonite Orfeo 69cm Spinner worth S$420 when you apply for 2 Maybank Credit Cards and CreditAble
  • Up to 3.33% cash rebate on all expenditures (max S$100 per quarter)
  • Promotion: Up to 3% cash rebate on foreign currency transactions
  • Read Our Full Review

Highest Unlimited Flat Rate Cashback: Maybank FC Barcelona Visa Signature Card

Maybank's FC Barcelona Visa Signature Card is an excellent choice for people who are looking for a combination of convenience of flat rate cards, high rewards rate and annual fee waiver. Maybank FC Barcelona Card's unlimited cashback is available at a rate of 1.6%, which is higher than 1.5% provided by its competing products. Not only that, this card's annual fee (S$120) is waived for simply charging S$10,000 on the card annually, while other cards tend to charge a relatively high fee of around S$180. While it doesn't come with a petrol discount, we think this card works perfectly well for those who are looking for the convenience of a unlimited cashback without the high cost.

Highlights

  • Annual fee: S$120, waived with S$10,000 of annual spend
  • 0.8 miles per S$1 spent on foreign currency transactions
  • No monthly minimum spend & Online price guarantee
  • Promotion: Complimentary Samsonite Orfeo Luggage worth S$420 with 2 Maybank credit cards and CreditAble
  • 1.5% cashback on everything
  • No cap on cashback or monthly spend requirement
  • Bonus: Chance to win a free trip for 2 to FC Barcelona Live game every season
  • Read Our Full Review

Cashback Rewards in Singapore and Malaysia: Maybank Family & Friends MasterCard Credit Card

Maybank Family & Friends MasterCard Credit Card is an ideal choice for people who frequently move between Singapore and Malaysia. Its cashback of 8% on petrol, transportation and groceries apply in both countries, providing the flexibility and versatility you need to save money in both countries. Maybank Family & Friends card is extremely easy to use due to its low annual fee and minim spend requirements.

Highlights

  • Annual fee: S$80, waived with S$12,000 of annual spend
  • Up to 9.3% rebate on groceries including merchant discount
  • Above rebates apply in both Singapore & Malaysia
  • Read Our Full Review
  • 8% rebate on transportation (taxis, bus and train rides), fast food delivery (i.e. foodpanda), and other retail transactions at special merchant outlets
  • Up to 20.88% savings on petrol including merchant discount
  • Promotion: Receive a complimentary Samsonite Orfeo 69cm Spinner worth S$420 when you apply for 2 Maybank Credit Cards and CreditAble

Best American Express Credit Card Promotions

According to American Express's website, they have total of 12 credit cards available in Singapore. Below, we discuss the best credit card promotion offers from Amex currently available in Singapore. Although we continue to update our page with the latest offers from each bank, you should always make read the fine prints on the terms & conditions page for each bank's website. Sometimes, these promotions come with various requirements for your to qualify for cash rebate or mile bonuses.

Flat Rate to Maximize Cashback Reward Dollars: American Express True Cashback Card

Flat rate cashback cards offer a nice way of dealing away with the complexity of handling multiple credit cards, and American Express True Cashback Card is an excellent choice for people who are looking for a simple flat rate card to use. On top of the 1.5% flat rate cash rebate on everything, Amex is running a promotion that boosts your rebate rate to 3% during the first 6 months of use. It is also one of the rare cards that has no cap on cashback you can earn and no monthly spend requirement, so you can earn as much cashback as you want as long as your budget is big enough.

Summary of American Express True CashbackCredit Card

  • Annual fee: S$171.2, waived for the 1st year
  • No cap on cashback or monthly spend requirement
  • Bonus 1: Get 1 chance for every S$50 spend on your card in each monthly draw to win 2 business class tickets to 12 destinations in the world (varies by month)
  • Bonus 3: S$80 NTUC Vouchers upon first spend on card
  • 1.5% cashback on everything
  • Promotion: 3% cashback rewards rate boost for the first 6 months for up to S$5,000 of spend
  • Bonus 2: Receive S$20 CapitaVoucher for each approved Supplementary Card
  • Read Our Full Review

Best for Miles Card Beginners: American Express Singapore Airlines KrisFlyer Card

American Express Singapore Airlines KrisFlyer Card is a great card for miles card beginners. Amex Singapore Airlines KrisFlyer card is easy to use because it doesn’t require additional fees or long processing time to redeem miles. If you are unfamiliar with how this works or don't want the trouble of navigating the redemption system, Amex KrisFlyer card is an excellent way of getting your feet wet.

It also provides a great reward of 1.1 mile per S$1 spent locally, 2 miles per S$1 spent overseas or on singaporeair.com and silkair.com for your travel bookings. Since Singapore Airlines and its subsidiary Silk Air have more than 40% market share of flights in Singapore, we don't think being limited to these two airlines will present material problems for most people. This card's annual fee is S$176.6 and is waived for the first year.

Summary of Amex KrisFlyer Card

  • Annual fee: S$176.55, first year fee waived
  • 2 miles per S$1 spent overseas in June and December
  • Access to American Express Selects
  • S$150 Cashback for use with Singapore Airlines when you spend S$12,000
  • Get 1 chance for every S$50 spend on your card in each monthly draw to win 2 business class tickets to 12 destinations in the world (varies by month)
  • Read Our Full Review
  • 1.1 miles per S$1 of local spend, 2 miles per S$1 spent on singaporeair.com, silkair.com, KrisShop and SilkAir SkyShop
  • 3.1 KrisFlyer miles per S$1 spent on Grab and Uber rides
  • Promotions: Up to 12,500 KrisFlyer Miles when you spend S$2,500 in the first 3 months
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • S$80 NTUC Vouchers upon first spend on card

Best UOB Credit Card Promotions

According to UOB's website, they have total of 15 credit cards available in Singapore. Below few cards represent the best credit card promotion offers from UOB currently available in Singapore, in our opinion. As some of these promotions come with various requirements for your to qualify for cash rebate or mile bonuses, you should always make read the fine prints on the terms & conditions page for each bank's website. At any rate, to help you keep up with the latest trends, we continue to update our page with the latest offers from each bank.

Luxury Air Miles Without the Luxury Fees: UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Credit Card provides an excellent opportunity to earn luxury mile awards without the luxury fee. While it only charges an annual fee of S$$256.8 (waived for the 1st year), it still other luxury credit cards with an offer of 1.4 miles for S$1 for local spend and 2.4 miles per dollar.

Given the low fee, however, UOB PRVI Miles card does come with less perks compared to the more expensive cards. Its promotion of 20,000 miles for people whoe spend S$50,000 on the card each year is also quite difficult to receive as it requires a S$4,000 of monthly expenditure. We think this card works quite nicely for people who want to earn high miles, and prefer low annual fee over perks like free lounge access or hotel rewards.

Summary of UOB PRVI Miles Card

  • One of the highest awards rates, 1.4 miles for S$1 spent locally, 2.4 miles for S$1 spent overseas, 6 miles on S$1 spent on travel
  • Annual fee of S$256.8, waived 1st year
  • Promotion: 12,000 welcome miles for new customers who spend S$4,000 within first 60 days (5,000 miles for existing customers)
  • Bonus: 20,000 loyalty miles every year with at least S$50,000 of spend on the card (exclusive to American Express version)

Highest Flat Rate Cashback: UOB One Card

We like UOB One Card because it provides up to 5% of flat rate cashback on all your expenditures. This translates to roughly S$2,257 of 2-year dollar value given that it charges an annual fee of S$192.6 (which is waived for the 1st year) and has a maximum cashback cap of S$100 per month. The only caveat is that you have to spend a certain amount around S$2,000 consistently every month. Not meeting this condition for even one month could lower your cashback significantly. Given this, we think UOB One is suitable for people who have very consistent monthly expenses, i.e. families with large and recurring or fixed expenditures. UOB is also providing a S$80 of cash rebate for new customers.

Summary of UOB One Card

  • Annual fee: $192.6, waived 1st year
  • Up to 24% discount on petrol at SPC and Caltex
  • Promotion: Up to S$120 of cash credit for new customers
  • Flat rate cashback of up to 5% (max S$100/month)
  • Extra interest income of up to 3.33% on your UOB One Savings account
  • Read Our Full Review

Best Cashback on Groceries: UOB Delight Card

UOB Delight Credit Card offers the best deal in Singapore for groceries. If you don’t mind buying house brands or private labels at Cold Storage, Giant and Guardian, UOB Delight Credit Card can save up to 18% off of your grocery bills. This is because it provides 8% off on groceries, and offers another 10% discount on house brands at aforementioned supermarkets. Nicknamed a “mom card” by some, UOB Delight Credit Card addresses other parts of family life with its 3% rebate on mass transit and utility bills.

UOB Delight Credit Card is also very cheap to use, only requiring S$85.6 of annual fee that is waived for the first year. UOB is also providing a S$80 cash welcome gift for new customers at this time. These characteristics, in our view, make UOB Delight card an ideal for any big families with a lot of fixed expenses on groceries and utilities to take care of every month.

Summary of UOB Delight Card

  • Annual fee: S$85.6, waived for the first year
  • Promotion: Up to S$120 of cash credit for new customers
  • Rebates: 8% on groceries, additional 10% on house brands, 3% on contactless transactions & monthly recurring bills
  • Read Our Full Review

Best OCBC Credit Card Promotions: OCBC Voyage

Perhaps the most distinguishing characteristic of OCBC Voyage card is its flexible mile redemption prgoram. It is the only card we have seen that allows you to redeem miles for any flight at any time, without a long process time or blacked out dates. Because OCBC Voyage will allow you to book your free flight last minute (as long as there is avaialbility on the flight), OCBC Voyage card is ideal for busy professionals who may not have much visibility into their schedule weeks in advance.

OCBC Voyage card also comes with great mile benefits like 2.3 miles for S$1 spent on dining or overseas (everything else receives 1 mile). Its slick alloy material sets it apart from other "luxury" travel cards in the market. Although it has a rather high annual fee of S$488, OCBC Voyage helps offset the cost with 15,000 welcome bonus miles and an opportunity to buy 150,000 miles for S$3,210 (S$0.02 per mile), which is a great deal if you can redeem it for business class flights or better.

Summary of OCBC Voyage

  • Annual fee: S$488, no waiver
  • Flexible miles redemption program that allows you to book any flight you want at anytime
  • Slick metal design
  • Promotion: Welcome bonus of 15,000 miles and ability to buy 150,000 KrisFlyer Miles for S$3,210 (S$0.02 per mile)
  • 1 mile per S$1 spent, 2.3 miles for S$1 spent overseas or on local dining
  • Unlimited VIP lounge access, complimentary travel insurance and free airport limo service
  • Read Our Full Review

Summary of Best Credit Card Promotionss 2017

In case you want a quick look at our picks, here are ValuePenguin's best credit card promotions for 2017.

BankCardPromotion ValueNote
CitibankCitibank Prestige MasterCardS$500
  • 25k miles for paying annual fee
Citibank PremierMiles Visa CardS$250
  • 15k miles when you spend within 3 months
  • 15k miles when you spend a total of $10,000 within first 3 months
  • 10,000 miles when you pay the annual fee and renew**
Citibank Rewards Card Visa, Cashback Visa, SMRT Platinum VisaS$120
  • S$120 cash rebate for new customers
  • Up to 7 free Grab rides
HSBCHSBC Advance Visa Platnium CardS$240
  • S$120 for new customers/S$60 for existing customers
  • S$20 for supplementary card
  • S$20 online application
  • S$80 when signing up for HSBC Advance banking relationship
HSBC Revolution Credit Card, HSBC Visa Platinum Credit CardS$160
  • S$120 for new customers/S$60 for existing customers
  • S$20 for supplementary card
  • S$20 online application
Standard CharteredStandard Chartered Visa infinite Credit CardS$500
  • 15,000 miles for people who spend S$12,000 in first 60 days
  • Welcome bonus of 35,000 miles (or 15,000 miles and a Samsonite 28" luggage)
Standard Chartered Unlimited Cashback Card, Standard Chartered Platinum Visa Credit Card, SingPost Platinum Visa Credit Card, Manhattan World MasterCardS$168
  • S$138 cashback for new customers
  • S$30 cashback on Apple Pay/Samsung Pay/Android Pay transactions
UOBUOB PRVI Miles American Express Card, Lady's Platinum Card, One Card, YOLO Card, Delight CardS$80
  • S$80 cash rebate for new customers
DBS/POSBPOSB Everyday Card, DBS Woman World MasterCard, Woman's Card, Black Visa Card, Live Fresh Visa CardS$100
  • S$100 cash rebate for new customers, S$70 for existing customers
DBS Altitude Visa Signature CardS$100
  • 10k miles when you spend S$1,000 per month for 2 months (10k for existing customers)
OCBCOCBC Voyage CardS$150
  • 15k miles when paying annual fee
  • American Express
  • American Express Singapore Airlines KrisFlyer Credit CardS$S$150
  • Up to S$150 in cash back at Singapore Airlines when you spend S$12,000 by 30 June 2017
  • American Express True Cashback CardS$75
  • Extra 1.5% cashback for first 6 months (upto S$5k of spend)
  • Visual Analysis of Credit Card Dollar Value

    To help you compare each cards more effectively, we have prepared a visual guide below that displays how much you can earn and save by using each card for 2 years in terms of dollar value*. These include cash rebates, air miles and promotions like sign up bonuses or spending bonuses. We also subtract any fee you have to incur like annual fees. These are only estimates based on an average person's spending habits, and you should read our reviews above to see if a card matches your spending habit.

    A graph displaying how best credit cards with promotions compare to one another in terms of their rewards
    Best Credit Cards with Promotions in Singapore

    Methodology

    *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.

    **To calculate the value of promotions, we simply add the cash rebate value, value of miles and bonus gifts. Given that we typically assume S$2,000 of monthly spend on the card when calculating dollar value of credit cards, we exclude promotions that require S$3,000 or more of monthly spend to qualify. For physical gifts like luggages, we take a 50% discount given that not everyone will be in need of a new luggage.

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