Best Credit Cards for Wedding Expenses 2018

Weddings in Singapore can easily cost S$16,000 to S$50,000, if not more. Therefore, you could benefit from using a credit card without a cap on rebates or strict spending requirements. Below, we compare the best credit cards for wedding expenses.

Table of Contents

Best Miles Credit Card for Wedding: Citibank PremierMiles Visa Card

Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks

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

In general, miles credit cards are great for wedding expenditures because they don't cap their rewards as do cashback cards. Among them, Citi PremierMiles Visa Card is one of our favorite because it offers a simple to understand 1.2 miles for S$1 spent locally (2 miles per S$1 spent overseas), which matches most of the top offers in the country. Not only that, Citi PMV Card provides even more features like welcome cashback bonus, complimentary lounge access and travel insurance, and access to Citi Privileges globally, which can be quite useful when you go on your honeymoon. When you pay the annual fee of S$192.6, you can also receive 10,000 miles every year as you renew your card. Citi Miles can be redeemed at over 60 airlines and 8,000 hotel properties, so you can use the miles for almost any trip.

Highlights

  • Annual fee: S$192.6, waived 1st year
  • 1.2 miles for S$1 spent locally, 2 miles for S$1 spent overseas
  • Up to 10 miles per S$1 spent on online travel booking sites like Kaligo and Agoda
  • Complimentary travel insurance
  • Priority Pass Membership for free lounge access
  • Access to Citi Privileges globally
  • 14% off petrol spend at Shell & Esso
  • Promotion: Spend S$7.5k in 3 months and pay annual fee to receive 21,000 miles
  • Bonus: 10,000 miles when you pay the annual fee and renew
  • Read Our Full Review

Best No Annual Fee Miles Credit Card: DBS Altitude Visa Card

Consider this if you a good miles credit card with an easily waived annual fee

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

DBS Altitude Card is an amazing miles credit card to use on a variety of wedding expenses. With it, you can earn 1.2 miles for every S$1 of local expenditure and 2 miles for every S$1 of overseas expense, which is one of the best offers available. Not only that, DBS waives this card's annual fee of S$192.6 for those who spend more than S$2,000 a month (or S$25,000 per year). Also, it comes with a few features like 2 complimentary lounge visits annually, which can come handy for your honeymoon. Hence, if you value annual fee waivers over bonus mile awards, DBS Altitude could be a great way to earn miles without the burden of paying the annual cost.

Highlights

  • Annual fee: S$192.6, waived when you spend at least S$25,000 a year
  • Option to earn 10,000 bonus miles when paying the annual fee to renew
  • 1.2 miles for S$1 of local spend and 2 miles for overseas spend
  • 3 miles for S$1 spent on online travel bookings
  • Up to 10 miles per S$1 spent on online travel booking sites like Kaligo and Expedia
  • 14% discount on petrol at Esso
  • Complimentary travel insurance: S$1mn in accident & death
  • 2 Complimentary Global Airport Lounge Access visits per year
  • Promotion: 1 chance to win 2 SIA suites class tickets for every S$500 spend (5x for travel bookings)
  • Read Our Full Review

Best for Bonus Mile Award: American Express Singapore Airlines KrisFlyer Card

Consider this if you want to earn a lot of bonus rewards like miles and airline credit

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

American Express Singapore Airlines KrisFlyer Card is a great miles card for those who want extra bonus miles for their honeymoon planning. First, it provides up to 14,000 KrisFlyer miles as a bonus for new customers who meet certain conditions like expenditure amount. On top of this, it adds 1.1 mile per S$1 spent locally and 2 miles per S$1 spent overseas or with Singapore Airlines for your travel bookings. With another S$150 cashback to use with Singapore Airlines when you spend S$12,000 on the card, this card provides the most welcome bonuses for people who have an occasion like weddings that require a heavy amount of expenditures.

Highlights

  • Annual fee: S$176.55, first year fee waived
  • 1.1 miles per S$1 of local spend, 2 miles per S$1 spent with Singapore Airlines
  • 2 miles per S$1 spent overseas in June and December
  • 3.1 KrisFlyer miles per S$1 spent on Grab and Uber rides
  • Access to American Express Selects
  • Promotions: Up to 20,000 bonus KrisFlyer Miles when you spend S$5,000 in the first 3 months
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • 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

Best High-End Miles Card for Wedding: Standard Chartered Visa Infinite Card

Consider this if you earn at least S$150,000, want to earn miles on your wedding expenses and receive numerous travel benefits for your honeymoon

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000

Standard Chartered Visa Infinite Card is the best high-end travel card. First, its 1.4 miles per S$1 spent locally and 3 miles per S$1 spent overseas is the highest in Singapore. Furthermore, Standard Chartered Visa Infinite Card provides plethora of other travel perks like HHonor Gold status, complimentary travel insurance, 6 complimentary lounge access per year, and discounts for golf clubs, Grab rides, yacht rentals and private jet usages, all of which could be used to create a fantastic honeymoon without spending excessively. If you can handle S$588.6 of annual fee, there's no better way to earn miles and travel perks while preparing for your wedding.

Highlights

  • Annual fee: S$588.6
  • 1.4 miles and 3 miles for every S$1 spent locally and overseas, respectively.
  • 0% instalment payment plan: no fees and earn rewards for up to 36 months
  • Hilton HHonor Gold status, complimentary VIP lounge access, and Gold Class Infinite Experience Package (i.e. discounts for golf clubs, yachts and private jets)
  • 20% cashback and more on Grab rides globally
  • Welcome Bonus: Welcome bonus of 35,000 miles (or 15,000 miles and a Samsonite 28" luggage)
  • Read Our Full Review

Best Air Miles Card for Luxury Travel Perks: Citi Prestige MasterCard Credit Card

Citibank Prestige Mastercard Card

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

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

Just as the name suggests, Citi Prestige MasterCard Card is the best luxury miles credit card with prestigious benefits. While its mile rewards isn't the highest compared to other luxury cards (1.3 miles per S$1 spent locally and 2 miles per S$1 spent overseas), it comes with some fantastic travel perks like unlimited complimentary 4th night at any hotel, unlimited lounge access and complimentary travel insurance. Also, this card's miles rewards can actually be extremely high for Citigold members whose rewards increase by 30%.

Highlights

  • Annual fee: S$535
  • Annual income requirement: S$120,000
  • 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
  • Special benefits at Four Seasons and Ritz Carlton around the world, unlimited complimentary 4th night at any hotel
  • Unlimited Airport Lounge VIP Access
  • Complimentary travel insurance
  • Promotion: Annual bonus of up to 25,000 miles when you pay the annual fee
  • Read Our Full Review

Best Hotel Perks for Staycations in Singapore: American Express Platinum Reserve Credit Card

American Express Platinum Reserve Credit Card

Consider this if If you want big discounts at high end hotels in SIngapore

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000

While American Express Platinum Reserve Credit Card's mile rewards are below average, it stands out because of its generous hotel rewards. For instance, this card provides complimentary "2 day, 3 nights" hotel stay every year at more than 20 Fraser Hospitality hotels worldwide. Not only that, this card can get you very cheap room nights at hotels like Amara Sanctuary Resort Sentosa, Hotel Fort Canning and The Quincy for about S$150 to S$190 nett. Throw in various 50% discounts at hotel restaurants in Singapore, you can use the card to enjoy some fabulous staycations in Singapore for very cheap. However, this card's inherent points reward of 2 points per S$1.6 spent is extremely low, and is equivalent to roughly 0.7 miles per S$1 spent.

Highlights

  • Annual fee: S$535
  • 2 rewards points per $1 spent (equivalent to roughly 0.69 miles per S$1 spent)
  • Free 3 day 2 night stays at over 20 Fraser Hospitality hotels worldwide
  • Special hotel room rates in Singapore under American Express Near-Away
  • Complimentary travel insurance
  • Complimentary in-flight Boingo Wi-Fi
  • Complimentary Tower Club membership (S$1,450/year value)
  • Promotion: 50,000 Membership Rewards points with minimum spend of S$5,000 in first 6 months of Card Membership (roughly equivalent to 27,778 miles)

Best for Wedding Related Shopping: Citi Rewards Visa Card

Consider this if you want to maximise miles rewards on wedding related shopping expenses

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

If you are looking to earn a lot of miles on your wedding purchases, Citi Rewards Visa Card could be a good option to consider. While most shopping cards limit their rewards to predesignated stores or online retailers, Citi Rewards card provides 4 miles for every dollar you spend on shopping online, offline and even in foreign countries. However, this card won't be good for any other wedding expenses, which receives 0.4 miles per S$1.

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 department stores in Singapore
  • Up to 14% off on petrol at Esso and Shell

Best No-Fee Shopping Card: OCBC Titanium MasterCard Credit 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

In our opinion, OCBC Titanium MasterCard Credit Card is a great miles card for active shoppers, especially those want to avoid paying the high annual fees. After its major rebranding in 2016, it is providing equivalent mile awards as Citi Rewards credit card: both cards now provide 4 miles for every S$1 spent on shopping, and 0.4 miles for S$1 spent on all other things. In 2018, OCBC is also unique in extending the 4 mile offer to every dollar spent on mobile payment platforms like Apple Pay and Android Pay. Not only that, OCBC Titanium Card is actually cheaper than Citi Rewards Credit Card because its annual fee of S$192.6 is waived for 2 years, and waived in subsequent years as long as you spend at least S$10,000 on the card annually, while its chief competitor waives its fee for only 1 year.

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 Unlimited Cashback with Amex Perks: American Express True Cashback Card

Consider this if you spend more than S$5,000 per month and want American Express's services

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

American Express True Cashback Card is a great flat rate cashback card that combines value and convenience. First, it provides an unlimited cashback of 1.5% on everything, which is a great feature for those who have to spend a lot of money at once for their wedding related expenditures. Not only that, Amex boosts your cashback to 3% during the first 6 months. Given American Express's renown for its high quality customer service, Global Dining Program and Global Assistance, this card could be a particularly good fit for high income individuals. Lastly, Amex True Cashback Card has no cap on cashback or monthly spend requirement, making it extremely easy to use.

Highlights

  • Annual fee: S$171.2, waived for the 1st year
  • Unlimited 1.5% cashback locally
  • Foreign exchange transaction fee: 2.5%
  • No cap on cashback or monthly spend requirement
  • Promotion: 3% cashback rewards rate boost for the first 6 months for up to S$5,000 of spend
  • Bonus: 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

Highest Unlimited Cashback Rewards: Maybank FC Barcelona Visa Signature Card

Consider this if you spend more than S$5,000 per month and want to avoid paying an annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000 for Malaysians; S$60,000 for Others

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 similar 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
  • 1.6% cashback on everything
  • 0.8 miles per S$1 spent on foreign currency transactions
  • Foreign exchange transaction fee: 2.75%
  • No cap on cashback or monthly spend requirement
  • No monthly minimum spend & Online price guarantee
  • Bonus: Chance to win a free trip for 2 to FC Barcelona Live game every season
  • Promotion: Receive a complimentary Samsonite Orfeo 69cm Spinner worth S$420 when you apply for 2 Maybank Credit Cards and CreditAble
  • Read Our Full Review

Unlimited Cashback & 0% Instalment Plan: Standard Chartered Unlimited Cashback Card

Consider this if you can spend more than S$5,000 per month and need a good 0% instalment plan

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

Standard Chartered Unlimited Cashback Card is an excellent unlimited cashback card for people who need to divide their wedding cost into several payments over time. Not only does it offer an unlimited rebate of 1.5%, it also provides a unique 0% interest instalment plan that provides the same rewards on your instalment payments. Therefore, if you are looking to earn rebates while also reducing the financial burden of paying for your wedding upfront, this card could be an excellent choice.

Highlights

  • Annual fee: S$192.6, 2 Year Waiver
  • 1.5% unlimited cash back on all your expenditure
  • 0% instalment payment plan: no fees and earn rewards for up to 36 months
  • 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

Best Cashback Card for Affluent Consumers: HSBC Advance Credit Card

Consider this if you either make S$3,500 per month, have S$30,000 of cash savings or have a home loan with HSBC

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

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 they can find. For them, this card combines a flat rate cashback of 3.5% with a perpetual waiver of its annual fee, making it an 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 Banking status.

Highlights

  • Annual fee: S$192.6, waived for Advance Customers
  • Rebate: Up to 3.5% of cash rebate for HSBC Advance Customers (1.5% for non-Advance customers)
  • 16% discount on petrol at Shell and Caltex
  • Welcome Bonus: A Samsonite Astra 55cm luggage (worth S$350) or S$100 cash back for new customers (S$50 for existing customers)
  • Read Our Full Review

Compare the Best Wedding Credit Cards

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

Wedding Credit CardsHighlightAnnual Fee
Citi PMV1.2 miles/S$1, welcome cashbackS$192.6Learn More
DBS ALtitude1.2 miles/S$1, annual fee waiverS$192.6Learn More
Amex KrisFlyer1.1 miles/S$1, bonus milesS$176.55Learn More
SC Visa Infinite1.4 miles/S$1, travel perks like hotel upgrade, lounge, etc.S588.6Learn More
Amex True CashbackUnlimited rebate of 1.5%S$171.1Learn More
Maybank FC BarcelonaUnlimited rebate of 1.6%, annual fee waiverS$120.0Learn More
SC Unlimited CashbackUnlimited rebate of 1.5%, 0% instalment planS$192.6Learn More
HSBC Advance3.5% rebate, no annual feeS$0.0 for AdvanceLearn More
Wedding Credit CardsHighlightAnnual Fee
Citi PMVLearn More1.2 miles/S$1, welcome cashbackS$192.6
DBS ALtitudeLearn More1.2 miles/S$1, annual fee waiverS$192.6
Amex KrisFlyerLearn More1.1 miles/S$1, bonus milesS$176.55
SC Visa InfiniteLearn More1.4 miles/S$1, travel perks like hotel upgrade, lounge, etc.S$588.6
Amex True CashbackLearn MoreUnlimited rebate of 1.5%S$171.1
Maybank FC BarcelonaLearn MoreUnlimited rebate of 1.6%, annual fee waiverS$120.0
SC Unlimited CashbackLearn MoreUnlimited rebate of 1.5%, 0% instalment planS$192.6
HSBC AdvanceLearn More3.5% rebate, no annual feeS$0.0 for Advance

Compare the Best Credit Cards for Wedding Expenses by Dollar Value

To help you find the best credit card to pay for your wedding, we have prepared a chart below organizing credit cards by 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget. There are also other "intangible" benefits like complimentary travel insurance and free access to airport lounges whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best credit cards for wedding expenditures compare to one another in terms of their rewards

*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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