With more than 50 credit card Singapore banks and digital financial institutions offer, choosing the right card can be challenging. The best option depends largely on your spending habits, travel frequency, and preference for rewards such as cashback, airline miles, or premium lifestyle benefits. Some cards excel at delivering simple, unlimited cashback on everyday purchases, while others reward frequent travellers with accelerated miles earning, airport lounge access, and travel insurance.
There are also no-fee cards designed for cost-conscious consumers who want straightforward rewards without annual charges. This guide compares the best credit card Singapore institutions offer for 2026, evaluating earn rates, fees, benefits, and overall value to help you identify the most suitable card for your financial goals and spending profile.
Quick Summary
Top picks at a glance:
- Best Cashback (Unlimited): OCBC INFINITY
- Best Miles (High Earner): UOB PRVI Miles
- Best Overall Flex: MariBank Credit Card
- Best Premium All-Rounder: HSBC Revolution Card
- Best No-Fee Option: Trust Bank Credit Card
| Card | Earn Rate | Annual Fee | Best For |
|---|---|---|---|
| OCBC INFINITY | 1.6% unlimited cashback | S$0 (waived 1st yr) | Cashback simplicity |
| UOB PRVI Miles | 1.4–3 mpd | S$192 | Frequent flyers |
| MariBank Credit | 1.5% unlimited cashback | S$0 | Zero-fee flexibility |
| HSBC Revolution | Up to 4 mpd (with account) | S$0 (some tiers) | Premium benefits |
Comparison Table (Last Updated: June 2026)
Methodology: Cards selected based on earn rates, accessibility (income requirements), and fee-to-value ratio. All terms verified on official bank websites, June 2026.
| Card | Local Earn | Overseas Earn | Annual Fee | Min. Income |
|---|---|---|---|---|
| OCBC INFINITY | 1.6% cashback | 1.6% cashback | S$0 | S$30,000 |
| UOB PRVI Miles | 1.4 mpd | 2.4 mpd | S$192 | S$60,000 |
| MariBank Credit | 1.5% cashback | 1.5% (first S$1.5k) | S$0 | S$24,000 |
| HSBC Revolution | 4 mpd (online) | 1.5 mpd | S$0–S$300 | S$60,000 |
| Citi PremierMiles | 1.5 mpd | 2.5 mpd | S$261 | S$60,000 |
How to Choose a Credit Card Singapore
The best card matches your spending habits and financial goals. Here’s the decision framework:
- Cashback vs. miles: Cashback is simpler (instant, no blackout dates). Miles suit frequent flyers able to strategically redeem for premium cabins (value SGD 0.015–0.025 per mile).
- Spend frequency: If you spend SGD 15,000+ annually overseas or on travel, a miles card with 2.4+ mpd typically outperforms 1.5–2% cashback cards on redemption value.
- Annual fee payback: An SGD 200 fee card must earn 200 ÷ (earn rate × average monthly spend). Example: SGD 2,000 monthly spend × 1.6% cashback = SGD 32/month; SGD 200 fee requires 6+ months to break even.
- Bonus categories: Cards with category boosts (dining, transport, online) appeal to spend concentrators. Generalist cards with flat rates suit diversified spending.
- Perks & insurance: Premium cards bundle travel insurance, lounge access, and concierge; assess true value vs. standalone purchases.
The 5 Best Credit Cards Singapore
1. OCBC INFINITY
Best For: Cashback purists seeking simplicity and zero annual fee
| Cashback Rate | 1.6% unlimited on all eligible spend |
| Annual Fee | S$0 (no waiver; permanently free) |
| Min. Income | S$30,000 |
| Annual Spend Needed | SGD 12,500 to earn SGD 200 (typical break-even) |
Pros:
- Truly unlimited: 1.6% on all spend, no category limits or monthly caps
- Zero annual fee; no fee-waiver drama year-to-year
- Instant, guaranteed cashback (no blackout dates or processing delays)
Trade-offs:
- No bonus categories; flat 1.6% means you lose out vs. category-specialized cards on dining or fuel
- No travel insurance or lounge access
2. UOB PRVI Miles
Best For: Frequent flyers earning 1.4–3 miles per dollar with non-expiring miles
| Earn Rate | 1.4 mpd local / 2.4 mpd overseas |
| Miles Expiry | Never (permanent; unlike most cards) |
| Annual Fee | S$192 |
| Sign-up Bonus | 15,000–40,000 miles (varies) |
Pros:
- Non-expiring miles: Accumulate indefinitely without deadline pressure
- Strong overseas earn rate (2.4 mpd); premium cabin redemptions achievable in 2–3 years of travel spending
- Competitive sign-up bonus (15,000–40,000 miles) offsets annual fee
Trade-offs:
- Annual fee (S$192) required; only justified for SGD 5,000+ annual spend
- Miles only valuable if you fly semi-regularly (minimum 1–2 trips/year)
3. MariBank Credit Card
Best For: Budget-conscious, low-maintenance spenders wanting zero fees and flat cashback
| Cashback | 1.5% unlimited local / 1.5% (first S$1.5k) overseas |
| FX Fee | 0% (none; best-in-class) |
| Annual Fee | S$0 |
| Issued by | MariBank (Sea Group digital bank) |
Pros:
- Zero annual fee; simple flat 1.5% cashback on all spend
- 0% FX fee on overseas spend (competitors charge ~3.25%)
- Clean digital onboarding via MariBank app; instant approval
Trade-offs:
- 1.5% cashback is below OCBC INFINITY’s 1.6%
- Overseas cashback capped at first S$1.5k/month; reverts to 0% beyond that
4. HSBC Revolution Card
Best For: High-earners seeking premium benefits with flexible points and lounge access
| Earn Rate | Up to 4 mpd (online) / 1.5 mpd (general) |
| Tier Unlock | Enhanced 8 mpd (online) with HSBC Everyday Global Account |
| Annual Fee | S$0 (various tiers) |
| Lounge Access | Priority Pass (varies by tier) |
Pros:
- Highest local earn rate (4 mpd on online spend) for reward-stacking
- Enhanced tier (8 mpd) available with linked HSBC Everyday Global Account (no minimum deposit)
- Upgraded to Visa Signature (April 2026); reinstated travel insurance benefits
Trade-offs:
- Min. income requirement S$65,000 (highest on this list)
- Points expiry: 3 years (shorter than UOB PRVI Miles’ never-expire model)
5. Trust Bank Credit Card
Best For: Minimal-fee overseas spenders with no-FX-fee requirement
| Cashback | 0.5% base / up to 1.5% category bonuses |
| FX Fee | 0% |
| Annual Fee | S$0 |
| Best For | Overseas spend without FX markups |
Pros:
- Zero FX fee: Crucial for frequent overseas spenders
- Zero annual fee; lowest cost entry to a digital bank credit card
- Seamless digital-first experience via Trust Bank app
Trade-offs:
- Earn rates (0.5–1.5%) lower than OCBC INFINITY and MariBank
- Minimal bonus categories; not optimised for high-spend categories
Best by Spending Profile
- Spend SGD 1,000–3,000/month: MariBank (1.5% cashback, 0 fee)
- Spend SGD 3,000–8,000/month: OCBC INFINITY (1.6% cashback, 0 fee)
- Frequent flyer (4+ trips/year): UOB PRVI Miles (1.4–3 mpd, non-expiring)
- Premium lifestyle: HSBC Revolution (4–8 mpd, lounge, insurance)
- Overseas traveller (minimal local spend): Trust Bank (0% FX fee)
FAQs
What’s the difference between cashback and miles?
Cashback is cash rebate on every purchase (instant, no conditions). Miles are airline-specific points redeemable for flights/upgrades (1 mile worth SGD 0.015–0.025 when redeemed for premium cabins). Miles reward frequent flyers; cashback suits everyone.
Can I earn cashback and miles at the same time?
Most credit card Singapore has either cashback or miles, not both. A hybrid strategy: use a cashback card for everyday spend (groceries, transport) and a miles card for travel/flight bookings. Many investors maintain both.
When should I apply for a credit card?
Apply during the card’s promotional sign-up bonus period (typically SGD 0–100 value or 15,000+ miles). Bonus locks in when approved; eligibility criteria unchanged. Check bank websites for current promotions.