Top 9 cashback credit cards in Singapore (2026 review)

Whether you are dining out at Newton Food Centre or booking a flight back home, the right card can turn everyday spending into meaningful savings.

That said, with a wide range of options available, understanding how different cards work is key to getting the most value. Cashback rates, foreign transaction fees, and spending requirements vary between providers. To simplify your search, we’ve reviewed the popular options based on fees, features, and cashback structures.

Top 9 Cashback credit cards for Singapore expats

We selected these 9 cards by evaluating products in the Singapore market. We prioritised cards with accessible income thresholds for Employment Pass (EP) holders (typically ranging from 40k to 90k SGD, with the most popular options sitting between 45k and 65k SGD), high rebate caps, and those that offer effective cashback rate for common spending categories.

Here’s a summary of 9 popular Singapore cashback credit cards side by side, looking at key features and fees. We’ve got more on each coming right up.

Card name	💡 Important fees to know	💱 Exchange rates and fees	🔑 Key benefits
DBS Woman’s World Card	– Annual fee – 196.20 SGD – Cash advance fee 15 SGD or 8%, whichever is greater	– Network exchange rate – Foreign transaction fee – 3.25%	– 10x rewards on online purchases, 3x rewards on overseas spend, 1x on everything else – Cashback: 50,000 points for 500 SGD credit
POSB Everyday Card	– Annual fee – 196.20 SGD – Cash advance fee 15 SGD or 8%, whichever is greater	– Network exchange rate – Foreign transaction fee – 3.25%	0.3% – 10 % cashback on spending, depending on category
UOB One Card	– Annual fee – 196.20 SGD – Cash advance fee 15 SGD or 8%, whichever is greater	– Network exchange rate – Foreign transaction fee – 3.25%	Up to 10% cashback based on minimum spend and spend category
Citi PremierMiles Card	– Annual fee – 196.20 SGD – Cash advance fee 15 SGD or 8%, whichever is greater	– Network exchange rate – Foreign transaction fee – 3.25%	– 1.2 miles per dollar on local spend, 2.2 miles on foreign spend – Cashback: 1,650 miles = 10 SGD
Standard Chartered Simply Cash	– Annual fee – 196.20 SGD – Cash advance fee 15 SGD or 8%, whichever is greater	– Network exchange rate – Foreign transaction fee – 3.5%	1.5% cashback on all spending, uncapped
OCBC Frank Credit Card	– Annual fee – 196.20 SGD – Cash advance fee 15 SGD or 8%, whichever is greater	– Network exchange rate – Foreign transaction fee – 3.5%	8% cashback on foreign spending and on SGD spend online, 2% additional cashback for select partner merchants
HSBC Revolution Credit Card	– No annual fee – Cash advance fee 15 SGD or 8%, whichever is greater	– Network exchange rate – Foreign transaction fee – 2.25%	2.5% cashback per dollar on online spend, up to 1 reward point per dollar on other spend
Mari Credit Card	– No annual fee	– Mari exchange rate – No foreign transaction fee	1.5% cashback on all eligible spend
Cashback Credit Card by Trust	– No annual fee – Cash advance fee from 1st February 2026 – 8% for withdrawals over 5 SGD	– Network exchange rate – No foreign transaction fee	1% cashback on all spending, rising to 15% on one selected category

DBS Woman’s World Card

💡 Great for: 10x rewards on online purchases which you can convert for cashback, miles and more

⭐ Key features:
Annual or monthly fees	Annual fee – 196.20 SGD
Exchange rates and conversion fees	Network exchange rate Foreign transaction fee – 3.25%
Benefits	10x rewards on online purchases, 3x rewards on overseas spend, 1x on everything else. Cashback = 50,000 points for 500 SGD credit

Pros of DBS Woman’s World Card	Cons of DBS Woman’s World Card
✅Very high reward earning on online spend ✅Range of options to convert points – including cashback and also miles ✅Additional promotions on dining and shopping with DBS partners ✅Manage your card in the DBS Digibank app	❌Annual fee applies ❌Foreign transaction fee used on all overseas spending ❌Some caps apply on cashback offers

POSB Everyday Card

💡 Great for: 10% cashback on food delivery, Malaysian ringgit (MYR) spending and local public transport, with minimum 0.3% on all other spend

⭐ Key features:
Annual or monthly fees	Annual fee – 196.20 SGD
Exchange rates and conversion fees	Network exchange rate Foreign transaction fee – 3.25%
Benefits	0.3% – 10 % cashback on spending, depending on category

Pros of POSB Everyday Card	Cons of POSB Everyday Card
✅10% cashback on categories like food delivery ✅Minimum cashback of 0.3% ✅Various cashback redemption options including Paylah! ✅Promotions for new customers	❌Cashback depends on spend type ❌Overseas spending has extra fees ❌Annual fee of 196.20 SGD

UOB One Card

💡 Great for: Variable cashback based on spend amount, up to 10% for people who use the card regularly

⭐ Key features:
Annual or monthly fees	Annual fee – 196.20 SGD
Exchange rates and conversion fees	Network exchange rate Foreign transaction fee – 3.25%
Benefits	Up to 10% cashback based on minimum spend and spend category

Pros of UOB One Card	Cons of UOB One Card
✅Get up to 10% cashback depending on card use ✅Cashback on utilities and partner merchants available ✅Increase interest payments on paired UOB savings account when you spend ✅Extra perks and partner offers	❌Highest cashback for high spenders only ❌Overseas spending costs an extra 3.25% ❌Annual fees apply, along with interest and possible penalty fees

Citi PremierMiles Card

💡 Great for: Flexible reward earning – take as miles or convert to cashback if you prefer

⭐ Key features:
Annual or monthly fees	Annual fee – 196.20 SGD
Exchange rates and conversion fees	Network exchange rate Foreign transaction fee – 3.25%
Benefits	1.2 miles per dollar on local spend, 2.2 miles on foreign spend Cashback – 1,650 miles = 10 SGD

Pros of Citi PremierMiles Card	Cons of Citi PremierMiles Card
✅Choose miles or cashback depending on preference ✅Higher earning when you travel ✅Travel and lifestyle benefits included ✅Mastercard member perks available	❌Minimum income required of 30,000 SGD – 42,000 SGD ❌Foreign transaction fee applies when you spend overseas ❌Interest and penalties may apply depending on how you spend

Standard Chartered Simply Cash

💡 Great for: Simple cashback offer on all spending at a flat rate of 1.5%

⭐ Key features:
Annual or monthly fees	Annual fee – 196.20 SGD
Exchange rates and conversion fees	Network exchange rate Foreign transaction fee – 3.5%
Benefits	1.5% cashback on all spending, uncapped

Pros of Standard Chartered Simply Cash	Cons of Standard Chartered Simply Cash
✅1.5% cashback on all spending ✅Earning is uncapped ✅Welcome gifts for new customers ✅New customers also get Caltex vouchers	❌High foreign transaction fee of 3.5% ❌Annual fee and cash advance fees apply ❌Interest may apply depending on card use

OCBC Frank Credit Card

💡 Great for: Up to 10% cashback on select spending

⭐ Key features:
Annual or monthly fees	Annual fee – 196.20 SGD
Exchange rates and conversion fees	Network exchange rate Foreign transaction fee – 3.5%
Benefits	8% cashback on foreign spending and on SGD spend online, 2% additional cashback for select partner merchants

Pros of OCBC Frank Credit Card	Cons of OCBC Frank Credit Card
✅Maximum cashback of 8% on foreign and online spend ✅Additional 2% cashback for select spend with partners ✅Particularly popular with younger users ✅Link to your FRANK account to keep on top of your money day by day	❌Annual fees apply ❌3.5% foreign transaction fee on overseas spend ❌Check for monthly spending thresholds to earn maximum cashback

HSBC Revolution Credit Card

💡 Great for: No annual fee, with high cashback earning opportunities for online spend

⭐ Key features:
Annual or monthly fees	No annual fee
Exchange rates and conversion fees	Network exchange rate Foreign transaction fee – 2.25%
Benefits	Earn 10X Reward points on eligible online spending (equivalent to up to 2.5% cashback) and 1X Reward points on other spend.

Pros of HSBC Revolution Credit Card	Cons of HSBC Revolution Credit Card
✅No annual fee ✅Relatively low foreign transaction fee ✅High rewards on online spending ✅Partner merchant discounts and rewards available ✅No minimum spend to earn points/miles	❌Interest and penalties may apply depending on how you spend ❌Overseas spending costs more than locally ❌Low earning/miles conversion on spend that’s not online

Mari Credit Card

💡 Great for: No annual fee, no overseas fee and flat rate cashback on spending

⭐ Key features:
Annual or monthly fees	No annual fee
Exchange rates and conversion fees	Mari exchange rate No foreign transaction fee
Benefits	1.5% cashback on local SGD spend with no minimum; plus 1.5% cashback on overseas spend up to S$1,500 per month; 0% FX fees from 1 Jan 2026.

Pros of Mari Credit Card	Cons of Mari Credit Card
✅1.5% cashback on all eligible spend ✅No ongoing fees ✅No foreign transaction fees when abroad ✅Simple card with Shopee benefits as well as cashback	❌Can’t be used in an ATM ❌Mari is a digital bank and doesn’t have a branch network ❌Some fees, like late fees, may still apply

Cashback Credit Card by Trust

💡 Great for: Select one category to earn a huge 15% cashback on spending, with 1% on everything else

⭐ Key features:
Annual or monthly fees	No annual fee
Exchange rates and conversion fees	Network exchange rate No foreign transaction fee
Benefits	1% cashback on all spending, rising to 15% on one selected category

Pros of Cashback Credit Card by Trust	Cons of Cashback Credit Card by Trust
✅Earn up to 15% on one selected category ✅Baseline cashback of 1% on all other spending ✅No annual fee ✅No foreign transaction fee	❌Eligibility rules apply ❌Cash advance costs of 8% (effective since Feb 2026) ❌Other fees can still apply if you pay late

How to choose a cashback credit card in Singapore for expats?

Key features to look for

The right card for an expat in Singapore is one that makes life easy at home and when you’re overseas. A good card can cut unnecessary costs and even reward you for the way you spend. Here are some features worth keeping in mind when comparing your options:

• No foreign transaction fees: Many Singapore credit cards charge an extra 2.5–3.5% when you pay in another currency. A card that waives this fee can save a noticeable amount when booking flights, shopping online from abroad, or spending in your home country.
• Competitive exchange rates: Some providers add hidden markups when converting between currencies. Cards that use exchange rates closer to the mid-market rate make sure more of your money goes where you want it.
• Global acceptance: Choosing a card on the Visa or Mastercard networks means you can rely on it almost anywhere in the world, from everyday purchases to withdrawing cash from an ATM.
• Travel benefits and protections: Extras like travel insurance, purchase protection, extended warranties, or airport lounge access can make a big difference if you’re often on the move.
• Reward programs that fit an international lifestyle: Cashback, frequent flyer points, or flexible rewards that can be used globally are useful if you split your time between countries.
• Easy account management and support: Having a card you can manage online or through an app is essential when you’re travelling. Look for 24/7 customer support and quick ways to freeze or replace your card if something goes wrong.

Understanding credit card fees for international spending

If you plan to use your Singapore credit card abroad, it’s worth getting familiar with the different fees that can sneak in. Even small percentages can build up quickly when you’re travelling or shopping online from overseas.

Foreign transaction fees: Many Singapore credit cards add a charge of around 2.5–3.5% when you make a purchase in another currency. For example, a 1,000 SGD hotel bill overseas could end up costing 1,035 SGD or more once the fee is added.

ATM withdrawal fees abroad: Taking out cash with a credit card usually comes with an extra fee, which is charged on top of any foreign transaction costs. In many cases, interest starts to accrue right away, so withdrawing cash this way is one of the most expensive options.

Hidden costs in exchange rate markups: On top of visible fees, some banks and providers use exchange rates that include their own margin. Instead of the fair mid-market rate, you may end up paying several dollars more for every transaction.

Dynamic currency conversion traps: You might be offered the choice to pay in Singapore dollars instead of the local currency when paying abroad. It feels convenient, but usually results in a poor exchange rate and extra charges. Choosing the local currency usually works out cheaper.

Annual fees vs. benefits: Some credit cards charge an annual fee in exchange for perks like travel insurance, purchase protection, or rewards. For expats and frequent travellers, the benefits can be worth it, but if you rarely use them you may be better off with a low- or no-fee card.

Pro-tip: Using a multi-currency account to complement credit cards

For many expats in Singapore, a credit card feels like the simplest option for managing spending at home and having a short trip to Batam. But when you factor in foreign transaction fees, exchange rate markups and interest on overseas cash withdrawals, the real costs can be high.

The Wise debit card offers a different approach. It isn’t a credit card, but for expats it can be a useful financial companion, giving you the freedom to spend and withdraw in multiple currencies without the hidden extras.

Wise debit card benefits

• Mid-market exchange rates with no hidden markups.
• Transparent fees – Wise currency conversion is from 0.26% vs. foreign transaction fees which can be 3% or more on credit cards.
• Global reach with one card that works in 150+ countries, without foreign transaction fees.
• Multi-currency support that lets you hold and manage 40+ currencies at once.
• Real-time control, with instant spending notifications, the ability to freeze or unfreeze your card, and budgeting tools in the Wise app.

Wise Asia-Pacific Pte Ltd is regulated by the Monetary Authority of Singapore (MAS) to conduct regulated activities and provide custodial services. Availability varies by location and eligibility. Fees and rates apply and may change. See pricing details.

Step-by-step credit card selection process for expats

1. Assess your spending patterns: Think about where most of your money goes. If you travel frequently, a card with no foreign transaction fees and travel perks may save the most. If you shop locally, a rewards program that matches your day-to-day spending might be better value.
2. Calculate potential fees and savings: Add up the likely costs, including annual fees, foreign transaction charges and ATM fees. Balance these against the benefits, such as cashback or points, to see if the card really pays for itself.
3. Consider your credit history status: If you’re new to Singapore, you probably don’t have a local credit history yet. Some premium cards may be harder to qualify for until you’ve built up your record, so check eligibility before applying.
4. Evaluate additional benefits needed: Extras like travel insurance, purchase protection, or airport lounge access can be very useful, but only if you’ll actually use them. Make sure the perks align with your lifestyle.
5. Check eligibility requirements: Many providers have income thresholds or residency rules. Confirm what’s required so you don’t waste time applying for a card you’re unlikely to be approved for.

Questions to ask before applying

• What are the total costs of international spending, including fees and exchange rates?
• Do I qualify for this card based on my current income and credit history?
• What additional benefits will I realistically use, and which are just “nice to have”?

Application tips for expats

Applying for a credit card as a newcomer in Singapore can feel daunting, but understanding what lenders look for will help you prepare and boost your chances of approval.

Improving your approval chances

• Required documentation: Expect to provide valid ID such as a passport, visa, or driver’s licence. Most banks also require proof of address in Singapore, which can be a utility bill or a rental agreement.
• Income verification for expats: Lenders often need evidence of steady income, which may include recent payslips, an employment contract, or bank statements. Some banks are more flexible for newcomers, but being able to show stable earnings helps significantly.
• Address history requirements: Many applications ask for your residential history for the past two or three years. If you’ve lived abroad, be prepared to provide those details too.

Common rejection reasons

• Income verification issues: If your documents don’t clearly show reliable earnings, the bank may hesitate to approve your application.
• Address verification problems: Missing or incomplete proof of address is a common hurdle. Double-check your paperwork before applying.
• Too many recent applications: Submitting multiple credit card applications in a short time can hurt your chances, as it signals financial instability to lenders.

Building credit history as an expat

When you move to Singapore, one of the first financial hurdles you may face is building a local credit history. Your record from overseas typically won’t follow you, which means you start fresh in the eyes of Singapore lenders. This may feel frustrating at first (especially if you have an excellent credit rating back at home), but with a few simple steps, you can build a reliable profile that supports future applications for loans, credit cards, or mortgages.

One of the simplest ways to begin is with a credit card. By using it for everyday purchases and paying the balance in full and on time each month, you demonstrate that you can borrow responsibly. Over time, these good habits help to strengthen your credit score and improve your access to more competitive financial products.

If you’re not quite ready for a credit card, there are still plenty of other ways to lay the groundwork. Putting utility bills or internet contracts in your name, keeping up with mobile phone payments, or even taking out a small personal loan can all contribute to your financial record.

However, building up a credit history doesn’t just happen overnight. In most cases, you’ll need at least six months of consistent, positive activity before your score starts to take shape. But with steady payments and careful management, many expats find they can establish a strong credit profile within a year or two, opening doors to bigger financial opportunities in Singapore.

Managing your credit card abroad

Having a credit card can make life much easier when you’re travelling, but it’s also important to know how to use it wisely. A few small habits can save you money and prevent unwanted surprises while you’re away.

Best practices for international spending

• Pay in the local currency: Choosing to be charged in the currency of the country you’re in usually gives you the fairest exchange rate and avoids hidden conversion costs.
• Tell your bank before you travel: A quick note to your card provider about your trip can help stop your card from being declined due to suspected fraud.
• Check your spending often: Use your bank’s app or online banking to keep an eye on your transactions and quickly flag anything unusual.
• Keep emergency contact numbers handy: Store your bank’s emergency contact details somewhere safe so you can act quickly if your card goes missing.

Avoiding common pitfalls

• Dynamic currency conversion traps: Merchants or ATMs may ask if you’d like to be charged in Singapore dollars, but this usually comes with a poor rate. Choose the local currency instead.
• ATM fee accumulation: Frequent small withdrawals abroad can add up in fees from both your card provider and the local ATM operator.
• Overspending due to currency confusion: It’s easy to overspend if you’re not familiar with exchange rates. Keeping a rough conversion in mind helps stay on budget.
• Missing payment due dates while travelling: Missing a due date can impact your credit score in Singapore, so consider setting up an automatic payment for at least the minimum amount due.

Frequently asked questions

Can I get a Singapore credit card as a new expat?

Yes, many banks in Singapore welcome newcomers, though eligibility often depends on your visa type, income and whether you have a local address.

What documents do I need to apply for credit cards in Singapore?

If you’re applying as a foreigner you’ll need your passport, employment pass or similar, proof of address and income. You may need to have at least 6 months left on your work pass in order to apply.

How can I minimize costs when spending abroad?

Check your card provider’s foreign transaction fee and exchange rate. Using cards with no FX fees or a multi-currency debit card.

Conclusion

Choosing a cashback credit card in Singapore as an expat comes down to matching features and rewards with your own lifestyle and spending patterns. For many people that means picking a cashback credit card which pays you a percentage every time you spend. Ultimately though, the best option is the one that helps you manage money confidently at home in Singapore and when you head overseas.

It’s important to look past the headline offers and check the real costs. Foreign transaction fees, annual charges and exchange rate markups can make a noticeable dent in your finances. Comparing cards side by side makes it easier to spot where you’ll save money and which benefits will actually suit your needs.

This information is for general guidance only. If you’re unsure which financial product is right for you, consider seeking independent financial advice.

Useful Resources

• Wise – manage your money across borders easily
• DBS Woman’s World Card – earn cashback or miles as you spend
• POSB Everyday Card – best credit card for public transport with up to 10% cashback
• UOB One Card – popular cashback card in Singapore from a major local banks
• Citi PremierMiles Card – earn cash or miles depending on your preference
• Standard Chartered Simply Cash – cashback card with simple rebates based on spend value
• OCBC Frank Credit Card – one of the best credit cards for students in Singapore
• HSBC Revolution Credit Card – best credit card for online shopping with no annual fee
• Mari Credit Card – cashback credit card from a Singapore digital bank
• Cashback Credit Card by Trust – cashback credit card from a Singapore digital bank