Best Credit Card Promotions in Singapore (Jul – Sep 2024): Citibank, DBS, HSBC, UOB, and More

This July, sign up for a credit card and you could walk away with a brand‑new all‑electric Mercedes-Benz EQB, a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000), a Sony HT-AX7 Portable Theatre System (worth $769)…and the list goes on.

Clearly, we’re spoilt for choice when it comes to credit card promotions these days. Banks offering credit cards in Singapore are competing so hard for new customers that they are practically raining Apple products, Nintendo Switches, ergonomic chairs, and other freebies on us. Even if you don’t see any item you want, some welcome gifts are just straight up cold, hard cash!

But which are the best credit card promotions in Singapore? Here are our top picks from Citibank, Standard Chartered, UOB, DBS, and more. 

 

Best Credit Card Promotions in Singapore (Jul 2024)

      1. An overview

      2. Citibank credit card promotions

      3. Standard Chartered credit card promotions

      4. CIMB credit card promotions

      5. UOB credit card promotions

      6. HSBC credit card promotions

      7. AMEX credit card promotions

      8. DBS credit card promotions

      9. POSB credit card promotions

      10. OCBC credit card promotions

      11. Credit card promotions—is there a catch?

 

An overview: Best credit card promotions in Singapore (Jul 2024)

Credit card 

Credit card promotion

Minimum spend

Promotion valid until

Citi Cash Back+ Mastercard, Citi Cash Back Card, Citi Rewards Card 

Your choice of gift:
5,040 SmartPoints OR
$300 cash via PayNow
Receive your gift in as fast as 5 weeks!

$500 (within 30 days)

7 Jul 2024

Citi PremierMiles Card + Citi Wealth First Account

Your choice of gift:
Apple iPad 9th Gen, 64GB + Apple Pencil 1st Gen (worth $660)
Sony HT-AX7 Portable Theatre System (worth $769)
$300 Cash via PayNow + $100 eCapita Vouchers
Receive your gift in as fast as 6 weeks!
Plus, stand a chance to win a Robinsons Luggage (worth up to $300).

$500 (within 30 days) on credit card + open Citi Wealth First account

7 Jul 2024

Standard Chartered Simply Cash Credit Card 

Your choice of gift:
4,250 SmartPoints OR
– Up to $350 cash via PayNow
Redeem your SmartPoints for any gift on our Rewards Store.

$1,000 (within 60 days)

7 Jul 2024

Standard Chartered Smart Credit Card

Your choice of gift:
1,890 SmartPoints OR
Up to $230 cash via PayNow
Redeem your SmartPoints for any gift on our Rewards Store.

$1,000 (within 60 days)

7 Jul 2024

Standard Chartered Rewards+ Credit Card

Standard Chartered Journey Credit Card

Up to 45,000 miles (with payment of annual fee) or 25,000 miles (annual fee waived) 

$3,000 (within 60 days)

31 Jul 2024

CIMB World Mastercard

$188 cashback

$988 spend within 60 days

31 Jul 2024

CIMB Visa Signature 

CIMB Visa Infinite

UOB One Card 

$350 cash credit (first 200 new-to-UOB customers)

$1,000 spend/month for 2 consecutive months

31 Jul 2024

UOB Lady’s Card

UOB Absolute Cashback Card

UOB EVOL Credit Card

Apple Watch SE 2nd Gen with CASETiFY Impact Band (worth S$453) for first 50 new-to-UOB credit card customers

$1,000 spend/month for 2 consecutive months

31 Jul 2024

UOB PRVI Miles Credit Card (MASTERCARD / VISA / American Express)

Up to 50,000 Welcome Miles

$1,000 spend/month for 2 months, annual fee payment, and SMS registration

31 Jul 2024

KrisFlyer UOB Card 

Up to 31,000 miles and first year annual fee waived

$2,000 spend within 60 days

31 Jul 2024

HSBC Revolution Credit Card

– New cardholders: Samsonite ZELTUS 69cm Spinner Luggage (worth $680) or $200 Cashback
– Existing cardholders: $50 Cashback

$500 spend from Card Account Opening Date to end of the following month + provide marketing consent.

30 Sep 2024

HSBC Visa Platinum Card

HSBC Advance Credit Card

HSBC Live+ Card

– New cardholders: Samsonite ZELTUS 69cm Spinner Luggage (worth $680) or $200 Cashback
– Additional $100 cashback with at least 1 qualifying charge
– Existing cardholders: $50 Cashback

$500 spend from Card Account Opening Date to end of the following month

30 Sep 2024

HSBC TravelOne Card

5,040 SmartPoints, which you can use to redeem any gift from our Rewards Store OR
$200 cash via PayNow

$1,000 from Card Account Opening Date to end of the following calendar month.

31 Jul 2024

American Express True Cashback Card

$130 cash via PayNow

$500 spend within first month

15 Jul 2024

American Express Platinum Credit Card

$300 cashback from AMEX in the form of Statement Credits ($200 cashback for existing cardholders)

$1,000 spend and annual fee payment within first month

23 Jul 2024

American Express The Platinum Card

98,000 Membership Rewards points (enough for a return trip to Auckland, New Zealand)

$8,000 minimum spend and annual fee payment within first 2 months

23 Jul 2024

American Express Singapore Airlines KrisFlyer Ascend Credit Card

$300 eCapitaVouchers and up to 17,000 KrisFlyer miles

$1,000 spend and annual fee payment within first month

23 Jul 2024

American Express Singapore Airlines KrisFlyer Credit Card

Up to 17,000 KrisFlyer miles

$1,000 spend within first month

23 Jul 2024

The American Express Singapore Airlines Business Credit Card

Up to 30,000 HighFlyer points (worth $285)

$3,000 spend and annual fee payment within 3 months

31 Jul 2024

DBS yuu Visa Card 

$388 cashback (new cardmembers) 

$800 spend within 60 days

15 Jul 2024

DBS yuu American Express Card

$388 cashback (new cardmembers)

$800 spend within 60 days

15 Jul 2024

$60 cashback (existing cardmembers)  

$300 spend within 30 days.

DBS Live Fresh Card

$388 cashback (new cardmembers)

$800 spend within 60 days

31 Jul 2024

​​DBS Altitude Visa Signature Card

Up to 53,000 miles

$3,000 spend and payment of annual fee within 60 days 

15 Jul 2024

​​DBS Altitude American Express Card

Up to 60,000 miles

DBS Vantage Visa Infinite Card

Up to 85,000 miles (new cardmembers) / 40,000 miles (existing cardmembers) 

$4,000 spend and payment of annual fee within 30 days

15 Jul 2024

POSB Everyday Card 

$388 cashback

$800 spend within 60 days

15 Jul 2024

OCBC 365 Credit Card, OCBC Rewards Credit Card, OCBC 90°N Card, OCBC 90°N Visa Card, OCBC INFINITY Cashback Card

1,890 SmartPoints or $200 cash via PayNow

$500 spend within 30 days

14 Jul 2024

 HSBC Live Your Adventure Lucky Draw!

Stand to win an all-electric Mercedes-Benz EQB or a round-trip Economy class ticket to Paris (in the form of 86,000 KrisFlyer miles) when you apply for an HSBC credit card from now till 30 Sep 2024!

Valid from now till 30 Sep 2024.

HSBC logo
HSBC logo

Online Promo

Up to 8% Cashback

HSBC Live+ Card

on Dining, Shopping and Entertainment

8% Cashback*

on fuel at Caltex and Shell gas stations in Singapore

5% Cashback*

on All Other Spends

0.3% Cashback*

Apply Now

More Details

Key Features

  • Enjoy up to 8% cashback* when you dine, shop and live your life, both locally and overseas.

    - 8% cashback* on dining, shopping and entertainment

    - 5% cashback on fuel at Caltex and Shell gas stations in Singapore

    - 0.3% cashback on other spends

  • Savour sweet deals of 15% discount at over 200 restaurants through our curated Live+ Dining Programme

  • Enjoy 1-for-1 dining, travel and lifestyle partners through your complimentary ENTERTAINER with HSBC app

  • Enjoy savings when you purchase movie tickets and HSBC's Movie Cards at any Golden Village multiplexes in Singapore.

    *Min. spend and other terms and conditions apply. Valid till 31 Dec 2024.

See all card details 

☆ MoneySmart x American Express Lucky Draw!

From now till 23 Jul 2024, stand a chance to win a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000) or a Samsonite Choca Spinner 68/25 Luggage (worth S$700) when you apply for selected Amex credit cards and meet the minimum spend criteria. T&Cs apply.

American Express logo
American Express logo

MoneySmart Exclusive

Unlimited Cashback

American Express True Cashback Card

on up to $5,000 spend in the first 6 months for new Card Members.

3.0% Cashback

all subsequent eligible purchases

1.5% Cashback

Cash Back Cap

Unlimited

MoneySmart Exclusive:

[MoneySmart Exclusive Offer | 1 to 15 July 2024]
Get S$130 Cash via PayNow when you apply for an American Express True Cashback Card and spend a min. of S$500 in Qualifying Spends within the first month of card approval! T&Cs apply.
 
[LUCKY DRAW | 1 to 23 July 2024]
Stand a chance to win a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000) or a Samsonite Choca Spinner 68/25 Luggage (worth S$700) when you meet the requirements in the MoneySmart x American Express Lucky Draw!  T&Cs apply.

Valid until 15 Jul 2024

Apply Now

More Details

Key Features

  • Unlimited & Immediate Cashback - No min spend and no cap on how much you earn. Get your cashback in the same month's statement.

  • 3% Cashback on all eligible purchases, up to $5,000 spend in the first 6 months for new Card Members.

  • 1.5% unlimited Cashback on all subsequent eligible purchases with no minimum spending and no earn cap.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

 

1. Citibank credit card promotion

Looking to sign up for a new Citibank credit card? Well, you’re in luck! This month, Citibank credit card welcome gifts include:

  • 5,040 SmartPoints—redeem them for any gift from our Rewards Store.

  • Apple iPad 9th Gen, 64GB + Apple Pencil 1st Gen (worth $660)

  • Sony HT-AX7 Portable Theatre System (worth $769)

Prefer cold, hard cash? You can also simply opt to receive $300 cash.

All you need to do is sign up for one of the following Citibank credit cards via MoneySmart and spend $500 within 30 days. Once you fulfil the minimum spend criteria, these gifts will be coming to you on the express train—receive your sign-up gift in as fast as 5 or 6 weeks!

There are 4 Citibank credit cards on promotion. Our top pick is the Citi Cash Back+ Mastercard, an unlimited cashback card with no monthly minimum spend.

Sponsored

Citibank logo
Citibank logo

MoneySmart Exclusive

FASTER GIFT REDEMPTION | Unlimited 1.6% Cashback

Citi Cash Back+ Card

Cash Back on Eligible Spend

1.6%

Min. Spend per month

S$0

Cash Back Cap per month

Unlimited

MoneySmart Exclusive:

[FASTER GIFT FULFILMENT]
Earn 5,040 SmartPoints or S$300 Cash via PayNow, in as fast as 5 weeks from meeting the S$500 spend criteria! T&Cs apply.
 
Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$110 on top of your earned SmartPoints.

Valid until 07 Jul 2024

Apply Now

Apply Now

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image
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image

More Details

Key Features

  • 1.6% cashback on your spend

  • No minimum spend required and no cap on cash back earned

  • Cash back earned does not expire

  • Redeem your cash back instantly on-the-go with Pay with Points or for cash rebate via SMS

  • With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Annual Interest Rate and Fees

Annual Interest Rate

S$196.20

S$98.10

First year annual fee waived

1% of the current balance plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is greater

25 days

Minimum Income Requirements

Singaporean/PR Minimum Income

S$42,000

Documents Required

SG Citizens or PRs

6 months

6 months

With Full Name and Address

Wireless Payment

MasterCard PayPass

Card Association

See all card details 

If you’d prefer a miles card, the Citi PremierMiles Card lets you earn Citi Miles that never expire.

Citibank logo
Citibank logo

Earn 2 Miles per S$1

Citi PremierMiles Card

Local Spend

S$1 = 1.2 Miles

All Foreign Currency Spend including Retail and Online

S$1 = Up to 2 Miles

Selected Online Hotel Bookings

S$1 = Up to 10 Miles

Read More

More Details

Key Features

  • S$1 = 1.2 Citi Miles on Local spend (no min. spend)

  • S$1 = 2 Citi Miles on Foreign currency spend

  • Earn 10,000 Citi Miles upon renewal of annual membership and payment of annual fee

  • Citi Miles never expire

  • Principal Cardholder gets to enjoy 2 complimentary visits every year to over 1,300 airport lounges worldwide.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Annual Interest Rate and Fees

Annual Interest Rate

S$196.20

S$98.10

1% plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is higher

25 days

Minimum Income Requirements

Singaporean/PR Minimum Income

S$42,000

Documents Required

SG Citizens or PRs

6 months

6 months

With Full Name and Address

Wireless Payment

MasterCard PayPass

Card Association

See all card details 

Here’s a summary of all the Citibank credit cards with ongoing promotions:

Citibank credit card

Key features

Promotion

Valid until

Citi Cash Back+ Mastercard

1.6% cashback that never expires. No minimum spend required and no cap on cashback.

Your choice of gift:
 5,040 SmartPoints OR
$300 cash via PayNow
Receive your gift in as fast as 5 weeks!
Spend criteria:
Spend a minimum of $500 in “Qualifying Spends” within 30 days from card approval date.

7 Jul 2024

Citi Cash Back Card

6% cashback on dining, 8% cashback on groceries and petrol.

Citi Rewards Card

10X Rewards on online purchases, ride-hailing and shopping.

Citi PremierMiles Card + Citi Wealth First Account

– $1 = 1.2 Citi Miles on Local spend and 2 Citi Miles on Foreign currency spend. Citi Miles never expire.
– Up to 7.51% interest on your Citi Wealth First Account

Your choice of gift:
– Apple iPad 9th Gen, 64GB + Apple Pencil 1st Gen (worth $660)
Sony HT-AX7 Portable Theatre System (worth $769)
– Up to $400 ($300 Cash via PayNow + $100 eCapita Vouchers)

Receive your gift in as fast as 6 weeks!
Plus, stand a chance to win a Robinsons Luggage (worth up to S$300).
Spend criteria:
Spend a minimum of $500 within 30 days on your credit card and open your Citi Wealth First account—no funding into the Citi Wealth First account is required for gift qualification.

7 Jul 2024

The Citibank SMRT Card does not have any ongoing promotions, but it’s a great choice for cashback on groceries, online shopping, and SimplyGo transactions.

Back to top

 

2. Standard Chartered credit card promotions

There are a few Standard Chartered credit card promotions ongoing this month that are all very enticing. It’s hard to pick the best, but the Standard Chartered Simply Cash Credit Card promotion comes up top in terms of cash value. This card is an unlimited cashback card with no cashback cap and no minimum spend.

Standard Chartered logo
Standard Chartered logo

MoneySmart Exclusive

1.5% UNLIMITED CASHBACK

Standard Chartered Simply Cash Credit Card

Cash Back on Eligible spend

Up to 1.5%

Min. Spend per month

S$0

Cash Back Cap per month

Unlimited

MoneySmart Exclusive:

Earn 4,250 SmartPoints or up to S$350 Cash via PayNow when you apply and spend a min. of S$1,000 in eligible transactions within 60 days from card approval date! T&Cs apply.
 
Use 4,250 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$189 on top of your earned SmartPoints.

Valid until 07 Jul 2024

Apply Now

More Details

Key Features

  • Flat 1.5% cashback rate for all eligible purchases

  • No cashback cap and no minimum spend

  • Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life Program

  • 1 year annual fee waiver, no minimum spend required

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Annual Interest Rate and Fees

Annual Interest Rate

S$196.20

S$0

First 1 year waived

S$50 OR 1% of principal / interest, fees & charges / overlimit amount / past due amount, whichever is higher

Available

Minimum Income Requirements

Singaporean/PR Minimum Income

S$60,000

Wireless Payment

Visa Contactless

Card Association

See all card details 

This month, you can also get up to 1,890 SmartPoints or up to $230 Cash via PayNow when you apply for the Standard Chartered Smart Credit Card or Standard Chartered Rewards+ Credit Card.

Standard Chartered logo
Standard Chartered logo

MoneySmart Exclusive

Earn up to 10X Rewards Points

Standard Chartered Rewards+ Credit Card

on Foreign Currency Spend

S$1= 10X Points

on Local Dining Spend

S$1= 5X Points

on All Other Spend

S$1= 1X Point

MoneySmart Exclusive:

Earn 1,890 SmartPoints or up to S$230 Cash via PayNow when you apply and spend a min. of S$1,000 in eligible transactions within 60 days from card approval date. T&Cs apply.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple AirPods Pro (2nd Generation) at only S$214 on top of your earned SmartPoints.

Valid until 07 Jul 2024

Apply Now

More Details

Key Features

  • 10X Rewards Points per S$1 spent in foreign currency, including online spends

  • 5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions

  • 1X Rewards Points per S$1 on all other spends

  • 1 year annual fee waiver, no minimum spend required

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

Standard Chartered logo
Standard Chartered logo

MoneySmart Exclusive

Up to 6% Cashback

Standard Chartered Smart Credit Card

Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.

6%*

Annual Fee

S$0

Minimum Spend

S$0

MoneySmart Exclusive:

Earn 1,890 SmartPoints or up to S$230 Cash via PayNow when you apply and spend a min. of S$1,000 in eligible transactions within 60 days from card approval date. T&Cs apply.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple AirPods Pro (2nd Generation) at only S$214 on top of your earned SmartPoints.

Valid until 07 Jul 2024

Apply Now

More Details

Key Features

  • 6%* cashback on your everyday spend at your favourite merchants across fast food dining, coffee and toast, digital subscriptions and on your daily commute (Bus/MRT). No minimum spend requirement. *T&Cs apply.

  • No Annual Fees ever

  • 3-month interest-free instalments with no service fees

  • Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life Program

  • Complimentary travel medical insurance - Have a peace of mind when you travel with complimentary travel insurance coverage of up to S$500,000. Simply charge your full travel fare to your card before you go abroad. Terms and conditions apply.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

Here’s a summary of all Standard Chartered credit card promotions this month:

Standard Chartered credit card

Key features

Promotion

Valid until

Standard Chartered Simply Cash Credit Card

1.5% unlimited cashback with no minimum spend

Your choice of gift:
– 4,250 SmartPoints
OR
– Up to $350 Cash via PayNow
Redeem your SmartPoints for any gift on our Rewards Store.
Spend criteria:
Spend a minimum of $1,000 in eligible transactions within 60 days of credit card approval.

7 Jul 2024

Standard Chartered Smart Credit Card

6% cashback on digital subscriptions, at fast food outlets and daily commutes 

Your choice of gift:
– 1,890 SmartPoints
OR
– Up to $230 Cash via PayNow
Redeem your SmartPoints for any gift on our Rewards Store.
Spend criteria:
Spend a minimum of $1,000 in eligible transactions within 60 days of credit card approval.

7 Jul 2024

Standard Chartered Rewards+ Credit Card

10X Rewards Points per S$1 spent in foreign currency, 5X Rewards Points per S$1 local dining spend

Standard Chartered Journey Credit Card

3 miles per S$1 spent on online Transportation, Food Delivery & Online Grocery transactions

Up to 45,000 miles with payment of annual fee and $3,000 spend within 60 days.
OR up to 25,000 miles with annual fee waived and $3,000 spend within 60 days.

31 Jul 2024

The other Standard Chartered credit cards don’t have ongoing sign-up promotions this month. Wondering what happened to the Standard Chartered X Card, with its infamous 100,00 miles sign-up promotion? The X card got X-ed, and has been replaced by the Standard Chartered Journey Credit Card.

Back to top

 

3. CIMB credit card promotion

There are 3 credit cards with an ongoing promotion to get $188 cashback for those new to CIMB credit cards.

The most accessible CIMB credit card is the CIMB World Mastercard, which has a $0 minimum spend per month. Note, however, that you’ll need to hit $1,00 a month to enjoy the card’s higher 2% unlimited cashback rate.

CIMB logo
CIMB logo

Online Promo

Unlimited 2% Cashback

CIMB World Mastercard

Unlimited Cashback on the following categories (Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods)

Up to 2%

Min. spend per month to qualify for 2% Unlimited Cashback

S$1,000

Cash Rebate cap

Unlimited

Apply Now

More Details

Key Features

  • 2% Unlimited Cashback on Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods.

  • 1%* Cashback on all other spends.

  • Access to Over 1,300 Airport Lounges via Mastercard Travel Pass App provided by Dragonpass

  • 50% Off Green Fees at golf courses across the region

  • No annual fees for life

  • Apply for up to 4 supplementary cards and have annual fees waived for all supplementary cards

  • Access to over 1,000 regional deals & discounts across Singapore, Malaysia and Indonesia

Annual Interest Rate and Fees

Annual Interest Rate

S$0

Free

Available

3% or S$50, whichever is higher

23 days

Minimum Income Requirements

Wireless Payment

Card Association

See all card details 

Here are all the CIMB credit card promotions:

CIMB credit card

Key feature(s)

Promotion

Valid until

CIMB World Mastercard

2% unlimited cashback on Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, Luxury Goods. No annual fees for life.

Up to $188 cashback with $988 spend within 60 days.

31 Jul 2024

CIMB Visa Signature

10% cashback on Beauty & Wellness, Online Shopping, Groceries and more, capped at S$100 per month and up to S$20 per category. Minimum spend S$800.

CIMB Visa Infinite

2% unlimited cashback on Travel, Overseas, Online Spend in Foreign Currencies with $2,000 minimum monthly spend.

Back to top

 

4. UOB credit card promotions

This month, UOB credit cards are doling out welcome gifts such as:

  • $350 cash credit 

  • Apple Watch SE 2nd Gen with CASETiFY Impact Band (worth S$453)

  • Up to 50,000 miles

The UOB card that excites me the most is the recently revamped UOB Lady’s Card. Available to both lady’s and gentlemen, the card lets you earn up to 25X UNI$ (equivalent to 10 miles per S$1) on a category of your choice—Travel, Dining, Beauty & Wellness, Family, Fashion, Transport, Entertainment—with no minimum spend. You can change your preferred category every quarter.

UOB logo
UOB logo

Online Promo

Earn up to 6 Miles per S$1

UOB Lady's Card

Base Earn Rate

S$5 = 1X UNI$ (or 2 miles)

Category of Choice

S$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1)

Min. Spend

S$0

Apply Now

More Details

Key Features

  • Up to 25X UNI$ for every S$5 spend (equiv. to 10 miles per S$1) on your preferred rewards category(ies) with no minimum spend required. Choose from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel.

  • 10X UNI$ (4 miles per S$1) + additional up to 15X UNI$ (6 miles per S$1) when you save with UOB Lady's Savings Account

  • Flexibility to change your Preferred Category(ies) Spending every quarter.

  • UOB Lady's LuxePay Plan 6 or 12-month installment plan with no interest or processing fees

  • Free e-Commerce protection for online purchases up to USD$200

  • Earn up to 6.0% p.a. interest with UOB One Account

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

With a 50,000 miles bonus, the UOB PRVI Miles Card offers one of the biggest miles promotion this month:

UOB logo
UOB logo

Online Promo

Earn up to 6 Miles per S$1

UOB PRVI MASTERCARD Miles Card

Local Spend

S$1 = 1.4 Miles

Overseas Spend

S$1 = 2.4 Miles

Selected Online Hotel and Flight bookings

S$1 = 6 Miles

Apply Now

More Details

Key Features

  • Earn 1.4 miles per S$1 local spend (UNI$3.5 per S$5 spend)

  • Earn 2.4 miles per S$1 overseas spend (UNI$6 per S$5 spend) including online shopping on overseas websites

  • Earn 6 miles per $1 spend (UNI$15 per S$5 spend) on major airlines and hotels booked through Expedia and Agoda via UOB PRVI Miles website

  • Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on bus and train rides

  • No minimum spend and no cap on earned miles

  • Complimentary Public Conveyance Personal Accident cover of S$500,000 and up to S$50,000 Emergency Medical Evacuation & Repatriation including illness due to COVID-19. T&Cs apply.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

Here’s a summary of all ongoing UOB credit card promotions this month:

UOB credit card

Key features

Promotion

Valid until

UOB One Card

Up to 10% rebate on McDonald’s, DFI Retail Group, Grab, Shopee, SP and more

Get $350 Cash Credit from UOB with $1,000 spend per month for 2 consecutive months (first 200 new-to-UOB credit card customers in Jul 2024)

31 Jul 2024

UOB Lady’s Card

Up to S$5 = 25X UNI$ (or 10 miles per $1) in your preferred category with no min. spend required.

UOB Absolute Cashback Card

1.7% limitless cashback with no minimum spend 

UOB EVOL Credit Card

10% cashback on Online, Mobile Contactless, Overseas in-store FX spend

Apple Watch SE 2nd Gen with CASETiFY Impact Band (worth S$453) with $1,000 spend per month for 2 consecutive months. Valid for the first 50 new-to-UOB credit card customers in Jul 2024.

31 Jul 2024

UOB PRVI Miles Credit Card (MASTERCARD / VISA / American Express)

$1 local spend = 1.4 miles; $1 overseas spend = 2.4 miles. No minimum spend and no cap on earned miles.

Up to 50,000 miles with $1,000 spend/month for 2 months, annual fee payment, and SMS registration.

31 Jul 2024

KrisFlyer UOB Card

$1 = 3 KrisFlyer Miles (with $800 annual spend on Singapore Airlines Group)
$1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases

Up to 31,000 miles and first year annual fee waived with $2,000 spend within 60 days.

31 Jul 2024

At the time of writing, the UOB Preferred Platinum Visa Card and UOB Visa Infinite Metal Card have no ongoing promotions.

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5. HSBC credit card promotions

It’s an exciting time for HSBC credit cards. They recently nerfed their HSBC Revolution Credit Card, but this nerf has been overshadowed by the release of their new lifestyle card, the HSBC Live+ Credit Card. With this card, earn 8% cashback on dining, shopping and entertainment from now till 31 Dec 2024. Plus, enjoy generous welcome bonuses:

  • Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) OR $200 Cashback when you charge $500 in Qualifying Transactions from your Card Account Opening Date to the end of the following month.

  • PLUS get additional $100 Cashback when you charge at least 1 Qualifying Transaction from your Card Account Opening Date to the end of the following month.

On top of that, apply for the HSBC Live+ Card and earn 20 chances in HSBC’s Live your Adventure Lucky Draw running from now till 23 Sep 2024. Earn 10 chances with other HSBC credit cards, and an additional 5 chances with every $500 spend on your HSBC credit card. You stand to win an all-electric Mercedes-Benz EQB and round-trip air tickets to Paris!

HSBC logo
HSBC logo

Online Promo

Up to 8% Cashback

HSBC Live+ Card

on Dining, Shopping and Entertainment

8% Cashback*

on fuel at Caltex and Shell gas stations in Singapore

5% Cashback*

on All Other Spends

0.3% Cashback*

Apply Now

More Details

Key Features

  • Enjoy up to 8% cashback* when you dine, shop and live your life, both locally and overseas.

    - 8% cashback* on dining, shopping and entertainment

    - 5% cashback on fuel at Caltex and Shell gas stations in Singapore

    - 0.3% cashback on other spends

  • Savour sweet deals of 15% discount at over 200 restaurants through our curated Live+ Dining Programme

  • Enjoy 1-for-1 dining, travel and lifestyle partners through your complimentary ENTERTAINER with HSBC app

  • Enjoy savings when you purchase movie tickets and HSBC's Movie Cards at any Golden Village multiplexes in Singapore.

    *Min. spend and other terms and conditions apply. Valid till 31 Dec 2024.

See all card details 

HSBC credit card

Key feature(s)

Promotion

Valid until

HSBC Revolution Credit Card

10X Reward points on selected online purchases and contactless payments. No minimum spend and no annual fee.

New cardholders: Samsonite ZELTUS 69cm Spinner Luggage (worth $680) or $200 Cashback
Existing cardholders: $50 Cashback
Qualifying criteria: Spend $500 from Card Account Opening Date to the end of the following month and provide marketing consent in the application form.

30 Sep 2024

HSBC Advance Credit Card

1.5% cashback on local and overseas purchases with no min. spend

HSBC Visa Platinum Card

5% cash rebate on local dining and groceries with minimum spend of S$600 monthly in a calendar quarter

HSBC Live+ Card

8% cashback on dining, shopping and entertainment; 5% cashback on petrol

New cardholders: Samsonite ZELTUS 69cm Spinner Luggage (worth $680) or $200 cashback
Existing cardholders: $50 cashback
Qualifying criteria: Spend $500 from Card Account Opening Date to the end of the following month and provide marketing consent in the application form.
Plus, get additional $100 cashback when you charge at least 1 Qualifying Transaction from Card Account Opening Date to the end of the following month.

30 Sep 2024

HSBC TravelOne Card

S$1 local spend = 1.2 miles; S$1 on foreign spend = 2.4 miles

5,040 SmartPoints, which you can use to redeem any gift from our Rewards Store OR
$200 cash via PayNow
Spend criteria: $1,000 from Card Account Opening Date to end of the following calendar month.

31 Jul 2024

There’s no current promotion for the HSBC Visa Infinite Credit Card.

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6. AMEX credit card promotions

This month, the juiciest Amex welcome promotion is the 98,000 Membership Rewards points you’ll earn with the American Express The Platinum Card—that’s enough for a return trip to Auckland, New Zealand!

American Express logo
American Express logo

MoneySmart Exclusive

Earn Membership Rewards Points that never expire

American Express The Platinum Card®

for every S$1.60 spent

Earn 2 Membership Rewards® points

for every S$1.60 spent with 10Xcelerator by Membership Rewards®

Earn 20 Membership Rewards® points

on Membership Rewards® Points

No Expiry Date

MoneySmart Exclusive:

[LUCKY DRAW | 1 to 23 July 2024]
Stand a chance to win a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000) or a Samsonite Choca Spinner 68/25 Luggage (worth S$700) when you meet the relevant spend criteria! T&Cs apply.
 
[American Express Welcome Offer | 1 to 23 July 2024]
New & Existing American Express cardholder can get 98,000 Membership Rewards® points (enough to redeem a Return Trip to Auckland, New Zealand*) when you pay the card's annual fee and spend a min. of S$8,000 within the 2 month of card approval! T&Cs apply.

Valid until 23 Jul 2024

Apply Now

More Details

Key Features

  • Enjoy S$400 Global Dining Credit every year to use at over 2,000 restaurants locally and around the world

  • Complimentary Access into Tower Club

  • Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass and International American Express Lounges

  • Be delighted with special rates and pleasant surprises worth up to S$800 when you stay at over 1,300 Fine Hotels + Resorts properties worldwide

  • Gain instant status to higher tiers of leading hotel loyalty programs such as the Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status

    ™
  • All Membership Rewards points never expire

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

Here are all the American Express credit card promotions this month:

American Express credit card

Key feature(s)

Promotion

Valid until

American Express True Cashback Card ☆

Unlimited 1.5% cashback (3% for first 6 months on up to $5,000 spend)

Get $130 Cash via PayNow with $500 spend within first month of card approval.

15 Jul 2024

American Express Platinum Credit Card ☆

$1.60 spend = 10 Points at participating Platinum 10Xcelerartor Partners / 2X Points on all other spend

$300 cashback from AMEX in the form of Statement Credits ($200 cashback for existing cardholders) with $1,000 spend and annual fee payment within first month of card approval.

23 Jul 2024

American Express The Platinum Card ☆

$1.60 spend = 2 Membership Rewards

98,000 Membership Rewards points (enough for a return trip to Auckland, New Zealand) with $8,000 minimum spend and annual fee payment within first 2 months of card approval.

23 Jul 2024

American Express Singapore Airlines KrisFlyer Ascend Credit Card ☆

$1 local spend = 1.2 KrisFlyer miles; S$1 spend on Grab = 3.2 KrisFlyer miles

$300 eCapitaVouchers and up to 17,000 KrisFlyer miles (enough for a return trip to Bali) with $1,000 spend and annual fee payment within first month of card approval.

23 Jul 2024

American Express Singapore Airlines KrisFlyer Credit Card ☆

$1 local spend = 1.1 KrisFlyer miles; S$1 spend on Grab = 3.1 KrisFlyer miles

Up to 17,000 KrisFlyer miles (enough to redeem a return trip to Bali) with a minimum spend of $1,000 within first month of card approval.

23 Jul 2024

The American Express Singapore Airlines Business Credit Card

Up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airlines Group flights

Up to 30,000 HighFlyer points (worth $285) with annual fee payment and $3,000 spend within 3 months of card approval.
Plus, enjoy up to $8,850 in Business Savings.

31 Jul 2024

☆ Selected AMEX credit cards are eligible for an exciting lucky draw—stand a chance to win a 3 Day 2 Night stay at Capella Ubud, Bali (worth up to USD4,000) or a Samsonite Choca Spinner 68/25 Luggage (worth S$700)! Here are the eligible cards and the respective lucky draw chances you can earn: 

  • The Platinum Card: Spend a minimum of $8,000 in “Qualifying Spends” within the first 2 months upon card approval and pay the annual fee of $1,744 to earn 10 chances.

  • Platinum Credit Card: Spend a minimum of $1,000 in “Qualifying Spends” within the first month upon card approval and pay the annual fee of $327 to earn 3 chances.

  • KrisFlyer Ascend Credit Card: Spend a minimum of $1,000 in “Qualifying Spends” within the first month upon card approval and pay the annual fee of $343.35 to earn 3 chances.

  • KrisFlyer Credit Card: Spend a minimum of $1,000 in “Qualifying Spends” within the first month upon card approval to earn 1 chance.

  • True Cashback Credit Card: Spend a minimum of $500 in “Qualifying Spends” within the first month upon card approval to earn 1 chance.

This month, the American Express CapitaCard does not have any ongoing promotions.

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7. DBS credit card promotions

The juiciest DBS credit card sign-up promotions this month are a $388 cashback promotion and a 85,000 miles promotion. The former applies to the DBS yuu Card

DBS logo
DBS logo

Online Promo

DBS yuu American Express® Card

at yuu merchants, with no min. spend and no cap

S$1 = 10X yuu Points

when you spend S$600 Qualifying Spend at yuu merchants in a calendar month
*
Bonus Rebate capped at S$78 per month

Additional bonus 26X yuu Points

on all other spend

S$1 = 1X yuu Point

Apply Now

More Details

Key Features

  • Enjoy 5% cash rebates/ 10x yuu Points at yuu merchants with no min. spend no cap

  • Earn additional bonus 13% cash rebates / 26x yuu Points on your yuu merchant spend when you hit S$600 total Qualified Spend in a calendar month

  • Earn 0.5% cash rebates / 1x yuu Point on all other spend

  • Great for daily essentials like groceries, dining, telco and recreation

  • yuu merchant includes: foodpanda, Gojek, Cold Storage, Giant, Guardian, BreadTalk, Toast Box, Food Republic, Food Junction, Mandai Wildlife Group and many more.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

DBS logo
DBS logo

Online Promo

DBS yuu Visa Card

at yuu merchants, with no min. spend and no cap

S$1 = 10X yuu Points

when you spend S$600 Qualifying Spend at yuu merchants in a calendar month
*
Bonus Rebate is capped at S$78

Additional bonus 26X yuu Points

on all other spend

S$1 = 1X yuu Point

Apply Now

More Details

Key Features

  • Enjoy 5% cash rebates/ 10x yuu Points at yuu merchants with no min. spend no cap

  • Earn additional bonus 13% cash rebates / 26x yuu Points on your yuu merchant spend when you hit S$600 total Qualified Spend in a calendar month

  • Earn 0.5% cash rebates / 1x yuu Point on all other spend

  • Great for daily essentials like groceries, dining, telco and recreation

  • yuu merchant includes foodpanda,Gojek, Cold Storage, Giant, Guardian, BreadTalk, Toast Box, Food Republic, Food Junction, Mandai Wildlife Group and many more.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

The DBS Vantage Visa Infinite Card comes with a fat miles welcome gift this month, but do note that this is not an entry-level miles card:

DBS logo
DBS logo

Online Promo

Miles or Cashback – you decide

DBS Vantage Visa Infinite Card

Local Spend

S$1 = 1.5 miles or 1.5% cashback

Overseas Spend

S$1 = 2.2 miles or 2.2% cashback

when you pay the Card's Annual Fee

25,000 Bonus Miles

Apply Now

More Details

Key Features

  • 1.5 miles or 1.5% cashback for every S$1 local spend

  • 2.2 miles or 2.2% cashback for every S$1 overseas spend

  • Switch your rewards flexibly between up to 2.2 miles per S$1 or 2.2% Cashback

  • Receive 25,000 bonus miles (in the form of 12,500 DBS Points) when you pay the annual fee of S$599.50 (inclusive of GST)

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

Here’s the full list of ongoing DBS credit card promotions:

DBS credit card

Key feature(s)

Promotion

Expiry

DBS yuu Visa Card 

5% Cash Rebate / 10x yuu Points with no minimum spend and no cap.

$388 cashback (new cardmembers) with $800 minimum spend within 60 days.

15 Jul 2024

DBS yuu American Express Card

$388 cashback (new cardmembers) with $800 minimum spend within 60 days / $60 cashback (existing cardmembers) with $300 minimum spend within 30 days.

15 Jul 2024

DBS Live Fresh Card

Up to 6% cashback on shopping and transport spend with $800 minimum monthly spend

$388 cashback (new cardmembers) with $800 minimum spend within 60 days.

31 Jul 2024

​​DBS Altitude Visa Signature Card

$1 spend on Agoda = Up to 4.3 miles in the form of DBS Points that never expire 

Up to 53,000 miles with $3,000 spend and payment of annual fee within 60 days 

15 Jul 2024

​​DBS Altitude American Express Card

Up to 60,000 miles with $3,000 spend and payment of annual fee within 60 days 

15 Jul 2024

DBS Vantage Visa Infinite Card

1.5 miles or 1.5% cashback per S$1 local spend; 2.2 miles or 2.2% cashback per S$1 overseas spend

Up to 85,000 miles (new cardmembers) / 40,000 miles (existing cardmembers) with $4,000 minimum spend and payment of annual fee within 30 days

15 Jul 2024

These other DBS credit cards do not have ongoing sign-up promotions:

A word on the DBS Woman’s and Woman’s World Card: Don’t be fooled by the name. You can apply for these cards no matter your gender.

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8. POSB Credit Card Promotion

The POSB Everyday Card is a straightforward cash rebates card with (strictly speaking) no minimum spend; certain bonus reward categories require you to spend above $800/month.

As the name suggests, you can apply for the POSB Everyday Card to make the most out of your day-to-day spending. The latest POSB Everyday Card promotion is as fuss-free as the card—$388 cashback when you apply and spend $800 within 60 days.

POSB logo
POSB logo

Online Promo

Earn Cash Rebates that Never Expire

POSB Everyday Card

Cash rebates on Online Food Delivery

Up to 10%

Cash Rebates on Groceries from Sheng Siong & RedMart

Up to 5%

Fuel Savings at SPC

Up to 20.1% + 2%

Apply Now

More Details

Key Features

  • Up to 10% cash rebates on your daily essentials when you dine, shop online or purchase groceries

  • 50% off family attractions and other exclusive deals

  • Save up to 20.1% on fuel at SPC

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Annual Interest Rate and Fees

Annual Interest Rate

S$196.20

S$98.10

First year waived

3.00% or S$50, whichever is higher

25 days

Minimum Income Requirements

Singaporean/PR Minimum Income

S$45,000

Wireless Payment

MasterCard PayPass

Card Association

See all card details 

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9. OCBC credit card promotions

There are 5 OCBC credit cards with sign-up promotions this month. The promotion mechanics are the same for all—earn 1,890 SmartPoints or $200 cash with $500 in minimum spend within 30 days. So, which card should you pick?

For the foodies, the OCBC 365 Credit Card earns you 5% cashback on everyday dining with a minimum monthly spend of $800.

OCBC logo
OCBC logo

MoneySmart Exclusive

High Spend on Dining

OCBC 365 Credit Card

Cashback on Everyday Dining
What is included in Everyday Dining?
Including Local, Overseas and Online Food Delivery

5%

with min. spend of $1,600 per month

Unlock up to $160 Cashback

with min. spend of $800 per month

$80 Cashback per month

MoneySmart Exclusive:

Earn 1,890 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$500 in qualifying spends within 30 days from card approval date. T&Cs apply.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.

Valid until 14 Jul 2024

Apply Now

More Details

Key Features

  • 5% cashback on everyday dining (including local, overseas and online food delivery)

  • 6% cashback on fuel spend at all petrol service stations locally and overseas

  • 3% cashback on groceries, land transport, online travel, recurring telco and electricity bills

  • 0.25% cashback on everything else

  • Min. spend of S$800 per month, with cashback capped at S$80 per month

  • Unlock up to S$160 cashback per month with a min. spend of S$1600 per month

  • 2 years fee waiver for principal card (S$194.40), subsequent years waived with min. spend of S$10,000 p.a.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

For a card that earns rebates you on a wider range of spend categories, consider the OCBC Rewards Credit Card for up to 4 miles per dollar at selected retailers.

OCBC logo
OCBC logo

MoneySmart Exclusive

Earn up to 4 miles per S$1 spent

OCBC Rewards Credit Card

on Eligible Local and Overseas Spend

S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)

on All Other Spend

S$1 = 1 OCBC$

Rewards to Miles Conversion

10 OCBC$ = 4 Miles

MoneySmart Exclusive:

Earn 1,890 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$500 in qualifying spends within 30 days from card approval date. T&Cs apply.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.

Valid until 14 Jul 2024

Apply Now

More Details

Key Features

  • Earn 15 OCBC$ for every S$1 spent at selected popular retailers (new ones every three months!)

  • Earn 10x OCBC$ (equivalent to 4 air miles) per S$1 spent on eligible online and retail purchases

  • 1x OCBC$ on all other eligible purchases

  • Additional 2% cash rebate at BEST Denki

  • E-Commerce Protection

  • First 2 years fee waiver for principal card (S$196.20 per year) and supplementary card (S$98.10 per year)

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

If you’re an avid traveller in the miles game, check out the OCBC 90°N Card for up to 7 miles per dollar on Agoda accommodations worldwide.

OCBC logo
OCBC logo

MoneySmart Exclusive

Earn Miles That Don't Expire

OCBC 90°N Card

on Agoda accommodations worldwide

S$1 = Up to 7 Miles

on Foreign Currency spend

S$1 = 2.1 Miles

on Local spend

S$1 = 1.3 Miles

MoneySmart Exclusive:

Earn 1,890 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$500 in qualifying spends within 30 days from card approval date. T&Cs apply.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.

Valid until 14 Jul 2024

Apply Now

More Details

Key Features

  • Designed with an LED light feature, the 90°N MasterCard Card lights up whenever you make a contactless payment.

  • Travel$ that do not expire - Convert Travel$ to loyalty points at 9 airline and hotel partner programmes.

  • Get cash rebates at up to 2.1% from your earned Travel$. No minimum spend and no caps

  • All online purchases on your OCBC 90°N Card come with e-Commerce Protection, which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

See all card details 

If you’re going to make a large purchase or just want a catch-all credit card you don’t need to think about before using, consider the OCBC INFINITY Cashback Card for an unlimited 1.6% cashback on practically any spend category (the usual culprits like taxes and insurance premiums don’t apply).

OCBC logo
OCBC logo

MoneySmart Exclusive

Earn up to 1.8% unlimited cashback

OCBC INFINITY Cashback Card

on eligible transactions

Earn 1.6% Cashback

Min. Spend

S$0

Cashback Cap

Unlimited

MoneySmart Exclusive:

Earn 1,890 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$500 in qualifying spends within 30 days from card approval date. T&Cs apply.
 
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.

Valid until 14 Jul 2024

Apply Now

More Details

Key Features

  • Earn 1.6% in unlimited cashback on transactions made in stores or online, locally or overseas.

  • No minimum spending required to earn cashback

  • No limit to the cashback you can earn

  • Cashback willl be credited automatically to your card account

See all card details 

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Credit card promotions—is there a catch?

With free AirPods Pro, ergonomic standing desks and thousands of miles raining down on us, you might be wondering: Is there a catch to all these freebies?

Truth is, there is one drawback to signing up for credit card promotions: You won’t be eligible for more freebies in the future. Well, at least for a year. Here’s how it works:

Banks and comparison sites like MoneySmart usually offer the best giveaways for new sign ups. Usually this is defined as people who either:

  • Have never ever owned a credit card from that bank, OR

  • Cancelled their card at least 12 months ago

If you’re thinking of gaming the system by cancelling your card and re-applying, tough luck!

Another thing to note is that you must hit the minimum spend to get your reward. If you’re really lucky, you’ll get your shiny new iPad or cashback immediately upon card approval. However, most banks require you to spend a minimum sum (say, $1,000 in the first month) and sometimes even fork out the first year’s annual credit card fee (goodbye, fee waiver!). After all that, banks will make you wait a few months before you can even smell the freebie.

So what’s the lesson here? Read the T&Cs carefully, and only sign up when you’re confident you can hit the minimum spend.

 

Psst, we also review credit card promos in Hong Kong! Check out our guide to the Best HK Credit Card Welcome Offers.

Read more about the best air miles, cashback, and rewards credit cards! Plus, learn the differences between air miles vs cashback vs rewards credit cards.


vanessa-nah-profile-picture
vanessa-nah-profile-picture

About the author

Vanessa Nah is a personal finance content writer who pens articles on the ins and outs of personal loans, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most impawtently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.


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Original article: Best Credit Card Promotions in Singapore (Jul – Sep 2024): Citibank, DBS, HSBC, UOB, and More.

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