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Best Credit Cards For Everyday Spending in Singapore 2022

Best Credit Cards For Everyday Spending in Singapore 2022

Get the feeling that all you ever spend on these days is on your groceries and daily necessities? If you’re in charge of your household expenses and want to get more out of your spending, you should consider getting—or using more of your existing cards—a credit card that gives more rebates for every dollar you spend.   

There are cards aplenty in the market that offer a wide range of perks, including attractive cashback and even free Disney+ subscription, when you sign up and spend on their cards. Some even offer perpetual annual fee waivers. Here are some of the best credit cards for your everyday use and shopping. 

#1: Maybank Family & Friends Card 

So you want a credit card that’s tailored exclusively to your lifestyle? The Maybank Family & Friends Card grants you the freedom to choose five preferred categories, out of the eight they offer, in which to get your cashback. You can earn up to 8% cashback from a list that includes groceries, transport, online fashion, retail and pets, and more. A minimum spend of S$800 is required, with the cashback capped at S$25 per category.  

Once you reach the monthly cashback cap for a selected category, 0.3% cashback applies on further spending that month and also to all other spend on non-selected categories. You can also choose your own card design from the three options available.  

Now you can receive a Garmin vívomove style smartwatch (worth S$469) when you apply for a new Maybank credit card and CreditAble and charge to the card and/or withdraw from your CreditAble account a minimum of S$300 per month for the first two consecutive months upon approval.

To apply, click here.

#2: Citi Cash Back+ Card  

Want the ease of spending and earning cashback without worrying about the minimum spend required? With Citi Cash Back+ Card, you can earn 1.6% cashback on your purchases all year round, with no cap on the cashback earned, plus no minimum spend. You can redeem this amount for cash rebate instantly via SMS.

To apply, click here.

#3: Standard Chartered Smart Credit Card  

Get more when you spend on everyday merchants with the Standard Chartered Smart Credit Card. You’ll receive 6% cashback in equivalent reward points when you shop for your daily essentials, get a sandwich at Subway or a coffee at Toast Box, with no minimum spend required. And to sweeten the deal, the annual fee is perpetually waived off.

To apply, click here.

#4: HSBC Revolution Credit Card  

Love to shop (online) till you drop? How about getting more points when you buy that pair of Nike kicks? With the HSBC Revolution Credit Card, you’ll get ten times more reward points when you make an online buy or opt for contactless payments via Visa payWave, Apple Pay and Google Pay. For all other types of spending, you’ll also receive reward points with no cap on these points.  

You can easily offset your spending with the points or split your purchases into monthly installments when you use the Singapore HSBC app. There’s also no annual credit card fee!

To apply, click here.

#5: POSB Everyday Card 

Love to eat but hate the hassle of going out? Then order in today and get more from it. The POSB Everyday Card offers 10% cash rebates on online food delivery using foodpanda, Deliveroo and WhyQ. Plus, if you love to shop online—who doesn’t, really? —you can receive 8% cash rebates when you make purchases on Amazon.sg, Shopee and Taobao. And there’s more: enjoy 3% cash rebates when you set up recurring payments for your utilities and telecommunications bills.

To apply, click here.  

#6: CIMB World Mastercard 

  

If your spending stretches across a wide range of categories, say, from dining to taxi rides, entertainment to food delivery, you should get a credit card that lets you earn more from these purchases. The CIMB World Mastercard offers up to 2% unlimited cashback on these categories if you spend at least S$1,000 in the same statement month. You’ll also enjoy 1% unlimited cashback on all other purchases if you spend at least S$500 in the same statement month.

To apply, click here.

#7: UOB One Credit Card 

  

If you enjoy shopping online on Shopee or at any of the outlets of Dairy Farm Singapore (Cold Storage, Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli), the UOB One Credit Card is the card best suited to you. Earn up to 5% cashback on your groceries and health and beauty needs for each qualifying quarter. A minimum of five purchases is required per month, as well.

To apply, click here.

In Summary 

How do you decide on the right credit card for you? You need to first know your habits, interests and types of spending, which would determine the type of credit card that would benefit you most. If you love to shop online, then a card that rewards you amply for this would be the ideal one. If you’re a foodie, a card that offers you a higher cashback or rebate whenever you order food delivery would be more suitable. 

Do remember that the amount of cashback and rebates is often tagged to how much you spend on the card. Card issuers would state a minimum spend you need to hit per month or per qualifying period, in order to issue the cashback or rebates. There’s often a cap on the cashback amount you will receive too.  

Enjoy the perks of your credit cards, and always remember to pay your bills on time!  

CardsPal recommends the best cards to use so you can enjoy all the benefits and perks simply by using your cards for all your daily and favourite essentials. Never miss a deal again!    

Maximise Your Rewards with CardsPal     

Looking for savings on your credit cards? Check out our Cardculator to view card recommendations in three categories to give you the best cashback for your spending. Want to save on your credit card fees? Find out the credit cards with no annual fees 

Furthermore, read about common credit card mistakes that lower your credit score here. 

Download the app on the App Store or Google Play Store now and get the latest deals, tailored according to the cards you own! 

 

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