With just one day left in August, we’re excited to present Singapore’s best credit card picks for Aug 2023. You might just discover the promotion you’re looking for!
Whether you’re seeking unlimited cashback, flexible travel rewards, or exclusive offers, we’ve curated the top 5 credit card options that cater to your preferences. Take your pick, find the one that aligns with your financial goals, and enjoy their perks.
Standard Chartered Simply Cash Credit Card
- Cashback: Up to 1.5%
- Minimum Spend: S$0
- Cashback Cap: Unlimited
- Promotion: Get up to S$350 Cash via PayNow* OR a Nintendo Switch OLED (worth S$549) OR a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$575) OR an Apple Watch SE, 40mm GPS (worth S$382.50) when you apply and spend a min. of S$500 in Eligible Transactions. (Valid until 31 Aug 2023)
- Unlimited Cashback: Enjoy unlimited cashback on your eligible spend, allowing you to earn rewards on a wide range of purchases.
- Ez-link Capabilities: The card comes with Ez-link capabilities, making it convenient for everyday commuting on public transportation.
Citi Cash Back+ Mastercard®
- Cashback: 1.6%
- Minimum Spend: S$0
- Cashback Cap: Unlimited
- Promotion: Get S$300 Cash via PayNow OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$575) or S$400 eCapita Vouchers when you apply and spend a min. of S$500 in “Qualifying Spends” within 30 days from card approval date. (Valid until 31 Aug 2023)
- Cash Back on Eligible Spend: Earn cashback on your eligible spending, allowing you to save on various purchases.
- Savings on Dining and Grab Spending: Enjoy cashback on dining and Grab transactions, making it a suitable card for those who frequently dine out or use ride-hailing services.
- Online and Retail Shopping: This card also provides cashback on online and retail shopping, allowing you to save on a variety of purchases.
CIMB World Mastercard
- Cashback: Up to 3% Unlimited Cashback in specific categories
- Minimum Spend for 2% Cashback: S$500
- Cash Rebate Cap: Unlimited
- Promotion: Get S$300 Cash via PayNow OR an Apple Watch SE, 40mm GPS (worth $382.50) OR $320 eCapita Vouchers when you apply and spend a min of S$988 AND enjoy up to 3% Unlimited Cashback* from CIMB with min. spend of S$2,500 per month. (Valid until 31 Aug 2023)
- Savings on Dining, Grocery, and Grab Spending: Enjoy savings on various categories, including dining, grocery shopping, and Grab rides, making it an ideal card for those who frequently spend on these categories.
- Unlimited Cashback on Multiple Categories: Benefit from unlimited cashback on a range of categories, including Wine & Dine, Online Food Delivery, Movies & Digital Entertainment, Taxi & Automobile, and Luxury Goods.
HSBC Revolution Credit Card
- Points: 10X Points on Online Spend and Contactless Payments, 1X Point on All Other Spend (convertible to miles)
- Promotion: Get S$40 Cash via PayNow when you apply through MoneySmart!
- Additional Promotion: PLUS get a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SGD670) OR S$150 Cashback from HSBC for new HSBC cardmembers OR $50 Cashback for existing HSBC cardmembers when you meet the min. A spend of S$1,000 upon card approval is required. (Valid until 31 Aug 2023)
- Earn Points for Everyday Spending: With this card, you earn points on online spending and contactless payments, making it a suitable choice for those who often shop online or use contactless methods for transactions.
- Flexible Points Conversion: These earned points can be converted into miles, allowing you to maximize your rewards for travel-related purposes.
UOB One Card
- Rebate: Up to 10% rebate on specific merchants, up to 15% cashback online (with minimum spend)
- Minimum Spend: S$2,000 per month
- Rebate Cap: Up to S$300 per quarter
- Promotion: Get up to 15% Cashback and S$350 Cash Credit** if you are the first 200 new-to-UOB cardholders to apply and spend a minimum of S$1,000 per month for two consecutive months from the card approval date. (Valid until 31 Aug 2023)
- Card and Savings Account Bundle: The UOB One Card is often offered as part of a card and savings account bundle, allowing you to earn higher interest when you fulfil certain criteria.
- Cashback on Eligible Spend: The card offers cashback on eligible spending, providing you with savings on a range of purchases.
Wait, there’s more!
If you’re an avid traveller, you might have already considered the HSBC Revolution Credit Card. However, for travellers like you, who are surely looking for more than a single credit card option, we’ve got two additional choices for you. This way, you can choose from the top 3 options available, and don’t forget to make the most of the promotions before August ends.
Citi PremierMiles Card
- Local Spend: S$1 = 1.2 Miles
- Foreign Currency Spend: S$1 = Up to 2 Miles
- Selected Online Hotel Bookings: S$1 = Up to 10 Miles
- Earning Bonus Miles: Earn bonus miles on your spending that do not expire, allowing you to accumulate miles for future travel.
- Flexible Miles: The earned miles can be redeemed for a variety of travel-related expenses, making it a versatile choice for frequent travellers.
- Rewards for Travel Enthusiasts: Suitable for individuals who enjoy travel and want to earn rewards to offset travel costs.
- Promotion: Earn an Apple iPad Wi-Fi 64GB, Nintendo Switch OLED Gaming Console, Sony WH-1000XM5 Wireless Noise Cancelling Headphones, or S$300 Cash via PayNow when you spend a minimum of S$500 within 30 days from card approval. This offer is valid until 31 Aug 2023. Additionally, don’t miss SingSaver’s Exclusive Offer: Get an Apple iPad 9th 10.2″ WiFi 64GB, Dyson Supersonic, Dyson V8 Slim Fluffy, or S$300 cash via PayNow upon activating and spending at least S$500 within 30 days of card approval. This exclusive offer is valid until 3 Sep 2023. Terms and conditions apply.
HSBC TravelOne Card
- Local Spend: S$1 = 1.2 miles
- Foreign Currency Spend: S$1 = 2.4 Miles
- Instant Rewards Redemption: Enjoy the convenience of instant rewards redemption, allowing you to use your earned miles for travel benefits without delay.
- Welcome Gift: Receive 20,000 Miles (awarded in the form of 50,000 Reward Points) as a welcome gift, helping you kickstart your travel rewards.
- Flexible Earning: Earn miles on local and foreign currency spend, making it a suitable card for travellers with varying spending habits.
- Promotion: Receive 20,000 Miles (awarded as 50,000 Reward Points). Get S$40 Cash via PayNow when you apply through MoneySmart! PLUS, get up to 20,000 Miles (in the form of 50,000 Rewards Points) from HSBC when you pay the Card Annual Fee of S$194.40 (including GST) and spend a minimum of S$800 in qualifying transactions! (Valid until 31 Aug 2023)
So, go ahead and find your perfect match!
As always, remember to review each credit card’s specific terms and conditions for the most accurate and up-to-date information before making a decision.