Best Cashback Credit Cards in Singapore 2026

If you're a Singapore shopper or SME owner looking to maximise everyday spending in 2026, this round-up is for you. We evaluated 7 top cashback credit cards based on cashback rates, annual fees, and local perks. Each pick suits different spending habits, from grocery runs to online shopping. Use the quick comparison table below to see how they stack up.

Quick Comparison

UOB One Card

Earn up to 5% cashback by hitting quarterly spending tiers.

• Pros: High cashback potential, no category restrictions, simple tiers.
• Cons: Requires min $500 monthly spend to qualify, cashback credited quarterly.
• Best for: Regular monthly spenders who can hit $500–$2,000 per month.
• Pricing snapshot: Annual fee waived for first year, then $0 if spend conditions met.

OCBC 365 Card

Top choice for dining and grocery rewards with a cashback cap.

• Pros: 6% on dining, 3% on groceries, 1% on other spend.
• Cons: Cashback capped at $60 per month, foreign transaction fee applies.
• Best for: Foodies and families who dine out and grocery shop regularly.
• Pricing snapshot: Annual fee waived for first year, then $0 with min $400 spend monthly.

Citi Cash Back Card

Flat 1.6% cashback on every purchase, no tiers.

• Pros: Simple and unlimited cashback, no minimum spend.
• Cons: Rate lower than category-specific cards, foreign transaction fee.
• Best for: Those who want straightforward rewards without tracking categories.
• Pricing snapshot: Annual fee waived for first year, then $0 with min $500 spend monthly.

DBS Live Fresh Card

Earn 5% cashback on online and contactless spending.

• Pros: High cashback on popular digital payments, no annual fee.
• Cons: Cashback capped at $20 per month, limited to online and contactless.
• Best for: Tech-savvy users who pay via Apple Pay or shop online frequently.
• Pricing snapshot: Annual fee waived for first year, then $0 with min $500 spend monthly.

Maybank Family & Friends Card

8% cashback on chosen categories for household spending.

• Pros: High rate on selected categories, flexible category selection.
• Cons: Requires min $800 monthly spend, category options limited.
• Best for: Families with consistent grocery, dining, and transport bills.
• Pricing snapshot: Annual fee waived for first year, then $0 with min $800 spend monthly.

HSBC Smart Card

5% cashback on dining, groceries, and transport.

• Pros: Good mix of everyday categories, no minimum spend.
• Cons: Cashback capped at $50 per month, lower rate on other spend.
• Best for: City commuters who dine out and use public transport often.
• Pricing snapshot: Annual fee waived for first year, then $0 with min $500 spend monthly.

Standard Chartered Unlimited Cashback Card

1.5% unlimited cashback on all spending, no caps.

• Pros: Truly unlimited cashback, no minimum spend.
• Cons: Rate lower than category-specific cards, foreign transaction fee.
• Best for: Big spenders who want simplicity and no tracking.
• Pricing snapshot: Annual fee waived for first year, then $0 with min $500 spend monthly.

How to Choose

• Spending habits: Pick a card that matches your biggest expense categories (dining, groceries, online).
• Minimum spend: Check if you can meet the monthly spend to avoid fees or unlock cashback.
• Cashback caps: Some cards limit monthly cashback; choose one with a cap that fits your spend.
• Annual fees: Most cards waive fees with minimum spend; factor this into your decision.
• Foreign currency: If you travel or shop overseas, look for cards with low foreign transaction fees.