Best Credit Cards in Singapore 2025: Cashback, Rewards, Miles & Perks Compared

Choosing the best credit card in Singapore 2025 is no easy task. With new cashback schemes, evolving air miles programs, and banks competing with ever-bigger perks, the choice can feel overwhelming.

Whether you’re after the highest cashback credit card in Singapore 2025 for everyday expenses, the best travel credit card with lounge access, or a no-annual-fee credit card that still rewards your lifestyle, this guide compares the top picks to help you decide.

Why Choosing the Right Credit Card in Singapore 2025 Matters

In 2025, banks in Singapore are making credit cards more lifestyle-oriented. That means more perks for dining, groceries, streaming subscriptions, and even sustainable shopping. At the same time, fintech players are entering with zero-annual-fee products that still deliver strong cashback.

For example, the OCBC 365 Card continues to reward families and professionals with 5% cashback on dining and groceries, while newer players like the Trust Bank Cashback Card are eliminating foreign transaction fees, making them perfect for digital nomads.

If you travel often, cards like the Citi PremierMiles and UOB PRVI Miles remain strong contenders for highest air miles credit card in Singapore 2025, with added perks such as free airport lounge visits and no-expiry miles.

👉 According to MoneySmart Singapore, the average Singaporean can save up to S$1,200 a year simply by using the right mix of credit cards for daily spending.

Types of Credit Cards in Singapore (2025 Overview)

1. Cashback Cards

Cashback cards are best for everyday spending categories like groceries, dining, fuel, and online shopping. The OCBC 365 and Citi Cash Back+ remain popular options.

• Best cashback credit card Singapore 2025 for families: OCBC 365 — 6% cashback on fuel, 5% on dining, 3% on groceries.
  
  
• Best unlimited cashback card: Trust Bank Cashback Card — 1% unlimited cashback, no annual fee, and no FX charges.
  
  

2. Rewards & Points Cards

Rewards cards give you points (e.g. DBS Points, Citi ThankYou Points) that can be redeemed for vouchers, gadgets, or air miles.

The HSBC Revolution (no annual fee) now offers 4 miles per dollar (mpd) on online spending, making it a favorite among e-commerce lovers.

👉 According to Suitesmile’s 2025 credit card guide, rewards cards with no annual fee are trending because they’re cost-efficient without sacrificing benefits.

3. Air Miles / Travel Cards

Travel credit cards are a hot pick for Singaporeans in 2025. If you’re booking flights, hotels, or ride-hailing apps, these cards will reward you with miles that never expire or bonus lounge access.

• Citi PremierMiles – 1.2 mpd local, 2.2 mpd overseas, no miles expiry, 2 free lounge visits yearly.
  
  
• DBS Altitude Visa – 1.3 mpd local, 2.2 mpd overseas, no miles expiry, bonus on hotel bookings.
  
  
• UOB PRVI Miles – up to 8 mpd for selected travel bookings, 4 free lounge visits per year.
  
  

👉 Pelago’s 2025 analysis confirms that Citi PremierMiles and DBS Altitude lead the market because of their “no miles expiry” feature, making them long-term favorites for frequent flyers.

4. No Annual Fee Cards

Annual fees can eat into rewards. In 2025, more Singaporeans are leaning toward no-annual-fee credit cards.

• Trust Bank Cashback Card – 1% cashback on all spending, no FX fees.
  
  
• HSBC Revolution – up to 4 mpd on online spending, zero annual fee.
  
  
• Mari Card – 1.7% flat cashback, unlimited with no annual fee.
  
  

👉 According to Wise, fee-free cards are gaining traction with younger consumers who prefer simple, transparent rewards over complicated point systems.

Credit Card Comparisons (2025 Picks)

Here’s a side-by-side look at the top cards in each category:

Category	Card	Key Features	Ideal User
Cashback	OCBC 365	6% fuel, 5% dining, 3% groceries, min spend S$800	Families, daily spenders
Cashback	Trust Cashback	1% unlimited cashback, no FX/ATM fee	Travelers, digital nomads
Rewards	HSBC Revolution	4 mpd online shopping, no annual fee	Online shoppers
Air Miles	Citi PremierMiles	1.2 mpd local, 2.2 mpd overseas, no miles expiry	Frequent travelers
Air Miles	UOB PRVI Miles	Up to 8 mpd on travel bookings, lounge access	Frequent flyers
No Fee	Mari Card	1.7% unlimited cashback, no fee	Cost-conscious spenders

Testimonials from Real Singaporeans

Dominic Koh, Singapore (via MoneySmart):

“Been signing up for my credit cards through MoneySmart, seamless process every time, and the cashback rewards make everyday dining much cheaper.”

Jude Lu, Singapore:

“Great credit card promotions! I applied for the OCBC 365 and I’m saving about S$80 a month on dining and petrol.”

Nguyen Tung Lam, Singapore PR:

“Claiming my credit card gift was a smooth and pleasant process. The Citi PremierMiles card has already saved me 20,000 miles for my next trip.”

👉 Testimonials highlight that choosing the right credit card Singapore 2025 really pays off — whether through cashback, travel perks, or easy online application.

How to Choose the Best Credit Card for Your Needs

1. Check your top spending categories – If most of your money goes into groceries and dining, pick a cashback card. If you fly often, pick a miles card.
   
   
2. Evaluate annual fees – Some cards waive them for 1–2 years, others never charge.
   
   
3. Look for long-term rewards – Miles that don’t expire (Citi PremierMiles, DBS Altitude) are safer.
   
   
4. Match lifestyle perks – Lounge access, Grab vouchers, free travel insurance.
   
   
5. Consider pairing cards – One cashback card for groceries, one miles card for travel.
   
   

👉 If you’re a frequent traveler, pairing a miles card with the right booking site can save you big. For example, check our guide to Best Online Travel & Hotel Booking Platforms in 2025 for Europe, India, Southeast Asia, and Africa to see how to maximize your rewards.

Suggestions & Strategies for Maximizing Value

• Use multiple cards smartly: One for everyday expenses (OCBC 365), another for overseas trips (Citi PremierMiles).
  
  
• Watch for minimum spend thresholds: Some cards like OCBC 365 require S$800 monthly spend.
  
  
• Leverage sign-up bonuses: In 2025, some cards are offering up to 45,000 miles if you meet spend requirements (SingSaver).
  
  
• Monitor fees: Trust Bank is currently one of the few offering no FX fees, making it attractive for digital workers abroad.
  
  
• Balance rewards with needs: Don’t chase rewards if you can’t afford the minimum spend.
  
  

Q1: What is the best cashback credit card Singapore 2025 for everyday expenses?

The OCBC 365 Card with 5% cashback on dining and 3% on groceries is among the best.

Q2: Which is the highest air miles credit card Singapore 2025?

The UOB PRVI Miles Card, offering up to 8 mpd for selected travel bookings, tops the list for travelers.

Q3: Which credit card Singapore 2025 has no annual fee but still offers rewards?

The HSBC Revolution and Trust Cashback Card are excellent no-annual-fee options.

Q4: Is it better to have multiple credit cards in Singapore?

Yes, having a cashback and a miles card lets you cover both everyday spending and travel. Just manage payments responsibly.

Q5: Which credit card Singapore 2025 is best for foreigners?

Cards like Citi PremierMiles and Trust Bank Cashback Card are popular because of global acceptance and low FX fees. For more, see our guide on Top Companies in Singapore Hiring Foreign Workers in 2025.

The best credit card in Singapore 2025 depends entirely on your lifestyle.

• Families: OCBC 365 (cashback on dining and groceries).
  
  
• Travelers: Citi PremierMiles or UOB PRVI Miles (miles, lounge access, travel perks).
  
  
• Cost-conscious: Trust Cashback or HSBC Revolution (no annual fee).
  
  

By combining cards smartly, tracking your spending, and taking advantage of sign-up promotions, you can easily save thousands of dollars or accumulate free miles for your next holiday.

👉 And when you’re ready to put those miles to use, don’t forget to check the latest episode Top Companies in Singapore Hiring Foreign Workers in 2025 to maximize your rewards.

Photo Credit: AI generated photo by Civic Vibe Global Prompts