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Best credit cards in Singapore (Oct 2026)

All 48 miles and cashback cards, ranked from each bank's own terms. Easy cards first, minimum spends shown up front, and no bank pays to be here. Updated 28 October 2026.

Our top picks

Best miles cardUOB Preferred Visa≈ 48,720 miles a yearEarns the most miles on a typical month of spending, on its own. No minimum spend. Best cashback cardMaybank Family & Friends Card≈ S$759 cashback a yearEarns the most cashback on a typical month of spending. Minimum spend S$800 a month. Best with no annual fee (miles)HSBC Revolution≈ 46,560 miles a yearNo annual fee, or waived for good. No minimum spend. Best with no annual fee (cashback)Trust Freedom · Stockback≈ S$648 cashback a yearNo annual fee, or waived for good. No minimum spend.

Better together

The best stack for a typical month: ≈ 78,300 miles a year

UOB Preferred Visa + UOB Lady's Solitaire + UOB Lady's Card + Trust Freedom · Miles. That's 61% more than the best single card. Your own spending will give a different answer.

Find my cards

Best card for each kind of spend

Highest rate with an easy or some-effort card, at S$100. When several cards earn the same, they're listed together. Tap a row for the full guide.

SpendMilesCashback
Dining4 mpd HSBC Revolution, UOB Lady's Card, UOB Lady's Solitaire, UOB Preferred Visa6% Maybank Family & Friends Card
Groceries4 mpd UOB Lady's Card, UOB Lady's Solitaire, UOB Preferred Visa6% Maybank Family & Friends Card
Online shopping4 mpd Citi Rewards, DBS Woman's World Card, HSBC Revolution, OCBC Rewards, UOB Preferred Visa6% Maybank Family & Friends Card
Everyday spend4 mpd UOB Preferred Visa3% Trust Freedom · Stockback
Overseas (foreign currency)4 mpd UOB Preferred Visa3% Trust Freedom · Stockback
Fashion and department stores4 mpd Citi Rewards, HSBC Revolution, OCBC Rewards, UOB Lady's Card, UOB Lady's Solitaire, UOB Preferred Visa3% Trust Freedom · Stockback
Taxis and ride-hailing4 mpd Citi Rewards, DBS Woman's World Card, HSBC Revolution, UOB Lady's Card, UOB Lady's Solitaire6% Maybank Family & Friends Card
Food delivery4 mpd Citi Rewards, DBS Woman's World Card, UOB Lady's Card, UOB Lady's Solitaire, UOB Preferred Visa6% Maybank Family & Friends Card
Public transport4 mpd UOB Lady's Card, UOB Lady's Solitaire, UOB Preferred Visa6% Maybank Family & Friends Card
Petrol4 mpd UOB Lady's Card, UOB Lady's Solitaire, UOB Preferred Visa6% Maybank Family & Friends Card
Flights and hotels4 mpd DBS Woman's World Card, HSBC Revolution, UOB Lady's Card, UOB Lady's Solitaire3% Trust Freedom · Stockback
Entertainment4 mpd Citi Rewards, DBS Woman's World Card, UOB Lady's Card, UOB Lady's Solitaire, UOB Preferred Visa6% Maybank Family & Friends Card
Beauty and wellness4 mpd UOB Lady's Card, UOB Lady's Solitaire, UOB Preferred Visa6% Maybank Family & Friends Card
Insurance premiumsUOB Absolute Cashback Card (1.7%) · all bills

How we rank

Questions

What is the best credit card in Singapore?

It depends on how you spend. For a typical S$1,800 month, the best miles card with no minimum spend is UOB Preferred Visa, and the best cashback card is Maybank Family & Friends Card. Holding 4 cards together earns more: about 78,300 miles a year. Find my cards works it out for your own spending.

What is the best miles card in Singapore?

UOB Preferred Visa, for a typical month of spending, at about 48,720 miles a year with no minimum spend.

What is the best cashback card in Singapore?

Maybank Family & Friends Card, at about S$759 cashback a year on a typical month of spending.

Which credit card has no annual fee?

HSBC Revolution and Trust Freedom · Stockback have no annual fee, or a fee waived for good, and earn well on everyday spending.

More guides

Find my cardsAll 48 cardsCompare cardsDiningGroceriesOnline shoppingEveryday spendOverseasFashion and department stores

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