Best credit card for everyday spend in Singapore (Oct 2026)
Everything that doesn't fit a bonus category, paid in person. This is where a simple "earn on everything" card earns its place.
Quick answer. For miles with no minimum spend: UOB Preferred Visa at 4 mpd. For cashback with no minimum spend: Trust Freedom · Stockback at 3%.
Checked against each bank's own terms, 8 October 2026. Rates assume you're tapping your physical card in a shop. Cards that need a minimum spend are only ranked first when they earn more than 10% more than an easy card, and cards with many hurdles are listed separately. The label on each card shows how much work its bonus takes.
Best miles cards for everyday spend
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4 mpdUOB Preferred VisaEasyIn-store with Apple Pay / Google Pay / Samsung PayMin spend: noneCap: S$600 per bucket, a monthFee S$196.20, 1st yr free
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1.5 mpdDBS Vantage Visa InfiniteEasyBase rate (no bonus here)Min spend: noneCap: No capFee S$599.50, not waivable
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1.4 mpdUOB PRVI MilesEasyBase rate (no bonus here)Min spend: noneCap: No capFee S$261.60, 1st yr free
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1.4 mpdBOC Elite MilesEasyBase rate (no bonus here)Min spend: noneCap: No capFee: see terms
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1.4 mpdHSBC Premier MastercardEasyBase rate (no bonus here)Min spend: noneCap: No capFee S$708.50
Higher headline rates, with many hurdles (2)
These pay more on paper but need a minimum spend plus other conditions, such as a number of transactions, spend every month of the quarter or a small cap. Worth it only if you'll meet them every month.
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4 mpdUOB Visa SignatureMany hurdlesContactlessMin spend: S$1,000 per bucket, a statementCap: S$1,200 per bucket, a statementFee S$218, 1st yr free
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1.4 mpdStandard Chartered Visa InfiniteMany hurdlesLocal spend when you meet the S$2,000 minimumMin spend: S$2,000 a statementCap: No capFee S$550, not waivable
Best cashback cards for everyday spend
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3%Trust Freedom · StockbackEasyStockback on local spend (3% promo until 31 Dec 2026)Min spend: noneCap: S$500 cashback a quarterNo annual fee
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1.7%UOB Absolute Cashback CardEasyBase rate (no bonus here)Min spend: noneCap: No capFee S$196.20, 1st yr free
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1.6%Citi Cash Back+EasyBase rate (no bonus here)Min spend: noneCap: No capFee S$196.20
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1.5%Standard Chartered Simply CashEasyBase rate (no bonus here)Min spend: noneCap: No capFee S$218, 1st yr free
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1.5%Trust Freedom · Unlimited CashbackEasyBase rate (no bonus here)Min spend: noneCap: No capNo annual fee
Higher headline rates, with many hurdles (3)
These pay more on paper but need a minimum spend plus other conditions, such as a number of transactions, spend every month of the quarter or a small cap. Worth it only if you'll meet them every month.
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10%UOB EVOLMany hurdlesLocal online and mobile contactlessMin spend: S$800 a statementCap: S$80 cashback a statementFee waived
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3.33%UOB OneMany hurdlesAll spend, when you hit S$600 and 10 transactions every statement month of the quarterMin spend: S$600 a statementCap: S$60 cashback a quarterFee S$196.20, 1st yr free
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1%Trust Freedom · Bonus CashbackMany hurdlesBase rate (no bonus here)Min spend: from S$500 a monthCap: S$1,666.67 per bucket, a quarterNo annual fee
What the labels mean
Easy no minimum spend or extra conditions. Some effort a minimum spend to reach. Many hurdles a minimum plus other conditions, like a number of transactions or small caps, so the headline rate is harder to get.
Which of your cards should you use?
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