Best credit card for fashion and department stores in Singapore (Oct 2026)
Clothes, shoes, bags and department stores like Takashimaya, Tangs and Metro.
Quick answer. For miles with no minimum spend: UOB Lady's Card 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 paying in store by tapping your phone. 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 fashion and department stores
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4 mpdUOB Lady's CardEasyYour chosen bonus categoryMin spend: noneCap: S$1,000 a monthFee S$196.20
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4 mpdUOB Lady's SolitaireEasyYour chosen bonus categoriesMin spend: noneCap: S$1,500 a monthFee S$414.20
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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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4 mpdCiti RewardsEasyDepartment, clothing, shoe and bag stores (in-store too)Min spend: noneCap: S$1,000 a statementFee S$196.20, 1st yr free
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4 mpdHSBC RevolutionEasyOnline or contactless: dining, travel, shopping, taxisMin spend: noneCap: S$1,000 a monthFee waived
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 fashion and department stores
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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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16%Trust Freedom · Bonus CashbackMany hurdlesPreferred category: 15% bonus (S$2,000 eligible spend every month of the quarter)Min spend: from S$500 a monthCap: S$1,666.67 per bucket, a quarterNo annual fee
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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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6%DBS Live FreshMany hurdlesShopping (apparel, department stores, electronics, home, beauty, speciality retail)Min spend: S$800 a monthCap: S$50 per bucket, a monthFee: see terms
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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