Best credit card for online shopping in Singapore (Oct 2026)
Shopee, Lazada, Amazon, Taobao and other online shops. This is where 4 mpd cards are easiest to use.
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 paying online in Singapore dollars. 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 online shopping
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4 mpdUOB Preferred VisaEasySelected online: shopping, groceries, dining, delivery, pharmacies, entertainmentMin spend: noneCap: S$600 per bucket, a monthFee S$196.20, 1st yr free
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4 mpdCiti RewardsEasyOnline and in-app spend (not travel, transit or mobile wallets)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
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4 mpdDBS Woman's World CardEasyOnline spend (local or overseas)Min spend: noneCap: S$1,000 a monthFee S$196.20
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4 mpdOCBC RewardsEasyLazada, Shopee, Taobao, TikTok Shop, Amazon and other named merchantsMin spend: noneCap: S$1,111 a monthFee S$196.20, 2 yrs free
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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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
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0.4 mpdUOB Visa SignatureMany hurdlesBase rate (no bonus here)Min spend: S$1,000 per bucket, a statementCap: S$1,200 per bucket, a statementFee S$218, 1st yr free
Best cashback cards for online shopping
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6%Maybank Family & Friends CardSome effortYour chosen categories (6%, with S$800 spend in the month)Min spend: S$800 a monthCap: No capFee S$196.20, 3 yrs free
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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
No minimum spend
If you don't want to chase a monthly minimum:
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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
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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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
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5%HSBC Live+Many hurdlesDining, shopping and entertainmentMin spend: S$600 a monthCap: S$250 cashback a quarterFee: 1st yr free, 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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