Get the app

Which card for… › H&M

Best credit card for H&M

H&M is usually charged as fashion & dept stores. Paying by tapping your phone (Apple Pay, Google Pay). Ranked from each bank's own terms, Oct 2026.

Miles cards

Joint best · these 6 earn the same

  1. Citi RewardsCiti · Miles Easy
    4 mpd≈ 400 miles on S$100

    No minimum spend · Cap: S$1,000 a statement · Department, clothing, shoe and bag stores

  2. HSBC RevolutionHSBC · Miles Easy
    4 mpd≈ 400 miles on S$100

    No minimum spend · Cap: S$1,000 a month · Online or contactless: dining, travel, shopping, taxis

  3. OCBC RewardsOCBC · Miles Easy
    4 mpd≈ 400 miles on S$100

    No minimum spend · Cap: S$1,111 a month · Department stores, clothing, shoes, sports, luggage, duty free

  4. UOB Lady's CardUOB · Miles Easy
    4 mpd≈ 400 miles on S$100

    No minimum spend · Cap: S$1,000 a month · Your chosen bonus category

  5. UOB Lady's SolitaireUOB · Miles Easy
    4 mpd≈ 400 miles on S$100

    No minimum spend · Cap: S$1,500 a month · Your chosen bonus categories

  6. UOB Preferred VisaUOB · Miles Easy
    4 mpd≈ 400 miles on S$100

    No minimum spend · Cap: S$600 per bucket, a month · In-store with Apple Pay / Google Pay / Samsung Pay

Next best

  1. Maybank XL RewardsMaybank · Miles Some effort
    4 mpd≈ 400 miles on S$100

    Minimum spend: S$500 a month · Cap: S$1,000 a month · Dine, Shop, Travel and Play categories

  2. These 2 earn the same
  3. DBS Vantage Visa InfiniteDBS · Miles Easy
    1.5 mpd≈ 150 miles on S$100

    No minimum spend · Cap: No cap

  4. Standard Chartered BeyondStandard Chartered · Miles Easy
    1.5 mpd≈ 150 miles on S$100

    No minimum spend · Cap: No cap

  5. These 3 earn the same
  6. BOC Elite MilesBank of China · Miles Easy
    1.4 mpd≈ 140 miles on S$100

    No minimum spend · Cap: No cap

  7. HSBC Premier MastercardHSBC · Miles Easy
    1.4 mpd≈ 140 miles on S$100

    No minimum spend · Cap: No cap

  8. UOB PRVI MilesUOB · Miles Easy
    1.4 mpd≈ 140 miles on S$100

    No minimum spend · Cap: No cap

  9. These 4 earn the same
  10. Citi Prestige CardCiti · Miles Easy
    1.3 mpd≈ 130 miles on S$100

    No minimum spend · Cap: No cap

  11. DBS AltitudeDBS · Miles Easy
    1.3 mpd≈ 130 miles on S$100

    No minimum spend · Cap: No cap

  12. OCBC 90°NOCBC · Miles Easy
    1.3 mpd≈ 130 miles on S$100

    No minimum spend · Cap: No cap

  13. OCBC VOYAGEOCBC · Miles Easy
    1.3 mpd≈ 130 miles on S$100

    No minimum spend · Cap: No cap

Cashback cards

Best

  1. Trust Freedom · StockbackTrust · Cashback Easy
    3%S$3.00 cashback on S$100

    No minimum spend · Cap: S$500 cashback a quarter · Stockback on local spend

Next best

  1. DCS Ultimate Platinum MastercardDCS · Cashback Easy
    2%S$2.00 cashback on S$100

    No minimum spend · Cap: No cap

  2. UOB Absolute Cashback CardUOB · Cashback Easy
    1.7%S$1.70 cashback on S$100

    No minimum spend · Cap: No cap

  3. These 2 earn the same
  4. Citi Cash Back+Citi · Cashback Easy
    1.6%S$1.60 cashback on S$100

    No minimum spend · Cap: No cap

  5. OCBC INFINITY CashbackOCBC · Cashback Easy
    1.6%S$1.60 cashback on S$100

    No minimum spend · Cap: No cap

  6. These 3 earn the same
  7. American Express True Cashback CardAmerican Express · Cashback Easy
    1.5%S$1.50 cashback on S$100

    No minimum spend · Cap: No cap

  8. Mari Credit CardMariBank · Cashback Easy
    1.5%S$1.50 cashback on S$100

    No minimum spend · Cap: S$1,500 a month

  9. Standard Chartered Simply CashStandard Chartered · Cashback Easy
    1.5%S$1.50 cashback on S$100

    No minimum spend · Cap: No cap

Try another amount or way of paying

Why "usually"?

Banks decide bonuses by the code the shop's bank gives it (the MCC). Banks publish which codes count, but not each shop's code, so this is how H&M is usually charged. Rates assume you qualify for any minimum spend shown, and haven't used up the card's cap this month. Cards with many hurdles are left out here; the full tool can include them.

Read more

Best card for fashion & dept storesZaloraUniqloZaraTakashimayaIsetanTANGSCharles & KeithCompare UOB Lady's Card and UOB Lady's Solitaire

The right card at H&M, every time

The Cardinko app knows which of your own cards still has bonus left this month, and logs Apple Pay taps for you.

Get the app