Best Credit Card For Rewards Points – Based on a monthly spend of S$2,000, we analyzed popular msot credit cards in the market to estimate the customer’s value after 2 years, calculating cashback and annual dues. Note that the value of the dollar is highly dependent on spending habits; Intangible benefits (such as free travel insurance and airport lounge access) are important but difficult to quantify.
If you’re an affluent explorer looking to rack up miles quickly, consider the cards below. We’ve found these options offer the best credit card benefits and the best value while earning miles on your spending.
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The UOB PRVI Miles Amex card offers one of the highest redemption rates in the market, 6mi/S$1 on Agoda, Expedia and UOB travel spend, 2.4mi/S$1 overseas and 1.4mi/S$1 on local spend.
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The UOB PRVI Miles American Express Card is the best travel card on the market for affluent customers who want to quickly accumulate miles for their spending. Cardholders can earn up to 1.4 miles per S$1 spent locally, 2.4 miles overseas and 6 miles on hotels and flights. These charges are similar to premium travel cards, but the UOB PRVI Miles card has a lower annual fee of S$256.8 (compared to S$400+).
Even better, spending S$50,000 per year gets you free and 20,000 bonus miles (worth S$200). This type of offer is unlike any other mileage earning card in the market. Apart from these benefits, customers can also enjoy other benefits like free travel insurance and airport transfer. Finally, if you spend more than S$4,200 per month, the UOB PRVI Miles Card can increase your miles at no extra cost.
The Standard Chartered Visa Infinite X offers 30,000 miles as a sign-up bonus, 3mi/S$1 spend abroad, and a host of travel rewards.
Visa Infinite X Standard Chartered Card offers the best offer in the market for high net worth customers. For those who can deposit S$300k in fresh funds into their first bank account within the first 3 months, this card will reward you with 100,000 KrisFlyer miles, worth $10k when paying for business class tickets. Affluent customers can earn up to 300k Krisflyer Miles by depositing S$1.5 million into a First, Standard Chartered Bank account. In addition to this welcome bonus, the SC VI X Card offers a combination of premium card rewards such as 1.2 miles and 2 miles, 2 free annual tours and green fees at golf clubs for every S$1 spent locally and overseas. On the coast of Asia.
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For big expenses, bank accounts can prove too small. These cards reduce restrictions and provide wealthy individuals with a way to increase their income.
UOB Absolute Cashback offers the highest cashback rate in the market – 1.7%. There are no minutes, limits or restrictions, and you get paid for all expenses, including rent and insurance. Additional benefits: Savings on dining, shopping and travel.
The UOB Absolute Cashback Card offers 1.7% unlimited cashback with low spend and no restrictions, making it the highest unlimited cashback rate in the market. What makes this card unique is that you can get cash back on all expenses, even in areas that other credit cards don’t cover, such as insurance payments, school fees, medical bills, and retirement. Paying bills, utilities, and phone bills also earn money.
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Another benefit of the UOB Absolute Cashback Card is the exclusive American Express Card privileges you can enjoy, from 6 months of FoundersCard membership to up to 50% savings on dining, shopping and accommodation. UOB Absolute offers 20.8% savings on Shell stations, 24% savings on SPC.
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The Citi Cash Back+ Card offers one of the best unlimited cashback rates in the market – 1.6% with no restrictions on all spends, increasing to 4.5% for new customers within the first 3 months.
For affluent customers with a minimum of S$6,000/month, the Citi Cash Back+ Card is one of the best options to maximize cashback. It is the only credit card in the market that offers an attractive 1.6% interest on all your spending, with no restrictions like minimum spending requirements and regional limits. Buyers who don’t have to worry about monthly caps on premiums should appreciate this feature. Keep in mind that while the Citi Cash Back+ card doesn’t offer an annual fee or many other perks, its 1.6% unlimited interest rate is higher than the 1.5% offered by most similar cards, and it’s not limited to Singapore. The same is true for most of its competitors.
Standard Chartered Unlimited Cashback offers customers 1.5% cashback on all spend, which increases to 5% for new customers within the first 3 months.
If you keep credit cards tied to your income, consider the Standard Credit Unlimited Credit Card — the best unlimited credit card on the market. Cardholders get a flat rate of 1.5% with no fees or interest. However, the SC Unlimited Cashback Card offers great benefits to carry.
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While competitors maintain programs, the SC Cashless Payment Card is a Simpligo initiative and offers cardholders up to 21% fuel savings at Caltex. All in all, big spenders not only get unlimited cash with the SC Accounts Payable Card—whether they’re commuting, driving or claiming special discounts, they can also take advantage of various transportation features.
American Express True Cashback offers 1.5% unlimited cash back on all purchases and a 3% cash back promotion for first 6 months for new customers.
The American Express True Cashback Card is an unlimited cashback credit card because while it has a base rate of 1.5%, new cardholders earn an increased rate of 3% up to $150 for their first 6 months. No competitor offers such an expensive signing process; In fact, very few unlimited cards get special welcome rates. Additionally, the Amex True Cashback Card stands for benefits like Global Assist, American Express Selects, and Cashback Promotions—the latter of which often offer special deals and discounts. For affluent consumers concerned about limited cash flow, the Amex True Cashback Card is one of the best options on the market.
Maybank FC Barcelona offers one of the highest interest rates in the market – 1.6%. The only drawback is that the rate only applies to local expenses.
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If you’re a big spender with mostly local currency, look no further than the Maybank FC Barcelona Visa Signature Card. At 1.6% (vs. 1.5%), this credit card has the highest unlimited cash back rate on local spending than any other on the market. Although the difference is small, it can add up quickly at higher cost levels.
The Maybank FC Barcelona Card only pays 2 points per S$1 (equivalent to 0.8 miles, roughly 0.8%) on overseas spending, so it’s great for local customers. However, the card does come with some special sports benefits, including discounts of up to 10% at official FC Barcelona stores. Cardholders have the chance to win a trip to see FC Barcelona play live, plus travel and accommodation. Finally, Maybank FC Barcelona is one of the unlimited and fee-free cards; Cardholders who spend $10,000/year are eligible. Ultimately, this is the best card for local spenders looking to maximize returns.
CIMB World Mastercard offers 2% cashback on dining (including delivery), movies, digital entertainment, driving, car and luxury goods and 1% unlimited cashback on other spending. Another perk: travel and golf perks.
If you are an affluent person looking for cash for fun spending, the CIMB World MasterCard is the best credit card available. Cardholders get 2% unlimited cashback on wine, food (including delivery), movies, digital entertainment, taxi, car rental and luxury goods. Get unlimited 1% cashback on general spending, which is lower than the market standard. In addition to these great rates, customers can enjoy benefits associated with travel cards such as free travel insurance, lounge access and 50% off green fees on routes across Asia. And the CIMB World Card is free forever. In the end, no credit card compares to the CIMB World MasterCard for customers with large social accounts.
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If you are an affluent person looking for cash for fun spending, the CIMB World MasterCard is the best credit card available. Cardholders get 2% unlimited cashback on wine, food (including delivery), movies, digital entertainment, taxi, car rental and luxury goods. Get unlimited 1% cashback on general spending, which is lower than the market standard. In addition to these great rates, customers can enjoy benefits associated with travel cards such as free lounge access and 50% off green fees on routes across Asia. And the CIMB World Card is free forever. In the end, no credit card compares to the CIMB World MasterCard for customers with large social accounts.
The OCBC 90°N Card has a flexible payment structure that gives customers access to miles and cash back. Plus, miles don’t expire, and there are no transfer fees, caps or minutes
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