Best Cashback Apps Singapore (2026) — ShopBack, Fave & More Compared
My friends think I'm crazy because I have 6 cashback apps on my phone. But hear me out — last month alone, I got back $187 just from stuff I was buying anyway. Groceries, grab rides, online shopping, eating out. The money adds up FAST once you know which app to use where. Here's my honest breakdown of every cashback app worth using in Singapore right now.
Pro Tip: WhyNotDeals scans hundreds of Singapore merchants daily — bookmark us and never miss a deal. Combine app cashback with our exclusive partner offers to earn even more rewards.
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Compare top cashback apps in Singapore: ShopBack, Fave, GrabPay & more. Earn rewards on groceries, dining & shopping with our 2026 guide.
ShopBack: Singapore's Largest Cashback Platform
ShopBack is the OG of cashback in Singapore, and it's still the best all-rounder in 2026. Over 1,500 merchant partners — fashion, electronics, groceries, you name it. I use it for basically every online purchase. The cashback hits your wallet or bank account within 7-30 days, and the ShopBack Pay feature is genuinely useful for in-store purchases too.
ShopBack Key Features:
- •Cashback Rates: Ranges from 1% to 10%+ depending on merchant and promotion
- •Merchant Partners: Lazada, Shopee, Courts, Fairprice, Cold Storage, and 1,400+ others
- •Minimum Withdrawal: SGD 5 to bank account; instant via ShopBack Pay
- •Referral Bonus: Earn SGD 5–10 for each successful referral
- •Best For: Online shopping, travel bookings, bill payments
ShopBack's iOS and Android apps are intuitive, with real-time notifications when new cashback offers launch at your favourite stores. The app also integrates with major credit cards like DBS, OCBC, and UOB, allowing you to earn double rewards when you pay with a cashback credit card and shop through ShopBack.
Fave: F&B Dining Rewards Champion
If you eat out even twice a week (and let's be honest, this is Singapore — who doesn't?), Fave is a no-brainer. It started as GrabDeal but has grown into THE dining cashback app with over 3,000 F&B partners. We're talking everything from your neighbourhood zi char stall to fancy anniversary dinner spots.
Fave Highlights:
- •Dining Cashback: 5–25% cashback at restaurants, cafés, and food courts
- •Merchant Coverage: Jalan Alor (KL), East Coast Lagoon, Amoy Street, major malls
- •Fave Premium: Monthly subscription for boosted cashback rates and exclusive perks
- •Payment Methods: Apple Pay, Google Pay, card-on-file, direct billing
- •Best For: Weekend dining, group meals, exploring new restaurants
Fave's competitive advantage is speed: cashback is credited instantly or within hours of purchase, not weeks. This makes it ideal for frequent diners who want immediate gratification and the flexibility to use accumulated credits on their next meal. The app also features reviews and ratings from the community, helping you discover hidden gems.
GrabPay: All-in-One Payment Cashback
You probably already have Grab on your phone for rides, so here's the thing most people miss — GrabPay is quietly one of the best cashback tools in Singapore. It's not just for Grab rides anymore. Food delivery, groceries via GrabMart, paying at thousands of retail merchants... the rewards stack up across everything.
GrabPay Benefits:
- •Cashback Rewards: Up to 8% on rides, 5% on GrabFood, 10% on GrabMart selected items
- •GrabRewards Tier System: Earn tier status for additional bonuses and exclusive offers
- •Contactless Payments: QR code scanning at 5,000+ retail partners
- •Bill Payments: Pay utilities and earn 1–3% cashback
- •Best For: All-in-one digital wallet, daily commuting, food delivery
The integration across Grab's entire ecosystem is seamless. A typical week might include ride cashback on Monday, GrabFood rewards on Wednesday, and GrabMart bonuses on Friday—all consolidating into one rewards balance that you can withdraw to your bank account.
Cashback Apps Comparison Table
Here's a quick side-by-side comparison of Singapore's top cashback apps to help you decide which suits your lifestyle best:
| App | Cashback Range | Top Category | Withdrawal Min |
|---|---|---|---|
| ShopBack | 1–10%+ | Online Shopping | SGD 5 |
| Fave | 5–25% | Dining & F&B | Instant |
| GrabPay | 3–10% | Rides & Delivery | SGD 10 |
| Lazada Wallet | 2–8% | Lazada Shopping | SGD 5 |
| Shopee Pay | 1–6% | Shopee Marketplace | SGD 5 |
Maximising Cashback: Expert Strategies
1. Stack Multiple Apps
Install both ShopBack and Lazada's app. Purchase via ShopBack (earn 3% cashback), then use your Lazada Wallet (earn an additional 2%). Total effective discount: 5%. This strategy works across most platforms.
2. Combine with Credit Card Rewards
Partner cashback apps often work with credit cards offering additional points. Using a DBS Black Card (3 miles per SGD 1 spent) + ShopBack can yield effective returns of 5–7% on premium items.
3. Time Big Purchases Around Flash Sales
ShopBack and Fave frequently boost cashback rates during 11.11, 12.12, and year-end sales—sometimes offering 15–30% cashback on top merchants. Delay planned purchases for these windows when possible.
4. Leverage Referral Programs
Most apps reward referrals (SGD 5–15 per friend). With five referrals, you've earned SGD 25–75 in instant bonus—perfect to kick-start a new account or boost your wallet before a big purchase.
5. Use Category-Specific Apps for Maximum Returns
Dining? Fave. Groceries? ShopBack often has exclusive Fairprice deals. Transport? GrabPay. Matching the right app to your spending category ensures you capture the highest available cashback rate.
I know this sounds like a lot of work, but once you build these habits it takes maybe 30 extra seconds per purchase. My household spends around $3,000 a month and we consistently get back $150-300 in cashback. That's basically a free 5-10% discount on living in Singapore. Not bad for tapping an extra button.
FAQs on Singapore Cashback Apps
Q: Do cashback apps work overseas?
Most Singapore cashback apps are designed for domestic transactions. However, some credit card partners (like DBS) offer foreign transaction cashback. Always check app terms before traveling.
Q: Is there a limit to how much cashback I can earn monthly?
Most apps don't cap monthly earnings, but promotions may have ceilings (e.g., "Max SGD 50 cashback per promotion"). Always read promotion T&Cs carefully.
Q: Do I need to provide personal data to use these apps?
Yes. Apps require your name, phone, email, and bank details for payouts. Stick to official app store downloads (Google Play, Apple App Store) and reputable providers to ensure data security.
Q: Can I use multiple payment methods within one app?
Yes. GrabPay and ShopBack allow linking multiple cards, e-wallets, and bank accounts. This flexibility makes it easier to capture cashback across all your spending methods.
Q: What's the difference between cashback and vouchers?
Cashback is credited directly to your wallet or bank account as money. Vouchers are discount codes redeemable at specific stores only. Cashback offers more flexibility.
Q: How do I know if a promotion has expired?
Each app displays promotion end dates prominently. Set calendar reminders for high-value deals, or enable push notifications to never miss a deadline.
Final Verdict: Which App Should You Use?
The best cashback app for you depends on your spending patterns:
- →Online shoppers: ShopBack is your MVP. Lazada and Shopee apps offer category bonuses too.
- →Food lovers: Fave is essential. Combine with GrabFood for delivery orders.
- →Urban commuters: GrabPay covers rides, meals, and groceries in one app.
- →Smart savers: Use all four apps strategically to maximise rewards across all spending.
Remember: WhyNotDeals scans hundreds of Singapore merchants daily for exclusive deals and promotions. Bookmark our site to find partner discounts that sometimes beat individual app offers. Combine cashback apps with WhyNotDeals exclusives, and you'll unlock savings potential most Singaporeans never realise.
In 2026, earning passive cashback on everyday expenses is non-negotiable. These apps aren't just nice-to-haves—they're financial tools that deliver measurable savings when used correctly.
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Sources
- DBS Singapore — Credit Cards
- UOB — Credit Cards
- OCBC — Credit Cards
- Citi Singapore — Credit Cards
- MAS — Banking Regulation
Credit card deals, cashback rates, and promotions are verified against official bank pages. Terms may change without notice.