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Best Cashback Credit Cards in Singapore — Compare Cards & Earn Up to 8% Back (2026)

Last updated & verified: 2 June 2026

Free money just for buying stuff you already buy? That's basically what cashback credit cards are. Dining, groceries, online shopping, transport — the right card earns you $500–$1,200 back per year without changing a single habit. I've compared every major cashback card in Singapore and organised them by spending category so you can pick the perfect card (or card combo) for your lifestyle.

Best cashback credit cards in Singapore — earn up to 8% back

TL;DR

Compare the best cashback credit cards in Singapore for 2026. Up to 8% cashback on dining, groceries, transport & online shopping. No annual fee options included.

Best Flat-Rate Cashback Cards

Flat-rate cashback cards give the same cashback percentage on everything, regardless of merchant category. These are the simplest to use — no categories to track, no rotating offers to remember.

BEST OVERALL

Citi Cash Back+ Card

1.6% unlimited cashback on all spending. No minimum spend, no cap, no categories, no annual fee (first year). This is the gold standard for flat-rate cashback in Singapore. If you want one card that works everywhere and never requires you to think about categories, this is it. The 1.6% rate beats most category-specific cards once you factor in caps and restrictions.

UOB Absolute Cashback Card

1.7% cashback on all spending above $600/month. The highest flat rate in Singapore but comes with a minimum spend requirement. If you consistently spend $600+ per month on your credit card, this edges out the Citi Cash Back+ by 0.1%. Below $600/month, the cashback drops to 0.3%, making Citi the better choice for lower spenders.

OCBC 365 Credit Card

1% base cashback on all spending, with higher rates for specific categories (3% dining, 3% groceries, 3% online). While not a pure flat-rate card, the 1% base makes it a decent all-rounder, and the category bonuses are a nice extra. Minimum spend of $800/month required.

Best Dining Cashback Cards

Dining is often the largest discretionary spending category for Singaporeans. The right card can save you $20–$50 per month on restaurant meals. For a deeper dive into dining-specific deals, see our credit card dining deals guide.

HIGHEST DINING CASHBACK

HSBC Live+ Card

8% cashback on dining (capped at $25/month). The highest dining cashback rate in Singapore. If your monthly dining spend is $312 or less, this card maximises your dining returns. No minimum spend required. Annual fee waived for first year.

Maybank Family & Friends Card

8% cashback on dining and groceries (capped at $50/month total). If you spend heavily on both dining and groceries, this card covers two high-frequency categories at the highest rate. Requires $800/month minimum spend across all categories.

OCBC 365 Credit Card

3% cashback on dining (capped at $80/month). Lower rate than HSBC but a much higher cap. For big spenders who dine out frequently (over $312/month at restaurants), OCBC 365 gives more total cashback than the HSBC Live+.

Best Online Shopping Cashback Cards

For Shopee, Lazada, Amazon, and other online buys. Stack these with platform promo codes and ShopBack cashback for triple savings.

BEST FOR ONLINE

DBS Live Fresh Card

Up to 5% cashback on online spending (including Shopee, Lazada, subscriptions, and all online transactions). Capped at $20/month. The go-to card for online shoppers. Also gives 5% on Grab rides and food delivery. Minimum spend of $600/month required. For upcoming online sales, check our Shopee 5.5 Sale guide.

SC Simply Cash Card

2% cashback on all foreign currency and online transactions, 1.5% on everything else. No minimum spend required. Great for international online shopping (Amazon US, iHerb, Apple buys) where foreign currency transactions automatically earn the higher rate.

OCBC 365 Credit Card

3% cashback on online shopping (capped at $80/month). Covers all online merchants including e-commerce platforms, streaming services, and digital subscriptions. The higher cap makes it better than DBS Live Fresh for heavy online spenders ($400+/month).

Best Grocery Cashback Cards

For supermarket shopping at FairPrice, Sheng Siong, Cold Storage, and Giant. See our grocery deals guide for additional ways to save on groceries.

SC Smart Card

5% cashback on supermarkets (capped at $60/month). The highest sustained grocery cashback rate. Requires $800/month minimum spend. If your monthly grocery bill is $400–$1,200, this card maximises your supermarket returns.

POSB Everyday Card

Up to 5% cashback at Sheng Siong (with Sheng Siong membership card). Also earns rebates at FairPrice, Watsons, and Shell. The easiest grocery cashback card to qualify for — no minimum income requirement as it is linked to your POSB savings account.

Maybank Family & Friends Card

8% cashback on groceries (shared cap with dining at $50/month). The highest grocery rate but the shared cap means it works best when you split your dining cashback to another card (like HSBC Live+) and use this primarily for groceries.

Best Transport & Petrol Cashback Cards

Citi Cash Back Card

8% cashback on petrol (capped at $25/month). The highest petrol cashback rate, matched with 8% on groceries. If you drive and buy groceries regularly, this is the most efficient card for these two categories combined. Minimum $888/month spend required.

DBS Live Fresh Card

5% cashback on Grab rides (part of the online/contactless category cap). Covers taxi, private hire, and Grab delivery services. Good for non-drivers who rely on ride-hailing apps for daily commutes.

SimplyGo + Any Cashback Card

For public transport, link any cashback credit card to SimplyGo (MRT/bus contactless payment). This turns your daily commute into cashback. The flat-rate Citi Cash Back+ at 1.6% is the simplest option. Some cards classify SimplyGo as “transport” and offer higher rates.

Multi-Card Cashback Strategy

Using 2–3 cards strategically can dramatically increase your total annual cashback. Here are the most effective combinations for different spending profiles.

RECOMMENDED

The Balanced Combo (2 Cards)

HSBC Live+ for dining (8%) + Citi Cash Back+ for everything else (1.6%). Simple to manage, no categories to track on the catch-all card. Expected annual cashback: $500–$800 on typical household spending.

The Maximiser Combo (3 Cards)

HSBC Live+ for dining (8%) + DBS Live Fresh for online shopping and Grab (5%) + UOB Absolute Cashback for everything else (1.7%). This three-card setup covers the three highest-frequency spending categories at premium rates. Expected annual cashback: $800–$1,200 on typical household spending.

The One-Card Simplifier

If managing multiple cards sounds like too much effort, stick with Citi Cash Back+ at 1.6% on everything. You sacrifice some category optimisation but gain simplicity and never miss out on cashback due to category restrictions or caps. Expected annual cashback: $350–$500 on typical household spending.

Stacking Cashback with Deals

Cashback credit cards become even more powerful when stacked with other savings methods. Here is how to layer multiple discounts on the same buy.

Layer 1: ShopBack or CardsPal

Click through ShopBack before any online buy for 1–15% additional cashback. This stacks with credit card cashback — they are completely independent systems.

Layer 2: Platform Promo Codes

Apply Shopee vouchers, Lazada promo codes, or food delivery promo codes on top. These stack with both ShopBack and credit card cashback.

Layer 3: Credit Card Cashback

Pay with your category-optimised cashback card (1.6–8% depending on category). All three layers stack independently, giving you total savings of 10–30% on many buys.

Layer 4: Bank-Specific Vouchers

Some platforms offer bank-specific vouchers (e.g., extra $5 off with DBS on Shopee). These stack with platform vouchers, ShopBack, and credit card cashback for quadruple savings.

Real example: A $100 Shopee buy with ShopBack (3%) + Shopee voucher ($5 off) + DBS Live Fresh (5% online) + DBS bank voucher ($3 off) = $100 item for effectively $85.50. That is 14.5% total savings from stacking alone.

Frequently Asked Questions

What is the best cashback credit card in Singapore?▼

The best overall cashback credit card in Singapore is the Citi Cash Back+ Card, which offers 1.6% unlimited cashback on everything with no minimum spend, no categories to track, and no cap. For higher rates in specific categories: HSBC Live+ gives 8% on dining, UOB Absolute Cashback gives 1.7% flat rate, and DBS Live Fresh gives up to 5% on online spending. The best card depends on your spending pattern.

Which credit card gives the highest cashback on groceries in Singapore?▼

For groceries, the best cashback cards are: SC Smart Card (5% cashback on supermarkets with min. $800/month spend), Maybank Family & Friends Card (8% cashback on groceries, capped at $50/month), and POSB Everyday Card (up to 5% cashback at Sheng Siong). If your grocery spend is moderate, Citi Cash Back+ at 1.6% with no cap often works out better than capped high-rate cards.

Is it worth having multiple cashback credit cards?▼

Yes, having 2-3 cashback credit cards optimised for different spending categories can significantly increase your total cashback. A common strategy: HSBC Live+ for dining (8%), an online spending card for Shopee/Lazada (3-5%), and Citi Cash Back+ as a catch-all for everything else (1.6%). However, only do this if you can manage multiple cards responsibly and meet any minimum spend requirements.

What is the minimum salary to apply for cashback credit cards in Singapore?▼

Most cashback credit cards in Singapore require a minimum annual income of $30,000 ($2,500/month). Some premium cards require $80,000-$120,000 annually. For those earning below $30,000, secured credit cards or debit cards with cashback features (like DBS Visa Debit or OCBC 365 Debit) are alternatives. If you are aged 21-25, some banks have lower income thresholds for their youth credit cards.

How does credit card cashback work in Singapore?▼

Credit card cashback in Singapore works as follows: 1) You make purchases using your cashback credit card, 2) The bank automatically calculates your cashback based on the card's rates and categories, 3) Cashback is credited to your statement monthly (reducing your bill) or quarterly. Most cards have a cashback cap per month ($20-$80 depending on the card). Some cards require a minimum monthly spend to qualify for cashback. Always pay your bill in full — interest charges will far exceed any cashback earned.

Earn cashback on Shopee

Use your cashback card on Shopee for online shopping rewards. Stack with Shopee coins and vouchers for extra savings.

Browse Shopee deals →

Earn cashback on Klook

Book attractions and experiences with your cashback card. Many cards offer bonus cashback on travel and entertainment.

Browse Klook deals →

Sources

Cashback rates, annual fees, and card features are verified against official bank product pages. Rates may change without notice — always confirm with the issuing bank.

Ready to Start Earning Cashback?

Browse credit card promotions, bank deals, and exclusive card offers on WhyNotDeals, or compare the best credit cards on SingSaver. Find the right card and start earning on every buy.

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