6 best cashback credit cards in Singapore (August 2025)
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PUBLISHED ONAugust 17, 2025 10:00 AMBYVanessa Nah
Everyone from the kopitiam uncle to K-pop stans seems to be chasing air miles these days. I get it — racking up points for a jet-setting lifestyle sounds way sexier than hoarding cash rebates. But as someone who doesn't travel much, I'm firmly, unabashedly in the cashback camp. What? Don't judge.
If you're like me and prefer cold, hard savings over glamorous airport lounges, this article's for you. I've reviewed the best cashback credit cards in Singapore and narrowed it down to five winners: one each for unlimited cashback, groceries, dining, online shopping, and transport.
Ready to earn those cash rebates? Let's take a look at the best cashback credit cards in Singapore in 2025.
1. TL;DR: Best cashback credit cards in Singapore (2025)
If you want the short version, here it is. Whether you're a die-hard supermarket loyalist, a dining-out fiend, or just want fuss-free unlimited cashback, there's a card that fits your spending habits. We picked the winners based on cashback rate, minimum spend, category breadth, and caps so you don't have to dig through the fine print.
| Category | Winner | Runner-up |
| Dining | HSBC Live+ Card 8per cent on dining till Dec 31, 2025, $600 min spend | Maybank Family & Friends Card 8 per cent on dining (when you select if as 1 of 5 preferred categories), $800 min spend |
| Groceries | DBS yuu Card Up to 18per cent at Cold Storage & GiantNTUC Link Credit Card by Trust Up to 21 per cent at FairPrice | CIMB Visa Signature 10per cent on groceries on MCC basis, $800 min spend, $20/category cap |
| Shopping | UOB EVOL Card 10 per cent online/mobile contactless, $600 min spend, $30 cap per month | OCBC FRANK Card 8per cent online/contactless, $800 min spend, $25 cap per month |
| Transport | UOB One Card Up to 10 per cent at Grab and SimplyGo, plus fuel savings at Shell and SPC petrol stations | Standard Chartered Smart Credit Card Up to 10per cent on SimplyGo and EV charging |
| Unlimited cashback | UOB Absolute Cashback Card 1.7 per cent unlimited, $0 min spend, earns on insurance | Citi Cash Back+ Card and OCBC INFINITY Card 1.6per cent unlimited, $0 min spend |
Before we go into more details, let’s get you orientated. Here’s a quick summary of how cashback credit cards work, so you understand the mechanics that underlie your rewards.
2. Best cashback credit card for dining
Winner: HSBC Live+ Card
For now, the crown goes to the HSBC Live+ Card, thanks to its eight per cent cashback on dining, shopping, and entertainment for the first two calendar quarters. With a relatively low $600/month minimum spend (or $1,000 total if you’re issued mid-quarter), it’s not hard to unlock.
Even better, the dining cashback is based on MCC codes, so you’ll earn at everything from your neighbourhood zi char to your favourite café abroad instead of just a fixed list of partner restaurants.
But why is it the winner only for now? The eight per cent cashback hinges on a promo that’s only valid until Dec 31, 2025. Yes, this promo has been renewed again and again since the card’s launch in June 2024, but there’s no guarantee HSBC will extend it again.
Runner-up: Maybank Family & Friends Card
The Maybank Family & Friends Card is wonderfully versatile because you can pick up to five categories on which to earn up to eight per cent cashback — the same rate as HSBC Live+, but with a higher minimum spend of $800/month.
Honourable mention: Citi Cash Back Card
With the Citi Cash Back Card, you take home a solid six per cent dining cashback on MCC-based spend with the same $800/month minimum spend. Flexible coverage, decent rate, but not quite HSBC's eight per cent.
Other dining cashback cards and why they didn't win
| Card | Dining cashback rate | Why it didn’t win |
| CIMB World Mastercard | 2 per cent unlimited on Wine & Dine with $1,000/month min spend | Lower rate than top contenders, with a high minimum spend |
| DBS yuu Card | Up to 18 per cent at yuu merchants (requires $600 total spend across all yuu categories) | Very high rate, but restricted to specific yuu partner outlets; doesn’t cover broader dining MCCs |
| Lazada-UOB Card | 5 per cent on dining (shared $25/month cap across dining, entertainment & transport from Sept 2025) | Cashback cap is low, especially since it will be shared across 3 categories |
| OCBC 365 Credit Card | 5 per cent on dining (including overseas & food delivery) with $800/month min spend | Good MCC breadth but lower rate than HSBC Live+ and Maybank F&F |
| POSB Everyday Card | 5 per cent on dining with $800/month min spend | Lower rate compared to top contenders |
| Standard Chartered Smart Credit Card | Up to 10 per cent at “Smart Dining” merchants with $1,500/month min spend | Restricted to a fixed merchant list and high minimum spend of $1,500 to unlock highest rate |
| Trust Cashback Credit Card | Up to 15 per cent on a category of your choice, including dining, with $250/month cap | Cashback cap limits earnings potential; high $2,000/month min spend to unlock highest rate; your bonus cashback is limited to just 1 category |
| UOB One Card | Up to 10 per cent at selected partners only (e.g. McDonald’s, Grab) | Limited—as far as dining goes, you’ll only earn at McDonald’s; high $2,000/month minimum spend to unlock highest rate |
3. Best cashback credit card for groceries
Winners: NTUC Link Credit Card by Trust, DBS yuu Card
If you're loyal to a single supermarket chain, merchant-specific cards can be unbeatable. The NTUC Link Credit Card by Trust gives market-leading rates of up to 21 per cent savings at FairPrice stores (including FairPrice Online), while the DBS yuu Card does the same with up to 18 per cent cashback at Cold Storage and Giant. These aren't MCC-based, but if you do most of your grocery runs at one of these chains, the extra cashback is worth it.
| Card | Minimum spend tier | Grocery cashback rate | Merchants |
| DBS yuu Card | $0 | 5 per cent base cashback (no cap) | Cold Storage, Giant, Guardian, and other yuu merchants |
| $600/month | 18 per cent (capped at $78/month bonus cashback; unlimited base cashback) | ||
| NTUC Link Credit Card by Trust | $0 | Up to 4.5 per cent for FairPrice members | FairPrice groceries include FairPrice supermarkets, FairPrice Online, Unity pharmacies. |
| $350/month | Up to 15 per cent for FairPrice members | ||
| $700/month | Up to 21 per cent for FairPrice members |
Runner-up: CIMB Visa Signature
For those who want the highest MCC-based rate, the CIMB Visa Signature offers 10 per cent cashback on all grocery spend, both in-store and online. The catch? You'll need to hit $800/month minimum spend, and cashback is capped at $20 per category — meaning you'll only earn cashback on the first $200 of grocery spend per month. Great for light-to-moderate shoppers, not for families doing $400+ grocery runs.
Honourable mentions: POSB Everyday Card, Citi SMRT Card
If you shop at Sheng Siong, the POSB Everyday Card is all for you: five per cent cashback with a remarkable $0 minimum spend. That's hard to beat for casual shoppers.
The other honourable mention goes to the Citi SMRT Card. Don't judge it by its unglamorous name — with a low $500 minimum spend, this card offers five per cent cashback on groceries from supermarkets, alongside online shopping and public and private transport.
Other grocery cashback cards and why they didn't win
| Card | Grocery Cashback Rate | Why It Didn’t Win |
| Citi Cash Back Card | 6 per cent on groceries (MCC-based) with $800/month min spend | Strong rate, but lower than CIMB Visa Signature with the same minimum spend |
| Lazada-UOB Card | 6 per cent (capped at $20) at RedMart till Aug 31, 2025; 2 per cent (capped at $20 shared with Lazada spend) from Sept 1, 2025 | Restricted to one merchant; cap is low and shared across multiple categories, limiting total savings potential |
| Maybank Family & Friends Card | Up to 8 per cent on groceries (choose as one of 5 preferred categories) with $800/month min spend | Competitive but falls short of the cards above, and the cap of $25/category limits big spenders |
| OCBC 365 Credit Card | 3 per cent on groceries with $800/month min spend, capped at $80/month | MCC coverage is broad, but rate is too low to compete |
| UOB One Card | 8 per cent with $2,000/month min spend, or 6 per cent with $1,000/month spend | High rate, but very high spend requirement |
4. Best cashback credit card for shopping
Winners: UOB EVOL Card and UOB One Card
Looking at high rates, low minimum spends, and a wide range of shopping categories, the UOB EVOL Card comes out on top. It offers 10 per cent cashback on combined online and mobile contactless spend, with just a $600/month minimum spend.
On top of that, you'll also get to enjoy 10 per cent cashback on selected gym, telco and streaming spend, and 0 per cent forex fees on all overseas foreign currency spend. The only downside? A $30/month cap, so anything above $300 in eligible spend won't earn cashback.
Willing to sacrifice category breadth for a bigger cap? If you're more of a Shopee-holic than a general shopaholic, the UOB One Card is worth a look. Even the lowest $600/month tier gives 8.33 per cent cashback at Shopee, which is made up of 3.33 per cent quarterly cashback and 5per cent additional cashback.
Best of all, the card offers a generous $120 cap on the additional cashback you earn, equivalent to $2,400 worth of spending. The catch is that it's Shopee-only, so not great for varied shopping.
Runner-up: OCBC FRANK Card
A strong all-rounder, the OCBC FRANK Card boasts 8per cent cashback on local online/contactless mobile spend and foreign spend with $800/month minimum spend. Rather than rewarding you based on MCC, it awards cashback based on your payment code, greatly widening your cashback net.
Honourable mentions: CIMB Visa Signature, HSBC Live+ Card
The CIMB Visa Signature comes with a generous 10 per cent cashback, but only for online spend. Plus, it limits you to a $20/category cap and requires $800/month minimum spend.
With the HSBC Live+ Card, you can currently enjoy eight per cent cashback with a low minimum monthly spend of $600, but this is a promotional rate only valid till Dec 31, 2025. Fingers crossed — hopefully HSBC extends it!
Other shopping cashback cards and why they didn't win
| Shopping cashback card | Rate / Min spend / Cap | Why it didn’t win |
| Citi SMRT Card | 5per cent on online shopping / $500 min spend / 600SMRT$ cap per year | Decent rate and low min spend, but lower than top contenders and capped |
| DBS Live Fresh Card | 6per cent on shopping (online & in-store) / $800 min spend / $50 per month cap for shopping | Solid coverage but rate lower than top contenders |
| Maybank Family & Friends Card | Up to 8per cent on shopping (if you select is as 1 of 5 preferred categories) / $800 min spend / capped at $25 per month per category | High rate but cap limits heavy shoppers |
| POSB Everyday Card | 8per cent at selected online merchants / $800 min spend / $20 per month category cap | Limited to specific merchants and not MCC-based; cap of $20/month |
| Trust Cashback Credit Card | – Up to 5per cent / $500 min spend / $30 monthly cap– Up to 10per cent / $1,000 min spend / $100 monthly cap– Up to 15per cent / $2,000 min spend / $250 monthly cap | High minimum spend required to unlock highest rate; selecting this as your bonus category also limits you to only earn bonus rates on shopping |
5. Best cashback credit card for transport
Winner: UOB One Card
For a mix of SimplyGo, petrol, and Grab rides, the UOB One Card delivers the highest overall earning potential. You can get up to 10 per cent cashback at selected transport merchants like Grab and SimplyGo, plus strong petrol savings of up to 22.66 per cent at Shell and SPC.
The UOB One Card's 10 per cent cashback on transport is unlocked for high spenders hitting the $2,000/month tier, but even the lower tiers ($600 or $1,000/month) give respectable returns of 8.33 per cent cashback for daily commuters.
Runner-up: Standard Chartered Smart Credit Card
With the Standard Chartered Smart Credit Card, earn up to 10 per cent cashback on "Smart Transport", which includes SimplyGo and EV charging, alongside dining and streaming.
You earn eight per cent with a $800/month spend, and 10 per cent with a $1,500/month spend. While the latter is a high spend requirement, the UOB One Card's ask to unlock the same 10 per cent is even higher.
One great feature of the SC Smart Credit Card is that its cashback is unlimited for all tiers, so you don't ever need to worry about charging too much to this card. But what is limited about the Standard Chartered Smart Credit Card is that its bonus cashback only applies to SimplyGo and EV charging.
Honourable mention: Citi Cash Back Card
The SC Smart Card's narrow category selection is why I think of the Citi Cash Back Card as something like the Smart Card's alter ego.
With this Citi card, you can similarly earn eight per cent cashback with $800 minimum spend, but this time on petrol and private commute instead of SimplyGo and EV charging. I bumped it to a spot below the SC Smart Card because it isn't limitless; cashback is capped at $80/month, so high spenders will be limited.
Other transport cashback cards and why they didn't win
| Card | Rate / Min spend / Cap | Why it didn’t win |
| CIMB World Mastercard | 2 per cent unlimited on taxis & automobiles / $1,000 min spend / No cap | Low rate compared to top contenders; better suited for those wanting unlimited coverage |
| Citi SMRT Card | Up to 5 per cent on SimplyGo / $500 min spend / 600SMRT$ annual cap | Decent rate for $500/month minimum spend, but it just isn;t as competitive as our winning cards |
| DBS Live Fresh Card | 6 per cent on transport (SimplyGo) / $800 min spend / $20 cap for transport | Wide breadth, but high minimum spend and high cap that would limit heavy commuters |
| DBS yuu Card | Up to 18 per cent at Gojek / $600 min spend / Capped at $78/month bonus cashback; unlimited base cashback | Very high rate at Gojek, but also a very narrow merchant list of just 1 — no earnings for petrol or SimplyGo |
| Lazada-UOB Card | (from Sept 1, 2025) 5 per cent on transport / $700 min spend / $25 shared cap with dining & entertainment | Low shared cap reduces earnings potential for transport |
| Maybank Family & Friends Card | Up to 8 per cent on transport (choose as 1 or 5 preferred categories) / $800 min spend / $25 per category cap | High rate but capped at equivalent of $312.50 spend, not ideal for frequent commuters or drivers |
| OCBC 365 Credit Card | 6 per cent on petrol; 3 per cent on taxis, private commute and EV charging / $800 min spend / $80 monthly cap | Strong for petrol, but weak for taxi and private hire, and no SimplyGo coverage |
| OCBC FRANK Card | Up to 10 per cent on SimplyGo and BlueSG (mobile contactless) / $800 min spend / $25 cap per category | High rate, but cap limits earnings |
| POSB Everyday Card | 10 per cent with SimplyGo / $800 min spend / $20 monthly cap 6 per cent at SPC (petrol) / $0 min spend / No cap | Good SimplyGo and single-merchant petrol savings, but no coverage for taxis/private hire |
| Trust Cashback Credit Card | – Up to 5 per cent / $500 min spend / $30 monthly cap– Up to 10 per cent / $1,000 min spend / $100 monthly cap– Up to 15 per cent / $2,000 min spend / $250 monthly cap | High minimum spend required to unlock highest rate; selecting this as your bonus category also limits you to only earn bonus rates on shopping |
6. Best cashback credit card for unlimited cashback
If optimising specific spend categories is too much work for you, let's take a step back and look at the all-in, catch-all type of cashback card: unlimited cashback credit cards. These cards offer cashback on almost everything, and usually come with a $0 minimum spend requirement. They're great for:
- People who cannot be bothered remembering which card to tap on the train, which to use when eating out, etc.
- Earning cashback on large purchases like furniture or electronics — these would otherwise bust the cap on most other cashback credit cards that have monthly or annual caps
Winner: UOB Absolute Cashback Card
When it comes to unlimited cashback cards in Singapore, the UOB Absolute Cashback Card isn't just the highest no-minimum-spend rate after promos, at an impressive 1.7 per cent. It's also an ultra-rare card that earns you cashback on things like insurance premiums — and this is after its May 2024 nerf, before which it even earned you 1.7 per cent on categories like education, tax payments, pet stores and veterinary services, medical services and hospitals, utilities, and more.
The only catch? The UOB Absolute Cashback Card is an American Express card, so acceptance can be slightly more limited compared to Visa or Mastercard.
Runner-ups: Citi Cash Back+ Card, OCBC INFINITY Card
The Citi Cash Back+ Card and OCBC INFINITY Cashback Card both offer 1.6 per cent unlimited cashback with no minimum spend. They're both Mastercard, which might be preferable if you’re worried the UOB Absolute Card may not be accepted due to it being with Amex.
How do you decide between them then? Consider:
- Which has a better welcome gift? This factor was what made me choose the Citi Cash Back+ for myself. Check out our article on credit card promotions in Singapore for a summary.
- Do you prefer redeeming cashback in your own time, or have it automatically offset your next bill? The former is the OCBC INFINITY, and the latter the Citi Cash Back+.
- Do you have or plan to open a savings account like the OCBC 360 savings account? In my opinion, the OCBC 360 is better than the Citi Wealth First account, and the OCBC INFINITY Card can help to earn you higher bonus interest. Read more in my review of savings accounts in Singapore.
Honourable mentions: American Express True Cashback Card, Standard Chartered Simply Cash Credit Card
We have two cards whose regular rates aren't high, but stand out now thanks to limited-time promotions. The American Express True Cashback Card offers a juicy three per cent cashback on up to $5,000 spend in the first six months before reverting to an unlimited 1.5 per cent cashback. It's perfect if you have known big purchases you're planning for at merchants that take Amex.
Another strong contender is the Standard Chartered Simply Cash Credit Card, with its ongoing two per cent unlimited cashback promo (until Oct 31, 2025) for those who can meet the $800 minimum spend threshold.
Other unlimited cashback cards and why they didn’t win
There are many other unlimited cashback cards in Singapore that generally offer between 1.5 - 1.7 per cent with no minimum spend. If you ask me, 0.1 per cent isn't going to make a huge difference — I myself use the Citi Cash Back+ just because the welcome gift appealed to me — so here's a summary if you want to browse the alternatives:
| Unlimited cashback card in Singapore | Cashback rate | Why it didn’t win |
| American Express True Cashback Card | – 3.0per cent cashback on up to $5,000 spend in the first 6 months– 1.5per cent unlimited cashback all subsequent eligible purchases | The 3per cent is impressive, but only lasts for 6 months and is limited to $5,000 spend |
| CIMB World Mastercard | – 2per cent unlimited cashback on dining, online food delivery, entertainment, transport, and luxury goods with ≥ $1,000 spend in a statement month.– 1per cent unlimited cashback on all other spend, or on eligible categories if monthly spend is < $1,000. | 2per cent cashback comes with a high minimum spend of $1,000; otherwise, the 1per cent cannot compete |
| CIMB Visa Infinite | – 2per cent unlimited cashback on travel, overseas spending, and online spend in foreign currency with ≥ $2,000 spend in a statement month– 1per cent unlimited cashback on all other spend, or on eligible categories if monthly spend is < $2,000. | 2per cent cashback comes with an even higher minimum spend of $2,000; again, otherwise, the 1per cent cannot compete |
| Citi Cash Back+ Card | Unlimited 1.6per cent with no minimum spend; cashback does not expire | Decent, but it falls just 0.1per cent short of UOB Absolute Cashback |
| OCBC INFINITY Cashback Card | Unlimited 1.6per cent with no minimum spend; cashback automatically offsets your next credit card bill | Decent, but it also falls just 0.1per cent short of UOB Absolute Cashback |
| Standard Chartered Simply Cash Credit Card | – [Limited time] 2per cent unlimited cashback, from now to 31 Oct 2025 if you spend ≥ $800 within 30 days– Otherwise, 1.5per cent unlimited cashback with no minimum spend; cashback automatically offsets your next credit card bill | 2per cent is for a limited time; otherwise its 1.5per cent rate is not as competitive |
| Trust Cashback Credit Card | Unlimited instant 1per cent cashback with no minimum spend* This credit card is sort of a hybrid. It also offers up to 15per cent cashback on 1 category of your choice with a monthly minimum spend—read more in my review. | 1per cent is low for an unlimited cashback credit card |
| UOB Absolute Cashback Card | – Unlimited 1.7per cent with no minimum spend on almost everything, even insurance premiums– Cashback automatically offsets your next credit card bill | With the highest unlimited cashback rate in Singapore (excluding limited-time promotions), it won! |
7. Finding the best combination for you
While we've crowned the best cards for each category, the reality is your personal "best" might be a mix — either across two or more cards, or within a single card that covers multiple categories well.
If you have high, consistent spend in different areas (say, dining and groceries), pairing two specialised cards could maximise your returns. But if your monthly spend isn't high enough to meet the minimum spends on multiple cards, a versatile card that earns well across categories might be the smarter move.
For example, I wanted a card for my daily commute and online shopping. On paper, the Citi SMRT Card isn't a winner in any single category, but it gives me decent cashback on SimplyGo rides and online spend with just a $500 minimum. I also keep the Citi Cash Back+ Card in my wallet to whip out for big purchases that would bust other cards' cashback caps.
The key is to map your spending patterns by looking at your actual monthly expenses first. Then choose a combo of cards or a single all-rounder that covers your biggest spend categories without overcomplicating your wallet.
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This article was first published in MoneySmart.