Singapore Cashback Cards

Best Cashback Cards in Singapore (2026)

Eight cashback cards compared on the numbers that actually matter: earn rate, minimum spend, and monthly caps. Every figure is sourced from the issuer's own product page or T&Cs — with the review date on every card page.

Data reviewed 22 September 2026. Cashback categories depend on MCC codes — check any merchant's code in our MCC database.

CardBest RateMinimum SpendCapBase Rate
Citi SMRT Card
Public transport commuters who also spend on groceries
Up to 5%S$500 per statement monthSMRT$600 per 12-month qualifying period (programme cap); per-category cashback caps apply0.3% cash back on all spend below the minimum spend tier
Citi Cash Back+ Card
Fuss-free earners who refuse to track categories
1.6% flatNoneNo cap on the 1.6% cash back1.6% on all eligible spend — there is no separate base tier
DBS Live Fresh Card
Online shopping and transport spend
Up to 6%S$800 per calendar monthS$50/month (shopping bonus) + S$20/month (transport bonus) — S$70 bonus total0.3% cash back on all spend, uncapped
HSBC Live+ Card
Dining and entertainment spend
5% (8% promo first 2 quarters)S$600 per month (S$1,000 in the first qualifying quarter)S$250 bonus cash back per calendar quarter0.3% cash back on all other eligible purchases
UOB One Card
Consistent spenders who can hit monthly tiers
Up to ~3.3% effective (S$200/quarter at S$2,000/month)S$600, S$1,000 or S$2,000 per statement month (each month of the quarter, minimum 10 transactions)S$200 per quarter at the top tier (S$800/year)Base rebates only via the quarterly structure — no separate all-spend rate
Standard Chartered Simply Cash Card
Simple, uncapped everyday earning
1.5% flatNoneNo cap1.5% on all eligible spend — no separate tiers
American Express True Cashback Card
New cardmembers wanting a strong first-6-months rate
3% first 6 months, then 1.5%None3% intro applies to the first S$5,000 of spend (max S$150); 1.5% thereafter uncapped1.5% on all eligible purchases after the intro window
Maybank Family & Friends Card
Households that can concentrate spend in chosen categories
Up to 8%S$800 (Tier 1, up to 6%) or S$1,600 (Tier 2, up to 8%) per calendar monthS$30 per category per month at Tier 2 (S$180 total); S$20 per category at Tier 1 (S$120)0.22% unlimited cashback on all other spend

The cards in detail

Citi SMRT Card

Up to 5%

Everyday cashback for commuters — bonus savings on transit, groceries and drug store spend, earned as SMRT$.

Min spend: S$500 per statement month · Cap: SMRT$600 per 12-month qualifying period (programme cap); per-category cashback caps apply

Citi Cash Back+ Card

1.6% flat

Flat 1.6% cash back on everything — no minimum spend, no cap, no categories to track.

Min spend: None · Cap: No cap on the 1.6% cash back

DBS Live Fresh Card

Up to 6%

Up to 6% on shopping and transport with zero FX fees — built for online shoppers and commuters.

Min spend: S$800 per calendar month · Cap: S$50/month (shopping bonus) + S$20/month (transport bonus) — S$70 bonus total

HSBC Live+ Card

5% (8% promo first 2 quarters)

5% on dining, shopping and entertainment (8% in the first two quarters) plus 5% fuel at Caltex and Shell.

Min spend: S$600 per month (S$1,000 in the first qualifying quarter) · Cap: S$250 bonus cash back per calendar quarter

UOB One Card

Up to ~3.3% effective (S$200/quarter at S$2,000/month)

Predictable quarterly rebates — S$60/100/200 per quarter based on monthly spend, plus bonus category cashback.

Min spend: S$600, S$1,000 or S$2,000 per statement month (each month of the quarter, minimum 10 transactions) · Cap: S$200 per quarter at the top tier (S$800/year)

Standard Chartered Simply Cash Card

1.5% flat

1.5% unlimited cashback on all eligible spend — no minimum spend, no caps, no categories.

Min spend: None · Cap: No cap

American Express True Cashback Card

3% first 6 months, then 1.5%

3% on everything for the first 6 months, then unlimited 1.5% — no categories, no caps, same-statement cashback.

Min spend: None · Cap: 3% intro applies to the first S$5,000 of spend (max S$150); 1.5% thereafter uncapped

Maybank Family & Friends Card

Up to 8%

Pick 5 of 10 categories — up to 8% at S$1,600/month, 6% at S$800/month, plus MYR/IDR spend bonus.

Min spend: S$800 (Tier 1, up to 6%) or S$1,600 (Tier 2, up to 8%) per calendar month · Cap: S$30 per category per month at Tier 2 (S$180 total); S$20 per category at Tier 1 (S$120)

How to choose a cashback card in Singapore

Cashback cards live or die on three numbers: the bonus rate, the minimum monthly spend to unlock it, and the cap that limits how much of your spending earns it. A 8% headline with a S$1,600 minimum spend and S$30-per-category caps can realistically earn less than a flat 1.6% no-strings card — it depends entirely on your spending pattern.

Flat-rate vs category cards

Flat-rate cards (Citi Cash Back+ at 1.6%, SC Simply Cash at 1.5%, Amex True Cashback at 1.5% ongoing) pay the same rate on everything with no minimum spend. Category cards (Citi SMRT, DBS Live Fresh, HSBC Live+, Maybank F&F) pay 5–8% on selected MCC categories but only after a minimum spend — and fall back to 0.22–0.3% on everything else. If you can't reliably hit the minimum spend, a flat-rate card usually wins.

Why MCC codes decide your cashback

Card issuers don't see "Grab" or "Shopee" — they see the merchant category code the acquirer files. The same app can earn bonus or base rates depending on the exact MCC of each transaction. Our MCC database and MCC code lookup let you check any merchant before you swipe.

Estimate your earnings

Run your monthly spending through the cashback calculator to compare real dollar returns across cards, or use the card finder to describe your spending profile and get matched recommendations.

Check a merchant's MCC before you spend

Bonus cashback is awarded per MCC code, not per brand. Search the database to see which code any Singapore merchant files under.

Browse MCC DatabaseCashback Calculator
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