New-to-Card Bonus: Activate and spend a minimum of S$500 by the end of the following calendar month. Payment of the annual fee (S$196.20) is required.
Sign-up Link: HSBC TravelOne Credit Card

New-to-Card Bonus: • Spend S$250 within 30 days of card approval for sign-up gift. Spend S$3,000 within 2 months of your card approval to receive 35,000 bonus miles + 10,000 bonus miles with the payment of the Annual Fee.
Sign-up Link: Standard Chartered Journey Credit Card

New-to-Card Bonus: Spend at least S$988 within 60 days following card approval.
Sign-up Link: CIMB Visa Infinite

The Mile-Chaser’s Dream Team (4 Miles per Dollar!)

Which credit card is the best in Singapore? Unfortunately, there is no easy answer to that as it really depends on how much you spend and what do you spend on (e.g. food, travel or shopping just to name a few). These are the top few credit cards that every mile-chaser in Singapore should have - they give you up to 4 miles per dollar on eligible purchases. To find out more about each one of these cards, check out my guide on earning miles quickly using the right credit cards.

Point Currency: DBS Points (1:2 Miles) 
Bonus Earn Rate: 4 Miles per Dollar on all Eligible Online Spend 
Base Earn Rate (SGD Spend): 0.4 Mile per Dollar
Base Earn Rate (Non-SGD Spend): 1.2 Miles per Dollar
Expiry of Points: 1 Year 
Notable Perks: Bonus miles awarded on transactions that are typically excluded (e.g. flights). 
Caveats: Bonus points are capped at the first S$1,500 each month. Do note that the transaction will have to be processed online in order for maximum miles (in the form of DBS Points) to be awarded. While DBS Points do pool with other DBS Cards (e.g. DBS Altitude Card), the points earned on the DBS Woman's World Mastercard expire within 1 year. 
Application Link: DBS Woman's World Card

Point Currency: ThankYou Points (2.5:1 Mile)
Bonus Earn Rate: 4 Miles per Dollar on Shopping (Online and Offline) - 10X Points (equivalent to 4 mpd) applicable to specific categories of spend only 
Base Earn Rate (SGD Spend): 0.4 Mile per Dollar
Base Earn Rate (Non-SGD Spend): 0.4 Mile per Dollar
Expiry of Points: 5 Years 
Notable Perks: Pair this card with Amaze Card to save on FX fees and earn 4 miles per dollar on all eligible transactions.
Caveats: Certain categories of spending are excluded (e.g. in-person hotel spend using a linked-Amaze card).
Application Link: Citi Rewards Card

Point Currency: UNI$ (1:2 Miles) 
Bonus Earn Rate: 20 Miles per S$5 (4 mpd) on all digital Contactless Transactions, as well as Eligible Online Spend 
Base Earn Rate (SGD Spend): 2.0 Miles per S$5 (0.4 mpd)
Base Earn Rate (Non-SGD Spend): 2.0 Miles per S$5 (0.4 mpd)
Expiry of Points: 2 Years 
Notable Perks: Get 4 mpd on all eligible contactless payments (including Apple Pay) - stack this with ShopBack GO to earn additional cashback on top of miles when using the card at any participating ShopBack GO merchants. 
Caveats: Bonus points are capped after the first S$1,000 eligible spend (or S$1,110 based on actual calculation) each month. UNI$ are typically deducted for annual fees at the start of a new membership year so be sure to take note of that. UNI$ (and therefore, miles) are awarded per S$5 block of spend so charging S$4.99 gets you absolutely nothing. 
Application Link: UOB Preferred Platinum Visa Card

Point Currency: Reward Points (2.5:1 Mile)
Bonus Earn Rate: 10X Rewards points (capped at 10,000 Rewards points or S$1,000 in eligible spend) for all eligible online and contactless payments that fall within any one of the listed Merchant Category Codes (MCC).
Base Earn Rate (SGD Spend): 0.4 Mile per Dollar
Base Earn Rate (Non-SGD Spend): 0.4 Mile per Dollar
Expiry of Points: 3 Years
Notable Perks: No annual fee forever.
Caveats: 4 miles per dollar awarded on certain spend categories only.
Application Link: HSBC Revolution Credit Card

Point Currency: OCBC$ (2.5:1 Mile)
Bonus Earn Rate: 20 Miles per S$5 (4 mpd) on SGD and Non-SGD spending in Stores and Online (e.g. Department Stores, Lazada, and Qoo10) - specific Merchant Category Codes required for bonus points to be awarded 
Base Earn Rate (SGD Spend): 2.0 Miles per S$5 (0.4 mpd)
Base Earn Rate (Non-SGD Spend): 2.0 Miles per S$5 (0.4 mpd)
Expiry of Points: 2 Years
Notable Perks: N/A
Caveats: 4 miles per dollar awarded on certain spend categories only - do check with OCBC Bank before charging a lump sum to be safe. Bonus points are capped after the first S$1,110 of eligible spending each calendar month.
Application Link: OCBC Rewards Credit Card

Point Currency: UNI$ (1:2 Miles) 
Bonus Earn Rate: 20 Miles per S$5 (4 mpd) on all eligible Overseas, Online, Petrol, and Contactless Transactions 
Base Earn Rate (SGD Spend): 0.4 Mile per Dollar
Base Earn Rate (Non-SGD Spend): 0.4 Mile per Dollar
Expiry of Points: 2 Years 
Notable Perks: Get 4 mpd on all foreign currency spend between S$1,000 and S$2,000 each month. 
Caveats: Minimum Foreign Currency (Non-SGD) Spend of S$1,000 is required in each statement period to trigger bonus points. Bonus points are capped after the first S$2,000 eligible spend each month. UNI$ are typically deducted for annual fees at the start of a new membership year so be sure to take note of that. UNI$ (and therefore, miles) are awarded per S$5 block of spend so charging S$4.99 gets you absolutely nothing. 
Application Link: UOB Visa Signature Card

Best Cash Back Cards (No Minimum Spend, No Cap)

Cash back credit cards offer immediate gratification - cash rebates are typically awarded in the same statement period and if you are looking for a fuss-free way to enjoy some savings on your daily expenses, here are some of the best cash back cards in Singapore that require no minimum spend and have no cap on the amount of cash rebates you can earn in each statement period.

New-to-Card Customers: Enjoy welcome bonus of 3% Cashback on up to S$5,000 eligible purchases within first 6 months.​
Application Link: American Express True Cashback Card

New-to-Card Customers: Get 8.4% bonus cashback on the first S$3,000 eligible spend (capped at S$252) during the qualifying period.
Application Link: Citi Cash Back+ Mastercard®

New-to-Card Customers: 10% cashback on the first S$1,000 spend within thirty days from card approval date.
Application Link: UOB Absolute Cashback Card

Credit Card Referrals (More Miles and Points!)

Want more points and miles? Sign-up for one of the following American Express cards using my referral link(s) to get more Membership Rewards (MR) Points and KrisFlyer Miles. These additional points and miles are on top of the welcome offer that American Express is offering.

Referral Bonus: 5,000 Bonus Points when you spend S$5,000 in the first 3 months of card membership.
Welcome Offer: Earn up to 135,000 Membership Rewards points when you spend S$6,000 in the first two months of Card Membership.
Annual Fee: S$1,744
Referral Link: The Platinum Charge Card

Referral Bonus: Get 2,500 Bonus Points when you spend S$1,000 in the first month of card membership.
Welcome Offer: Get up to S$250 eCapitaVouchers when you spend at least S$1,000 in the first month of card membership as an eligible new customer.
Annual Fee: S$327
Referral Link: The American Express Platinum Credit Card

Referral Bonus: Get 1,000 bonus KrisFlyer Miles after spending S$1,000 in the first month of Card Membership.
Welcome Offer: Earn up to 34,000 KrisFlyer miles when you spend S$3,000 in the first 3 months of Card Membership.
Annual Fee: S$343.35
Referral Link: The American Express Singapore Airlines KrisFlyer Ascend Credit Card