Best Credit Card Deals in Singapore (2026): Cashback, Miles & Sign-Up Bonuses

Updated June 2026 — compare every major card deal, welcome bonus, and promo in one place.

The best credit card deals in Singapore in 2026 depend on how you spend. Cashback seekers get up to 15% back with the Trust Cashback Card; miles hunters earn up to 4 miles per dollar with the HSBC Revolution; and new cardholders can pocket up to S$420 cash or score gadgets worth S$799 as welcome bonuses. Digital bank cards like the Mari Credit Card and GXS FlexiCard now compete head-to-head with traditional banks — often with zero annual fees and no FX markups.

Not financial advice. All figures are for educational reference only. Data as at June 2026 unless noted.

Table of Contents

Best Cashback Credit Card Deals in Singapore 2026

Cashback cards give you a percentage of every purchase back as cash — no miles conversion needed. They are ideal if you want simplicity and immediate savings. Here are the top deals as at June 2026.

Source: Bank websites, MoneySmart, SingSaver — June 2026. Cashback rates may require minimum spend thresholds.

Trust Cashback Card: Best No-Fee Cashback Deal

The Trust Cashback Card — backed by Standard Chartered and FairPrice — gives you 1% cashback on all spend as a base rate. Every quarter, you pick one preferred category (such as dining, transport, or groceries) and earn up to 15% cashback on that category, capped at S$250 per quarter.

You also get zero annual fee and zero FX fees on overseas spend — making it a strong everyday companion. New-to-Trust customers can use referral code HTWYQP95 (Trust Bank) for a scratch card worth up to S$1,000 when you spend once within 30 days of card approval (offer valid until 30 June 2026).

Note: From March 2026, Trust revised its structure — the 10% mid-tier and the higher foreign spend rate were removed. The current 1% base + 15% category deal is simpler and still very competitive for FairPrice shoppers.

UOB One Card: Best for High Monthly Spenders

The UOB One Card rewards you with up to 10% cashback when you spend S$2,000 or more per month. You also get up to 24% fuel savings at SPC and Shell petrol stations. The effective cashback is tiered — you earn more the higher your monthly spend. If your monthly bills and groceries routinely hit S$2,000, this card pays back well despite the S$192.60 annual fee. If your spend is inconsistent month to month, a flat-rate card is safer.

Best Miles Credit Card Deals in Singapore 2026

Miles cards convert your spending into airline miles — typically redeemable for flights, upgrades, or hotel stays. The key metric is miles per dollar (mpd). Higher is better, but watch for caps and minimum spend requirements.

*HSBC Revolution: 4 mpd on online & contactless transactions (dining, shopping, transport, travel bookings). No minimum spend. Source: HSBC Singapore — June 2026.

HSBC Revolution: Best No-Fee Miles Card

The HSBC Revolution Card earns 10X HSBC Reward Points — equivalent to 4 miles per dollar — on all online and contactless transactions. That covers dining (including food delivery), shopping, ride-hailing, and travel bookings. There is no minimum spend and no annual fee, making it the best entry-level miles card in Singapore for everyday spenders.

From April 2026, if you hold an HSBC Everyday Global Account with at least S$50,000 in deposits, you unlock an enhanced 20X points rate (8 mpd) on eligible spend. For most people without S$50,000 parked, the standard 4 mpd rate is still market-leading for a no-fee card. You can use your Singapore retirement calculator to figure out if that S$50,000 is better deployed elsewhere first.

UOB PRVI Miles: Best for Frequent Regional Travellers

If you travel regularly to Malaysia, Indonesia, Thailand, or Vietnam, UOB PRVI Miles pays 3 mpd in those countries — the highest regional rate among major Singapore cards. You earn 1.4 mpd locally (the highest standard local rate) and 2.4 mpd on all other overseas spend. Miles do not expire, which is useful if you are saving up for a business class redemption.

Best Credit Card Sign-Up & Welcome Bonuses in Singapore (June 2026)

Welcome bonuses are one of the fastest ways to rack up miles or cash. Banks compete hard for new cardholders, and the offers as at June 2026 are some of the most generous seen in years. Each deal typically requires you to be a new-to-bank customer and spend a minimum amount within the first one to three months.

Source: Bank websites, MileLion, SingSaver — June 2026. New-to-bank eligibility applies. Terms and conditions vary.

The Citi PremierMiles S$420 PayNow cash deal is the most accessible — you only need S$800 in spend over three months, and PayNow cash is immediately usable. If you value miles more than cash, the 30,000 bonus miles option (by paying the S$196.20 annual fee) is worth roughly S$300–400 in flight redemptions depending on the airline.

The OCBC Rewards card stands out for low spend required: just S$600 in three months unlocks 26,000 bonus miles and a Delsey luggage bag. That is strong value even if you do not plan to use the card long-term. To build your broader wealth picture alongside card rewards, check out the Singapore retirement calculator — knowing your long-term numbers helps you decide how much to optimise for short-term cashback vs long-term investing.

Digital Bank Credit Card Deals: Trust, MariBank & GXS

Singapore’s three licensed digital banks — Trust Bank, MariBank, and GXS Bank — all offer cards with no annual fees and competitive everyday rates. They are disrupting traditional banks on simplicity and cost, though their reward rates are lower than the top-tier miles and cashback cards from the big banks.

Trust Cashback Card (Trust Bank / Standard Chartered × FairPrice)

As covered above, the Trust Cashback Card offers 1% base cashback on all spend plus up to 15% on your chosen preferred category. There is no annual fee, no minimum spend requirement for the base rate, and zero FX markup on overseas transactions. From March 2026, Trust simplified its tier structure — removing the 10% mid-tier rate — making it cleaner and easier to understand.

Trust also runs exclusive partner deals: up to 20% off at Caltex, Zig, Agoda, KFC, and Deliveroo — these stack on top of your cashback. If you shop at FairPrice regularly, the Trust card is hard to beat. Apply with referral code HTWYQP95 for a scratch card worth up to S$1,000 (valid until 30 June 2026).

Mari Credit Card (MariBank)

The Mari Credit Card earns 1.5% cashback on both local and overseas spend — with no annual fee, no FX fees, and instant cashback posting (as at March 2026). It is the simplest card in MariBank’s lineup, and works best as a supplementary no-fee card for everyday spend that does not hit the preferred categories of your primary card. Use referral code 2DCT80WQ when signing up for MariBank. A S$0 transfer fee promo also runs for MariBank until 30 June 2026.

GXS FlexiCard (GXS Bank)

The GXS FlexiCard is a no-interest credit card backed by Grab and Singtel, with no minimum income requirements. It offers unlimited instant rewards with a revolving credit limit that flexes based on your GrabPay spending history. It does not earn traditional cashback or miles percentages in the same way as a conventional credit card. Instead, it functions more like a buy-now-pay-later facility with instant rewards on Grab-linked merchants. Use referral code YONG477 when signing up for GXS Bank. GXS also offers Boost Pockets savings at up to 1.40% p.a. if you are also looking for a place to park your emergency fund. Read more on passive income strategies in Singapore for context on how savings rates compare to other options.

Best Credit Card Deals for Dining & Travel

If dining out is your main spend category, a few cards pull ahead of the rest. The HSBC Revolution’s 4 mpd on online dining (including Deliveroo, GrabFood, and restaurant bookings) is the strongest miles earn rate with no annual fee. For straight cashback, the Trust Cashback Card’s 15% on dining (with preferred category selected) beats everything if you spend under S$250 per quarter in that category.

For petrol, the top deals are:

• OCBC 365: up to 22.92% fuel savings at Caltex, Esso, SPC, Sinopec via Voyage Privileges
• HSBC Live+: 5% cashback on petrol
• Citi Cash Back: 8% cashback at Esso and Shell

For overseas travel, the UOB PRVI Miles’ 2.4 mpd overseas rate (3 mpd in Malaysia, Indonesia, Thailand, Vietnam) is the strongest standard overseas earn in Singapore. Combined with miles that never expire, it suits frequent travellers who are accumulating for a big redemption. The DBS Altitude and StanChart Journey both earn 2.0 mpd overseas and have solid travel insurance perks bundled in.

If you fly Singapore Airlines regularly, the Singapore Airlines Krisflyer credit cards (DBS, UOB, or StanChart co-brand) let you earn KrisFlyer miles directly without a miles transfer step. For a broader passive income and investment strategy that complements your travel rewards, explore the moomoo Singapore review — some investors use cashback earnings to fund their regular investment contributions.

How to Choose the Right Credit Card Deal in Singapore

With dozens of cards competing for your wallet, the key is to match the deal to your actual spending habits — not to chase the highest headline rate that does not apply to how you spend.

Here is a simple framework to guide your decision:

Source: The Kopi Notes analysis based on bank websites and comparison platforms — June 2026.

One Card or Multiple Cards?

Most Singaporeans benefit from holding two cards: one for everyday spend (high cashback or miles on dining/groceries) and one for overseas travel or big-ticket purchases. Beyond two cards, the benefit of holding more diminishes unless you are an advanced miles collector optimising specific spend categories.

Annual fees are worth paying if the welcome bonus or annual benefits (lounge access, travel insurance, renewal miles) outweigh the cost. For most everyday spenders, no-fee cards like the Trust Cashback Card, HSBC Revolution, and Mari Credit Card provide excellent value without any cost commitment. You can also use savings from cashback to top up your investments — platforms like Endowus and Syfe let you invest from as little as S$1, making it easy to redirect card rewards into a long-term portfolio.

Annual Fee Waivers: What to Know in 2026

Most Singapore banks waive the annual fee for the first one or two years. After that, you can usually call to request a waiver — banks often grant it to retain customers, especially if you have met minimum spend. However, note that the DBS Altitude’s automatic annual fee waiver (for S$25,000+ annual spend) is ending from August 2026. DBS is compensating with 10,000 bonus miles on renewal instead. If you hold a DBS Altitude, factor this into your 2026 card review.

For a broader view of how credit card rewards fit into your overall financial plan, see our guide on CPF investment strategy — optimising card spend and CPF contributions together can materially improve your long-term financial position. You may also want to explore Singapore T-bills 2026 as a place to park your cash float while you collect welcome bonuses.

Disclaimer: This article is for educational purposes only. Credit card terms and promotions change frequently. Always verify the latest terms directly with the issuing bank before applying. The Kopi Notes is not a licensed financial adviser. Use referral codes where shown — TKN may receive a referral benefit.

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