7 Best Cashback Credit Cards in Singapore (2026)
Seven cashback credit cards from MAS-listed banks open to new applicants in Singapore, with issuer positioning and what to check before you apply.
- Edited by
- Amir Wahab
- Published
- Reading time
- 6 min read
AI image by LocalRankA cashback credit card returns part of what you spend as a credit against your bill, in place of miles or points. This page lists seven cashback cards that their issuers currently show as open to new applicants in Singapore, each issued by a bank listed in the Monetary Authority of Singapore's Financial Institutions Directory. Each entry uses the card's name as printed on the issuer's own page. The order is editorial grouping, not a ranking, and this is general information rather than advice. Earn rates, caps, fees, income requirements and welcome offers change often and are deliberately left out. Read the issuer's current product page and terms before you apply.
1. OCBC 365 Credit Card
The OCBC 365 Credit Card is a cashback card issued by Oversea-Chinese Banking Corporation Limited, which MAS's Financial Institutions Directory lists as a local bank. OCBC's product page shows an apply button for the card, so it is open to new applicants. The bank describes it as an everyday card that earns cashback across ordinary spending categories such as dining, groceries, utilities, fuel and transport, rather than a premium travel product. Which categories earn the higher rates, and any limits on them, are set out in OCBC's terms and may be revised, so confirm them on the page. The same page also mentions bundling benefits with an OCBC deposit account. Applicants should check the bank's stated eligibility rules, fees and cashback conditions before applying.
2. UOB One Card
The UOB One Card is issued by United Overseas Bank Limited, which MAS's Financial Institutions Directory lists as a local bank. UOB's own page for the card shows an apply button, so it is shown as open to applicants today. UOB positions it as a high-cashback card for daily spending, with the page highlighting groceries, dining, transport and fuel. The page also states that sales representatives may be remunerated for recommending or selling the card. Cashback structure and the spending conditions attached to it are laid out in UOB's terms and have changed before, so treat the bank's current page as the source. Compare the card's requirements with your own spending pattern, and read the cardmember agreement linked from the page.
3. Simply Cash Credit Card
The Simply Cash Credit Card is offered by Standard Chartered Bank (Singapore) Limited, which MAS's Financial Institutions Directory lists as a qualifying full bank. The bank's product page for the card carries an apply button, so it is shown as open to new applicants. Standard Chartered presents the card as a way to pair cashback on everyday spending with its savings products, and its page links the card to interest-earning deposit accounts. That pairing has its own conditions. The page also points to an Important Information Document for the bank's credit cards covering interest, fees and charges. Read that document and the cashback terms first, because earn rules and exclusions are the details that decide what a card is actually worth.
4. HSBC Live+ Credit Card
The HSBC Live+ Credit Card is issued by HSBC Bank (Singapore) Limited, which MAS's Financial Institutions Directory lists as a qualifying full bank. HSBC's product page shows several apply buttons for the card, so it is presented as open to new applicants. The bank describes it as a lifestyle card for spending on dining, shopping and entertainment, with cashback earned towards purchases a cardholder has in mind. Fuel spending also features. How the cashback tiers work, what counts as an eligible transaction and any applicable limits are all defined in HSBC's terms, which can change. Check the current conditions, the bank's income criteria and the fee schedule on its site before you decide whether the card matches how you pay.
5. Citi Cash Back Card
The Citi Cash Back Card is issued by Citibank Singapore Limited, which MAS's Financial Institutions Directory lists as a qualifying full bank. Citibank's cashback card listing shows an apply button for it, so it is displayed as open to new applicants. Citi describes the card as rewarding spending in a handful of named everyday categories, including fuel, private commute, dining and groceries, with a different treatment for all other retail spending. Its page says earned cashback does not expire and is credited to the card account on the billing cycle, and that earnings can be tracked in the Citi Mobile App. The thresholds, caps and crediting rules are Citi's to set and update, so check the product page and terms before applying.
6. Citi Cash Back+ Card
The Citi Cash Back+ Card is also issued by Citibank Singapore Limited, which MAS's Financial Institutions Directory lists as a qualifying full bank. It appears among the cashback cards on Citibank's credit card page with an apply button, so it is shown as open to applicants. Citi markets it as a simpler, flat-style cashback card, with its page describing cashback on everyday spending without a minimum spend requirement or a cashback cap. That contrasts with the category-based design of the Citi Cash Back Card listed above, which is why the two are separate entries. The page also mentions instalment options and access to Citi's dining and shopping privileges. Confirm the current earn terms, exclusions and fees on the issuer's page before you apply.
7. Trust Freedom Credit Card
The Trust Freedom Credit Card is issued by Trust Bank Singapore Limited, which MAS's Financial Institutions Directory lists as a full bank; Trust's own site carries the standard Singapore Deposit Insurance Corporation statement for deposits. The card's page shows apply buttons, so it is open to new applicants. Trust describes it as a single card where the cardholder chooses a rewards type, cashback, miles or stockback, and says the choice can be switched each quarter. This page covers it because cashback is one of the options. The page also refers to a Key Facts Sheet and product terms. Because reward options and conditions are the bank's to change, read the current terms, and consider how the chosen reward works, before applying.
How to choose
- Check who the issuer is and how it is regulated. Credit cards in Singapore are offered by banks that appear in the Monetary Authority of Singapore's Financial Institutions Directory. Confirm the legal entity named in the card's terms matches a listed institution, and be cautious of offers from anyone who cannot name the bank behind the product.
- Read how cashback is actually earned before looking at any headline claim. Issuers define eligible and excluded transactions, spending thresholds, category rules and caps in their terms, and these differ between cards and change over time. Work out which of your regular payments genuinely qualify, because a card suited to someone else's spending may earn little on yours.
- Look at the whole cost of holding the card, not just the rewards. Annual fees, late payment charges, interest on unpaid balances and foreign currency fees are listed in the issuer's fee schedule or key facts document. Cashback only makes sense if you clear the balance in full each month, since interest can easily outweigh what you earn.
- Treat welcome offers and promotions with care, because they are temporary and often carry minimum spend or timing conditions. Judge a card on its permanent structure and read how the issuer credits cashback, whether it expires, and how it reaches you, such as a statement credit, since these practical details affect how useful the reward is.
- Confirm that you meet the issuer's eligibility rules before applying, including age, residency status and income criteria, and understand that each application can leave a record with credit bureaus. Keep the product summary, cardmember agreement and customer service channels to hand, and use the issuer's official site or app to apply or ask questions.
. No changes recorded since.
Founder and Editor
Amir Wahab is the founder and editor of LocalRank, an independent Singapore rankings and local guides publication.
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