PayperWIZ

Best credit cards in Singapore, by what they actually pay

Every card in the Singapore catalogue, ranked by what it genuinely returns on each kind of spending — after the monthly cap, and after the minimum spend some cards require before any bonus rate applies.

37 cards · catalogue v101 · 6 of 37 read from the issuer's own terms

The best rate here with nothing attached to it

UOB Preferred Platinum pays 2.00% on online and delivery with no monthly cap and no minimum spend to unlock it — which is rarer, and worth more over a year, than most of the larger numbers in the table below.

The 6 Singapore cards read off the issuer

Every rate on this page came from somewhere. These ones came from the bank's own published terms, read by a person on the date shown, with the cap and the minimum spend that the comparison tables leave out. Each has its own page.

Every category in Singapore

In the order people spend, not biggest number first. The highest rate on a card is routinely the one that means least, so what limits it is shown beside it.

Best published return per category in Singapore, from 37 cards. The headline rate is one that covers the whole category; where a bigger rate covers only part of it, that is shown underneath with what it covers.
Spending onBest returnCard
groceries10.00%CIMB Visa SignaturecheckedCIMB · SGD 0 a yearat most SGD 20 back a month; needs SGD 800 a month on the card first
dining6.00%or 10.00% (online food delivery), with POSB Everyday CardCiti Cash Back CardcheckedCitibank · SGD 196.20 a yearat most SGD 80 back a month; needs SGD 800 a month on the card first
fuel8.00%Citi Cash Back CardcheckedCitibank · SGD 196.20 a yearat most SGD 80 back a month; needs SGD 800 a month on the card first
supermarkets2.00%on Preferred Rewards CategoryUOB Lady's CardUOB · SGD 196.20 a yearat most SGD 0.02 back a month
online and delivery2.00%or 10.00% (Online Shopping), with CIMB Visa SignatureUOB Preferred PlatinumUOB
travel3.00%or 10.00% (Cruise), with CIMB Visa SignatureOCBC 365checkedOCBC · SGD 196.20 a yearat most SGD 160 back a month; needs SGD 800 a month on the card first
phone and internet10.00%on selected telco merchantsUOB EVOLUOB · SGD 0 a yearat most SGD 20 back a month; needs SGD 800 a month on the card first
entertainment3.00%or 10.00% (Beauty and Wellness), with CIMB Visa SignatureOCBC 365checkedOCBC · SGD 196.20 a yearat most SGD 160 back a month; needs SGD 800 a month on the card first
pharmacy10.00%CIMB Visa SignaturecheckedCIMB · SGD 0 a yearat most SGD 20 back a month; needs SGD 800 a month on the card first
education0.30%UOB Absolute CashbackcheckedUOB · SGD 0 a year
government3.00%OCBC 365checkedOCBC · SGD 196.20 a yearat most SGD 160 back a month; needs SGD 800 a month on the card first
everything else1.70%or 10.00% (Pet Shops and Veterinary Services), with CIMB Visa SignatureUOB Absolute CashbackcheckedUOB · SGD 0 a year
How these were worked out. 6 of the 37 cards here have been read against the issuer's own terms line by line and are marked checked in the tables below. The rest come from each issuer's published material and have not been checked that way. Every rate is converted to what the card actually returns — points and miles are valued at the redemption rate the programme publishes, using the rate anyone can take rather than the best one available after a transfer. Where a card's programme publishes no redemption value, the card is left off this page rather than listed at a number that would be a guess. Caps and minimum monthly spends are shown because they are usually what decides whether a headline rate is real.

This is a table. Your wallet is a decision.

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and needs no bank connection.

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Other markets

The same working, for the other countries in the catalogue.