Compare Singapore Cashback Cards
Enter your monthly spend to see an estimated projection of your potential cashback.
Cashback is projected from your spend per category.
Total monthly
S$2,250
Calculated locally in your browser. Caps and minimum spend are applied per card.
| Card Name & Bank | Base Rate | Min Spend | Category Bonus | Cap /mo | Annual Fee | Projected Cashback |
|---|---|---|---|---|---|---|
 Standard Chartered Smart Credit Card Standard Chartered | 1% | S$800 /month | Dining (10%)Transport (10%)Entertainment (10%) | No Cap | S$99 | S$1,197 Net / yr · 4.43% |
 Maybank Family & Friends Card Maybank | 0.2% | S$800 /month | Dining (8%)Transport (8%)Petrol (8%)+3 | S$180 | S$196 | S$1,097 Net / yr · 4.06% |
 Citi Cash Back Card Citi | 0.2% | S$800 /month | Petrol (8%)Groceries (8%)Transport (8%)+1 | S$80 | S$196 | S$745 Net / yr · 2.76% |
 OCBC 365 Credit Card OCBC | 0.3% | S$800 /month | Petrol (6%)Dining (5%)Groceries (3%)+3 | S$160 | Waived S$196 | S$642 Net / yr · 2.38% |
 HSBC Live+ Card HSBC | 0.3% | S$600 /month | Dining (8%)Entertainment (8%)Shopping (8%)+1 | S$83 | S$196 | S$624 Net / yr · 2.31% |
 UOB One Card UOB | 3.3% | S$600 /month | Online (10%)Transport (10%)Groceries (8%) | S$67 warningHit | S$196 | S$608 Net / yr · 2.25% |
 CIMB Visa Signature Card CIMB | 0.2% | S$800 /month | Online (10%)Groceries (10%) | S$100 | FREE | S$512 Net / yr · 1.90% |
 UOB Absolute Cashback Card UOB | 1.7% | None | Flat rate | No Cap | S$196 | S$263 Net / yr · 0.97% |
 DBS Live Fresh Card DBS | 0.3% | S$800 /month | Shopping (6%)Transport (6%) | S$70 | S$196 | S$261 Net / yr · 0.97% |
 Citi Cash Back+ Card Citi | 1.6% | None | Transport | No Cap | S$196 | S$207 Net / yr · 0.77% |
 Standard Chartered Simply Cash Credit Card Standard Chartered | 1.5% | None | Transport | No Cap | S$196 | S$182 Net / yr · 0.67% |
Standard Chartered Smart Credit Card
Standard Chartered
S$1,197
Net / yr · 4.43%
1%
Base
$800
Min
No Cap
Cap
$99
Fee
Maybank Family & Friends Card
Maybank
S$1,097
Net / yr · 4.06%
0.2%
Base
$800
Min
$180
Cap
$196
Fee
Citi Cash Back Card
Citi
S$745
Net / yr · 2.76%
0.2%
Base
$800
Min
$80
Cap
$196
Fee
OCBC 365 Credit Card
OCBC
S$642
Net / yr · 2.38%
0.3%
Base
$800
Min
$160
Cap
Waived
Fee
HSBC Live+ Card
HSBC
S$624
Net / yr · 2.31%
0.3%
Base
$600
Min
$83
Cap
$196
Fee
UOB One Card
UOB
S$608
Net / yr · 2.25%
3.3%
Base
$600
Min
$67
Cap
$196
Fee
CIMB Visa Signature Card
CIMB
S$512
Net / yr · 1.90%
0.2%
Base
$800
Min
$100
Cap
FREE
Fee
UOB Absolute Cashback Card
UOB
S$263
Net / yr · 0.97%
1.7%
Base
None
Min
No Cap
Cap
$196
Fee
DBS Live Fresh Card
DBS
S$261
Net / yr · 0.97%
0.3%
Base
$800
Min
$70
Cap
$196
Fee
Citi Cash Back+ Card
Citi
S$207
Net / yr · 0.77%
1.6%
Base
None
Min
No Cap
Cap
$196
Fee
Standard Chartered Simply Cash Credit Card
Standard Chartered
S$182
Net / yr · 0.67%
1.5%
Base
None
Min
No Cap
Cap
$196
Fee
How cashback is calculated
Cashback estimates use each bank's published category rates, monthly caps, and minimum spend requirements. Where a category cap is reached, the calculator stops accruing cashback for that category. The annual fee is netted off the gross cashback to derive net annual cashback. Cards are ranked by projected net annual cashback descending.
Annual fee vs cashback value
A card with a higher headline cashback rate but a higher annual fee may project lower net cashback than a fee-free card with a flat rate. The calculator nets the fee off automatically and shows the result.
Frequently asked questions
How do monthly cashback caps work?
Most Singapore cashback cards limit how much cashback you can earn per month — either per category or in total. Once the cap is reached, additional spend in that category earns the base rate or no further cashback for the month.
What counts as eligible spend?
Banks typically exclude insurance premiums, education, government payments, charitable donations, and certain utility bills. Check each card's exclusion list before relying on the projected cashback.
What happens if I do not meet the minimum monthly spend?
Cards with a minimum spend requirement fall back to a lower rate (often around 0.2% to 0.3%) for the month if you do not hit the threshold. The calculator applies this fallback automatically.
How does the annual fee waiver work?
Some cards waive the annual fee from year two onwards if you spend above a certain annual amount. The calculator includes this in the net cashback when your projected annual spend qualifies.
Are these rates guaranteed?
No. Banks change cashback rates, caps, and eligible categories regularly. The numbers shown are projections based on rates verified at the date noted, not guarantees of future earnings.
Last verified: April 2026
SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.
All cashback values are projections based on published bank rates as of April 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.