CIMB Visa Signature Card — Up to 10% Online & Groceries
Earns up to 10% on online shopping, up to 10% on groceries, up to 10% on cruises, up to 10% on beauty and wellness, and up to 10% on pet shops and veterinary services — on the max tier. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| Groceries· capped | 10% | S$20 |
| Online Shopping· 33% of shopping & online· capped | 3.3% | S$20 |
| All other categories (base rate) | 0.2% | S$3 |
| Monthly cashback | S$43 | |
| Annual cashback | S$521 | |
Merchant coverage applied — tune the percentages in “Adjust merchant coverage” under Your monthly spending.
New-to-CIMB cardmembers who apply through this link choose one: - S$50 Cash via PayNow (SingSaver Exclusive) Additionally, new CIMB cardmembers who activate their card and spend min. S$2,000 in eligible posted transactions within the first 60 days of card approval are eligible to receive a Samsonite Black Label Fanthom Spinner 69/25 EXP TSA Luggage (worth S$1,150), fulfilled by CIMB. This offer is stackable with the SingSaver Exclusive Offer.
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_new- •0.2% base rate on all eligible spend
- S$800+/mo tier:
- •10% on Online Shopping (capped at S$20/mo) — Online shopping (Shopee, Amazon, Alibaba, clothing, department stores, etc.). Local and overseas.
- •10% on Groceries (capped at S$20/mo) — All local and overseas transactions made in supermarkets.
- •10% on Cruises (capped at S$20/mo) — All local and overseas transactions made for Cruise Lines.
- •10% on Beauty and Wellness (capped at S$20/mo) — Personal Care Facilities, Pharmacies, Cosmetic Stores, Hairdressers, Massage Parlours, Health and Beauty Spas. Local and overseas.
- •10% on Pet Shops and Veterinary Services (capped at S$20/mo) — All local and overseas spendings at pet shops and veterinary services.
- •Bonus cashback capped at S$100/mo — base spend continues earning 0.2% uncapped
- •No annual fee
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- Complimentary Travel Insurance
Get travel insurance coverage of up to S$500,000 for you and your family when you charge your full travel fares to your card.
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Charge your full travel fares to your CIMB Visa Signature Credit Card.
- Visa Signature Concierge
Access world-class service and privileges through the Visa Concierge app or hotline anytime, anywhere.
- CIMB Deals and Discounts
Benefit from over 1,000 deals and discounts across dining, retail, and lifestyle outlets in Singapore, Malaysia, and Indonesia.
- Annual fee
- S$0.00Free for life
- Foreign currency transaction fee
- 3%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 28%
- Minimum payment
- 3% of the outstanding balance or S$50
- Interest-free period
- 23 days
- Min. income (Singapore Citizen / PR): S$30,000
- Minimum age: 21
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Applicants who do not meet the minimum income requirement can submit a Fixed Deposit collateral of at least S$10,000
- •The annual fee is S$0, waived permanently for the life of the card.
- •Earns 10% cashback on online shopping, groceries, cruises, beauty and wellness, and pet shops/veterinary services when the monthly spend threshold is met.
- •Complimentary travel insurance coverage of up to S$500,000 is provided for the cardholder and family when full travel fares are charged to the card.
- •Access to over 1,000 deals and discounts across dining, retail, and lifestyle outlets in Singapore, Malaysia, and Indonesia is included.
- •Visa Signature Concierge service is accessible anytime via the Visa Concierge app or hotline.
- •The 10% cashback rate requires a minimum monthly spend of S$800 to be unlocked; a base rate of 0.2% applies otherwise.
- •Cashback is capped at S$20 per category per month, with a total monthly cap of S$100 across all qualifying categories.
- •A foreign transaction fee of 3% applies to all transactions made in foreign currencies.
- •A late payment fee of S$100 is charged when the minimum payment is not made by the due date.
- •The minimum income requirement for Singapore Citizens is S$30,000 per year; applicants who do not meet this threshold must provide a Fixed Deposit collateral of at least S$10,000.
About the CIMB Visa Signature Card
The CIMB Visa Signature Card is a tiered cashback card from CIMB. Base-tier earning is 0.2% on every eligible dollar. At its top qualifying tier (S$800/mo+), the card reaches up to 10% on online shopping, 10% on groceries, 10% on cruises, 10% on beauty and wellness, and 10% on pet shops and veterinary services. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. There is no annual fee. Terms and conditions apply.
Cashback breakdown
At the base tier, the CIMB Visa Signature Card earns 0.2% on every eligible dollar. From S$800/mo qualifying spend, the card earns 10% on online shopping, 10% on groceries, 10% on cruises, 10% on beauty and wellness, and 10% on pet shops and veterinary services.
Where this card earns the most
The CIMB Visa Signature Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$800/mo+), the calculator returns higher projected monthly cashback for online shopping, groceries, cruises, beauty and wellness, and pet shops and veterinary services spend than for cards without those bonuses. Below the lowest tier (S$800/mo), every eligible dollar earns the 0.2% base rate.
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Frequently asked questions
Is the CIMB Visa Signature Card worth it?
The CIMB Visa Signature Card earns 0.2% cashback on general spend and up to 10% on groceries and 10% on shopping & online, with no annual fee. Bonus rates require at least S$800 in monthly spend and bonus cashback is capped at S$100 per month. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the CIMB Visa Signature Card for?
The CIMB Visa Signature Card suits household and grocery spenders, online shoppers, and those who want a card with no annual fee — it earns up to 10% on groceries and 10% on shopping & online. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with travel insurance.
How much cashback does the CIMB Visa Signature Card earn?
The CIMB Visa Signature Card has 2 earning tiers in total. At the base tier, every eligible dollar earns 0.2%. From S$800/mo qualifying spend, the card earns 10% on online shopping, 10% on groceries, 10% on cruises, 10% on beauty and wellness, and 10% on pet shops and veterinary services.
Is there a minimum monthly spend?
There's no single minimum spend — the CIMB Visa Signature Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$800/mo+ the card unlocks 10% on online shopping, 10% on groceries, 10% on cruises, 10% on beauty and wellness, and 10% on pet shops and veterinary services. Below the lowest tier, the card earns the base 0.2% rate.
Is there an annual fee?
No. The CIMB Visa Signature Card has no annual fee.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.