Best Rewards Credit Cards in Singapore 2022 Citibank OCBC DBS

Ready to Turn Your Everyday Spending into Reward Gold?

Picture this: every swipe of your card isn’t just a purchase—it’s a ticket to a treasure trove of perks. No more old‑school voucher blanks; banks finally opened the chest to real goodies.

What’s in the Cache?

• Fine dining vouchers that let you splurge on highbrow restaurants without breaking the bank.
• Amazon credits for that gadget you’ve been eyeing or a last‑minute gift.
• Cash rebates to keep your wallet healthy and happy.

Jet‑Set on a Budget

With the travel bubble back in action, why not chip in your everyday local spend to rack up those coveted air miles? Your coffee run, supermarket trip, and even the snack cloud could finally pay dividends at the airport.

So, if you’re a points‑hoarding hero, snag a rewards card today and let your everyday habits take you places—literally. It’s not just about the points; it’s about making every swipe feel like a win.

Best rewards credit cards in Singapore 2022

Unlock the Sweetest Card Rewards—Without the Stress

Feeling swamped by the endless sea of credit cards? Fear not! We’ve done the heavy lifting and filled this page with the absolute best cards to rack up points on your everyday spend.

Citi Rewards Card

• Fast‑Track Categories: Online payments and select retail stores
• Point Boost: 10× points on every $1 spent
• Cap: First $1,000 of your monthly spend gets the 10× bonus
• Expiry: Points stay alive for 60 months

OCBC Titanium

• Fast‑Track Categories: Online & selected retail spend
• Point Boost: 10× points on every $5 spent
• Cap: First $12,000 of your yearly spend qualifies
• Expiry: Points lapse after 24 months

DBS Woman’s Card

• Fast‑Track Category: Online spend
• Point Boost: 5× points on every $5 spent
• Cap: First $1,000 of the month gets the bonus
• Expiry: 12‑month life span for points

Standard Chartered Rewards+ Card

• Fast‑Track Categories: Overseas retail, dining, and travel
• Point Boost: 10× points on every $1 spent abroad
• Cap: First $2,222 of your yearly overseas spend
• Expiry: 36 months to keep your points alive

HSBC Revolution Card

• Fast‑Track Categories: Online spend & contactless payments
• Point Boost: 10× on every $1 spent
• Cap: First $1,000 of your monthly spend is your lucky strip
• Expiry: Points persist for 37 months

UOB Preferred Platinum

• Fast‑Track Categories: Online shopping & contactless payments
• Point Boost: 10× points on every $5 spent
• Cap: First $1,000 of the month qualifies
• Expiry: 24 months before they fade away

UOB Lady’s Card

• Fast‑Track Categories: Fashion, beauty, dining, family, travel, transport or entertainment
• Point Boost: 10× points on every $5 spent
• Cap: First $1,000 of your monthly spend gets the boost
• Expiry: 24 months, just like the others

What we did was crunch the numbers: bonus spend categories, earning rates, spending caps, and point expirations. These cards are realistic choices for anyone with a standard income—no magic wizarding required.

So, take a breath, pick the card that clicks, and start stacking points today. Your wallet will thank you, and you’ll be ready for those sweet rewards—because why settle for average when you can go for unforgettable?

Citibank Rewards Card

Key features:

Score 10 × the Fun (and the Cash!) on Every Online Purchase

All you have to do is scroll, click, and shop. The Citi Rewards card turns your everyday online buys into a point‑flood—what’s that? A 10‑fold boost on almost anything that lands in your cart, except travel‑related transactions. Happy?

Why It’s Worth a Second Look (And the Whole Card)

When you pick up a rewards card, you should peek at the bank’s rewards catalogue—think of it as your treasure map. The list is pretty sweet: Apple gear, Amazon Points, and even the occasional “buy‑nothing” voucher that you never want to use. So you won’t have to trade points for a Popular Bookshop slip if that’s not your vibe.

Fast‑Track Your Points with Citi PayAll

• Citi Miles – trek the globe with a few clicks.
• Citi ThankYou Points – the gold’s always shiny when it’s not just for airlines.
• Cash Back – put a little extra in your wallet for rent, insurance, taxes, or that mid‑summer grilling showdown.

PayAll lets you earn points quicker than a coffee shop espresso shot when you tackle those “big‑ticket” bills. Turns out, paying for expensive stuff can be surprisingly rewarding.

The Sweet Spot & the Limits

With the Citi Rewards Card, you get 10× the rewards (or four miles per dollar) on:

• Online & in‑store shopping
• Grab/Gojek rides
• Food delivery
• Online groceries

But beware: the high‑speed 10× engine caps out after spending just $1,000 per month. Think of it like the throttle on a supercar—great for a quick burst, but you’ll need to keep it under the limit for the most efficient ride.

Points, Expiration, and Terms & Conditions… Oh My!

Every statement month, you can rack up a maximum of 10,000 points on the 10× tier. After that, points stop accruing—in short, they expire every five years if you leave them lying around. And, as always, terms & conditions apply. No one escapes that.

Bottom line? Grab that Citi card, enjoy the easy 10× reward “bump,” but remember to stay below the $1,000 cap. Keep your points fresh, make your bill payments smarter, and transform your regular shopping into a triumph of points and perks.

OCBC Titanium Card

Key features:

OCBC 10x Rewards Power Pack

Think of this card as a superhero cape for your wallet. Every time you pull out your wallet for clothes, sneakers, the latest gadgets, or even that fancy department store, you get a thunderclap of 10x OCBC$—that’s 10 points or 4 miles for each dollar spent.

• Clothes, shoes, and bags – Grab your wardrobe and watch the points pile up.
• Department stores & kids wear – From Takashimaya to Babies’ Boutique, the points flow.
• Electronics & online shopping – Think Apple, Amazon, Alibaba – you’re in the jackpot zone.
• Local and overseas spending – No matter where you’re shopping, the points keep rolling.

Bonus Perks

• Cathay Cineplexes – Movie tickets at a sweet $8.50 or $11 depending on the film.
• Fuel savings – Get up to 16% off at Caltex and Esso.
• JetQuay “Freebie” road trips – One free single trip or discounted multi-trip service.
• Lounges galore – Pay $27 (S$37.72) per personal visit and get exclusive access to over 800 lounges, no airline tie‑ups.
• First two years fee waiver – For principal & supplementary cards, the annual fee is a no‑cost earner.

OCBC Titanium – The “Points” Temptation

OCBC Titanium pays you back with 50 rewards points (or 4 miles) for every $5 spent on approved online & retail purchases. If you’re a budget wizard, you could earn as many as 120,000 points a year—equivalent to ~$120 k. Not too shabby!

• Cash rebate at Best Denki – 2% back for your tech haul.
• Shop smart – Max points only at merchants on the near‑perfect list. Check before you splurge!
• Popular stores that grace your point pot:
  • Department stores – Takashimaya, Tangs, Isetan.
  • Clothing brands – Zara, H&M, Uniqlo, Cotton On, Charles & Keith.
  • Electronics powerhouses – Apple, Best Denki, Harvey Norman.
  • Online marketplaces – Amazon & Alibaba.
• Extra: You’re stuck between air miles and cash. Pick your playground.

Final Word

Whether you’re a spree athlete or a savvy spender, these OCBC cards give your wallet a power‑boost while winning you a few laughs and points. Just remember to keep an eye on the merchant lists and you’ll have your rewards on fast‑track!

DBSWoman’s Card

Key features:

Why the DBS Woman’s Card is a Goldmine for Your Online Shopping

Picture this: you’re scrolling through Fayth, Her Velvet Vase, or Senreve and suddenly you earn 5× points for every $5 spent. That’s the magic happening when you use the DBS Woman’s Card for any online purchase.

It’s Not Just Shopping

• Staying in? Get discounted staycation packages with Agoda and Klook.
• Beauty Buff? Grab exclusive deals from Laneige, Skin Inc, and more.
• Ride public transport? Simply activate SimplyGo and let the card pay your EZ-Link fares – no auto‑top‑up drama.
• Redeem those points for Apple gadgets, NTUC or Takashimaya vouchers, Golden Village movie tickets, and a whole lot more.

How the Points Work

DBS points roll in blocks of $5. The 5× bonus only sticks onto the first $1,000 you spend online each month. That means you can kick off your spree and stash those bonuses!

What if You Earn $80,000/yr?

Think you’re on the high‑end? Skip the Woman’s Card and try the DBS Woman’s World Card instead. It’s a pedal‑on‑the‑fastest‑lane version:

• 10× points (or 20 miles) for online purchases
• 3× points (or 6 miles) on overseas spends
• 1× points (or 2 miles) on everything else
• And a double spend cap compared to the regular card.

First $2,000 Online Gets the Bonus!

When you hit that target, you’ll rack up a bonus haul of extra points in a calendar month. And when they say “online spending,” that includes everything from online grocery delivery to GrabPay credits – basically your digital wallet.

Even if You’re In The Scrappy Class

No worries – if you’re in a modest income bracket, the Woman’s Card is still a treasure chest for online shopping. The points excel when you’re buying household items; redeem them for NTUC vouchers whenever a grocery run needs a friendly boost.

Points Expiry – The Fastest in the Game

Heads up: these points expire in just one year, faster than most other credit cards’ rewards. Keep it tight and use it wisely.

Bottom line: If “online” is the new frontier of your consumer adventures, the DBS Woman’s Card is your backstage pass to earn, grow, and spend those points like a pro. Check your eligibility, grab the card, and watch your online purchases pay you back!

Standard Chartered Rewards+ Card

Key features:

Rewards + Card: Your Backpacker’s Best Friend

Finally, the globe is opening up again, and you’ll need a card that pays off every time you toss a credit into a foreign currency machine. The Standard Chartered Rewards + Card is just that. Think of it as the “sponsored by your passport” perk.

What’s in the Treasure Chest?

• 10 × rewards points (≈ 2.9 miles) per dollar spent overseas – whether you’re buying souvenirs, dining abroad, or booking flights.
• 5 × rewards points (≈ 1.45 miles) per dollar when you eat locally in Singapore.
• 1 × reward point on every other purchase – your everyday grocery can still earn you a little love.
• No annual fee for two whole years, and no minimum spend required. Grab the card, and you’re off the hook.

When You’re Aiming For Jet‑Away (and A LOT OF SPACES)

If you’re dialing up your holiday diaries, bragging about your passport badge, bring this card along. The 10× reward on overseas spend is prime when you’re jetting‑off to any corner of the world.

What About the Food‑-Addict Within?

Not a globe‑trotter? No worries – the 5× rewards points on local dining are still gold. Ever dreamed of a Singaporean breakfast that tastes like a five‑star luxury? Now you can earn 1.45 miles each dollar you spend on that teppanyaki or a hearty bowl of kaya toast.

Beware the 20 k Cap

The card does have a cap of 20,000 points earned annually. It’s a reasonable ceiling, but if you’re packing a big-ticket budget into a single trip, you’d want your maximum earning potential to stretch. A card that waives the cap until the end of the year is smarter for such scenarios.

For example, buying a $3,000 sofa online lets the Rewards + Card reward you across the entire $3,000. A card that caps at $1,000 will only grant points up to that limit.

What’s In-The-Card–Values That Matter

Standard Chartered’s catalog isn’t as juicy as some rivals (Citibank’s expands quite a bit), but it packs enough goodie bags to keep things fun:

• Restaurant vouchers for those home‑cooked meals you’re missing when you’re overseas.
• Shopping‑mall credits that let you splurge a bit.
• Staycation vouchers – because sometimes the best vacation is right in your neck of the woods.

Having the right card means you can budget wisely while turning every purchase into an extra ticket to your next adventure.

HSBC Revolution Card

Key features:

Grab the HSBC Revolution Card: Upgrade Your Wallet, Not Your Routine

Think of the HSBC Revolution Card as the sidekick that’s always ready to give you a boost—no yearly fee, easy cash‑back, and a splash of excitement with the Sure‑Win Hong Bao game.

Cash‑Back & Game‑Day Fun

• Receive up to a $200 cashback—just for snacking on an online spree.
• Test your luck in the Sure‑Win Hong Bao game and snag cool prizes: OSIM massage chairs, Dyson fans, shopping vouchers, and more.
• Everything comes with T&C’s—no surprises, just clarity.

Rewards That Keep On Giving

Spend online (food delivery, flights, etc.) and you’ll earn stellar 10× reward points. That’s four air miles for every dollar you shelly.

• First $1,000 is capped at 9,000 points—easy win for newcomers.
• No ceiling on points from other spends—go wild with your cash‑back potential.

No Annual Fee, Just Savings

The card’s a no‑fee creature, perfect if you’d rather not track a yearly subscription. Swipe a few times a month—still cheaper than the alternatives.

Redeem Flexibility

Think of your points like a treasure chest open to:

• Home gadgets, dining delights, retail treats, or travel.
• Charity cash vouchers for the generous in us.
• Use the rewards catalogue or the HSBC mobile app and offset cash rebates on online transactions.

Travel Happens: Protect Your Adventure

Charge your travel with the card and enjoy up to $300,000 coverage—because you never know when you’ll need a safety net.

Why the Card Works for You

It’s like a Swiss army knife: 10× rewards, miles, a handy card game, cash‑back, and zero annual fee—all in one toolbox. Ideal for casual shoppers or those who occasionally swipe online.

So if you’re ready to taste the perks without the overhead, grab your HSBC Revolution Card and keep the wallet and the smile working in tandem.

UOB Preferred Platinum Card

Key features:

UOB Preferred Platinum: Turn Your Everyday Spends into a Reward Adventure

Picture this: every time you buy something online, stream a movie, or tap to pay on your phone, you’re sprinting toward a stash of points that can be swapped for spa days, tech gadgets, or fancy dining. That’s the buzz behind the UOB Preferred Platinum Card.

How the Points Magic Works

• Online shopping & entertainment – Earn 10 rewards points (20 miles) for every $5 spent.
• Mobile contactless payments – Snap your card, tap, boom! 10 points per $5.
• GrabPay credits don’t count – Sorry, no points for those sweet, instant deliveries.

Why It Still Matters

Once upon a time, UOB’s card was a top‑pleaser for online spenders. Nowadays, a lot of cards are nailing it, but the UOB program still has a few standout perks that keep it clutch for everyday use.

With over 400 outlets to redeem at, you can swap points for:

• Spa vouchers – Because your back deserves a hug.
• Dyson deals – Whichever tech lifestyle you enjoy.
• Dining vouchers for high‑end spots like Les Amis – Proof that you’ll score a gourmet adventure.

Cap of 2,000 Points Monthly

Heads up: you can only rake in the accelerated rate on up to $1,000 of spend each month, capping you at 2,000 points per cycle. That’s enough to get a nice snack or half a spa day, but you’ll need to be a savvy spender if you want to burn through all the rewards.

Is It a Solid Choice?

All things considered, if the UOB rewards catalogue hits your sweet spot, this card is a solid, everyday contender. Place it on your table and watch the points bleed from your tidy, budget‑friendly purchases.

UOB Lady’s Card

Key features:

Say Hello to the UOB Lady’s Card – Your New Shop‑Shop Sidekick

Picture this: you’re splashing out on that sleek new yoga mat, designer heels, or the breakfast you’ll serve at a tiny café‑for‑your‑soon‑to‑be‑baby. And every dollar you spend in seven lucky categories (fashion, dining, beauty & wellness, family, transport, entertainment, and travel) earns you 10× rewards points (or a splash of 20 miles) for every $5 you drop. No minimum spend, no hassle. Just pure, point‑oozing bliss.

How It Works — Simple, Snack‑Friendly, and Super Flexible

1. Pick a Category. Every quarter, log in and flip the category that fits your vibe. From “lingering in the beauty aisle” to “planned weekend getaway,” you can change it whenever the mood strikes.
2. Shop. Hit the checkout, and the reward magic takes place. A quick $5 purchase = a whopping 10 points or 20 miles.
3. Watch the Points Stack. No cap on how many times you redeem—just a max of $1,000 per month on which the extra points apply. Let that inner shopaholic flourish but stay within the limits.

Why It’s a Game‑Changer for Mom‑Boundry Shoppers

Got a baby on the way and planning a little baby‑boutique spree? Switch the card’s category to Family just before you tackle the baby clothes, strollers, and diaper bliss. As you buy each adorable little item, watch the rewards roll in like a parade of pink confetti.

And There’s More — Beyond the Points

• UOB Lady’s LuxePay offers a 6‑ or 12‑month installment plan—No interest, no processing fees.
• Free e‑Commerce Protection cover up to $200 on online purchases.
• Up to $200,000 high‑coverage for female cancers—peace of mind in your savings account.
• Enjoy a 3.68 % p.a. bonus interest with the UOB One Account.

Who’s the Card For?

It’s exclusively for women—yes, this is the card that’s your personal, unapologetic shopping sidekick, while the rest of the bank’s offerings remain universal. If you want a card that feels like it was made just for your style and agenda, look no further.

Bottom Line:⬇

Whether you’re eyeing a new sofa, planning a sunset cruise, or bundling essentials for the newest addition to your family, the UOB Lady’s Card gives you a whopping 10× points per $5 spent in the categories you choose. Add minus the extra perks, and it’s a win‑win for any busy woman on the go.