The evolution of online shopping is accompanied by cashback and credit cards offering miles, and other exclusive benefits. Here is a guide to help you pick the best card for saving and enjoying a better online shopping experience.
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| CREDIT CARDS | ONLINE SHOPPING BENEFITS | MINIMUM SPEND | ANNUAL FEE |
|---|---|---|---|
| UOB One Card | Up to 10% cash rebate on eligible merchants online | S$500, S$1,000, or S$2,000 per month per 3 consecutive months | S$196.20 (First year waived) |
| Citi Cash Back+ Card | 1.6% unlimited cashback on almost all spend, with no min. spend or cashback cap | N/A | S$196.20 (First year waived) |
| SCB Simply Cash Credit Card | 1.5% unlimited cashback on almost all spend, with no min. spend or cashback cap | N/A | S$196.20 (First year waived) |
| Citi Rewards Card | 10X Citi ThankYou Points / 4 miles per S$1 spend on eligible online transactions | N/A | S$196.20 (First year waived) |
| HSBC Live+ Card | Up to 8% cashback on shopping | S$800 per month | S$196.20 (First year waived) |
UOB One Card
Cashback Tiers: Earn up to 10 % cashback at outlets like McDonald, DFI stores, Grab, Shopee, and Shell, based on monthly spending of S$500, S$1,000, or S$2,000 over at least five transactions per month for three straight months. Cashback earned per quarter ranges from S$50 to S$200. New cardholders can enjoy up to 20 % cashback on select merchants and transport until 31 December 2024.
Online Shopping Advantage: Shop online at eligible merchants, spend at least S$500 monthly, and receive consistent 10 % rewards.
Citi Cash Back+ Card
Welcome Bonus: Choose between an iPad or S$450 cash equivalent when you spend S$500 within 30 days. A 5 GB Eskimo Global eSIM (worth US$25) is included, and you can earn an extra S$50 cash by spending monthly for three months.
Offer ends 30 June 2025.
Everyday Benefits: Get unlimited 1.6 % cashback on almost all spending, with no minimum spend or cap. This makes it a great choice for everyday online purchases, thanks to its broad eligibility and easy rewards structure.
Standard Chartered Simply Cash Credit Card
Welcome Offer: New users can earn up to 2 % cashback when they spend S$500 or more within 30 days of approval.
Everyday Rewards: Get 1.5 % unlimited cashback on all purchases, no minimum or cap.
Promotion valid until 30 June 2025.
Extra Benefits: Join the SCB Pinball Sure Win promotion with prize options like a Paris getaway, Samsonite luggage, and vouchers worth over S$12,000. T&Cs apply.
Citi Rewards Card
Points Rewards: Earn 10X Citi ThankYou points (equivalent to 4 miles per dollar) on online spends like groceries, food delivery, and shopping. All other purchases qualify for 1X point per dollar.
Bonus Offer: Also eligible for a welcome package with S$400 cash or 6,140 SmartPoints plus a 5 GB Eskimo eSIM if you spend S$500 within 30 days. Spend monthly for three months to unlock an extra S$50 cash. Valid until 30 June 2025.
Flexibility: Points can be redeemed for cash rebates via the Citi mobile app.
HSBC Live+ Card
Welcome Perk: Earn S$390 cash or 5,740 SmartPoints after spending S$500 within the first two months.
Cashback Rates: 8 % on dining, shopping, and entertainment; 5 % at Caltex and Shell; and 0.3 % on all other spends, provided you meet a S$600 monthly spend for the quarter. Cashback promo valid until 31 Dec 2024.
Offer valid until 30 June 2025.
Why Online Shopping SG Credit Cards Matter
Cashback, Miles, or Rewards: Earn while you spend, thanks to bonus plans that include rebates, frequent flyer miles, or redeemable points.
Special Discounts: Many banks offer exclusive deals with online retailers, giving you deeper savings on just the right platforms.
Easy Tracking: Monthly statements help you monitor online purchases and manage your budget better.
Global Reach: Accepted on international e‑commerce sites; just ensure you avoid dynamic currency conversion fees.
Secure Transactions: Benefit from zero-liability policies that protect you against unauthorized purchases.
How to Choose the Right Credit Card in Singapore
Bonus Categories: Identify where you spend the most fashion, electronics, groceries, and pick a card offering boosted returns in those categories.
Rebate Type: Decide between cash back, travel miles, or reward points, based on your goals.
Spending Thresholds: Some cards require a minimum monthly spend (typically S$500–2,000) to unlock higher cashback rates.
Annual Fees: Most cards in Singapore have a S$196.20 annual fee (including GST). Many waive the fee in the first year.
Foreign-Spending Fees: Standard FX rates range from 3.25–3.5%. Avoid mark-ups from DCC by always paying in the original currency.
Maximizing Singapore Credit Card Benefits for Online Shopping
Meet Sign-Up Spend Bonuses: Use your welcome period to reach required spends and unlock the bonus.
Shop Within Bonus Categories: Make purchases at partner merchants to earn higher rewards.
Watch for Seasonal Deals: Sales events like 11.11 and Black Friday often come with extra cardholder incentives.
With the right card, every online purchase can become part of your rewards strategy. Match the card to your spending habits and enjoy better value on every checkout.
FAQS About Online Shopping Credit Card Singapore
Can I shop online without a card?
Yes, many platforms support bank transfers.
Does a virtual card earn cashback?
Absolutely. Just enter your virtual card details at checkout.
How do I apply for a credit card in Singapore?
Compare options on SnatchSavings, apply with SingPass or via documents, and activate your virtual card right away.
How does UOB One cashback work?
Spend S$500–2,000 monthly across at least five transactions, and you will earn up to S$200 cash per quarter.
Which card is best for overseas e-commerce?
The UOB Preferred Platinum Visa, Citi Rewards, and certain DBS/UOB cards are known for low FX fees and strong travel perks.
