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OCBC 365 Credit Card

• Annual Fee $194.40 S$194.40 (GST included), waived with conditions
• Rewards Up to 6.0% 6% dining, 3% groceries, 3% online, 0.3% on all other
• Card Type cashback
• Network Visa

This card rewards frequent diners and grocery shoppers effectively, but its high annual fee may deter some users.

DBS Altitude Visa Signature Card

• Annual Fee $192.60 First year waived
• Rewards Up to 3.0% 3 miles/$1 online, 2 miles/$1 overseas, 1.2 miles/$1 local
• Network Visa

Ideal for frequent travellers, this card offers solid mileage rewards but comes with a steep APR for balances.

Citi PremierMiles Card

• Annual Fee $196.20 First year waived
• Rewards Up to 2.2% 1.2 miles per S$1 locally, 2.2 miles per S$1 overseas. Up to 7 miles per S$1 on Agoda travel bookings. Miles never expire.
• Sign-Up Bonus $25k 25,000 Max Miles by HeyMax (worth S$600+) via SingSaver
• Card Type travel
• Network Mastercard

The Citi PremierMiles Card offers excellent travel rewards, especially for frequent flyers. However, it's not ideal for those who spend primarily on local purchases.

HSBC Revolution Credit Card

• Annual Fee $0 Annual fee waived
• Rewards Up to 4.0% Up to 10x Reward points (4 miles per dollar) on contactless and online spending locally and abroad. 1x base points on all other transactions. Up to 20x (8 miles/dollar) with S$50K deposits in HSBC Everyday Global Account.
• Sign-Up Bonus $180k Up to 180,000 Reward points for new-to-HSBC customers who apply with an Everyday Global Account
• Card Type travel
• Network Visa

The HSBC Revolution Credit Card offers excellent rewards for contactless and online spending, making it suitable for frequent shoppers. However, those who primarily spend in-store may find the rewards less appealing.

Citi Cash Back Card

• Annual Fee $196.20 First year waived
• Rewards Up to 8.0% 0.2% base cashback on all retail purchases, plus 7.8% additional cashback on private commute and petrol and 5.8% additional cashback on dining and groceries when statement-month spend reaches S$800, capped at S$80 total cashback per month.
• Sign-Up Bonus $300 Public welcome offer of S$300 cash back for new Citi cardmembers with qualifying spend in the first 2 months.
• Card Type cashback
• Network Visa

The Citi Cash Back Card is a strong contender for those who spend heavily on petrol, dining, and groceries, especially with its high cashback rates.

DBS Live Fresh Card

• Annual Fee $196.20 First year annual fee waiver
• Rewards Up to 6.0% Up to 6% cashback on shopping and daily rides after S$800 monthly spend, plus 0.3% unlimited base cashback and 3.25% cashback to offset FX fees on selected in-store overseas spend in Asia, with category caps shown on the issuer page.
• Sign-Up Bonus $288 Public issuer offer includes S$288 cashback for new-to-bank applicants, with an alternative Samsonite luggage gift.
• Card Type cashback
• Network Visa

The DBS Live Fresh Card offers attractive cashback rates for everyday spending, but high annual fees may deter some users.