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OCBC 365 Credit Card

• Annual Fee $194.40
• Rewards Up to 6.0%
• 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
• Rewards Up to 2.2%
• Type travel
• 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
• Rewards Up to 2.2%
• Bonus $25k
• 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
• Rewards Up to 4.0%
• Bonus $180k
• 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.

UOB One Card

• Annual Fee $196.20
• Rewards Up to 10.0%
• Type cashback
• Network Visa

This card is great for those who frequently spend on daily essentials, particularly food and transport. However, the requirement of a minimum S$600 monthly spend across 10 transactions may not suit everyone.

Citi Cash Back Card

• Annual Fee $196.20
• Rewards Up to 8.0%
• Bonus $300
• 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.