Top 10 Best Cashback Credit Cards in Singapore 2026

With rising living costs in Singapore, cashback credit cards have become one of the smartest ways to earn money back on everyday spending like groceries, dining, and online shopping. In 2026, banks and fintech players are competing fiercely to offer the most rewarding cashback rates, making it the perfect time to review and upgrade your wallet.

1. DBS Live Fresh Card

The DBS Live Fresh Card is a top pick among Singapore’s best cashback credit cards in 2026, offering up to 5% cashback on online spending and Visa contactless payments. Ideal for digitally savvy consumers, it rewards everyday digital transactions with consistent returns. With no fuss and a straightforward rewards structure, it’s a go-to card for millennials and tech-forward spenders in Singapore.

• 📞 Phone: 96800306
• 🌐 Website: https://www.dbs.com.sg

2. OCBC 365 Credit Card

The OCBC 365 Credit Card is a perennial favourite for Singaporeans seeking well-rounded cashback across multiple spending categories. Earn up to 6% cashback on dining, 3% on groceries, petrol, and land transport, and 0.3% on all other retail spend. Its broad category coverage makes it an excellent all-in-one solution for households looking to maximise savings on daily essentials.

• 📞 Phone: 93200032
• 🌐 Website: https://www.ocbc.com

3. UOB One Card

The UOB One Card stands out in Singapore’s competitive cashback landscape by rewarding consistent monthly spending with up to 10% cashback on select merchants including Grab, Shopee, and Cold Storage. Its tiered cashback structure encourages regular usage, making it one of the highest-earning cashback cards available in 2026. Cardholders who meet the monthly spend requirement enjoy some of the best flat-rate returns in the market.

• 🌐 Website: https://www.uob.com.sg/personal/cards/credit/uob-one-card.page

4. Citi Cash Back+ Card

The Citi Cash Back+ Card offers Singaporeans a straightforward and generous 1.6% unlimited cashback on all eligible spend, with no minimum spend requirement and no cashback cap. This makes it an exceptional everyday card for those who prefer simplicity over complicated tiered structures. Whether you’re dining out, shopping online, or paying bills, every dollar spent puts money back in your pocket.

• 🌐 Website: https://www.citibank.com.sg/credit-cards/cash-back-plus-card/

5. Standard Chartered Simply Cash Credit Card

The Standard Chartered Simply Cash Credit Card lives up to its name by delivering a flat 1.5% cashback on all eligible purchases with absolutely no cashback cap and no minimum spend required. This no-frills approach makes it one of the most hassle-free cashback cards in Singapore for 2026. It’s the perfect companion for spenders who want consistent, predictable rewards without tracking spending categories.

• 📍 Address: 2 Shenton Way #20-02 SGX Centre 1 Singapore 068804
• 📞 Phone: +65 6747 7000
• 🕐 Opening Hours: months’ CPF Transaction History Statement OR To be considered for a higher loan am
• 🌐 Website: https://www.sc.com

6. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a compelling choice for Singapore families who regularly spend on dining, groceries, and fuel. Earn up to 5% cash rebate across these key categories, plus enjoy up to 16% instant discounts at Caltex and Shell petrol stations. With its strong focus on everyday household expenditure, this card delivers meaningful savings for regular family spending patterns.

• 🌐 Website: https://www.hsbc.com.sg

7. Maybank Family & Friends Card

The Maybank Family & Friends Card is tailor-made for Singapore households, offering an impressive 8% cashback on five selected spending categories including groceries, dining, transport, and more. Cardholders can customise their cashback categories to match their lifestyle, making it one of the most flexible cashback cards of 2026. It’s an outstanding choice for families wanting to maximise rewards on their most frequent expenses.

• 🌐 Website: https://www.maybank2u.com.sg/en/personal/cards/credit-cards/family-friends-card.page

8. American Express True Cashback Card

The American Express True Cashback Card is one of the most straightforward offerings in Singapore’s credit card market, providing a flat 1.5% cashback on all eligible purchases with no minimum spend and no cashback cap. New cardholders enjoy an elevated 3% cashback for the first six months, making the welcome bonus especially attractive. Its universal acceptance and simplicity make it a reliable everyday cashback card.

• 🌐 Website: https://www.americanexpress.com/en-sg/credit-cards/true-cashback-card/

9. POSB Everyday Card

The POSB Everyday Card is a trusted household name in Singapore, delivering up to 10% cash rebates across popular everyday categories including dining, groceries, shopping, and travel. Backed by DBS Group, it integrates seamlessly with POSB banking services for a streamlined financial experience. With its broad category rewards and strong local merchant partnerships, it remains one of the best cashback credit cards for Singaporean families in 2026.

• 📞 Phone: 96800306
• 🕐 Opening Hours: Daily$ 1 Net am
• 🌐 Website: https://www.posb.com.sg

10. BOC Family Card

The BOC Family Card from Bank of China Singapore is a hidden gem in the local cashback credit card scene, offering up to 8% cashback on weekend dining and grocery spending. Designed to benefit family-oriented spenders, it provides solid returns on everyday household categories that matter most. For Singaporeans seeking a competitive cashback card with a focus on family lifestyle spending, the BOC Family Card delivers excellent value.

• 📞 Phone: 66085566
• 🌐 Website: https://www.bankofchina.com

Compare these top cashback credit cards and choose the one that best fits your spending habits — the right card could put hundreds of dollars back in your pocket every year.