Top 10 Best Cash Back Credit Cards in Singapore 2026

With rising living costs in Singapore, cash back credit cards have become one of the smartest ways to earn real savings on everyday spending like groceries, petrol, dining, and online shopping. We’ve rounded up the top 10 best cash back credit cards in Singapore for 2026, comparing rebate rates, minimum spend requirements, and bonus categories to help you maximise every dollar you swipe.

1. OCBC 365 Credit Card

The OCBC 365 Credit Card is one of Singapore’s most versatile everyday cash back cards, offering tiered rebates across dining, groceries, fuel, transport, and recurring bills. With up to 6% cash back on dining and 3% on groceries and online shopping, it rewards cardholders across virtually all spending categories. Its broad eligibility and competitive rebate structure make it a top pick for Singaporeans seeking consistent everyday savings.

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

2. UOB One Card

The UOB One Card is a powerhouse cash rebate card in Singapore, offering up to 10% cash back when you meet monthly spend requirements across all categories. Its flat rebate structure is ideal for cardholders who want simplicity without tracking bonus categories. Pair it with a UOB One Account to unlock even greater savings, making it one of the most rewarding financial combos available locally.

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

3. DBS Live Fresh Student Card

Designed specifically for young adults, the DBS Live Fresh Student Card is one of Singapore’s best entry-level cash back cards for students and first-time cardholders. It offers up to 5% cash back on online spending and Visa contactless payments, perfectly aligned with how students in Singapore shop and commute. With a low minimum income requirement and no annual fee waiver hassle, it’s a smart financial starter card.

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

4. Citi Cash Back Card

The Citi Cash Back Card is a standout choice for Singaporeans who spend heavily on dining, groceries, and petrol. Offering up to 8% cash back on these key categories, it consistently ranks among the best cash back credit cards in Singapore for everyday essentials. The card also features a straightforward rebate structure and automatic crediting, making it effortless to accumulate meaningful savings each month.

• 🌐 Website: https://www.citibank.com.sg/credit-cards/cashback/citi-cashback-card/

5. Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card is tailored for Singaporeans who prefer cashless and digital-first spending habits. It offers impressive cash back rates on online and contactless transactions, making it ideal for modern shoppers who rarely use physical cash. With no minimum spend requirement on select categories and competitive rebate caps, it’s a smart, low-fuss addition to any wallet in 2026.

• 🌐 Website: https://www.sc.com/sg/credit-cards/smart-card/

6. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a compelling choice for Singapore drivers and families, offering up to 5% cash rebate on dining, groceries, and fuel. Cardholders can also enjoy up to 16% instant fuel discounts at Caltex and Shell stations island-wide. With generous rebate caps and a strong rewards structure across daily spend categories, it delivers real value for budget-conscious households.

• 🌐 Website: https://www.hsbc.com.sg

7. American Express True Cashback Card

The American Express True Cashback Card lives up to its name by offering a straightforward 1.5% unlimited cash back on all eligible purchases in Singapore and overseas — with no category restrictions or minimum spend. New cardholders enjoy an elevated 3% welcome bonus on the first S$5,000 spent within the first six months. It’s the perfect no-fuss card for those who value simplicity and consistent everyday rewards.

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

8. Maybank Family & Friends Card

The Maybank Family & Friends Card is built for Singapore households that want maximum cash back across family-oriented spending categories. It offers up to 8% cash rebate on groceries, dining, transport, and online shopping when minimum monthly spend is met. With one of the highest rebate rates available among family-focused cards, it’s a strong contender for multi-spend households looking to stretch their dollar further.

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

9. BOC Family Card

The BOC Family Card from Bank of China Singapore is a practical cash back card designed to reward everyday family expenditure. It offers competitive rebates on groceries, dining, and transport, making it a well-rounded option for households managing regular monthly expenses. With accessible eligibility criteria and a focus on essential spend categories, it provides meaningful savings for value-driven Singaporean families.

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

10. CIMB Visa Signature Card

The CIMB Visa Signature Card stands out as one of Singapore’s best no-annual-fee cash back cards, offering up to 10% cashback on categories like groceries, beauty, and online shopping. Cardholders also gain access to over 1,000 regional deals and discounts, adding exceptional value beyond local spending. With a limited-time promotion offering bonus cash back within the first 60 days, it’s an outstanding pick for savvy Singaporeans in 2026.

• 📞 Phone: +65 6333 6666
• 🕐 Opening Hours: mond Boutique RM50 # off with min spend of RM500 on diam
• 🌐 Website: https://www.cimb.com.sg

Whether you’re a savvy shopper or a frequent diner, there’s a cash back credit card on this list that fits your lifestyle — compare your options and apply today to start putting money back in your pocket.