SGT://BANK [F1] HELP [E] EDIT [D] DATA [I] INSPECT

MALAYSIA AS-OF 2026-09-04 VERIFIED

SGDBS 2ACC 4.1% p.a. SGOCBC 3ACC 4.45% p.a. SGUOB 3ACC 2.5% p.a. SGMAYBANK 1ACC 4% p.a. SGSTANDARDCHARTERED 2ACC 5.85% p.a. SGCITI 1ACC 4% p.a. SGHSBC 2ACC 1.8% p.a. SGTRUST 1ACC 2.4% p.a. SGGXS 1ACC 1.6% p.a. SGMARIBANK 1ACC 3.08% p.a. SGBOC 1ACC 4.6% p.a. SGRHB 1ACC — SGCIMB 1ACC 0.9% p.a. SGPOSB 1ACC 4.1% p.a. SGCHOCOLATEFINANCE 1ACC 2% p.a. SGSYFECASHFLEXI 1ACC 3% p.a. SGENDOWUSCASHSMART 1ACC 1.2% p.a. SGSTASHAWAYSIMPLE 1ACC 1.5% p.a. SGSINGLIFE 1ACC 1.5% p.a. SGGIGANTIQ 1ACC 1% p.a. SGAMEX 0ACC — SGDBS 2ACC 4.1% p.a. SGOCBC 3ACC 4.45% p.a. SGUOB 3ACC 2.5% p.a. SGMAYBANK 1ACC 4% p.a. SGSTANDARDCHARTERED 2ACC 5.85% p.a. SGCITI 1ACC 4% p.a. SGHSBC 2ACC 1.8% p.a. SGTRUST 1ACC 2.4% p.a. SGGXS 1ACC 1.6% p.a. SGMARIBANK 1ACC 3.08% p.a. SGBOC 1ACC 4.6% p.a. SGRHB 1ACC — SGCIMB 1ACC 0.9% p.a. SGPOSB 1ACC 4.1% p.a. SGCHOCOLATEFINANCE 1ACC 2% p.a. SGSYFECASHFLEXI 1ACC 3% p.a. SGENDOWUSCASHSMART 1ACC 1.2% p.a. SGSTASHAWAYSIMPLE 1ACC 1.5% p.a. SGSINGLIFE 1ACC 1.5% p.a. SGGIGANTIQ 1ACC 1% p.a. SGAMEX 0ACC —

bank.subimpact.net SINGAPORE

CREDIT CARDS — 24 VERIFIED

Cashback or miles? Single card or combo? Use the calculator to rank cards by net annual rewards. Last verified 4 Sept 2026.

■ CARD CALCULATOR — NET ANNUAL REWARDS

TOTAL MONTHLY CARD SPEND (S$)

MONTHLY SPEND BY CATEGORY (S$)

Dining Groceries Petrol Online Travel Other

RANKED BY NET ANNUAL REWARDS

Set your spend on the left and press RANK CARDS. The engine applies each card's category rates and caps, adds a 0.3% baseline on uncategorized spend, and nets the annual fee.

Rewards are estimates based on published terms. Always verify with the bank before applying.

1 UOB One Credit Card United Overseas Bank (UOB)

CASHBACK · FEE S$196.20 (incl. GST) · INCOME S$30,000/year (SG/PR aged 55 and below); S$15,000/year (56+); S$40,000/year (foreigners); or S$10,000 fixed deposit collateral

2 UOB Lady's Card United Overseas Bank (UOB)

MILES · FEE S$196.20 (incl. GST) · INCOME S$30,000/year (SG/PR aged 55 and below); S$15,000/year (56+); S$40,000/year (foreigners); or S$10,000 fixed deposit collateral

3 UOB PRVI Miles Card United Overseas Bank (UOB)

MILES · FEE S$256.80 (incl. GST) · INCOME S$80,000/year (citizens and foreigners); or S$50,000 fixed deposit collateral

4 OCBC 365 Credit Card OCBC Bank

CASHBACK · NO FEE · INCOME S$30,000/year (SG/PR aged 21-55); S$15,000/year (SG/PR above 55); S$45,000/year (foreigners)

5 OCBC Rewards Card (formerly Titanium Rewards) OCBC Bank

MILES · FEE S$196.20 (incl. GST) · INCOME S$30,000/year (SG/PR aged 21-55); S$15,000/year (SG/PR above 55); S$45,000/year (foreigners)

6 OCBC VOYAGE Card OCBC Bank

MILES · FEE S$498.00 (incl. GST) Annual Service Fee · INCOME S$120,000/year

7 HSBC Revolution Credit Card HSBC Bank (Singapore)

MILES · FEE Waived (annual fee waived) · INCOME S$30,000/year (SG/PR salaried with TRB >= S$50,000); S$40,000/year (SG/PR self-employed with TRB >= S$50,000); S$65,000/year (all others incl. foreigners)

8 HSBC TravelOne Credit Card HSBC Bank (Singapore)

MILES · FEE S$196.20 (incl. GST) · INCOME S$30,000/year (SG/PR salaried with TRB >= S$50,000); S$40,000/year (SG/PR self-employed with TRB >= S$50,000); S$65,000/year (all others incl. foreigners)

9 Maybank Family & Friends Card Maybank Singapore

CASHBACK · NO FEE

10 DBS Live Fresh Card DBS Bank

CASHBACK · FEE S$196.20 (incl. GST) · INCOME S$30,000/year (locals/PR, per third-party; official eligibility section not captured)

11 DBS Altitude Visa Signature Card DBS Bank

MILES · FEE S$196.20 (incl. GST)

12 DBS Woman's World Mastercard Card DBS Bank

MILES · FEE S$196.20 (incl. GST) · INCOME S$80,000/year (per third-party; official eligibility section not captured)

13 Citi Cash Back+ Card Citibank Singapore (Citi)

CASHBACK · FEE S$196.20 (incl. GST)

14 Citi Rewards Card Citibank Singapore (Citi)

MILES · FEE S$196.20 (incl. 9% GST) · INCOME S$30,000/year (local/PR); S$42,000/year (foreigner)

15 Citi PremierMiles Card Citibank Singapore (Citi)

MILES · FEE S$196.20 (incl. 9% GST) · INCOME S$30,000/year (SG/PR); S$42,000/year (foreigner)

16 American Express True Cashback Card Amex

CASHBACK · FEE S$174.40 (incl. 9% GST)

17 American Express Singapore Airlines KrisFlyer Credit Card Amex

MILES · FEE S$179.85 (incl. of 9% GST) · INCOME not disclosed (subject to regulatory minimum income requirement)

18 CIMB Visa Signature Credit Card CIMB Bank (Singapore)

CASHBACK · FEE Free for life (no annual fees) · INCOME S$30,000/year (Singaporean/SG PR/Malaysian); S$10,000 fixed deposit collateral alternative; principal applicant 21-70 years old

19 BOC NVMO Card (formerly BOC Family Card) Bank of China (Singapore)

CASHBACK · FEE not disclosed (first year annual fee waived for principal and supplementary) · INCOME S$30,000/year (principal, age 21+); S$60,000/year for foreigners; supplementary age 18+

20 SC Simply Cash Credit Card (formerly Unlimited Cashback Card) Standard Chartered Bank (Singapore)

CASHBACK · FEE S$196.20 (including 9% GST)

21 SC Journey Credit Card Standard Chartered Bank (Singapore)

MILES · FEE S$196.20 (including 9% GST)

22 Trust Freedom Credit Card (Cashback mode; formerly Trust Cashback Card) Trust Bank Savings Account

CASHBACK · FEE S$0 (no annual fee) · INCOME S$30,000/year (SG citizen/PR aged 21-55); S$15,000/year (SG citizen/PR above 55); S$60,000/year (foreigners with valid work pass)

23 GXS Credit Card GXS Bank Savings Account

CASHBACK · FEE S$196.20 (incl. 9% GST) · INCOME S$30,000/year (Singaporean/PR); S$120,000/year for foreigners

24 GXS FlexiCard GXS Bank Savings Account

CASHBACK · FEE S$54.50 (incl. GST) · INCOME No minimum income required

Rewards are estimates based on published terms. Always verify with the bank before applying.