RANKINGS — VERIFIED & DATED

Static rankings for search and quick reference. For rankings tuned to your situation, use the savings calculator or the card calculator. Last verified 4 Sept 2026.

■ BEST SAVINGS ACCOUNTS BY MAX RATE

1 SC Bonus$aver Account

CAP S$100,000 (bonus interest on first S$100,000 eligible deposit balance) · SDIC

5.85% p.a.

2 BOC SmartSaver (on Multi-Currency Savings Account)

CAP S$100,000 (bonus interest on first S$100,000; extra savings bonus S$100,000-S$1,000,000) · SDIC

4.6% p.a.

3 OCBC 360 Account

CAP S$100,000 (bonus interest on first S$100,000) · SDIC

4.45% p.a.

4 DBS Multiplier Account

CAP S$100,000 (bonus interest; S$50,000 cap for 1-category tier) · SDIC

4.1% p.a.

5 POSB Multiplier Account

CAP S$100,000 (bonus interest; S$50,000 cap for 1-category tier) · SDIC

4.1% p.a.

■ BEST CASHBACK CARDS BY TOP CATEGORY RATE

1 GXS Credit Card

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

10%

2 UOB One Credit Card

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 OCBC 365 Credit Card

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)

4 Maybank Family & Friends Card

NO FEE

5 DBS Live Fresh Card

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

■ BEST MILES CARDS

1 UOB Lady's Card

up to 10 mpd (25X UNI$ per S$5) on preferred categories with Lady's Savings Account MAB S$100k+; 4 mpd without savings account; 1X UNI$ base on all spend · EXPIRY not disclosed (UNI$ conversion to KrisFlyer miles)

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2 UOB PRVI Miles Card

1.4 mpd local; 2.4 mpd overseas; 3 mpd MY/ID/TH/VN; up to 8 mpd via agoda/Expedia · EXPIRY not disclosed (UNI$ convertible to KrisFlyer and other FFP miles)

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3 OCBC Rewards Card (formerly Titanium Rewards)

4 mpd on selected retail categories; 6 mpd at Watsons/selected online platforms (promo); base 0.4 mpd (1 OCBC$ per S$5) · EXPIRY not disclosed (OCBC$ exchangeable for KrisFlyer, Flying Blue, BA Executive Club, Cathay, Etihad, United MileagePlus, ALL, IHG, Marriott Bonvoy)

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4 OCBC VOYAGE Card

1.3 mpd local; 2.2 mpd foreign currency; up to 2.3 mpd equivalent cash rebate · EXPIRY VOYAGE Miles never expire

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5 HSBC Revolution Credit Card

up to 4 mpd (10x points) on contactless/online; up to 8 mpd (20x) with EGA ADB S$50k+; base 0.4 mpd · EXPIRY not disclosed (HSBC Reward points; 25,000 points = 10,000 Asia Miles illustrative)

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Rankings are based on published terms at the verification date. Your effective rate depends on your situation — use the calculators for a personal ranking.