Best Credit Cards in Singapore — October 2026 (Every Category)
The best credit cards in Singapore for October 2026: top picks for cashback, online shopping, dining, fuel, travel, lounge access and more, ranked by net annual value after fees and caps.
HSBC Revolution leads on a typical profile at about $990 a year
The best credit card in Singapore for October 2026 depends on what you spend on, but on our standard monthly profile the highest net value comes from HSBC Revolution, at about $990 a year after fees and caps. Below, we rank the top cards in each category, using the same reward engine that powers every card page, and we show the assumptions so you can check them against your own spending.
Best credit cards in Singapore by category (October 2026)
| Our pick | Best for | Est. net / year | Annual fee |
|---|---|---|---|
| HSBC Revolution | Everyday spending | ~$990 | None |
| HSBC Revolution | Online shopping | ~$1,400 | None |
| HSBC Revolution | Dining and food delivery | ~$1,600 | None |
| Maybank Family & Friends Card | Groceries and supermarkets | ~$1,000 | $196.20/yr |
| Maybank Family & Friends Card | Fuel | ~$1,200 | $196.20/yr |
| DBS Altitude Visa | Travel and miles | ~$500 | $196.20/yr |
| DBS Altitude Visa | Airport lounge access | ~$660 | $196.20/yr |
Estimates after annual fee and reward caps, on the profile described below. Your own number will differ.
How we picked these cards
Each ranking is a net annual value: the rewards a card pays on the monthly profile below, minus its annual fee and foreign-currency costs, after applying the monthly caps and the exclusions in its terms. Sign-up bonuses and travel insurance are left out, so a one-off bonus cannot outrank a card that pays every year. We assume a typical earner in Singapore, around $48,000/yr, and leave out cards that need much more. Brand-linked cards (for example a fuel or e-commerce co-brand) are valued with an assumed share of spend at their partner, which is flagged in the "watch out for" column. All amounts are in Singapore dollars. Card details in this edition were last verified between June 2026.
| Category | Per month |
|---|---|
| Groceries | $500 |
| Dining and food delivery | $300 |
| Fuel | $200 |
| Online shopping | $500 |
| Travel | $300 |
| Bills and utilities | $200 |
| International spend | $100 |
| Everything else | $300 |
| Total per month | $2,400 |
Category lists re-weight this profile so the category being ranked is a large share of spend, as described in each section.
Best credit card for everyday spending in Singapore
If you want one card for most of your spending in Singapore, rank on what it earns across groceries, dining, online, bills and everything else, after fees and caps. This is the most "typical wallet" view, and it is where flat-rate and broad-bonus cards do best.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| HSBC Revolution | ~$990 | None | $30,000/yr | Cap: S$100/mo. |
| UOB One Card | ~$800 | $196.20/yr | $30,000/yr | Cap: S$100/mo per category. |
| Maybank Family & Friends Card | ~$770 | $196.20/yr | $30,000/yr | Cap: S$80/mo. |
For everyday spending, HSBC Revolution leads at about $990 a year, with UOB One Card next at $800 and Maybank Family & Friends Card at $770. The three finish within 22% of each other, so treat this as a shortlist and let your caps and merchants decide. Check the monthly cap on the bonus rate and whether the card needs a minimum monthly spend before it pays out.
Everyday picks on CardHungry
HSBC Revolution Credit Card
HSBC
Net / yr
$988
Fee
Free
Top
10%
- ✓Best net value on this list — about $988/yr in your pocket after fees on typical spends.
- ✓Best for dining/online — 10%, up to S$100/mo.
UOB One Card
UOB
Net / yr
$797
Fee
$196
Top
Up to 10%
- ✓Strong runner-up at $797/yr net — roughly $191 behind #1 on the same spend mix.
- ✓Best for partner spends — Up to 10%, up to S$100/mo per category.
Maybank Family & Friends Card
Maybank
Net / yr
$770
Fee
$196
Top
8%
- ✓Worth a look — $770/yr net among the eligible cards on this list.
- ✓Best for groceries/dining/transport — 8%, up to S$80/mo.
UOB One Card
UOB
Net / yr
$797
Fee
$196
Top
Up to 10%
- ✓Strong runner-up at $797/yr net — roughly $191 behind #1 on the same spend mix.
- ✓Best for partner spends — Up to 10%, up to S$100/mo per category.
HSBC Revolution Credit Card
HSBC
Net / yr
$988
Fee
Free
Top
10%
- ✓Best net value on this list — about $988/yr in your pocket after fees on typical spends.
- ✓Best for dining/online — 10%, up to S$100/mo.
Maybank Family & Friends Card
Maybank
Net / yr
$770
Fee
$196
Top
8%
- ✓Worth a look — $770/yr net among the eligible cards on this list.
- ✓Best for groceries/dining/transport — 8%, up to S$80/mo.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1HSBC Revolution Credit Card$988#1HSBC Revolution Credit Card$988
- #2UOB One Card$797#2UOB One Card$797
- #3Maybank Family & Friends Card$770#3Maybank Family & Friends Card$770
Estimated net value on a shared spend profile — not marketing headline rates.
Best credit card for online shopping in Singapore
Online-shopping cards in Singapore look similar on the headline and diverge on the details: which merchants count, whether the rate covers every e-commerce site or only named partners, and where the monthly cap bites. We weighted this profile so online shopping is about 40% of spend.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| HSBC Revolution | ~$1,400 | None | $30,000/yr | Cap: S$100/mo. |
| UOB One Card | ~$1,300 | $196.20/yr | $30,000/yr | Cap: S$100/mo per category. |
| DBS Altitude Visa | ~$650 | $196.20/yr | $30,000/yr | Cap: S$500/mo. |
HSBC Revolution keeps the most on this profile, roughly $1,400 a year; UOB One Card comes in at $1,300, DBS Altitude Visa at $650. The 55% lead is wide enough that you would need a very different spending mix to flip it. Confirm that the sites you actually use are covered. Wallet top-ups, gift cards and EMI conversions are usually excluded.
Online shopping picks on CardHungry
HSBC Revolution Credit Card
HSBC
Net / yr
$988
Fee
Free
Top
10%
- ✓Best net value on this list — about $988/yr in your pocket after fees on typical spends.
- ✓Best for dining/online — 10%, up to S$100/mo.
UOB One Card
UOB
Net / yr
$797
Fee
$196
Top
Up to 10%
- ✓Strong runner-up at $797/yr net — roughly $191 behind #1 on the same spend mix.
- ✓Best for partner spends — Up to 10%, up to S$100/mo per category.
DBS Altitude Visa
DBS
Net / yr
$600
Fee
$196
Top
3 miles/S$1
- ✓Worth a look — $600/yr net among the eligible cards on this list.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
UOB One Card
UOB
Net / yr
$797
Fee
$196
Top
Up to 10%
- ✓Strong runner-up at $797/yr net — roughly $191 behind #1 on the same spend mix.
- ✓Best for partner spends — Up to 10%, up to S$100/mo per category.
HSBC Revolution Credit Card
HSBC
Net / yr
$988
Fee
Free
Top
10%
- ✓Best net value on this list — about $988/yr in your pocket after fees on typical spends.
- ✓Best for dining/online — 10%, up to S$100/mo.
DBS Altitude Visa
DBS
Net / yr
$600
Fee
$196
Top
3 miles/S$1
- ✓Worth a look — $600/yr net among the eligible cards on this list.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1HSBC Revolution Credit Card$988#1HSBC Revolution Credit Card$988
- #2UOB One Card$797#2UOB One Card$797
- #3DBS Altitude Visa$600#3DBS Altitude Visa$600
Estimated net value on a shared spend profile — not marketing headline rates.
Best credit card for dining and food delivery in Singapore
Dining cards are where reward caps matter most, because a restaurant-heavy month can blow through a monthly ceiling quickly. We weighted this profile so dining is about 40% of spend and ranked cards by what is left after the cap.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| HSBC Revolution | ~$1,600 | None | $30,000/yr | Cap: S$100/mo. |
| Maybank Family & Friends Card | ~$1,100 | $196.20/yr | $30,000/yr | Cap: S$80/mo. |
| OCBC 365 | ~$900 | $196.20/yr | $30,000/yr | Cap: S$80/mo per category. |
Expect around $1,600 a year from HSBC Revolution, against $1,100 for Maybank Family & Friends Card and $900 for OCBC 365. That lead of $660 a year is large, and it comes with no fee. Check whether delivery apps count as dining, and whether the bonus needs a minimum monthly spend.
Dining and food delivery picks on CardHungry
HSBC Revolution Credit Card
HSBC
Net / yr
$988
Fee
Free
Top
10%
- ✓Best net value on this list — about $988/yr in your pocket after fees on typical spends.
- ✓Best for dining/online — 10%, up to S$100/mo.
Maybank Family & Friends Card
Maybank
Net / yr
$770
Fee
$196
Top
8%
- ✓Strong runner-up at $770/yr net — roughly $218 behind #1 on the same spend mix.
- ✓Best for groceries/dining/transport — 8%, up to S$80/mo.
OCBC 365 Credit Card
OCBC
Net / yr
$692
Fee
$196
Top
6%
- ✓Worth a look — $692/yr net among the eligible cards on this list.
- ✓Best for dining, groceries, transport — 6%, up to S$80/mo per category.
Maybank Family & Friends Card
Maybank
Net / yr
$770
Fee
$196
Top
8%
- ✓Strong runner-up at $770/yr net — roughly $218 behind #1 on the same spend mix.
- ✓Best for groceries/dining/transport — 8%, up to S$80/mo.
HSBC Revolution Credit Card
HSBC
Net / yr
$988
Fee
Free
Top
10%
- ✓Best net value on this list — about $988/yr in your pocket after fees on typical spends.
- ✓Best for dining/online — 10%, up to S$100/mo.
OCBC 365 Credit Card
OCBC
Net / yr
$692
Fee
$196
Top
6%
- ✓Worth a look — $692/yr net among the eligible cards on this list.
- ✓Best for dining, groceries, transport — 6%, up to S$80/mo per category.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1HSBC Revolution Credit Card$988#1HSBC Revolution Credit Card$988
- #2Maybank Family & Friends Card$770#2Maybank Family & Friends Card$770
- #3OCBC 365 Credit Card$692#3OCBC 365 Credit Card$692
Estimated net value on a shared spend profile — not marketing headline rates.
Best credit card for groceries in Singapore
Grocery bonuses are common but often narrow: some cards pay only at named supermarkets, others cap the reward at a few hundred a month. We weighted groceries to about 40% of spend and looked at what the best cards keep.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| Maybank Family & Friends Card | ~$1,000 | $196.20/yr | $30,000/yr | Cap: S$80/mo. |
| UOB One Card | ~$930 | $196.20/yr | $30,000/yr | Cap: S$100/mo per category. |
| OCBC 365 | ~$860 | $196.20/yr | $30,000/yr | Cap: S$80/mo per category. |
Maybank Family & Friends Card tops the groceries and supermarkets list ($1,000 a year), ahead of UOB One Card ($930) and OCBC 365 ($860). With only $180 a year between first and last, the better card is the one that matches how you pay. Confirm the store types that count and the monthly cap, since groceries are a high-frequency, low-ticket category.
Groceries and supermarkets picks on CardHungry
UOB One Card
UOB
Net / yr
$797
Fee
$196
Top
Up to 10%
- ✓Best net value on this list — about $797/yr in your pocket after fees on typical spends.
- ✓Best for partner spends — Up to 10%, up to S$100/mo per category.
Maybank Family & Friends Card
Maybank
Net / yr
$770
Fee
$196
Top
8%
- ✓Strong runner-up at $770/yr net — roughly $27 behind #1 on the same spend mix.
- ✓Best for groceries/dining/transport — 8%, up to S$80/mo.
OCBC 365 Credit Card
OCBC
Net / yr
$692
Fee
$196
Top
6%
- ✓Worth a look — $692/yr net among the eligible cards on this list.
- ✓Best for dining, groceries, transport — 6%, up to S$80/mo per category.
Maybank Family & Friends Card
Maybank
Net / yr
$770
Fee
$196
Top
8%
- ✓Strong runner-up at $770/yr net — roughly $27 behind #1 on the same spend mix.
- ✓Best for groceries/dining/transport — 8%, up to S$80/mo.
UOB One Card
UOB
Net / yr
$797
Fee
$196
Top
Up to 10%
- ✓Best net value on this list — about $797/yr in your pocket after fees on typical spends.
- ✓Best for partner spends — Up to 10%, up to S$100/mo per category.
OCBC 365 Credit Card
OCBC
Net / yr
$692
Fee
$196
Top
6%
- ✓Worth a look — $692/yr net among the eligible cards on this list.
- ✓Best for dining, groceries, transport — 6%, up to S$80/mo per category.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1UOB One Card$797#1UOB One Card$797
- #2Maybank Family & Friends Card$770#2Maybank Family & Friends Card$770
- #3OCBC 365 Credit Card$692#3OCBC 365 Credit Card$692
Estimated net value on a shared spend profile — not marketing headline rates.
Best fuel credit card in Singapore
Fuel cards live and die on which pumps they cover and the monthly spend ceiling on the bonus. With fuel at about 40% of spend, this list favours cards with a real fuel rate over generic cashback.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| Maybank Family & Friends Card | ~$1,200 | $196.20/yr | $30,000/yr | Cap: S$80/mo. |
| OCBC 365 | ~$970 | $196.20/yr | $30,000/yr | Cap: S$80/mo per category. |
| Citi Cash Back Card | ~$740 | $196.20/yr | $30,000/yr | Cap: S$80 combined. |
For fuel, Maybank Family & Friends Card leads at about $1,200 a year, with OCBC 365 next at $970 and Citi Cash Back Card at $740. That lead of $490 a year is large, even with its $196.20/yr fee. The headline rate usually applies only at a named fuel brand, and the surcharge waiver has its own per-transaction limits.
Fuel picks on CardHungry
Maybank Family & Friends Card
Maybank
Net / yr
$770
Fee
$196
Top
8%
- ✓Best net value on this list — about $770/yr in your pocket after fees on typical spends.
- ✓Best for groceries/dining/transport — 8%, up to S$80/mo.
OCBC 365 Credit Card
OCBC
Net / yr
$692
Fee
$196
Top
6%
- ✓Strong runner-up at $692/yr net — roughly $78 behind #1 on the same spend mix.
- ✓Best for dining, groceries, transport — 6%, up to S$80/mo per category.
Citi Cash Back Card
Citi
Net / yr
$559
Fee
$196
Top
8%
- ✓Worth a look — $559/yr net among the eligible cards on this list.
- ✓Best for petrol and private commute — 8%, up to S$80 combined.
OCBC 365 Credit Card
OCBC
Net / yr
$692
Fee
$196
Top
6%
- ✓Strong runner-up at $692/yr net — roughly $78 behind #1 on the same spend mix.
- ✓Best for dining, groceries, transport — 6%, up to S$80/mo per category.
Maybank Family & Friends Card
Maybank
Net / yr
$770
Fee
$196
Top
8%
- ✓Best net value on this list — about $770/yr in your pocket after fees on typical spends.
- ✓Best for groceries/dining/transport — 8%, up to S$80/mo.
Citi Cash Back Card
Citi
Net / yr
$559
Fee
$196
Top
8%
- ✓Worth a look — $559/yr net among the eligible cards on this list.
- ✓Best for petrol and private commute — 8%, up to S$80 combined.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Maybank Family & Friends Card$770#1Maybank Family & Friends Card$770
- #2OCBC 365 Credit Card$692#2OCBC 365 Credit Card$692
- #3Citi Cash Back Card$559#3Citi Cash Back Card$559
Estimated net value on a shared spend profile — not marketing headline rates.
Best travel and miles credit card in Singapore
Travel cards trade higher fees for miles, lounge access and lower foreign-currency costs. This ranking puts travel and international spend at about 45% of the profile and values points at the rate in our catalog, so a card whose points you transfer at a better rate can do better than shown. Perks such as insurance are not in the numbers.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| DBS Altitude Visa | ~$500 | $196.20/yr | $30,000/yr | Cap: S$500/mo. |
| OCBC 90°N Card | ~$400 | $196.20/yr | $50,000/yr | Travel: 2.1 miles/S$1. |
| Citi PremierMiles Card | ~$360 | $196.20/yr | $50,000/yr | Local: 1.2 miles/S$1. |
DBS Altitude Visa keeps the most on this profile, roughly $500 a year; OCBC 90°N Card comes in at $400, Citi PremierMiles Card at $360. The 26% lead is wide enough that you would need a very different spending mix to flip it. Check how points convert to miles or vouchers, and whether the lounge benefit needs a minimum spend.
Travel and miles picks on CardHungry
DBS Altitude Visa
DBS
Net / yr
$600
Fee
$196
Top
3 miles/S$1
- ✓Best net value on this list — about $600/yr in your pocket after fees on typical spends.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
Citi PremierMiles Card
Citi
Net / yr
$394
Fee
$196
Top
1.2 miles/S$1
- ✓Strong runner-up at $394/yr net — roughly $206 behind #1 on the same spend mix.
- ✓Best for local — 1.2 miles/S$1.
OCBC 90°N Card
OCBC
Net / yr
$373
Fee
$196
Top
2.1 miles/S$1
- ✓Worth a look — $373/yr net among the eligible cards on this list.
- ✓Best for travel — 2.1 miles/S$1.
Citi PremierMiles Card
Citi
Net / yr
$394
Fee
$196
Top
1.2 miles/S$1
- ✓Strong runner-up at $394/yr net — roughly $206 behind #1 on the same spend mix.
- ✓Best for local — 1.2 miles/S$1.
DBS Altitude Visa
DBS
Net / yr
$600
Fee
$196
Top
3 miles/S$1
- ✓Best net value on this list — about $600/yr in your pocket after fees on typical spends.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
OCBC 90°N Card
OCBC
Net / yr
$373
Fee
$196
Top
2.1 miles/S$1
- ✓Worth a look — $373/yr net among the eligible cards on this list.
- ✓Best for travel — 2.1 miles/S$1.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1DBS Altitude Visa$600#1DBS Altitude Visa$600
- #2Citi PremierMiles Card$394#2Citi PremierMiles Card$394
- #3OCBC 90°N Card$373#3OCBC 90°N Card$373
Estimated net value on a shared spend profile — not marketing headline rates.
Best credit card for airport lounge access in Singapore
Lounge access is the benefit most often overstated. Many cards give a few visits a year, and several only unlock them after a quarterly or monthly spend. We list cards that include lounge access and rank them on the rest of their value, so a card that earns well and happens to include lounge visits comes out ahead of one that is only a lounge pass.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| DBS Altitude Visa | ~$660 | $196.20/yr | $30,000/yr | Cap: S$500/mo. |
| SC Journey | ~$460 | $196.20/yr | $50,000/yr | Travel: 3X 360° points. |
| Citi PremierMiles Card | ~$410 | $196.20/yr | $50,000/yr | Local: 1.2 miles/S$1. |
Expect around $660 a year from DBS Altitude Visa, against $460 for SC Journey and $410 for Citi PremierMiles Card. That lead of $260 a year is large, even with its $196.20/yr fee. Look for the spend condition attached to the lounge visits and how many are domestic versus international.
Airport lounge access picks on CardHungry
DBS Altitude Visa
DBS
Net / yr
$600
Fee
$196
Top
3 miles/S$1
- ✓Best net value on this list — about $600/yr in your pocket after fees on typical spends.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
SC Journey Credit Card
Standard Chartered
Net / yr
$413
Fee
$196
Top
3X 360° points
- ✓Strong runner-up at $413/yr net — roughly $187 behind #1 on the same spend mix.
- ✓Best for travel — 3X 360° points.
Citi PremierMiles Card
Citi
Net / yr
$394
Fee
$196
Top
1.2 miles/S$1
- ✓Worth a look — $394/yr net among the eligible cards on this list.
- ✓Best for local — 1.2 miles/S$1.
SC Journey Credit Card
Standard Chartered
Net / yr
$413
Fee
$196
Top
3X 360° points
- ✓Strong runner-up at $413/yr net — roughly $187 behind #1 on the same spend mix.
- ✓Best for travel — 3X 360° points.
DBS Altitude Visa
DBS
Net / yr
$600
Fee
$196
Top
3 miles/S$1
- ✓Best net value on this list — about $600/yr in your pocket after fees on typical spends.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
Citi PremierMiles Card
Citi
Net / yr
$394
Fee
$196
Top
1.2 miles/S$1
- ✓Worth a look — $394/yr net among the eligible cards on this list.
- ✓Best for local — 1.2 miles/S$1.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1DBS Altitude Visa$600#1DBS Altitude Visa$600
- #2SC Journey Credit Card$413#2SC Journey Credit Card$413
- #3Citi PremierMiles Card$394#3Citi PremierMiles Card$394
Estimated net value on a shared spend profile — not marketing headline rates.
How to choose among these
- Start with where most of your money goes. A card that is third in a category you rarely use is worse than a modest card in the category you use daily.
- Check the monthly cap before the percentage. A 10% rate that stops at a small monthly ceiling can pay less than a flat 2% with no cap once you spend normally.
- Look at the fee against your real spending, not ours. Our table shows the fee and the spend at which it is waived, where the bank publishes one.
- Apply to one card first. Each application is a hard enquiry, and a decline on your first card makes the next harder.
Get a personalized recommendation
Articles are generic — your best card depends on income and spends. Match in 2 minutes, no CBS pull.
Start free matchRates, caps, and offers are sourced from public issuer and platform terms and may change — see how we calculate net annual value.
Frequently asked questions
What is the best credit card in Singapore in October 2026?+
On our standard spending profile the highest net value comes from HSBC Revolution, at about $990 a year after fees and caps. The best card for you depends on where you spend, so use the category sections above: a card that wins on dining may be mediocre for fuel.
How are the rankings calculated?+
We estimate the annual rewards each card pays on a monthly spending profile, subtract the annual fee and foreign-currency costs, and apply the monthly caps and exclusions in each card’s terms. Points are valued at the rate in our catalog. Sign-up bonuses are left out so a one-off bonus cannot outrank a card that pays every year. Our methodology page documents each assumption.
Do I need a high income for these cards?+
Everyday lists assume an income around $48,000/yr and only include cards asking for that or less. Travel and lounge lists allow cards that ask for up to 2.5 times that. Each table shows the minimum income the bank states, and banks can still decline you for other reasons.
Does checking these cards affect my Credit Bureau Singapore score?+
No. CardHungry never pulls your Credit Bureau Singapore report. A hard enquiry happens only when you apply to the bank, so apply to one card you are likely to get rather than several at once.
How often is this list updated?+
We publish a new edition each month and update the numbers whenever a card’s terms change. This is the October 2026 edition; the next one is due in the first week of the following month. Every card page shows the date its details were last verified.
Related articles
Get approved — no bureau pull
Best Credit Cards for Expats in Singapore (2026)
Expats and EPs can get Singapore cards without SingPass myths — income tiers, passport docs, and which cashback cards win on Grab + FairPrice spends.
We picked a winner (honest math)
Air Miles vs Cashback Cards in Singapore
Miles cards reward patient optimizers; cashback wins for simplicity and predictable value.