#1$770/yr
Maybank Family & Friends Card
8% · Cashback Kings
Best net value on this list — about $770/yr in your pocket after fees on typical spends.
Age 21–65 · From $30,000/mo income · Unsecured
Cashback Kings·Citi
Strong for dining and groceries with monthly cashback caps.
Age 21–65 · From $30,000/mo income · Unsecured
Key Benefits
All 8 benefits →Petrol and private commute
8%
S$80 combined
Dining and groceries
6%
Other
0.2%
Fuel
8%
Cap $80/mo
Signup bonus: $120 (year 1)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Citi Cash Back Singapore product page — 8/6/0.2, S$80 combined, min S$800
Flat cashback on spends — no points math
Source: Citi Cash Back Singapore product page — 8/6/0.2, S$80 combined, min S$800
Petrol and private commute
8%
Cap: S$80 combined
Example: $80/mo spend → ≈ $6.40/mo (max at cap)
Dining and groceries
6%
Example: $10,000/mo spend → ≈ $600/mo
Other
0.2%
Example: $10,000/mo spend → ≈ $20/mo
Based on moderate spend for this market
Est. net annual
$559
per year
Annual fee
$196
per year
Effective return
1.9%
of spend
Rewards minus annual fee on your spend profile
Annual fee $196 · Forex 3.25% on international transactions — tap for full fees
Joining fee
Charged in first year
$196
Annual / renewal fee
Charged every year unless waived
$196
Forex markup
3.25% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
Typically S$50–S$100 depending on balance — always pay on time
Reward redemption fee
Usually S$0 for cashback cards; points cards may have S$2+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–65 years · $30,000/year — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend ($2,400/mo), gross rewards are about $794/year. After the $196 annual fee, net value is approximately $559/year. Use the calculator above to model your own spends.
$30,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Balance transfers.
Deeper rankings and comparisons for similar use cases.
Maybank Family & Friends Card
8% · Cashback Kings
Best net value on this list — about $770/yr in your pocket after fees on typical spends.
OCBC 365 Credit Card
6% · Cashback Kings
Strong runner-up at $692/yr net — roughly $78 behind #1 on the same spend mix.
SC Smart Credit Card
6% · Cashback Kings
Worth a look — $516/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
