#1$692/yr
OCBC 365 Credit Card
6% · Cashback Kings
Best net value on this list — about $692/yr in your pocket after fees on typical spends.
Age 21–65 · From $30,000/mo income · Unsecured
Cashback Kings·DBS
Best for e-commerce and tap-to-pay in Singapore.
Age 21–65 · From $30,000/mo income · Unsecured
Key Benefits
All 6 benefits →Online/contactless
5%
S$60/mo
Other eligible spends
Base earn — see issuer T&Cs
Typical exclusions
Insurance, government, cash advance
Confirm current issuer T&Cs
Online
5%
Cap $60/mo
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: DBS Live Fresh — annual fee S$196.20 with a 1-year waiver, not a spend waiver
Flat cashback on spends — no points math
Source: DBS Live Fresh — annual fee S$196.20 with a 1-year waiver, not a spend waiver
Online/contactless
5%
Cap: S$60/mo
Example: $60/mo spend → ≈ $3/mo (max at cap)
Other eligible spends
Base earn — see issuer T&Cs
Typical exclusions
Confirm current issuer T&Cs
Insurance, government, cash advance
Based on moderate spend for this market
Est. net annual
$128
per year
Annual fee
$196
per year
Effective return
0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee $196 · Forex 2.8% 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
2.8% 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 $358/year. After the $196 annual fee, net value is approximately $128/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.
OCBC 365 Credit Card
6% · Cashback Kings
Best net value on this list — about $692/yr in your pocket after fees on typical spends.
Citi Cash Back Card
8% · Cashback Kings
Strong runner-up at $559/yr net — roughly $133 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.
