#1$696/yr
OCBC 365 Credit Card
6% · Cashback Kings
Best net value on this list — about $696/yr in your pocket after fees on typical spends.
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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 5 benefits →Online/contactless
5%
S$60/mo
Online
5%
Cap $60/mo
All spends
0.3%
Fee waiver
$10,000
yearly spend
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Issuer public T&Cs (Singapore, verified Jun 2026)
Flat cashback on spends — no points math
Source: Issuer public T&Cs (Singapore, verified Jun 2026)
Online/contactless
5%
Cap: S$60/mo
Example: $60/mo spend → ≈ $3/mo (max at cap)
Fee waiver at
$10,000 annual spend
Based on moderate spend for this market
Est. net annual
$324
per year
Annual fee
Free
per year
Effective return
1.1%
of spend
Rewards minus annual fee on your spend profile
Annual fee $192 · Forex 2.8% on international transactions — tap for full fees
Joining fee
Charged in first year
$192
Annual / renewal fee
Waived on $10,000 annual spend
$192
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/mo — 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 $192 annual fee, net value is approximately $324/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 $696/yr in your pocket after fees on typical spends.
SC Smart Credit Card
6% · Cashback Kings
Strong runner-up at $615/yr net — roughly $81 behind #1 on the same spend mix.
Citi Cash Back Card
8% · Cashback Kings
Worth a look — $605/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
