Best Credit Cards for Online Shopping in Singapore (2025): Unlock Rewards with Every Click!
Looking to maximise your online shopping rewards in Singapore? Our 2025 guide reveals the best credit cards for online shopping, offering top cashback, miles, and exclusive perks for digital spenders like you!
written_by SingSaver Team
updated: May 15, 2025
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.
Love clicking 'add to cart' from the comfort of your bed? Same!
This guide unveils the top credit cards to make your online shopping even more satisfying, with cashback, miles, and exclusive deals that'll make your wallet (and your hauls) happier.
>> More : Pros and cons of shopping with a credit card in Singapore
Table of contents
- Why use a credit card for online shopping in Singapore?
- Understanding what counts as online spend (and what doesn’t)
- UOB EVOL Card — Top cashback for mobile & online spenders
- DBS Woman’s World Card — Premier card for earning air miles online
- HSBC Revolution Credit Card — Hassle-free rewards for e-commerce & contactless
- Citi Rewards Card — Unlock bonus points on Shopee & Lazada
- OCBC FRANK Credit Card — Top cashback for digital subscriptions & online services
- Cards optimised for specific online platforms
- How to supercharge your online credit card rewards
- Fees to watch out for with online shopping credit cards
- Final thoughts: choosing the best card for your clicks
Why use a credit card for online shopping in Singapore?
Unlock extra value from your digital spending! The right credit card transforms regular online purchases into valuable rewards:
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Earn rewards: Accumulate cashback for everyday savings or miles towards your next holiday with every online transaction.
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Enhanced security: Benefit from robust fraud protection and simplified dispute processes for online purchases, ensuring a safer shopping experience.
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Exclusive perks: Access special promotions, bonus rewards on popular Singaporean platforms like Shopee and Lazada, and deals with services like Grab.
Understanding what counts as online spend (and what doesn’t)
Typically included:
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E-commerce platforms (Shoopee, Lazada, Amazon)
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Streaming services (Netflix, Spotify, YouTube Premium)
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Food delivery apps (GrabFood, Deliveroo, Foodpanda)
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Ride-hailing services (Grab, Gojek)
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Online retail stores (ASOS, Taobao)
Often excluded:
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Insurance premiums
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E-wallet top-ups (depending on the card)
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Payments to educational institutions
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Government services and payments
UOB EVOL Card — Top cashback for mobile & online spenders
UOB EVOL Card
on_provider_website
| Card benefit | 0.3 - 10% cashback |
|---|---|
| Min. Annual Income | S$ 30,000 |
| Cashback Online and Mobile Contactless Spend | 10% |
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Product details
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Earn 10% cashback on online shopping transactions.
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Earn 10% cashback on mobile contactless payments.
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Requires a minimum monthly spend of S$800 to unlock
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No annual fee
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Compatible with various digital payment platforms.
SingSaver’s take
The UOB EVOL Card is a strong contender for digitally savvy Singaporeans who frequently shop online and use mobile contactless payments. Its split cashback structure caters well to modern spending habits, offering a significant return if the minimum spending requirement is met.
DBS Woman’s World Card — Premier card for earning air miles online
DBS Woman's World Card
on_provider_website
| Card benefit | 1 - 10 DBS points / dollar |
|---|---|
| Airmiles Local | 4 miles / dollar |
| Airmiles Overseas | 1.2-4 miles / dollar |
| Annual Fee | S$ 196.20 |
product_details
Product details
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Earn 4 miles per S$1 spent on online transactions.
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Points can be converted into up to 10% off airline tickets on Emirates Singapore and 8% off selected hotels worldwide through Expedia.
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No minimum spend required to start earning base points.
SingSaver’s take
The DBS Woman’s World Card is a go-to for Singaporeans who prioritise earning air miles through their online shopping. Its high miles earn rate on online transactions, coupled with a substantial monthly cap, makes it particularly attractive for those who spend a significant amount online and have travel aspirations.
HSBC Revolution Credit Card — Hassle-free rewards for e-commerce & contactless
HSBC Revolution Credit Card
on_provider_website
| Card benefit | 4 miles / dollar |
|---|---|
| Airmiles Local | Up to 4 miles / dollar |
| Airmiles Overseas | Up to 4 miles / dollar |
| Annual Fee | No Annual Fee |
| REWARDS | |
| |
product_details
Product details
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Earn 4 miles per S$1 equivalent on online purchases.
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1X base reward point on all eligible contactless transactions
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No minimum spending requirement to earn bonus points.
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Annual fee is permanently waived.
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Welcome offers frequently available for new cardholders.
SingSaver’s take
The HSBC Revolution Credit Card offers a straightforward and accessible way for Singaporeans to earn rewards on their online and everyday spending. With no annual fee and no minimum spend requirement to unlock bonus points, it’s a convenient option for a wide range of users.
Citi Rewards Card — Unlock bonus points on Shopee & Lazada
Citi Rewards Card
on_provider_website
| Card benefit | 1 - 10 points / dollar |
|---|---|
| Airmiles Local | Up to 4 miles / dollar |
| Airmiles Overseas | Up to 4 miles / dollar |
| Annual Fee | S$ 196.20 |
| REWARDS | |
| |
product_details
Product details
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Earn 4 miles per S$1 equivalent on online purchases (excluding travel).
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Earn 4 miles per S$1 equivalent on GrabPay top-ups.
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Welcome offers often available for new cardholders.
SingSaver’s take
The Citi Rewards Card is a strategic tool for Singaporeans who frequently shop on e-commerce platforms like Shopee and Lazada. Its high points earn rate on online transactions, combined with the ability to potentially stack rewards with cashback apps, makes it a valuable asset for maximising savings on your digital purchases.
OCBC FRANK Credit Card — Top cashback for digital subscriptions & online services
OCBC Frank Card
on_provider_website
| Card benefit | 0.3 - 10% cashback |
|---|---|
| Min. Annual Income | S$ 30,000 |
| Annual Fee | S$ 196.20 |
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SingSaver x OCBC Rewards Credit Card Exclusive Promo
Get a Shark Wandvac Handheld Vacuum, Apple AirPods 4, S$180 Shopee Voucher, or S$150 Cash when you apply for an OCBC Rewards Credit Card via SingSaver and make at least one (1) transaction of any amount within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid till 30 June 2025. T&Cs apply.
Product details
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Earn up to 8% cashback on online spending (including streaming services and online shopping).
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Requires a minimum monthly spend of S$800 to unlock the highest cashback tier.
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Monthly cashback cap of S$100 for online spending.
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Also offers cashback on offline spending categories.
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Comes with attractive card designs.
SingSaver’s take
The OCBC FRANK Credit Card is a popular choice for young professionals and those with significant digital subscription expenses. Its high cashback rate on eligible online transactions, including streaming services, can provide tangible savings each month for users who meet the minimum spending requirement.
SingSaver x OCBC 365 Credit Card Exclusive Promo
Get a Shark Wandvac Handheld Vacuum, Apple AirPods 4, S$180 Shopee Voucher, or S$150 Cash when you apply for an OCBC 365 Credit Card via SingSaver and make at least one (1) transaction of any amount within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid till 30 June 2025. T&Cs apply.
SingSaver x CIMB Visa Signature Credit Card Exclusive Offer
Receive S$50 Cash via PayNow when you sign up for a CIMB Visa Signature Credit Card and spend a min. of S$108 within 30 days of card approval. Stackable with ongoing CIMB S$188 cashback welcome offer. Valid till 30 June 2025. T&Cs apply.
Best premium credit cards in Singapore (2025): Perks, rewards & travel privileges compared
Enjoy luxury perks, travel privileges, and elite rewards with Singapore’s top premium credit cards. Compare the best options tailored for high spenders in 2025.
Cards optimised for specific online platforms
Best credit cards for Shopee & Lazada
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Citi Rewards: Frequent exclusive promotions and bonus points during sales.
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UOB EVOL: Cashback on online transactions and potential partnerships with these platforms.
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DBS Woman’s World Card: Higher spending cap for maximising rewards during major shopping events.
Top credit cards for Amazon, ASOS, Taobao
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HSBC Revolution: Lower foreign transaction fees and 10X rewards points on overseas online spend.
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Citi PremierMiles Card: Consider if your international online shopping aligns with travel rewards goals.
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OCBC 90°N Card: Competitive foreign exchange rates and no expiry on earned miles.
How to redeem credit card rewards in Singapore: A step-by-step guide (2025)
How to supercharge your online credit card rewards
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Time your buys: Strategically plan your online shopping around mega sales events like 11.11, Black Friday, and year-end sales to leverage bonus rewards and discounts.
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Stack with cashback sites: Use platforms like ShopBack and RebateMango in conjunction with your credit card to earn additional cashback on top of your card rewards.
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Mobile wallet magic: Where applicable, use mobile wallet integrations (like Apple Pay or Google Pay) with your chosen credit card, as some banks offer bonus rewards for these transactions.
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Automate subscriptions: Set up recurring subscription payments (e.g., streaming services) on your cashback-eligible credit card for consistent savings.
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SGD for overseas sites (usually): Unless you have a card with exceptionally low foreign transaction fees, opt to pay in Singapore Dollars (SGD) when shopping on international websites to avoid potentially unfavorable Dynamic Currency Conversion (DCC) rates.
How to update your income with credit card issuers in Singapore (2025 guide)
Updating your income with your credit card issuer can unlock higher limits and better rewards. Here’s how to do it in Singapore.
Fees to watch out for with online shopping credit cards
Annual fees
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Many credit cards offer first-year annual fee waivers.
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Some cards waive subsequent annual fees if you meet a specific minimum annual spending requirement.
Foreign transaction fees
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Most credit cards charge a fee (typically 2.5%–3.5%) on purchases made in foreign currencies.
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Consider cards like the HSBC Revolution and OCBC 90°N for lower FX fees if you frequently shop on international websites.
Missed minimum spend penalties
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Cards like UOB EVOL and OCBC FRANK require a monthly minimum spend (e.g., S$600–S$800) to unlock the highest cashback tiers. Failing to meet this can result in lower reward rates.
>> More : 7 smart ways to meet your credit card minimum spend
Final thoughts: choosing the best card for your clicks
The best credit card for online shopping in Singapore ultimately depends on your individual spending habits and preferences. Whether you prioritise high cashback, maximising air miles, or earning rewards on specific platforms, there's a card tailored to your needs. Carefully consider your typical online spending patterns and the rewards that offer the most value to you.
Frequently asked questions about the best credit cards for online shopping
Do all online purchases automatically earn cashback or miles?
Not necessarily. Certain transaction types, such as insurance payments, educational expenses, and e-wallet top-ups (depending on the card's terms and conditions), may be excluded from earning rewards. Always verify the specific merchant category exclusions for your card.
Do all online purchases automatically earn cashback or miles?
Not necessarily. Certain transaction types, such as insurance payments, educational expenses, and e-wallet top-ups (depending on the card's terms and conditions), may be excluded from earning rewards. Always verify the specific merchant category exclusions for your card.
Can I use these credit cards on international e-commerce websites?
Yes, you can use most Singaporean credit cards for purchases on international e-commerce sites. However, be mindful of foreign transaction fees, which can erode your potential rewards. Cards with lower or waived FX fees are generally more suitable for frequent cross-border online shopping.
Is it generally better to choose cashback or points for online shopping rewards?
The better reward type depends on your personal financial goals. Cashback provides direct savings that can be easily used, while points can often be redeemed for higher-value rewards like air miles or shopping vouchers, especially if you strategically utilise transfer partners and redemption offers.
What are the potential consequences if I don't meet the minimum spending requirement on a rewards card?
Failing to meet the minimum spending requirement on cards like the UOB EVOL and OCBC FRANK can result in you earning a lower cashback rate or even forfeiting the cashback altogether for that statement cycle. Additionally, it could impact your eligibility for annual fee waivers in subsequent years. If your spending fluctuates significantly, consider a card with no minimum spending requirement to ensure consistent rewards.
about_the_author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.