Best Credit Cards for Large Purchases (2025)

When it comes to large expenses — think laptops, wedding banquets, renovations, electronics, or even luxury bags — swiping the right credit card can give you valuable returns. Whether you're after cashback, miles, or flexible payment terms, the right card doesn’t just help you pay — it helps you earn. 

This guide breaks down the best credit cards in Singapore for big-ticket spending in 2025, depending on whether you want rewards now (cashback) or later (travel miles). We’ve also added alternatives if you want to explore other payment options beyond credit cards.

Cashback cards give you immediate value for every dollar spent — perfect when you're splurging on a big-ticket item and want to soften the blow with some money back. These cards are especially useful when you’re spending on retail, electronics, or home essentials.

Cashback details: This card gives you 1.6% unlimited cashback with no minimum spend or caps.

This is great for big-ticket items because you can earn on the full amount — whether it’s $2,000 or $20,000.

Runner-up: UOB Absolute Cashback Card

Enjoy 1.7% cashback with no spend exclusions, and it even works with mobile wallet payments like GrabPay.

No need to check if you met some spending goal, or fiddle with your purchases to meet a basic spend. Start getting cashback from the very first dollar with these cards.

Get 1.5% unlimited cashback on everything — no minimum spend or cashback cap.

This works well for big buys because you won’t have to split payments or track thresholds.

Runner-up: Maybank DUO Platinum Mastercard

This offers 3% cashback on local petrol and 1.5% on everything else, with no minimum spend required.

Cashback on everything (including uncommon categories)

The selling point of these cards is their lack of exclusions. Earn cashback on transactions like school fees, rental, government payments, charitable donations, insurance premiums, and prepaid wallet top-ups.

1.7% unlimited cashback on all spend, including insurance premiums, school fees, wallet top-ups, healthcare, rental payments, utility and telco bills, and more.

Covers a wider range of merchants, including insurance premiums and utilities, at 1.7% cashback.

Runner-up: American Express True Cashback Card

Offers 1.5% cashback on all spending, with a bonus 3% cashback for the first six months (up to S$5,000).

» Find the best cashback cards Singapore 2025 

Best miles credit cards for big purchases

Miles cards are great if you want your big spend to help fund your next flight. They're ideal for travel bookings, large overseas purchases, or any high-spend item where you'd rather earn travel rewards than cash rebates.

Mpd details: 1.2 miles per local dollar spend, 2.2 miles per foreign currency dollar spend.

A great pick for high-value items as there’s no cap to how much you can earn.

Runner-up: OCBC 90°N

Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.

Best for travel-related expenses

Spend big during your holidays? These cards have you covered in terms of miles, so you earn back on flights, hotels, and tours.

Mpd details: Up to 1.3 miles per S$1 spent locally, including bus and train rides. Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.

When you use cards like the DBS Altitude Visa for flight tickets, hotel stays, or online travel bookings, you earn higher miles per dollar (mpd) compared to general spending.

Runner-up: UOB PRVI Miles

Up to 1.4 mpd locally and 2.4 mpd overseas — ideal for travellers with high overseas spend.

Mpd details: Earn up to 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KriShop, Kris+ and selected category spend.

Cards like the UOB KrisFlyer Credit Card are designed to directly funnel your miles into your KrisFlyer account, without needing additional conversions.

Runner-up: American Express Singapore Airlines KrisFlyer Credit Card

Earn 1.1 mpd on local and 2 mpd on overseas spend, with bonus miles for first-time SIA bookings.

Credit cards aren’t the only option. Some alternatives include:

• Instalment payment plans: Offered by banks and merchants — good for managing cash flow without interest.

• Buy now, pay later (BNPL) services: Useful for mid-range items, though often have lower limits.

• Personal loans: If you’re making a very large purchase and need lower interest over time.

• Interest-free card promotions: Some credit cards offer 0% instalment plans for big-ticket spending.

*The information regarding the credit cards featured was sourced and compiled by Singsaver and was not reviewed or endorsed by the issuers.