Diamonds are a girl’s best friend? Well, not if you’re a shopaholic. In which case, a credit card with shopping perks is way better. Here are the best credit cards to have in your shopping arsenal.
1. DBS Live Fresh
Ahh finally, a credit card after our own shopaholic hearts. The DBS Live Fresh credit card is great for those of you who love shopping online, because you get 5% cash back on all your online and Visa payWave purchases – yup, that includes online retailers, travel sites, movie tickets and even…McDelivery. Now you have one more reason to click on that ‘Check Out’ button.
Sign Up Requirements
- Cardholder must be 21 years old and above.
- Income of $30,000 and above per annum (Singaporeans) or $45,000 and above per annum (Foreigners)
Perks
- 5% cashback on all online and Visa payWave purchases
- 3X DBS points on all online purchases
- Minimum spend of $700 per month is required to qualify for the cashback.
- Rebate is capped at $70 per card account per month. There is no cap to the amount of DBS points you can earn.
- Card can be used as an EZ-Link card too, with activation of the EZ-Reload feature (an automatic top-up function for your EZ-Link card)
How To Sign Up
Apply online here.
(Source: DBS)
2. OCBC FRANK Credit Card
Unlike most other credit cards, OCBC’s FRANK Credit Card gives a generous 6% cash back on online purchases. Granted, the rebates are capped at $60 per month – but that means you’d have to spend more than er, $1000 a month on online shopping (in which case, gurrrrl you got a problem).
Cardholders also get rebates of up to 5% on entertainment purchases, including Starbucks, The Connoisseur Concerto (TCC) and more. Current promotions include discounts and vouchers from retailers like Lazada, Agoda and Reebonz.
Sign Up Requirements
- Cardholder must be 21 years old and above.
- Income of $30,000 and above per annum.
Perks
- 6% rebate on online purchases
- 5% rebate on entertainment purchases
- Monthly rebates are capped at $60 per month. Minimum spend of $400 per month is required to qualify for the rebate.
How To Sign Up
Apply online here.
(Source: FRANK By OCBC)
3. DBS Woman’s Card
If you’re the type to make big ticket purchases (gulp), the DBS Woman’s Card might be the one for you. The credit card offers flexible 12-month payment plans with 0% interest or processing fees, so you can pay for your shopping bills in affordable instalments.
You can also accumulate DBS Points for the amount charged to your Woman’s Card, which can be redeemed for shopping vouchers from merchants like CapitalMall, Takashimaya and more. That’s a win-win situation, right? *insert guilty shopaholic face here*
Sign Up Requirements
- Cardholder must be female and 21 years old and above.
- Income of $30,000 and above per annum (Singaporeans) or $45,000 and above per annum (Foreigners).
Perks
- 5X DBS Points for online purchases (DBS Points can be redeemed for shopping vouchers, movie tickets, KrisFlyer miles and more.)
- Priority taxi booking with Comfort and City Cab
- 12-month payment plans with 0% interest and 0% processing fees
How To Sign Up
(Source: DBS)
4. OCBC 365 Credit Card
The OCBC 365 Credit Card caters more to your lifestyle rather than shopping needs, but it does give 3% cashback on online purchases – including fashion retailers, movie tickets, travel websites and more.
Cardholders also get 3% cashback on groceries and recurring telecommunication bills, as well as 6% cashback on weekend dining. The cherry on top of it all? A whopping 14% discount at Caltex and Esso petrol stations. Now there’s a card you want in your wallet.
Sign Up Requirements
- Cardholder must be 21 years old and above.
- Income of $30,000 and above per annum (Singaporeans) or $45,000 and above per annum (Foreigners).
Perks
- 3% cashback on online and supermarket purchases
- 6% cashback on weekend dining purchases
- 5% cashback on petrol
- Visa Signature Concierge – 24/7 assistance for hotel and flight reservations, car rental, ticket booking and more.
- Cashback is capped at $80 per month. A minimum spend of $600 is required for the rebate.
How To Sign Up
Apply online here.
(Source: OCBC)
5. Citibank Rewards Card
As its name may suggest, the Citibank Rewards Card gives the cardholder well, lots of rewards. You can earn 10X Rewards points when you shop online (yup, that’s 10 points for every S$1 spent), and the points can be redeemed for shopping vouchers from merchants like TANGS, Robinsons, Isetan and more. You can also opt to redeem the points for a cash rebate, which will be directly credited to your credit card account. That’s not all though – the credit card also entitles you to discounts from popular online retailers like Lazada, Yoox, In Good Company and more.
Sign Up Requirements
- Cardholder must be 21 years old and above.
- Income of $30,000 and above per annum (Singaporeans) or $45,000 and above per annum (Foreigners).
Perks
- Earn 10X Rewards (10 points for every S$1 spent) when you shop online. Points can be redeemed for merchandise, vouchers and even cash rebates.
- 5% cashback on shipping charges and free insurance when you ship with Citi Globeshopper.
- Welcome gift of $1500 in shopping vouchers.
How To Sign Up
Apply online here.
(Source: Citibank)
6. UOB YOLO Card
UOB’s YOLO Credit Card caters to millennials (if you couldn’t already tell by the name), so you can expect perks like discounts at popular restaurants and complimentary entry at clubs. You also get more rebates when you spend on the weekend, so hey, there’s another reason to let loose.
The rebate for online shopping purchases isn’t as high as some of the other credit cards on this list, but the card does entitle you to discounts at retailers like Lazada, HipVan, Zalora and Naiise.
Sign Up Requirements
- Cardholder must be 21 years old and above.
- Income of $30,000 and above per annum (Singaporeans) or $40,000 and above per annum (Foreigners).
Perks
- 3% rebate on online shopping and weekday dining and entertainment
- 8% cash rebate on weekend dining and entertainment
- Discounts at dozens of retailers, restaurants and bars such as Agoda, Cathay Cineplexes and Kyo.
How To Sign Up
Apply online here.
(Source: UOB YOLO)
