Cashback

: These cards offer much higher rates—often 5% to 10% —but only for specific categories like dining, groceries, or petrol.

: Offers one of the highest flat rates at 1.7% and famously includes typically excluded categories like insurance and school fees. cashback

: Features up to 8% back on petrol and 6% on dining and groceries, provided a minimum monthly spend is met. : These cards offer much higher rates—often 5%

: These cards offer a consistent rebate—usually between 1.5% and 1.7% —on almost all spending without a maximum cap or minimum spend requirement. : These cards offer a consistent rebate—usually between 1

Credit cards in Singapore generally follow one of two main earning models:

: Targets digital-first spenders with 10% cashback on online and mobile contactless payments. OCBC 365 Credit Card | Get Cashback on Everyday Spending

: Provides 1.6% unlimited cashback with no expiry.