Best Credit Cards for Online Shopping

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Shopping online has become the new norm for many of us shopaholics for several reasons; who even has the time and energy to go to the mall and spend hours store-hopping anymore? And what if the stores we want to go to just ended their sale? Do we really want to pay more when we can pay less?

What if we told you, that over and above the offers running on Lazada, Zalora, Qoo10 and whichever other websites you fancy, you can always earn more brownie points on your purchases? Are you really about to turn down reducing your cart value?

So, how about using a shopping credit card to get a good return on your investment?

Image of a shopper holding credit cards in front of a computer

Don’t leave money on the table. Here are the best credit cards for online shopping in Singapore:

OCBC Titanium Rewards Card

Why is it on our list?

With the OCBC Titanium Rewards Card, you will earn 10X OCBC$ per S$1 you spend when shopping for clothes, shoes, bags, electronics and gadgets and kid’s wear online, and offline.

Image of the categories in which the OCBC Titanium Card gives 10x rewards points

Isn’t it so frustrating that after we buy something online, we see the exact same thing for a lesser price on another website? Well, say goodbye to that feeling permanently because this card also comes with an Online Price Guarantee. You will get back 50% reimbursement on the price difference if you find what you bought on another website for a cheaper price.

Have you ever faced the tedious process of customer service phone calls when you didn’t receive your product after already paying for it online or when you finally got it after eagerly waiting for it, but it was damaged? The E-Commerce Protection feature on this card will take care of all that for you, don’t ya worry!

Why else is it on our list?

Did you know that your shopping escapades can also help you travel? You can convert your accumulated OCBC$ into air miles, for instance, spend S$2,500 and earn 25,000 OCBC$ which will fetch you 10,000 KrisFlyer miles. This can get you a one-way Economy Saver ticket to Malaysia, Indonesia or Brunei. So, start packing your new clothes for a trip that you paid for in clothes and shoes and gadgets!

Tip: Use this card to purchase personal care products by 30 September 2017 and earn 10X OCBC$ per S$1 spent.

Related: 5 Social Enterprises to Shop at and Feel Good

Standard Chartered Spree Card

Spree Credit Card

Why is it on our list?

The Spree Credit Card has 4 things going for it:

  • 3% cashback on foreign currency and vPost spends
  • 2% cashback on all local currency online transactions, including mobile and contactless payments
  • 1% cashback on everything else
  • Online price guarantee

The cashback percentage isn’t the best in the market, but here’s why it’s worth considering – there’s no minimum spend!

Why else is it on our list?

Not just meant for shopping, this card can help you cut costs on shipping charges as well:

  • vPost – Get a discount of 20% on your shipping charges on vPost. Use promo code, “SCB20B”.
  • Singapore Post – Get 10% discount on Speedpost Priority Service package

Additional Reading: Best Cashback Sites in Singapore to Make Money Back

Citi Rewards Card

Why is it on our list?

You will earn 10X Rewards points per S$1 spent on clothes, shoes and bags on shopping websites. The Citi Rewards Card gives you a generous 5 years to accumulate your points and go for the big paycheck! Your reward points will be valid on both, local and overseas purchases. You can also use this card to earn points at departmental stores.

Why else is it on our list?

To be honest, this card goes neck and neck with the OCBC Titanium Rewards. Both offer 10X reward points per $1 spent. However, what we love about the Citi Rewards Card are its frequent partner promotions.

There have been attractive promotions with Lazada and Amazon offering 20X Rewards on your shopping, or additional credit card discounts when you pay with a Citi card. So this is definitely a card we want in our wallet!

Tip: Don’t use this card to order meals, book movie tickets or travel arrangements as the 10X Rewards points will not be applicable on such online purchases. Without promotions, these transactions will only earn you 1 Reward point on the dollar.

Picture this

Here’s how each of our top credit card picks for online shopping can reward you like nothing else:

Credit Card/Category OCBC Titanium Rewards Card Spree Credit Card Citi Rewards Card
Online spending category Clothes, shoes, bags, kid’s wear, electronics & gadgets All online spends Clothes, shoes, bags, and online shopping sites like Lazada and Amazon
What you earn Rewards points: 10X OCBC$ per S$1 Cashback Rewards points: 10X Rewards points per S$1
Yearly earning potential (cap) 120,000 OCBC$ S$720 worth of cashback 120,000 Citi Dollars
Minimum spend requirement S$1 No requirement S$1
Offline use 10X Rewards points per S$1 spent on offline shopping at department stores/retail stores 1% cashback on other retail purchases 10X Rewards points per S$1 spent on offline shopping at department stores/retail stores
Annual fee with fee waiver S$192.60 (2-year fee waiver) S$192.60 (2-year fee waiver) S$192.60 (1-year fee waiver)

Honorary Mentions

So go ahead, shop, travel, eat, and live, all under one shopping credit card! Life doesn’t get more rewarding than this, literally speaking!


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