The Best Credit Cards for Online Shopping in Singapore

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

Online shopping keeps getting more fun as the years go by. The variety of things we can buy online keeps increasing, and the offers get bigger and bigger. Whether you’re shopping for apparel, home appliances, kitchen accessories, gadgets, or groceries, it makes sense to check for the item online to see if you can get a better price from sites like Lazada, Qoo10, or Zalora.

Since you’re reading this article, you no doubt want to find out what are our picks for the best credit cards for online shopping so that you get rewarded for your spends. Let’s get into it.

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

OCBC Titanium Rewards Card

OCBC Titanium Rewards CardOCBC Titanium Rewards Card
Card Type: Rewards
Annual Fee: S$192.60 (2-year fee waiver)
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Rewards:

  • 10x OCBC$ on online shopping and at department stores locally and overseas
  • Up to USD200 e-Commerce Protection each year
  • Exclusive Lounge Key access to over 800 airport lounges at USD 27

Why is it on our list?

With the OCBC Titanium Rewards Card (full review here), you will earn 10X OCBC$ per S$1 you spend when shopping for clothes, shoes, bags, electronics, gadgets, and kid’s wear online and offline. Department stores count as well, and online department stores like Lazada and Amazon will also earn you 10X points.

Best credit cards for online shopping

Why else is it on our list?

Have you ever been in a situation wherein you haven’t received a product you ordered or have received it only to realise that the product was damaged? In some instances, you can’t get your money back, but luckily the OCBC Titanium Rewards card comes with an E-Commerce Protection feature to help you get back some money.

Related: The Best Credit Cards for Entertainment Spends in Singapore

CIMB Visa Signature Card

Why is it on our list?

The CIMB Visa Signature Card is a card that you should consider using to save each time you spend online. The card gives you 10% cashback on all of your online spends. You also get access to promotional offers courtesy of CIMB!

Why else is it on our list?

You know how when you are in the process of applying for a credit card, the first thing you look for is the annual fee? Well, this card has no annual fees for life! So, go ahead and shop to your heart’s content without worrying about the annual fee!

Keep in mind: You have to spend a minimum of S$600 per statement month to be eligible for the 10% cashback. Moreover, the cashback is capped at S$100 per statement period and capped at S$50 per category.

Read also: CIMB Platinum Mastercard Review: A Great Cashback Card for Travel and Wellness

Standard Chartered Spree Card

SCB Spree Platinum Visa CardSCB Spree Credit Card
Card Type: Cashback
Annual Fee: S$192.60 (2-year fee waiver)
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Rewards:

  • 3% cashback on foreign currency online spends and vPost spends
  • 2% cashback on online spends made locally, contactless transactions, and mobile payments
  • No minimum spend requirement
  • Cashback is capped at S$60 per month

Why is it on our list?

The Spree Credit Card (full review here) has 4 things going for it:

  • 3% cashback on online spends made in foreign currencies and vPost spends
  • 2% cashback on all online spends in local currency online transactions, including mobile and contactless payments
  • 1% cashback on everything else

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 25% on your shipping charges on vPost. Use promo code, “SPREE2019” (valid until 31 October 2019)
  • Singapore Post – Get 10% discount on Speedpost Priority Service package and a 10% discount with a minimum spend of S$30 at the Philatelic Store at the General Post Office. (Valid until 31 October 2019)

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

Citi Rewards Card

Citi Rewards CardCiti Rewards Card
Card Type: Rewards
Annual Fee: S$192.60 (1-year waiver)
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Rewards :

  • 10X Rewards for every S$1 spent on clothes, bags, and shoes online as well as at department stores worldwide
  • Up to 10% Citi Rebate at over 300 participating merchants
  • Up to S$1 million complimentary travel insurance
  • Rewards points are valid for 5 years

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 (full review here) 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 retailers such as IN GOOD COMPANY as well as additional rewards promotions when you pay with a Citi Rewards 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 to such online purchases. Without promotions, these transactions will only earn you 1 Reward point on the dollar and you would be better off by using a different card.

Related: Revealed! The Best Cashback Credit Cards for Grocery Shopping in Singapore

Standard Chartered Rewards+ Credit Card

SCB Rewards+ Credit CardSCB Rewards+ Credit Card
Card Type: Rewards
Annual Fee: S$192.60 (2-year fee waiver)
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Rewards:

  • Earn up to 10X Rewards Points per S$1 spent on overseas retail, dining, and travel
  • Up to 5X Rewards Points per S$1 spent on local dining
  • Get up to S$500,000 complimentary travel insurance
  • There is no minimum spend requirement

Why is it on our list?

This card is Standard Chartered’s entry into the competitive world of rewards cards. And it looks like they have gone the OCBC Titanium and Citi Rewards Card way. You get 10X Rewards Points for every S$1 that you spend on foreign currency spending (read the full review here).

So, not just spending overseas, but if you buy something from a website based out of Singapore and pay in a foreign currency, you get 10X points! You cannot opt to pay in Singapore dollars, or you will not get your 10X Rewards Points.

Take note though, 10X rewards on the Rewards+ is only equivalent to 2.9 miles, instead of 4 miles.

As with most rewards cards, the Standard Chartered Rewards+ Credit Card also does not have any minimum spend requirements.

Why else is it on our list?

Well, as a Standard Chartered credit cardholder, you get access to The Good Life Privileges. As a result, you get great offers from retailers such as Shopee, ZALORA, and ASOS among others.

Tip: This card is best used for online spending in foreign currencies. Apart from overseas and local dining spends, don’t use this card for other transactions since you earn only 1X point for every S$1 on all other eligible purchases.

Must read: Guide to the Best Cashback Credit Cards + When to Use Which Cards

Picture this

Here’s how each of our top credit card picks for online shopping can reward you:

Category OCBC Titanium Rewards CIMB Visa Signature Standard Chartered Spree Citi Rewards Standard Chartered Rewards+
Online spending category Clothes, shoes, bags, kid’s wear, electronics, and gadgets All online spends All online spends Clothes, shoes, and bags – offline as well as online Retail spends made in foreign currencies
What you earn Rewards points: 10X OCBC$ per S$1 10% cashback Up to 3% cashback Rewards points: 10X Rewards points per S$1 Rewards points: 10X Rewards points per S$1
Yearly earning potential (cap) 120,000 OCBC$ S$1,200 cashback for categories that earn 10% cashback (S$50 per category per statement month) S$720 cashback 120,000 Citi Dollars 20,000 Rewards Points (on bonus points)
Minimum spend requirement No minimum spend S$600 per statement month No minimum spend No minimum spend No minimum spend
Annual fee S$192.60 (2-year fee waiver) No annual fee S$192.60 (2-year fee waiver) S$192.60 (1-year fee waiver) S$192.60 (2-year fee waiver)

Honorary Mentions

FRANK Credit CardFRANK Credit Card
Card Type: Cash rebate
Annual Fee: S$80 (2-year fee waiver)
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Rewards:

  • 6% cash rebate on online shopping transactions
  • Up to 5% cash rebate on entertainment transactions
  • Minimum in-store spend of S$400 per month
  • Cash rebate is capped at S$60 each month
BOC Family CardBOC Family Card
Card Type: Cash rebate
Annual Fee: S$190 (1-year fee waiver)
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Rewards:

  • 10% cash rebate on local and overseas dining and entertainment spends
  • 5% cash rebate at selected merchants
  • 3% cash rebate at supermarkets and on online spends, Grab, and taxi rides
  • S$800 minimum monthly spend requirement and cash rebate is capped at S$80 per statement month

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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