Cashback Cards: Which Card Should You Use For..

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Image of a woman looking at various cards in confusion

When it comes to cashback cards, there are often many things to consider, such as minimum spends, existing relationship with bank, or spending caps. This page aims to list which card provides the highest cashback in a specific spending category.

Use this as a guide, and even use multiple cards strategically to maximise your cashback return.

Note: Where possible, we try to prioritise cards with the following:

  • Easier mechanics to get cashback
  • Instant cashback rather than rebates which can only be exchanged for vouchers
  • Cashback within a category rather than co-branded cards for single brands

So here goes, which cashback card should you be using for…

Dining: Restaurants and Cafes

  1. CIMB Visa Signature – 10%
  2. Citi Cash Back Card – 8% worldwide
  3. BOC Family Card – 7% worldwide
  4. POSB Everyday Card – 3% weekdays, 9% weekends, and 14% deliveries

Dining: Fast Food

  1. CIMB Visa Signature – 10%
  2. Maybank Family and Friends Card – 8%
  3. Citi Cash Back Card – 8% worldwide
  4. BOC Family Card – 7% worldwide

Shopping Online

  1. Standard Chartered Platinum Visa SingPost Card – 7%
  2. OCBC Frank – 6%
  3. DBS Black Card – 5% worldwide

Shopping offline + department stores

  1. DBS Black Card – 5% worldwide
  2. OCBC Robinsons Card – 5% rebate at Robinsons and other merchants like Zara and Royal Sporting House

Entertainment & Movies

  1. UOB YOLO Card – 3% on weekdays and 8% on weekends
  2. OCBC Frank – 3% on weekday and 5% on weekends

Groceries

  1. BOC Family Card – 7%
  2. Maybank Family and Friends Card – 8% (capped at S$600/year and minimum spend of S$1,000 a month)
  3. Citi Cash Back Card – 8% (capped at S$25)
  4. BOC Sheng Siong Card – Up to 12%
  5. NTUC Plus! Visa Card – Up to 12%
  6. UOB Delight Card – Up to 8% SMART$ rebates at Cold Storage, Market Place, Jasons
  7. DBS Black Card – 5% (also includes Jason’s Isetan, Meidi-Ya, RedMart & HonestBee)

Recurring Telco Bills

  1. HSBC Visa Platinum – 5%
  2. OCBC 365 Card – 3%
  3. UOB Delight Card – 3% SMART$ rebates
  4. Citi M1 Platinum Visa Card – Up to 10% on M1

Petrol

  1. Maybank Family and Friends Card – 8%
  2. Citi Cash Back Card – 8%
  3. DBS Esso Card – Up to 23.6% at Esso
  4. OCBC 365 Card – Up to 23% at Caltex
  5. UOB One Card – Up to 24%

Health & Wellness stores

  1. CIMB Platinum MasterCard – 10%
  2. Maybank Family & Friends Card – 8% at Unity, Guardian and Watsons
  3. POSB Everyday Card – 3% at Watsons

Hospitals

  1. CIMB Platinum MasterCard – 10%
  2. BOC Family Card – 5%

Other health and wellness expenditure

  1. CIMB Platinum MasterCard – 10% for Doctors, Dentists, Optometrists, Opticians, Chiropractors, Cosmetic Stores (excluding department stores), Hairdressers, Massage Parlours, Health and Beauty Spas

Insurance payments

  1. HSBC Advance Card – 1.5%
  2. OCBC Great Eastern Cashflo Card – 1%
  3. Citi SMRT Card – 1% for Ace Insurance and Prudential
  4. UOB Delight Card – 3% SMART$ rebates for Prudential Insurance

Grab, Uber and taxi rides

  1. Citi Cash Back Card – 20% on Grab
  2. Standard Chartered cards – 20% on Uber
  3. BOC Sheng Siong Card – 5%
  4. BOC Family Card – 5% on Grab and Uber

Travel (Airlines, Hotels, Travel Agencies, Cruise Lines, Railways and Ferries)

  1. CIMB Platinum MasterCard – 10%

Other general spends

  1. American Express True Cashback Card – 1.5%
  2. Standard Chartered Unlimited Cashback Card – 1.5%
  3. UOB One Card – Up to 5%
  4. HSBC Advance Card – Up to 3.5%
  5. Maybank Platinum Visa Card – Up to 3.33%
  6. Standard Chartered Manhattan World MasterCard – Up to 3%

There we go! Cashback cards that we should be using to get the most out of our spending. Bookmark this page because we’ll be updating this regularly.

If you think we’ve missed out a great cashback card or don’t agree with something, let us know and we’ll look into it right away!

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