PrimeGuideSource is an independent comparison site. We may earn a commission when you click through.
Which Cashback Card Should You Choose This Spring?
Explore the top cashback cards that balance rewards, fees, and eligibility. Find the best fit for your spending habits and maximize your returns.
Quick Picks
Best overall: OCBC 365 Credit Card.
Best budget: DBS Live Fresh Card.
Best for dining: OCBC 365 Credit Card.
Low-Cost Cashback Contenders
Finding a card with low fees that still offers solid cashback can feel like searching for a needle in a haystack. Here are two cards that strike a great balance.
DBS Live Fresh Card
You'd pick the DBS Live Fresh Card if you want to avoid foreign transaction fees while earning up to 6% cashback on your spend. It's a great value for travelers who want to save without the extra charges.
DBS Live Fresh Card
CIMB Visa Signature Cashback Card
The draw here is the CIMB Visa Signature's 10% cashback on online shopping. But note, its real appeal diminishes if you rarely shop online, as the rewards are heavily skewed towards digital purchases.
CIMB Visa Signature Cashback Card
If online shopping isn't your primary expense, you might prefer a card that rewards everyday spending more evenly.
Rewarding Everyday Expenses
These cards offer significant cashback on everyday purchases, making them ideal for those who want returns on regular spending.
OCBC 365 Credit Card
What sets the OCBC 365 Credit Card apart is its 6% cashback on dining, which is unmatched in Singapore. Frequent diners will find this card particularly rewarding, especially when paired with its versatile earning structure on groceries and online purchases.
OCBC 365 Credit Card
Citi Cash Back Card
The Citi Cash Back Card works well when you're looking for a straightforward cashback structure across dining, groceries, and petrol. However, be mindful of its annual fee, which could offset some of your rewards if your spending is on the lower side.
Citi Cash Back Card
Choosing the right cashback card depends on your spending habits and lifestyle. If dining out is your priority, the OCBC 365 Credit Card is unbeatable. For those who travel frequently and make online purchases, DBS Live Fresh and CIMB Visa Signature offer distinct advantages. Always consider your typical expenses and calculate whether the annual fee is justified by the rewards you’ll earn. Remember, the best card for you is the one that aligns with your spending pattern and maximizes your cashback returns.