Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Singapore in 2026? We hold verified data on 21 credit cards in Singapore and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Singapore. It is the set Buzdy has verified data for, from 3 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Singapore
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. DBS Multiplier Card | DBS Bank | No annual fee | 1.6% per year | Cashback, Rewards points, Dining offers, Digital wallet | View → |
| 2. MANCHESTER UNITED PLATINUM | Maybank Singapore | Not published | 27.96% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 3. Lady’s Solitaire Metal Card | UOB Singapore | Not published | 26.88% per month | Rewards points, Travel benefits, Dining offers, Digital wallet | View → |
| 4. DBS Visa Debit Card | DBS Bank | No annual fee | Not published | Cashback, Rewards points, Digital wallet, Shopping offers | View → |
| 5. DUO PLATINUM MASTERCARD | Maybank Singapore | Not published | 27.96% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 6. UOB EVOL Card | UOB Singapore | Not published | 26.88% per month | Cashback, Rewards points, Travel benefits, Digital wallet | View → |
| 7. DBS Altitude Visa Signature | DBS Bank | SGD 192.60 | 1.6% per year | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 8. FC BARCELONA VISA SIGNATURE | Maybank Singapore | SGD 120 | 27.96% per month | Cashback, Rewards points, Travel benefits, Dining offers | View → |
| 9. UOB Lady’s Card | UOB Singapore | Not published | 26.88% per month | Rewards points, Travel benefits, Dining offers, Digital wallet | View → |
| 10. DBS Live Fresh Card | DBS Bank | SGD 194.40 | 1.6% per year | Cashback, Rewards points, Dining offers, Digital wallet | View → |
| 11. MAYBANK VISA INFINITE CARD | Maybank Singapore | Not published | 27.96% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 12. UOB Lady’s Solitaire Card | UOB Singapore | Not published | 26.88% per month | Rewards points, Travel benefits, Dining offers, Digital wallet | View → |
| 13. DBS Womans World Card | DBS Bank | SGD 194.40 | 1.6% per year | Rewards points, Travel benefits, Dining offers, Digital wallet | View → |
| 14. WORLD MASTERCARD | Maybank Singapore | Not published | 27.96% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 15. UOB Absolute Cashback Card | UOB Singapore | Not published | 26.88% per month | Cashback, Travel benefits, Dining offers, Digital wallet | View → |
The 15 Credit Cards in Detail
1. DBS Multiplier Card
Bank: DBS Bank
- Annual fee: No annual fee
- Interest rate: 1.6% per year
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Dining offers, Digital wallet, Shopping offers
The DBS Multiplier Card works with the DBS Multiplier Account to earn higher interest rates of up to 3.5% p.a. on savings. The more you transact across eligible categories like salary, credit card spend, investments and insurance, the higher your interest. No annual fee and minimum income of S$30,000.
2. MANCHESTER UNITED PLATINUM
Bank: Maybank Singapore
- Annual fee: Not published
- Interest rate: 27.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Enjoy 1% unlimited Cashback and TREATS Points on every dollar of spend, amazing discounts with Manchester United online and retail stores.
3. Lady’s Solitaire Metal Card
Bank: UOB Singapore
- Annual fee: Not published
- Interest rate: 26.88% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
With UOB Lady’s Card, you are free to make the choices that matter. Choose the reward category(ies) that earns you the most.
4. DBS Visa Debit Card
Bank: DBS Bank
- Annual fee: No annual fee
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Digital wallet, Shopping offers
The DBS Visa Debit Card is a versatile everyday card linked directly to your DBS savings account. It offers up to 3% cashback on contactless and online transactions with no annual fee. Ideal for those who prefer spending within their means without credit.
5. DUO PLATINUM MASTERCARD
Bank: Maybank Singapore
- Annual fee: Not published
- Interest rate: 27.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Entertainment, Hotel offers, Supplementary cards
The must-have card for those who drive. Enjoy rebates on petrol and transactions in foreign currency and automobile related privileges through DUO Rewards, a varied reward programme by Tan Chong International Limited.
6. UOB EVOL Card
Bank: UOB Singapore
- Annual fee: Not published
- Interest rate: 26.88% per month
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Travel benefits, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Own every evolution with 8% cashback on online and mobile spend. Love a sustainable future? Take your carbon footprint to zero with SouthEast Asia’s first bio-sourced card!
7. DBS Altitude Visa Signature
Bank: DBS Bank
- Annual fee: SGD 192.60 (S$192.60 (1st year waived))
- Interest rate: 1.6% per year
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
The DBS Altitude Visa Signature Card is designed for frequent travellers, offering up to 3 DBS Points per S$1 spent on online travel bookings and overseas spending. Points can be converted to miles across major airline programs including KrisFlyer, Asia Miles, and more. Annual fee is S$192.60 with first year waiver.
8. FC BARCELONA VISA SIGNATURE
Bank: Maybank Singapore
- Annual fee: SGD 120 (S$120)
- Interest rate: 27.96% per month
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
There are simply no limits when you can enjoy 1.6% unlimited Cashback and also have a chance to catch FC Barcelona LIVE in Camp Nou every football season.
9. UOB Lady’s Card
Bank: UOB Singapore
- Annual fee: Not published
- Interest rate: 26.88% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
With UOB Lady’s Card, you are free to make the choices that matter. Choose the reward category(ies) that earns you the most.
10. DBS Live Fresh Card
Bank: DBS Bank
- Annual fee: SGD 194.40 (S$194.40 (1st year waived))
- Interest rate: 1.6% per year
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
The DBS Live Fresh Card offers 5% cashback on online and contactless spending, making it ideal for young professionals and digital-first consumers in Singapore. Minimum income requirement is S$30,000 per annum with no annual fee for the first year.
11. MAYBANK VISA INFINITE CARD
Bank: Maybank Singapore
- Annual fee: Not published
- Interest rate: 27.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Enjoy VIP immigration clearance at JetQuay, complimentary golf sessions, chauffeured limousines, and more - a world of exceptional privileges awaits.
12. UOB Lady’s Solitaire Card
Bank: UOB Singapore
- Annual fee: Not published
- Interest rate: 26.88% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
With UOB Lady’s Card, you are free to make the choices that matter. Choose the reward category(ies) that earns you the most.
13. DBS Womans World Card
Bank: DBS Bank
- Annual fee: SGD 194.40 (S$194.40 (1st year waived))
- Interest rate: 1.6% per year
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
The DBS Woman's World Card rewards online shopping with 10x DBS Points per S$1 spent, equivalent to 4 miles per dollar. It is one of the highest earning cards in Singapore for online purchases. Annual fee is S$194.40 with first year waiver and minimum income of S$30,000.
14. WORLD MASTERCARD
Bank: Maybank Singapore
- Annual fee: Not published
- Interest rate: 27.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Travel in style, golf for free, and earn air miles 10X faster when you spend with this 3-time winner of Best Golf Card, the best miles-earning card for avid golfers.
15. UOB Absolute Cashback Card
Bank: UOB Singapore
- Annual fee: Not published
- Interest rate: 26.88% per month
- Minimum income: Not published
- Verified benefits: Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards
Limitless cashback that's absolutely simple. Highest limitless cashback^ rate in Singapore at 1.7%. No minimum spend. No spend exclusions.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Singapore
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Monetary Authority of Singapore (MAS) public register before you apply
Frequently Asked Questions: Credit cards in Singapore
What is the best credit card in Singapore for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Singapore?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Singapore?
Yes, most major banks in Singapore now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Singapore is supervised by Monetary Authority of Singapore (MAS). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
What annual fee do credit cards in Singapore charge?
Of the 21 credit cards Buzdy lists for Singapore, 4 publish an annual fee amount, from SGD 120 to SGD 194.40 with a median of SGD 193.50. 2 are published as free and 15 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact schedule.
Can I get a credit card if I am self-employed in Singapore?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Singapore
- All banks in Singapore
- Bank branches across Singapore
- Credit Cards In Singapore 2026
- Personal Loans In Singapore 2026
- Savings Accounts In Singapore 2026
- Singapore EMI calculator
- Singapore savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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