Cashback

: Provides 1.6% unlimited cashback with no expiry.

: Targets digital-first spenders with 10% cashback on online and mobile contactless payments. OCBC 365 Credit Card | Get Cashback on Everyday Spending cashback

: Offers one of the highest flat rates at 1.7% and famously includes typically excluded categories like insurance and school fees. : Provides 1

Credit cards in Singapore generally follow one of two main earning models: cashback

: These cards offer much higher rates—often 5% to 10% —but only for specific categories like dining, groceries, or petrol.

: Provides 1.6% unlimited cashback with no expiry.

: Targets digital-first spenders with 10% cashback on online and mobile contactless payments. OCBC 365 Credit Card | Get Cashback on Everyday Spending

: Offers one of the highest flat rates at 1.7% and famously includes typically excluded categories like insurance and school fees.

Credit cards in Singapore generally follow one of two main earning models:

: These cards offer much higher rates—often 5% to 10% —but only for specific categories like dining, groceries, or petrol.