- 2x Online shopping
- 0.4x Everything else
- Annual fee
- S$163.50
- Purchase APR
- 27.8% p.a.
Verified 4 Oct 2026
Compare credit cards by what you actually spend
One catalog, every market we cover. Filter by country, card type, issuer and network, then upload a statement and let your own spending pick the card instead of a generic ranking.
104 cards in Singapore
Showing 25–48
- 0.50% Everything else
- Annual fee
- S$163.50
- Purchase APR
- 27.78% p.a.
- Welcome offer
- S$300 cashback for new OCBC cardmembers who apply through OCBC and spend S$800 in the first 60 days (offer ends 31 December 2026)
Verified 4 Oct 2026
- 0.4x Everything else
- Annual fee
- S$163.50
- Purchase APR
- 27.78% p.a.
Verified 4 Oct 2026
- 1.50% Everything else
- Annual fee
- S$174.40
- Welcome offer
- 3% cashback (up to S$150) on spend in the first 6 months for new cardmembers
Verified 4 Oct 2026
The American Express® Singapore Airlines KrisFlyer Credit Card
American Express · AMEX
No ratings yetNot yet rated
- 1.1x Everything else
- Annual fee
- S$179.85
- Purchase APR
- 27.8% p.a.
- Welcome offer
- Up to 16,000 bonus KrisFlyer miles for new American Express cardmembers who spend S$2,000 in the first 3 months (offer ends 31 January 2027)
Verified 4 Oct 2026
- 0.22% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.9% p.a.
- Welcome offer
- A Samsonite FLUIO Spinner 68/25 EXP (worth S$530) for new-to-Maybank cardholders who spend S$1,300 in the first two months (offer ends 31 October 2026)
Verified 4 Oct 2026
- 1.70% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
- Welcome offer
- A Samsonite EVOA Z Spinner 25-inch Expandable (worth S$600) for new-to-UOB cardmembers who spend S$1,000 a month for 2 months (offer ends 31 October 2026)
Verified 4 Oct 2026
- up to 2.4x Dining & restaurants
- up to 2.4x Online shopping
- up to 2.4x Transport & transit
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- 2% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
Verified 4 Oct 2026
- up to 5% Dining & restaurants
- up to 5% Entertainment
- up to 5% Transport & transit
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
- Welcome offer
- Apple AirPods 4 for new-to-UOB cardmembers who spend S$100 a month at Lazada for 3 months (offer ends 31 October 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- up to 1.75% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 29% p.a.
- Welcome offer
- S$108 of Grab vouchers for rides, food and groceries paid with the card, for the first 30,000 cardholders (offer ends 31 October 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- 0.4x Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
Verified 4 Oct 2026
- 3.33% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
Verified 4 Oct 2026
- up to 8% Dining & restaurants
- up to 8% Shopping
- up to 8% Entertainment
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
- Welcome offer
- A Samsonite VOYA Spinner 68cm Exp (worth S$680) or S$200 cashback for S$500 spent, and S$100 more for another S$500, for new HSBC cardholders who give marketing consent and spend by the end of the month after the card opens; existing cardholders get S$50 (offer ends 31 December 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- 5% Streaming & subscriptions
- 0.30% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
Verified 4 Oct 2026
- up to 10% Transport & transit
- up to 5% Dining & restaurants
- 0.30% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
- Welcome offer
- A Samsonite MINTER 80/30 Trunk Luggage (worth S$680) or S$288 cashback for new DBS/POSB credit cardholders who use the promo code, spend S$800 in the first 60 days and have a PayLah! account; existing cardholders get S$50 cashback (offer ends 31 October 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- up to 6% Gas & fuel
- up to 5% Dining & restaurants
- up to 3% Groceries
- Annual fee
- S$196.20
- Purchase APR
- 27.78% p.a.
- Welcome offer
- S$300 cashback for new OCBC cardmembers who apply through OCBC and spend S$800 in the first 60 days (offer ends 31 December 2026)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- 1.2x Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.9% p.a.
- Welcome offer
- Up to 30,000 bonus Citi Miles and a S$100 Trip.com gift card for new Citi cardmembers who apply online and spend S$800 in the first 2 months
Verified 4 Oct 2026
- up to 8% Transport & transit
- up to 8% Gas & fuel
- up to 6% Dining & restaurants
- Annual fee
- S$196.20
- Purchase APR
- 27.9% p.a.
- Welcome offer
- S$300 cash back for new Citi cardmembers who apply online and spend S$800 in the first 2 months (offer ends 31 March 2027)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- up to 4.70% Entertainment
- Annual fee
- S$196.20
- Purchase APR
- 27.9% p.a.
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- up to 8% Online shopping
- Annual fee
- S$196.20
- Purchase APR
- 27.78% p.a.
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
- up to 5% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
Standard Chartered Simply Cash Credit Card
Standard Chartered Singapore · MASTERCARD
No ratings yetNot yet rated
- 1.50% Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.9% p.a.
- Welcome offer
- Up to 3 NVIDIA shares for new SC cardholders who spend S$1,000 in 30 days, put S$20,000 of fresh funds in a new Bonus$aver account (3 shares at S$50,000) and open an SC Online Trading account (offer ends 1 February 2027)
Verified 4 Oct 2026
Standard Chartered Journey Credit Card
Standard Chartered Singapore · VISA
No ratings yetNot yet rated
- up to 3x Transport & transit
- 1.2x Everything else
- Annual fee
- S$196.20
- Purchase APR
- 27.9% p.a.
- Welcome offer
- Up to 3 NVIDIA shares for new SC cardholders who spend S$1,000 in 30 days, put S$20,000 of fresh funds in a new Bonus$aver account (3 shares at S$50,000) and open an SC Online Trading account (offer ends 1 February 2027)
Rates shown as “up to” are the issuer's advertised maximum, not a guaranteed rate.
Verified 4 Oct 2026
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Common questions about comparing cards
How do I choose a credit card?
Choose a credit card by matching its highest reward rates to the categories you already spend most in, then subtracting the annual fee from the rewards you would realistically earn. A card paying 5% on dining is worth less than a flat 2% card if dining is a small share of your spending.
Can I compare credit cards from different countries?
Yes. Woodo keeps a separate catalog per country because credit cards are licensed and priced per market, so a card available in Singapore cannot be opened from the United States. Select a country to see the cards actually issued there.
Does comparing credit cards affect my credit score?
Comparing credit cards does not affect your credit score. Only submitting an application triggers a hard inquiry, and browsing or filtering a comparison page does not.
How does Woodo rank credit cards?
Woodo ranks credit cards by annual fee and reward coverage. No issuer can pay to move a card up the list. Most comparison sites work the other way: Bankrate and WalletHub both disclose that advertiser compensation affects the order in which cards appear in their listings.
Do credit card comparison sites get paid to rank cards higher?
Many do. Bankrate discloses that its compensation may impact the order in which products appear within listing categories, and WalletHub discloses that advertising affects the order and prevalence of offers. Woodo separates the two: the ranked list is ordered by stated consumer criteria only, and any paid placement appears in a slot labelled as sponsored, outside that list.
How current is the card data?
Every card shows the date its details were last verified against the issuer or network source. Cards whose data passes the staleness threshold stop displaying rates and fees rather than showing an outdated number.
Woodo currently tracks 1527 cards. Each is re-verified against its issuer or network source on a monthly schedule.