Excellent! ROSHI has found 29 Online Shopping cards for you.

Revolut Metal Debit Card

4.5Good to Excellent

S$19.99Monthly Subscription

Real-time FXat mid-market fees

150+Supported Currencies

  • 1% cashback in any supported currency on all your spending abroad
Apply Now

On Revolut's website

Card Features

  • Spend in over 150 currencies at interbank exchange rate
  • Unlimited exchange in 28 fiat currencies – no monthly limit
  • No fee on international ATM withdrawals, up to S$1,050 per month
  • Global medical and dental insurance
  • Baggage delay insurance
  • Loss or damaged items insurance
  • Free and instant P2P transfers to other Revolut users (in Singapore, as well as in Europe)
  • Premium Add ons : Premium card with three exclusive designs, Global express delivery of card, Priority customer service, Disposable virtual cards for online transactions that protect you against online card fraud, LougeKey Pass access and free lounge passes if flight is delayed by >1 hour
  • Send money domestically and internationally in 28 currencies

Annual Interest Rate and Fees

  • Anual Interest Rate0.00%

  • Principle Annual Fee$239.88

  • Supplementary Annual FeeN/A

  • Fee WaiverN/A

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

HSBC Revolution Credit Card

3.2Good to Excellent
PROMOSamsonite T5 68cm Spinner or SGD150 cashback + SGD20 Grab rides Valid till 31st Dec 2020

S$1= 5X Pointson Online, Dining and Entertainment

S$1= 1X Pointon All Other Spend

1 Point = 0.4 MilesRewards to Miles Conversion for Selected Airline Partners

  • 2 year annual fee waiver
Apply Now

On HSBC's website

Card Features

  • 5X Rewards points (or 2 air miles) per $1 spent on Online, Local Dining and Entertainment transactions
  • $1 = 1 Reward point. No minimum spend and earn as many Rewards points as you like
  • Access over 1,000 1-for-1 deals through ENTERTAINER with HSBC at just S$5

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$150

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay

Citi SMRT Card

3.8Good to Excellent

5%Cash Back at Selected Grocery Stores

S$600Cash Back Cap per year

S$300Min. Spend per month

  • 2 years fee waiver for Principal and two (2) Supplementary cards
Apply Now

On Citibank's website

Card Features

  • Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
  • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
  • Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$42,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Samsung Pay

UOB Lady’s Card

4.5Good to Excellent

S$5 = 10X UNI$on One Category

S$5 = 1X UNI$on All Other Spend

1 UNI$ = 2 MilesRewards to Miles Conversion

Apply Now

On UOB's website

Card Features

  • 10X UNI$ on your chosen rewards category
  • e-Commerce Protection on online purchases
  • UOB Lady’s LuxePay Plan: 6 or 12-month instalment plan with no interest or processing fees

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeS$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

UOB YOLO Credit Card

3.5Good to Excellent

Up to 8%on Online, Grab, Dining and Entertainment spend

Up to S$80Cash Back Cap per month

S$600Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 8% cash back on Online, Grab, Dining and Entertainment spend (3% weekday; 8% weekend)
  • Up to 28% off at ZALORA, Lazada and more
  • Up to 18% off at Expedia, Agoda and more
  • Free Travel Insurance Coverage when you charge your travel tickets to your card (Up to $500,000)
  • 0.3% cash back on all other spend
  • Minimum spend of S$600 per statement month for 8% and 3% cashback, otherwise 0.3% cashback earned on all spend.
  • Total cash back capped at S$80 per month, consisting of S$20 bonus cash back and S$60 base cash back

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Standard Chartered Rewards+ Credit Card

3.5Good to Excellent

S$1= 10X Pointson Foreign Currency Spend

S$1= 5X Pointson Local Dining Spend

1 Point = 0.29 MilesRewards to Miles Conversion

  • Up to S$80 cashback sign up gift
Apply Now

On Standard Chartered's website

Card Features

  • Annual Fees waived for the first two years
  • 10X Rewards Points per S$1 spent in foreign currency, including online spends
  • 5X Rewards Points per S$1 spent in Singapore Dollars for local dining transactions
  • 1X Rewards Points per S$1 on all other spends
  • Rewards Points capped at 20,000 points per year
  • Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeN/A

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationVisa

  • Wireless Payment Visa payWave, Apple Pay, Samsung Pay, Google Pay

Revolut Standard Debit Card

4.5Good to Excellent

S$0Monthly Subscription

Real-time FXat mid-market fees

150+Supported Currencies

Apply Now

On Revolut's website

Card Features

  • Spend in over 150 currencies at interbank exchange rate
  • Unlimited exchange in 28 fiat currencies – up to S$9000 per month
  • No fee on international ATM withdrawals, up to S$350 per month
  • Send money domestically and internationally in 28 currencies

Annual Interest Rate and Fees

  • Anual Interest Rate0.00%

  • Supplementary Annual FeeN/A

  • Fee WaiverN/A

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

Standard Chartered Spree Credit Card

4.3Good to Excellent

3%Cash Back on Online Spends in Foreign Currency

S$60Cash Back Cap per month

S$0Min. Spend per month

  • New-To-Bank customers: Get up to S$100 Cashback
Apply Now

On Standard Chartered's website

Card Features

  • New-To-Bank customers: Get up to S$100 Cashback when you apply for SCB Rewards
  • Existing customers: Get up to S$20 Cashback when you apply for SCB Rewards
  • No minimum spend and up to S$60 cashback/month
  • 3% cashback on all online spends in foreign currency and vPost spends
  • 2% cashback on all online spends in local currency, contactless and mobile payments
  • 1% cashback on all other retail transactions

Annual Interest Rate and Fees

  • Anual Interest Rate26.88%

  • Principle Annual Fee$193

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

Revolut Premium Debit Card

4.5Good to Excellent

S$9.99Monthly Subscription

Real-time FXat mid-market fees

150+Supported Currencies

Apply Now

On Revolut's website

Card Features

  • Spend in over 150 currencies at interbank exchange rate
  • Unlimited exchange in 28 fiat currencies – no monthly limit
  • No fee on international ATM withdrawals, up to S$700 per month
  • Global medical and dental insurance
  • Baggage delay insurance
  • Loss or damaged items insurance
  • Free and instant P2P transfers to other Revolut users (in Singapore, as well as in Europe)
  • Premium Add ons : Premium card with three exclusive designs, Global express delivery of card, Priority customer service, Disposable virtual cards for online transactions that protect you against online card fraud, LougeKey Pass access and free lounge passes if flight is delayed by >1 hour
  • Send money domestically and internationally in 28 currencies

Annual Interest Rate and Fees

  • Anual Interest Rate0.00%

  • Principle Annual Fee$118.8

  • Supplementary Annual FeeN/A

  • Fee WaiverN/A

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

OCBC Plus! Visa Credit Card

4.2Good to Excellent

7%Cash Back at FairPrice Stores, Unity and Warehouse Club

0.22%LinkPoints on All Visa Spend outside FairPrice group

S$500Min. Spend per month

Apply Now

On OCBC's website

Card Features

  • Enjoy 7% rebates at FairPrice Store, Unity and Warehouse Club and 3% rebate at Fairprice Online
  • Up to 20.6% fuel savings at Esso and 18% fuel savings at Caltex
  • Enjoy 3% rebates at Popular and Cheers
  • First year annual fee waived. Second year annual fee waived when you spend at least S$2,500 per annum.

Annual Interest Rate and Fees

  • Anual Interest Rate26.76%

  • Principle Annual Fee$107

  • Supplementary Annual FeeComplimentary, up to 3 supplementary cards

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period23 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

  • Online Shopping Basics

  • Tips and Hints

  • FAQs

  • Ask Away

How Do I Use an Online Shopping Credit Card?

Banks offer certain rewards that come with an online shopping credit card. Each offer is different and will provide you with varying rewards at specified shopping sites. If you have a particular online store that you like shopping at, look for a credit card that offers rewards for shopping there.

How Exactly Does an Online Shopping Credit Card Work?

These credit cards provide you the means to safely and easily make purchases online while also providing you with certain rewards for doing so. That being said, make sure to only shop on legitimate sites. If you are unsure about a website, look for security features, such as 2-factor authentication via your mobile phone or ‘visa verification’.

Best Online Shopping Credit Cards in Singapore (2020)

Credit Card NameEarn RateReward Category
DBS Woman’s World CardS$1 = 4 milesAll online spendingApply Now
OCBC Titanium CardS$1 = 4 milesMajor online shopping websites Apply Now
Citibank Rewards CardS$1 = 4 milesOnline shopping (excluding travel)Apply Now
UOB Preferred Platinum CardS$1 = 4 milesOnline shopping (excluding travel)Apply Now
Citibank Lazada CardS$1 = 4 milesLazada Apply Now
Krisflyer UOB CardS$1 = 3 milesAll online spending (no cap)Apply Now
DBS Live Fresh Card5% cashbackAll online spendingApply Now
Citibank SMRT Card3% cashbackOnline shopping (excluding travel)Apply Now
Unlimited Cashback Card
(Standard Chartered Bank)
1.5% cashbackAll spending (no cap)Apply Now
HSBC Revolution CardS$1 = 2 milesOnline spending (no cap)Apply Now

What are Online Shopping Rewards?

Every online shopping credit card comes with certain rewards. The card will require you to reach a minimum spend with specific online merchants, then grant you a specified number of reward points. Make sure you choose a card that fits under your favourite online shopping sites.

Miles vs Rewards vs Cashback Cards

Each of these three options has an advantage for certain types of people. If you are a regular traveller, miles are likely the best for you. If you prefer to save up your points and get something big after some time, rewards would be your choice. Finally, if you prefer to get a little bit of money back each month, cashback is the perfect option. Each reward system is beneficial for certain people. Choose whichever one works best for you!

How Do Online Shopping Promotions Work?

Promotions are added on top of the rewards that you are already getting. If you have a rewards online shopping credit card and buy something under a promotion, you will gain both the rewards and the promotion. This allows you the chance at two separate rewards from a single purchase.

Make Sure to Choose the Perfect Card for You

Remember we said everyone has their own perfect card? You must ensure that you’ve found it before picking. Every card is different, but your needs are set. Determine what benefits and spending levels are ideal for your situation. When you find a card that fits yours, you’ve found your perfect card!

Utilize Double Cashback

There are both cashback credit cards and cashback shopping platforms. Should you choose a cashback credit card for your online shopping, then buy a product on a cashback site, your cashback benefits will stack. You will gain both of them at once.

Keep Up to Date With Your Bank

Banks are always coming up with new and improved offers and benefits. Make sure you keep track of what these are at all times so that you will know right away if a better offer than yours turns up. Keep an extra close eye during seasonal events, such as Christmas or Easter.

What Rewards Can I Expect from Shopping Online with a Credit Card?

Every card has a different type of rewards system. You should learn the benefits that come with your card before choosing it. Some offer instant rewards for a minimum spend while others offer long-term rewards, and more. Take note that many credit cards also have a rewards cap that limits what you can gain from overspending.

Will I Lose My Rewards If I Return My Online Purchase?

The majority of credit cards make it clear that you will not earn rewards from returned or refunded purchases. Anything from an exchanged item to a cancelled transaction makes you ineligible for rewards

Are My Online Shopping Credit Card Offers Limited to Certain Online Merchants?

For the most part, your online shopping credit card should work with any online purchasing platform. Bear in mind that overseas platforms may charge a small conversion fee on top of the actual price of the product.

You will need to provide your credit card number, expiry date, name on card, and cvc code found on the back of your card. Without this information, you will not be able to complete online purchases.

Where Will I Find the Best Online Shopping Credit Card?

There is no one best card. It depends on where, how often, and when you tend to spend your money through a credit card. A card with a low minimum is best for those who spend a little at a time while a card with a higher minimum may be better for someone who spends more frequently. The reward cap is also a large factor to consider.

Is It Cheaper to Shop Online or In-Person?

On the one hand, many merchants offer promotions that are only applicable to online shoppers. On top of that, online shopping is much more convenient.

That being said, you do need to take shipping into account. Sometimes, the promotion takes care of the shipping, causing you to save money. At other times, the shipping may end up causing you to spend a bit more than buying the product in stores.

Another factor to consider is being able to physically check the product you intend to purchase. You can’t do this over online shopping. However, most sellers offer money back guarantees and/or free servicing.

What Type of Online Shopping Credit Card is Best for Personal Care and Cosmetics?

Look for online shopping credit cards that offer promotions for the category you are interest in. Look into the type of rewards, such as miles, cashback, etc. You will also want to check for things like annual fee waivers, flat-rate rebate systems, and so on.

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