Updated September 29, 2022
Excellent! ROSHI has found 30 Online Shopping cards for you.
UOB EVOL Card
8%Cash Back on Mobile Contactless spend
8%Cash Back on Online spend
0.3%Cash Back on other spend
On UOB's website
Card Features
Annual Interest Rate and Fees
Anual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee Waiver1 year fee waiver
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days
Minimum Income Requirements
Singaporean$30,000.00
Foreigner$80,000.00
Other
Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
Revolut Metal Debit Card
S$19.99Monthly Subscription
Real-time FXat mid-market fees
150+Supported Currencies
On Revolut's website
Card Features
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
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
On HSBC's website
Card Features
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
5%Cash Back at Selected Grocery Stores
S$600Cash Back Cap per year
S$300Min. Spend per month
On Citibank's website
Card Features
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
S$5 = 10X UNI$on One Category
S$5 = 1X UNI$on All Other Spend
1 UNI$ = 2 MilesRewards to Miles Conversion
On UOB's website
Card Features
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
Up to 8%on Online, Grab, Dining and Entertainment spend
Up to S$80Cash Back Cap per month
S$600Min. Spend per month
On UOB's website
Card Features
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
S$1= 10X Pointson Foreign Currency Spend
S$1= 5X Pointson Local Dining Spend
1 Point = 0.29 MilesRewards to Miles Conversion
On Standard Chartered's website
Card Features
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
S$0Monthly Subscription
Real-time FXat mid-market fees
150+Supported Currencies
On Revolut's website
Card Features
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
3%Cash Back on Online Spends in Foreign Currency
S$60Cash Back Cap per month
S$0Min. Spend per month
On Standard Chartered's website
Card Features
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
S$9.99Monthly Subscription
Real-time FXat mid-market fees
150+Supported Currencies
On Revolut's website
Card Features
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
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.
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’.
| Credit Card Name | Earn Rate | Reward Category | |
|---|---|---|---|
| DBS Woman’s World Card | S$1 = 4 miles | All online spending | |
| OCBC Titanium Card | S$1 = 4 miles | Major online shopping websites | |
| Citibank Rewards Card | S$1 = 4 miles | Online shopping (excluding travel) | |
| UOB Preferred Platinum Card | S$1 = 4 miles | Online shopping (excluding travel) | |
| Citibank Lazada Card | S$1 = 4 miles | Lazada | |
| Krisflyer UOB Card | S$1 = 3 miles | All online spending (no cap) | |
| DBS Live Fresh Card | 5% cashback | All online spending | |
| Citibank SMRT Card | 3% cashback | Online shopping (excluding travel) | |
| Unlimited Cashback Card (Standard Chartered Bank) | 1.5% cashback | All spending (no cap) | |
| HSBC Revolution Card | S$1 = 2 miles | Online spending (no cap) |
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.
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!
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.
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!
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.
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.
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.
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
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.
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.
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.
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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