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Rewards Credit Cards

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How to hack a rewards credit card for more savings: earn lots of points through spending and exchange them for wicked bargains. But not all reward schemes are worth your time. Hunt for one that offers perks you actually care for, whether retail, dining, or travel.

American Express Platinum Credit Card

American Express Platinum Credit Card

APPLY TODAY TO GET:

FINTY REWARDS
  • $50 cash upon getting your card, even for existing Amex cardholders
BANK PROMO
  • Samsonite Sigma 76cm Expandable Spinner Luggage worth $600
  • 2D1N stay at Swissôtel The Stamford Singapore worth $529
Finty Rewards $Finty Rewards $50
Amex hotel luggage icon
  • Earn up to 10 points per $1.60 spend at partner merchants across major brands, retail outlets and restaurants
  • All other purchases still earn you 2 points per $1.60 spend
  • Points won’t expire on you
  • Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
  • Dining, nightlife, golf, and travel privileges like a boss 
  • Earn up to 10 points per $1.60 spend at partner merchants across major brands, retail outlets and restaurants
  • All other purchases still earn you 2 points per $1.60 spend
  • Points won’t expire on you
  • Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
  • Dining, nightlife, golf, and travel privileges like a boss
  • Earn up to 10 points per $1.60 spend at partner merchants like TungLok, Peony Jade, Brussels Sprouts and more
  • Exclusive dining privileges all around the world, 1-for-1 deals and amazing discounts
  • Up to 50% off at a hand-picked list of prime restaurants like Angelina, Dancing Crab, Lawry's The Prime Rib, The Marmalade Pantry, Senso Ristorante & Bar, and TWG Tea
  • Up to 50% off at top hotel dining destinations like Conrad, Four Seasons, Marriott, St Regis, and W Singapore 
  • 15% SPC petrol discount (10% SPC&U card and 5% Amex card)
  • Earn up to 10 points per $1.60 spend at partner merchants like Hour Glass, Montblanc, Lee Hwa Jewellery and more
  • All other purchases still earn you 2 points per $1.60 spend
  • Points won’t expire on you
  • Redeem points as miles or over 200 fabulous rewards in fine dining, fashion, or electronics
  • Plus up to 20% discount across major brands & retail outlets
  • Min annual income of $50,000 for citizens/PRs or $60,000 for foreigners
  • Annual fee is $321 for principal card but supplementary card is free

BANK PROMO

  • Receive 1 Night Stay at Swissôtel The Stamford Singapore worth $529 upon annual fee payment
  • To get additional Samsonite Sigma 76cm Expandable Spinner worth S$600, spend $4,500 within the 1st 3 months

Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

APPLY TODAY TO GET:

FINTY REWARDS
  • $30 cash upon getting your card, even for existing SC cardholders
BANK PROMO
  • $100 cashback, or $150 Amazon Prime Now credits, no min spend ($20 cashback for existing SC cardholders)
  • Up to $100 cashback when you spend
  • T&Cs, see THE CATCH below
Finty Rewards $Finty Rewards $30
Cashback icon
  • Earn up to 10 points per $1 spend in foreign currency on overseas retail, dining and travel transactions
  • Up to 5 points for every $1 spend on dining transactions, and 1 point for every $1 spend on all eligible spend
  • No min spend and enough points can get you cash, miles, items, or vouchers for dining, shopping, or travel
  • Additional 15% cashback on Grab rides, 10% cashback on Amazon Prime Now app, with free Prime Now membership 
  • Exclusive privileges, 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes, 50% off à la carte dining at The Fullerton Hotel and The Fullerton Bay Hotel Singapore
  • Earn up to 10 points per $1 spend in foreign currency on overseas retail, dining and travel transactions
  • Up to 5 points for every $1 spend on dining transactions, and 1 point for every $1 spend on all eligible spend
  • Yeah to no min spend
  • Enough points can get you cash, miles, items, or vouchers for dining, shopping, or travel
  • Up to 19.78% Caltex petrol discount (16% instant discount and 4.5% Standard Chartered rebate after)
  • Min annual income of $30,000 for citizens/PRs or $60,000 for foreigners
  • Principal card is free the 1st 2 years but costs $192.60 per year after, supplementary card is free
  • Cap of 20,000 point per year on the additional points awarded
  • Points are not eligible for banking fees, charges and services, tax and insurance payments, or top-up of prepaid cards and accounts
  • Points last only 3 years
  • Earn max $30 cashback from Grab with min $900 retail spend each month
  • Earn max $10 cashback from Amazon each month (details on terms & conditions)

BANK PROMO

  • $100 cashback, or $150 Amazon Prime Now credits is only applicable to new Standard Chartered cardholders who apply online and activate the card within 30 days, existing ones get $20 cashback instead (details on terms & conditions)
  • Get up to $100 cashback for new cardholders and up to $50 cashback for existing cardholders, cashback amount is based on 5% bonus cashback on spend in the 1st 30 days, with a min spend of $500 (details on terms & conditions)

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

APPLY TODAY TO GET:

FINTY REWARDS
  • $10 cash upon getting your card, even for existing HSBC cardholders
BANK PROMO
  • Samsonite Astra 55cm luggage worth $350 or $100 cashback ($50 cashback for existing HSBC cardholders)
Finty Rewards $Finty Rewards $10
HSBC bank promo icon
  • 5% rebate local grocers and on your recurring TV, internet, and mobile bills
  • Save 20.2% at Caltex and 18.30% at Shell on petrol
  • 2% rebate at local restaurants
  • Earn 1 point per $1 spend for rewards on top of cash rebate
  • That 5% rebate on your recurring TV, internet, and mobile bills means regular savings from your smartphone addiction
  • 5% rebate at local grocers
  • Save 20.2% at Caltex and 18.30% at Shell on petrol
  • 2% rebate at local restaurants
  • Cash rebate is auto credited to you
  • Earn 1 point per $1 spend on top of cash rebate
  • Enough points can get you cash, items, or vouchers for dining, shopping, and travel
  • 2% rebate at local restaurants
  • Earn 1 point per $1 spend on top of cash rebate
  • Enough points can get you cash, items, or vouchers for dining, shopping, and travel
  • 20.2% Caltex petrol discount (5% at site, 9% with HSBC card, 2% with outdoor fuel payment, and 5% rebate)
  • 18.3% Shell petrol discount (5% at site, 5% with Shell Escape card, 4% with HSBC card, and 5% rebate)
  • 5% rebate at local supermarkets
  • Earn 1 point per $1 spend on top of cash rebate
  • Enough points can get you cash, items, or vouchers for dining, shopping, and travel
  • Min annual income of $30,000 for citizens/PRs but $40,000 if you’re self-employed or commission-based, and $40,000 for foreigners
  • Principal card is free the 1st 2 years but costs $192.60 per year after, supplementary card is free
  • If you spend less than $800 but at least $400, get a reduced rate of 3% rebate on groceries and petrol and 1% rebate on dining

BANK PROMO

  • Samsonite Astra luggage or $100 cashback is only applicable to new HSBC cardholders, existing ones get $50 cashback, and spend min $600 in the 1st month

Standard Chartered Prudential Platinum Credit Card

Standard Chartered Prudential Platinum Credit Card

APPLY TODAY TO GET:

FINTY REWARDS
  • $30 cash upon getting your card, even for existing SC cardholders
BANK PROMO
  • $100 cashback, or $150 Amazon Prime Now credits, no min spend ($20 cashback for existing SC cardholders)
  • Up to $100 cashback when you spend
  • T&Cs, see THE CATCH below
Finty Rewards $Finty Rewards $30
Cashback icon
  • 15% cashback on Grab rides, 10% cashback on Amazon Prime Now app, with free Prime Now membership 
  • Earn 1 point per $1 spend, enough points can get you cash, items, or vouchers for dining, shopping, or travel
  • Even convert points to offset Prudential insurance premium payments ($1.20 for every 300 points)
  • 24/7 concierge to help you with travel arrangements, reservations, shopping and gift services
  • 1-for-1 Dining offers at participating restaurants with The Good Life
  • Earn 1 point per $1 spend
  • Enough points can get you cash, miles, items, or vouchers for dining, shopping, or travel
  • Even convert points to offset Prudential insurance premium payments ($1.20 for every 300 points) 
  • Up to 19.78% Caltex petrol discount (16% instant discount and 4.5% Standard Chartered rebate after)
  • Min annual income of $30,000 for citizens/PRs or $60,000 for foreigners
  • Principal card is free the 1st 2 years but costs $192.60 per year after, supplementary card is free
  • Points last only 3 years
  • Earn max $30 cashback from Grab with min $900 retail spend each month
  • Earn max $10 cashback from Amazon each month (details on terms & conditions)

BANK PROMO

  • $100 cashback, or $150 Amazon Prime Now credits is only applicable to new Standard Chartered cardholders who apply online and activate the card within 30 days, existing ones get $20 cashback instead (details on terms & conditions)
  • Get up to $100 cashback for new cardholders and up to $50 cashback for existing cardholders, cashback amount is based on 5% bonus cashback on spend in the 1st 30 days, with a min spend of $500 (details on terms & conditions)

American Express CapitaCard Credit Card

American Express CapitaCard Credit Card

APPLY TODAY TO GET:

FINTY REWARDS
  • $50 cash upon getting your card, even for existing Amex cardholders
BANK PROMO
  • $60 CapitaVoucher
  • American Tourister Erie 67/24 Luggage worth $200
Finty Rewards $Finty Rewards $50
Luggage voucher icon
  • Earn 30 points per $1 spend at CapitaLand malls, additional 50 points per $1 spend at over 65 participating outlets 
  • All other purchases still earn you 5 points per $1 spend
  • Redeem 5,000 points as $5 vouchers for CapitaLand malls
  • Free parking for a neat 3 hours at 15 CapitaLand malls
  • Checking in way too often at CapitaLand malls? Earn 30 points per $1 spend there, additional 50 points per $1 spend at over 65 participating outlets 
  • All other purchases still earn you 5 points per $1 spend
  • Redeem 5,000 points as $5 vouchers for CapitaLand malls
  • Points are auto credited to your CAPITASTAR account as STAR$, vouchers are redeemed as CapitaVouchers
  • 15% SPC petrol discount (10% SPC&U card and 5% Amex card)
  • Earn 30 points per $1 spend at CapitaLand malls, additional 50 points per $1 spend at over 65 participating outlets 
  • All other purchases still earn you 5 points per $1 spend
  • Redeem 5,000 points as $5 vouchers for CapitaLand malls
  • Points are auto credited to your CAPITASTAR account as STAR$, vouchers are redeemed as CapitaVouchers
  • Min annual income of $30,000 for citizens/PRs or $60,000 for foreigners
  • Principal card is free the 1st year but costs $171.20 per year after, supplementary card is free
  • Earn 30 points per $1 spend from max $1,200 spend each month
  • Free parking only with min spend of $1,200 and you got to register for it

BANK PROMO

  • To get $60 CapitaVoucher, spend $1,500 in your 1st 3 months (awarded in STAR$)
  • Receive an American Tourister Erie 67/24 Luggage worth $200 when you spend an additional $3,000 within the 1st 3 months

Citi Rewards Card (Visa)

Citi Rewards Card (Visa)

APPLY TODAY TO GET:

FINTY REWARDS
  • $10 cash upon getting your card, even for existing Citi cardholders
BANK PROMO
  • $120 cash back
Finty Rewards $Finty Rewards $10
Cashback icon
  • Earn 10 points per $1 spend on clothes, bags, or shoes at department or online stores
  • All other purchases still earn you 1 point per $1 spend
  • Enough points could get you that dream holiday, wishlist item, or vouchers
  • Convert 3,600 points to $10 rebate
  • Up to 10% rebate at over 500 merchants
  • Say what? Clothes, bags, or shoes? Get 10 points for every $1 you spend on them at department or online stores
  • All other purchases still earn you 1 point per $1 spend
  • Enough points could get you that dream holiday, wishlist item, or vouchers
  • Convert 3,600 points to $10 rebate
  • Points aren’t forever but last 5 years
  • 14% Esso petrol discount (5% at site, 5% with Esso Smiles card, and 4% with Citi card)
  • Up to 16% Shell petrol discount (5% at site, 5% with Shell Escape card, and 6% with Citi card)
  • Earn 10 points per $1 spend on clothes, bags, or shoes at department or online stores
  • All other purchases still earn you 1 point per $1 spend
  • Enough points could get you that dream holiday, wishlist item, or vouchers
  • Convert 3,600 points to $10 rebate
  • Points aren’t forever but last 5 years
  • Min annual income of $30,000 for citizens/PRs or $42,000 for foreigners
  • Annual fee waived the 1st year, but $192.60 for principal card and $96.30 for supplementary card after
  • Earn max 120,000 points each year
  • Not all clothes, bags, or shoes make the cut, 10x points can be only be earned from major clothing, bag, or shoe stores
  • Rebates at merchants (aka Citi Rebates) offset your next purchase at any participating merchant, with no expiry or cap 

BANK PROMO

  • Bank promo is only applicable to new Citi cardholders
  • To get $120 cash back, spend $200 per month to earn $20 cash back per month for the 1st 6 months
  • New Citi cardholder is someone who doesn’t have an existing Citibank credit card or did not previously cancelled one in the last 12 months
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