What exactly is an entertainment credit card?

As the name implies, it’s a card that rewards you for spending money on doing the things that make you happy. 'Entertainment' means different things to different people, so we’ve included on this page a selection of cards that reward (with rebates, points, air miles or entertainment-related perks) your spending at local entertainment venues, or on shopping, dining, golf, travel, Grab rides — whatever floats your boat.

What counts as entertainment spend?

The entertainment category typically encompasses food and drink purchases at restaurants, cafes, bars, and clubs. It may also extend to spend at cinemas and various music, TV, and movie streaming services. Spend at sporting events and concerts may also be included. It is important to note that there are typically restrictions in place. For example, a higher rate may be in place over weekends. Another common restriction is that certain brands may be eligible and others won't be. Therefore, it is important to familiarise yourself with exactly what does fall within the entertainment category and what doesn't—before you head out!

What kind of perks and benefits, in addition to (or instead of) rewards points or air miles, can I expect with an entertainment credit card?

Your card may include a selection of the following benefits: Percentage rebate on local entertainment, possibly with higher rebates at weekends (e.g. 5%) Percentage rebate on online shopping (e.g. 6%) Percentage rebate on Grab rides (e.g. 6%) Percentage rebate at selected restaurants and fast food outlets, possibly with higher rebates at weekends (e.g. 5%) Free extras at selected bars and restaurants Percentage rebate on NETS FlashPay auto top-ups (e.g. 3%) and EZ-Reload (e.g. 2%) Free hotel nights, plus hotel discounts Airport lounge access Free travel insurance A gift of quality luggage Percentage rebate on petrol purchases (e.g. 16%) 0% interest instalment payment plans for large purchases

How much does it cost to have an entertainment credit card?

The annual fee will vary depending on the quantity and quality of rewards and perks attached to the card. It is likely to be in the region of $160 to $320 a year, but there is often a fee waiver for the first one or two years, and sometimes a further waiver in any year where you reach a spending target (e.g. $12,500) using the card in the previous year. In addition to annual fees, you may have to pay a 2.5%-3.5% foreign transaction fee on overseas purchases (including those made online). And don’t forget the possibility of interest charges and late payment fees if you fail to repay your entire balance on or before the payment due date.

How can I decide which entertainment credit card is best for me?

Take a look at where your entertainment spending usually goes. (Your existing credit card statement — or bank statement if you are currently using a debit card — may give you a good guide.) Then choose a card that rewards your personal spending pattern. For example, if your Saturday night sees you taking an Grab ride, catching a movie, then grabbing something to eat and drink at a popular bar, look for a card that gives high rebates or points/miles on Grab plus local entertainment and dining, especially one that has higher rewards for weekend spending. But if retail therapy (whether online or at a physical store) is your idea of a good time, you’d be better off choosing a card that rewards shopping with points, miles or cashback — you may even be able to find a card that has higher rewards at your favourite shopping destinations, such as department stores.

Best Entertainment Credit Cards in Singapore

Best entertainment credit cards

Enjoy a range of money-saving benefits and rebates when you dine out, go to the movies, meet up for drinks with your friends, and so much more. Sound good? Discover the best credit card for your entertainment spend on Finty.

Updated 8 Feb 2024 |

An entertainment credit card is just like any other credit card in Singapore except for one key detail: they reward spending classified as entertainment.

Who are entertainment credit cards suitable for?

Frequent entertainment category spenders. If you frequent bars, lounges, and clubs, a card based on entertainment spending could earn handsomely. Spending at cafes, ticketed events, or any brand offering entertainment may also earn.
Streaming media subscribers. Many entertainment credit cards also earn rewards and cashback on streaming services. In other words, you can earn from your subscription to Netflix, Disney+, etc.
Frequent diners. Would you rather eat out? This classification of spending could earn elevated rewards. Dining credit cards may be worth a look if you eat out or order food in a lot.

Entertainment credit card features to compare

Annual fee. Some cards have an annual fee, some cards do not. Some banks will waive it if you ask. If there is one, is it worth paying for the rewards and benefits you get?
Rewards. How much cashback or points would you earn from your typical monthly spending in the entertainment category?
Cashback rate. If the card has cashback, how much can you get from entertainment spending? Are there any caps that would affect you?
Sign up bonus. Many cards have an initial welcome bonus to entice new customers. Can you trigger it without stretching yourself financially?

How to compare entertainment spend credit cards

Check the terms and conditions. Understand how a card issuer defines "entertainment" and how that would impact you.
Assess your spending habits. Whatever credit card you choose should reflect your individual lifestyle and preferences.
Rewards structure. Choose a card with an rewards structure that aligns with your spending patterns. Make sure it matches your spending habits.
Annual fees. If there is one, is it worth paying every year? Would you get tangible benefits from the card besides rewards?
Interest rates. Carrying a balance quickly offsets the value of any rewards earned and is best avoided. But if you must carry a balance, would the interest rate cause a problem?