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.

By   |   Verified by Kwok Zhong Li   |   Updated 12 Sep 2023

As seen on

Media - Enterprise Innovation
Media - Fintech Times
Media - Singapore Business Review
Media - Today
Media - Tech In Asia
Media - Zaobao

Comparing entertainment credit cards

Citi Lazada Credit Card

Citi Lazada Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 10X reward points when you shop on Lazada Singapore. Terms and Conditions apply.
  • Earn 5X reward points on your dining, travel, entertainment, and commute transactions.
  • Enjoy a shipping rebate when you spend a minimum of S$50 per transaction at Lazada.

Pros

  • Get exclusive Lazada offers.
  • You can use your points to pay for any purchase.
  • Enjoy discounts locally and in 95 other countries.
  • Feel secure with this card's complimentary travel insurance.

Cons

  • Points earning is capped at 9,000 Reward Points per statement month.
  • Shipping rebate is capped at 4 shipping rebates per month.
OCBC Frank Credit Card

On website

OCBC Frank Credit Card

Cashback

Up to 8.00% on any foreign currency spend

Cashback cap

Up to $25.00

Minimum spend

S$800.00 per month

Sign up bonus

Get a year-long Burpple Beyond Premium Membership worth S$99 when you apply by 31 December 2023, get approved, and make 5 eligible transactions within 30 days from card approval. Terms and Conditions apply.

Highlights

  • Get up to 10% cashback. Earn 8% in cashback on foreign currency transactions and online/contactless mobile transactions in SGD, plus earn an additional 2% when you shop at selected green merchants.
  • Earn up to S$100 in monthly cashback when you spend at least S$800 a month.
  • Earn 0.3% cashback on other eligible spending.

Pros

  • Earn 8% cashback on purchases made in foreign currency, both online and in stores.
  • Earn 8% cashback on online purchases made in SGD and contactless mobile transactions.
  • Earn an additional 2% cashback on green merchants like SimplyGo, BlueSG, Scoop Wholefoods, and more.
  • The annual fee is waived for the first 2 years

Cons

  • Cashback is capped at S$100 a month.
  • After the first 2 years, you will be charged an annual fee of S$194.40 for the principal card and S$97.20 for the additional card.
Citi SMRT Credit Card

Citi SMRT Credit Card

Cashback

Up to 14.00% on petrol spend

Cashback cap

$600.00 on any spend

Minimum spend

S$500.00 per month

Sign up bonus

Get S$300 cash back when you apply and spend with a Citi SMRT Card. Terms and Conditions apply.

Highlights

  • Get up to 5% cashback on selected grocery stores, online purchases, and & public transport rides.
  • Get a 0.3% cashback on all other eligible transactions.
  • Redeem SMRT$ for cash rebate or shopping vouchers

Pros

  • The annual fee for the first 2 years is waived. S$194.40 thereafter.
  • Get deals and discounts with Citi World Privileges.
  • Convert big transactions into installments with Citi PayLite.

Cons

  • There is a required S$500 spend to earn the 5% cashback on select categories.
  • S$600 cap on SMRT$ rebates per year.
Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Earn 35,000 miles when you apply and meet the criteria. Terms and Conditions apply.

Highlights

  • Earn 3 miles per $1 overseas spend and 1.4 miles per $1 local spend.
  • Access to over 1,000 airport lounges with Priority Pass membership.
  • Get up to $1 million in travel insurance coverage.

Pros

  • Receive 35,000 miles when you meet the criteria.
  • High earning rate on overseas spending.
  • 360º rewards points never expire.

Cons

  • The high annual fee of S$594.
OCBC Titanium Rewards Credit Card (Blue)

On website

OCBC Titanium Rewards Credit Card (Blue)

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 10x rewards (equivalent to 4 miles per S$1 spent) on eligible retail purchases – both online and in-store
  • Earn 1x rewards on all other eligible purchases.
  • Additional 2% cash rebate when you spend at BEST Denki.

Pros

  • The waived annual fee for the first 2 years.
  • Redeem points as miles, vouchers, or cash to offset purchases via Stack.
  • Earn up to 7.65% a year on your savings when you use the OCBC Titanium Rewards Credit Card

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • The annual fee is waived for the 1st 2 years, but you will be charged $194.40 for the principal card and $97.40 for the supplementary card after.
OCBC Great Eastern Cashflo Credit Card

On website

OCBC Great Eastern Cashflo Credit Card

Cashback

1.20% on any spend

Cashback cap

$100.00 on any spend

Minimum spend

S$1,000.00 per month

Sign up bonus

N/A

Highlights

  • 0% installments with rebates.
  • Earn 0.3% cashback if your monthly bill is less than S$1,000 and 1.2% cashback if your monthly bill is equal or greater than S$1,000. Capped at S$100 a month.
  • Automatically splits your payments across 3 months for transactions between S$100 to S$1,000 or across 6 months for transactions equal to or greater than S$1,000.

Pros

  • Split your bills into 3, 6, or 12-month installments.
  • Earn up to 1.2% cashback.
  • No annual fee for the first 2 years.

Cons

  • The annual fee is waived for the 1st 2 years, but you will be charged $162 for the principal card and $81 for the supplementary card after.
  • Cashback is capped at $100 each month

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?

Learn about entertainment credit cards

Find out how to use an entertainment credit card to get more out of your social life.

  • FAQs

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.

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.

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 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 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