We strip out affiliate promos and calculate actual cashback, miles, and net-yield by spend pattern — so you know exactly what each card is worth to you.
Cashback rate, miles earn, FX markup, annual fee trade-off, sign-up bonus conditions — we put them all on the same bench so you can compare without the marketing noise.
Not all 6% cashback cards are equal. We calculate the net rate after caps and exclusions.
Earn rates, transfer partners, and the real cost per mile — KrisFlyer, Asia Miles, and more.
Welcome offers ranked by net value after minimum spend requirements.
Cards analysed
Best effective cashback
0% periods, processing fees, and the true cost of moving debt between banks.
Foreign transaction markups, annual fee math, and hidden charges exposed.
How to combine 2–3 cards to maximise cashback and miles across groceries, dining, travel, and bills — without paying more in annual fees than you earn back.
Which cards win on supermarket and online grocery spend in Singapore.
Best cards for restaurants, food delivery, and entertainment spend.
general Learn about the official Credit Cards guide from the Association of Banks in Singapore, available in English and other languages.
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general Find out about the official Credit Cards guide from the Association of Banks in Singapore, available in English.
general Learn about the availability of the English version of the Credit Cards guide published by the Association of Banks in Singapore.
Tell us your monthly spend pattern and we'll show you the top 3 cards by net yield — no affiliate links, just math.
How our bench works