Independent SG credit card analysis

Read the small print
before you swipe.

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.

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Card Dimensions

Every angle of a credit card,
measured in real numbers

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.

Top Read

SG Cashback Cards 2026: Effective Rate After Spend Pattern

Not all 6% cashback cards are equal. We calculate the net rate after caps and exclusions.

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Miles Cards

Earn rates, transfer partners, and the real cost per mile — KrisFlyer, Asia Miles, and more.

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Sign-Up Bonuses

Welcome offers ranked by net value after minimum spend requirements.

40+

Cards analysed

6.2%

Best effective cashback

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Balance Transfer

0% periods, processing fees, and the true cost of moving debt between banks.

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FX & Fees

Foreign transaction markups, annual fee math, and hidden charges exposed.

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Card Stacking Strategy

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.

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Groceries

Which cards win on supermarket and online grocery spend in Singapore.

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Dining

Best cards for restaurants, food delivery, and entertainment spend.

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Card-by-card analysis

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All Cashback Miles Sign-Up Bonus Balance Transfer FX & Fees

Not sure which card fits your spend?

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