Top > News List > Article
Top 6 Cashback Credit Cards in Singapore to Maximise Your Savings (August 2026)

These days, many Singaporeans chase air miles, dreaming of glamorous travel experiences. But if you’re like me and prefer cold, hard cash in your wallet, cashback credit cards are where the real value lies. Whether it’s groceries, dining, transport, or online shopping, a smart cashback card can make everyday spending work for you. Here’s a breakdown of the best cashback credit cards in Singapore for August 2026, with options for every lifestyle.

Quick Overview: Best Cashback Credit Cards (2026) We’ve chosen the winners based on cashback rates, minimum spend requirements, category coverage, and caps. Here’s a summary for a fast decision:

Category

Winner

Runner-up

Dining

HSBC Live+ Card – 8% cashback on dining till Dec 31, 2026, $600 min spend

Maybank Family & Friends Card – 8% on dining when selected as 1 of 5 categories, $800 min spend

Groceries

DBS yuu Card – Up to 18% at Cold Storage & Giant; NTUC Link Credit Card by Trust – Up to 21% at FairPrice

CIMB Visa Signature – 10% on groceries (MCC-based), $800 min spend, $20/category cap

Shopping

UOB EVOL Card – 10% online/mobile contactless, $600 min spend, $30 cap

OCBC FRANK Card – 8% online/contactless, $800 min spend, $25 cap

Transport

UOB One Card – Up to 10% at Grab & SimplyGo plus petrol savings at Shell & SPC

Standard Chartered Smart Credit Card – Up to 10% on SimplyGo & EV charging

Unlimited Cashback

UOB Absolute Cashback Card – 1.7% unlimited, $0 min spend

Citi Cash Back+ Card & OCBC INFINITY Card – 1.6% unlimited, $0 min spend

1. Best Cashback Credit Card for Dining Winner: HSBC Live+ Card The HSBC Live+ Card currently offers 8% cashback on dining, shopping, and entertainment, with a $600 monthly minimum spend. The cashback applies to MCC-based transactions, so you earn rewards at everything from your neighbourhood zi char to cafés abroad. Note: the promo is valid until Dec 31, 2026, so enjoy it while it lasts.

Runner-up: Maybank Family & Friends Card This card lets you choose up to five categories to earn 8% cashback, including dining, but requires a slightly higher $800 monthly spend.

Honourable Mention: Citi Cash Back Card Six per cent dining cashback on MCC-based transactions, same $800 minimum spend — decent, but not quite as strong as HSBC Live+ or Maybank.

2. Best Cashback Credit Card for Groceries Winners: NTUC Link Credit Card by Trust & DBS yuu Card If you’re loyal to specific supermarket chains, these cards deliver huge savings. NTUC Link offers up to 21% cashback at FairPrice stores (including online), while DBS yuu gives up to 18% at Cold Storage and Giant.

Runner-up: CIMB Visa Signature Offers 10% cashback on grocery spend, MCC-based, with an $800 monthly minimum and $20 cap per category — suitable for smaller grocery runs.

Honourable Mentions: POSB Everyday Card ($0 min spend, 5% cashback at Sheng Siong), Citi SMRT Card (5% groceries + transport + online spend with $500 minimum spend).

3. Best Cashback Credit Card for Shopping Winner: UOB EVOL Card 10% cashback on online and mobile contactless spending with just $600 minimum spend, plus 10% on selected gym, telco, and streaming services. Monthly cap is $30, so high spenders will reach the limit quickly.

Alternative: UOB One Card Focuses on Shopee purchases with 8.33% cashback at the lowest tier, generous $120 cap for bonus cashback, but limited to a single merchant.

Runner-up: OCBC FRANK Card 8% cashback on local online and contactless spending, minimum $800 spend, broader coverage than MCC-specific cards.

4. Best Cashback Credit Card for Transport Winner: UOB One Card Up to 10% cashback for Grab, SimplyGo, and fuel at Shell & SPC. Lower tiers ($600–$1,000/month) still earn 8.33%, making it ideal for daily commuters.

Runner-up: Standard Chartered Smart Credit Card Up to 10% on SimplyGo and EV charging, with 8% unlocked at $800/month. Cashback is unlimited, but category coverage is narrower than UOB One.

Honourable Mention: Citi Cash Back Card 8% cashback on petrol and private transport, capped at $80/month.

Key Takeaway Cashback credit cards are a powerful way to save on everyday expenses. By matching your card to your spending habits — dining, groceries, shopping, transport, or unlimited cashback — you can maximise returns without changing your lifestyle. In 2026, these cards stand out as the best options for Singaporeans who prefer cold, hard savings over points and air miles.

Recommended
Top 10 Singapore Savings Accounts Offering the Highest Interest Rates in 2026
Top 10 Singapore Savings Accounts Offering the Highest Interest Rates in 2026
Finance
Buyer Alert: 5 Essential Tips for Evaluating a New Investment Fund
Buyer Alert: 5 Essential Tips for Evaluating a New Investment Fund
Finance
Smart Ways to Grow Your Retirement Savings with the Supplementary Retirement Scheme (SRS)
Smart Ways to Grow Your Retirement Savings with the Supplementary Retirement Scheme (SRS)
Finance
3 Singapore Stocks at 52-Week Lows: Hidden Opportunities or Risky Traps?
3 Singapore Stocks at 52-Week Lows: Hidden Opportunities or Risky Traps?
Finance
Top 3 Credit Card Combos in Singapore to Maximise Cashback, Miles, and Rewards
Top 3 Credit Card Combos in Singapore to Maximise Cashback, Miles, and Rewards
Finance
10 Best Savings Accounts in Singapore with the Highest Interest Rates (September 2026 Update)
10 Best Savings Accounts in Singapore with the Highest Interest Rates (September 2026 Update)
Finance
9 Best Personal Loans (July 2026): Lowest Rates & Fast Approval
9 Best Personal Loans (July 2026): Lowest Rates & Fast Approval
Finance
Unlock the Best Bank Perks in Singapore This Season: Cashback, Business Class Flights, 50% Off Holidays and More
Unlock the Best Bank Perks in Singapore This Season: Cashback, Business Class Flights, 50% Off Holidays and More
Finance
From Zero Savings to Financial Freedom: How I Rebuilt My Money Mindset
From Zero Savings to Financial Freedom: How I Rebuilt My Money Mindset
Finance
Standard Chartered CashOne Personal Loan Review 2026: Is This the Best Deal Right Now?
Standard Chartered CashOne Personal Loan Review 2026: Is This the Best Deal Right Now?
Finance
Can ILOE help you pay off your loan after job loss?
Can ILOE help you pay off your loan after job loss?
Finance
Best Fixed Deposit Rates in Singapore (Aug 2026) — Start From Just $500 and Earn Up to 2.45% p.a.
Best Fixed Deposit Rates in Singapore (Aug 2026) — Start From Just $500 and Earn Up to 2.45% p.a.
Finance
Best Credit Card Sign-Up Promotions in Singapore (August 2026): Citibank, DBS, HSBC, UOB and More
Best Credit Card Sign-Up Promotions in Singapore (August 2026): Citibank, DBS, HSBC, UOB and More
Finance
How Gen Z and Millennials Can Build a Retirement Fund of S$550,000 and Beyond
How Gen Z and Millennials Can Build a Retirement Fund of S$550,000 and Beyond
Finance
Best Fixed Deposit Rates in Singapore (Sep 2026): Earn Up to 2.45% p.a. With Deposits From Just $500
Best Fixed Deposit Rates in Singapore (Sep 2026): Earn Up to 2.45% p.a. With Deposits From Just $500
Finance
5 Key Clues That Signal When Singapore Property Prices Are About to Shift
5 Key Clues That Signal When Singapore Property Prices Are About to Shift
Finance
Best Credit Card Freebies in Singapore (June 2026): Free iPads, Cash & Travel Goodies Up for Grabs!
Best Credit Card Freebies in Singapore (June 2026): Free iPads, Cash & Travel Goodies Up for Grabs!
Finance
Top 9 Personal Loans in Singapore with the Lowest Interest Rates (Aug 2026)
Top 9 Personal Loans in Singapore with the Lowest Interest Rates (Aug 2026)
Finance
Top Bank Promotions in Singapore (August 2026): Limited-Edition Stitch Charms, 50% Off Flights, and More
Top Bank Promotions in Singapore (August 2026): Limited-Edition Stitch Charms, 50% Off Flights, and More
Finance
Top 10 High-Interest Savings Accounts in Singapore (July 2026): Where to Park Your Cash for the Best Returns
Top 10 High-Interest Savings Accounts in Singapore (July 2026): Where to Park Your Cash for the Best Returns
Finance
Access Ranking
Is It Time to Refinance Your Israeli Mortgage? A Guide to Saving Thousands
loan
Is It Time to Refinance Your Israeli Mortgage? A Guide to Saving Thousands
7 Stylish Electric SUVs in Singapore for Drivers Who Want Something Different
Car
7 Stylish Electric SUVs in Singapore for Drivers Who Want Something Different
Can What You Eat Really Improve Your Oral Health? What Experts Say
tooth
Can What You Eat Really Improve Your Oral Health? What Experts Say
The Ultimate Guide for New Launch Properties in Malaysia
apartment
The Ultimate Guide for New Launch Properties in Malaysia
Thinking About Teeth Whitening? 7 Key Facts Singapore Consumers Should Know
tooth
Thinking About Teeth Whitening? 7 Key Facts Singapore Consumers Should Know
Noah Wyle 'truly humbled' by Golden Globe best actor win
Entertainment
Noah Wyle 'truly humbled' by Golden Globe best actor win
The Pitt, The Studio and Adolescence named best TV shows at Golden Globes
Entertainment
The Pitt, The Studio and Adolescence named best TV shows at Golden Globes
The BYD Dolphin: Is This the Ultimate Cost-Effective EV for Israel?
Car
The BYD Dolphin: Is This the Ultimate Cost-Effective EV for Israel?
Platform Perdagangan Jentera Pertanian Terpakai: Cara Bijak Jimat Kos dan Tingkat Produktiviti
Lifestyle
Platform Perdagangan Jentera Pertanian Terpakai: Cara Bijak Jimat Kos dan Tingkat Produktiviti
Discover the Thrill of Diving in Singapore: A Guide for Beginners and Enthusiasts
Lifestyle
Discover the Thrill of Diving in Singapore: A Guide for Beginners and Enthusiasts
'Silent pickleball': Mountbatten residents trial playing with foam balls to reduce noise
Lifestyle
'Silent pickleball': Mountbatten residents trial playing with foam balls to reduce noise
Sexual enhancement candy and weight-loss coffee found to contain controlled substances
Healthy
Sexual enhancement candy and weight-loss coffee found to contain controlled substances
Earn S$30,000? You Could Qualify for Singapore’s New AI and Tech Visa
Work Services
Earn S$30,000? You Could Qualify for Singapore’s New AI and Tech Visa
The cheapest 4-room central HDB flats in Singapore still available under $520k
apartment
The cheapest 4-room central HDB flats in Singapore still available under $520k
Senior Discounts in Singapore That Make Everyday Life More Affordable
Lifestyle
Senior Discounts in Singapore That Make Everyday Life More Affordable
Singapore is 2nd richest country in the world in 2025, but drops to 8th for long work hours
money
Singapore is 2nd richest country in the world in 2025, but drops to 8th for long work hours
PizzaExpress, Kith Cafe: Singapore sees F&B business closures at start of 2026
Food Info
PizzaExpress, Kith Cafe: Singapore sees F&B business closures at start of 2026
From Stress Relief to Full Reset: 8 Wellness Centres in Singapore Redefining Rest and Recovery
Lifestyle
From Stress Relief to Full Reset: 8 Wellness Centres in Singapore Redefining Rest and Recovery
Choosing a Beauty Clinic in Israel: A Guide to Safe and Effective Treatments
Beauty
Choosing a Beauty Clinic in Israel: A Guide to Safe and Effective Treatments
Looking for a Affordable and Convenient Shared Room in Singapore
Lifestyle
Looking for a Affordable and Convenient Shared Room in Singapore