{"id":36161,"date":"2022-02-10T15:13:19","date_gmt":"2022-02-10T07:13:19","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=36161"},"modified":"2026-03-04T18:00:40","modified_gmt":"2026-03-04T10:00:40","slug":"cards-shopping-online","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/cards-shopping-online\/","title":{"rendered":"Best Cards For Shopping Online Singapore 2022"},"content":{"rendered":"\n

What\u2019s a card without cashback or rewards? In a sea of options, find out which of these five cards come out tops as the best option for shopaholics and deserve a slot in your wallet! <\/strong><\/h2>\n\n\n\n
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It comes as no surprise that online shopping has seen an uptick thanks to the pandemic \u2014 after all, there are only that many TikTok videos to choreograph and TV series to binge on before the urge to do something more satisfying<\/em> hits. And with more ads being pushed out to us because of our new stay-home routine, it\u2019ll take a ton of willpower to not<\/em> make a purchase based on what we see online. Thankfully, there\u2019s a way to make this money-spending experience feel a little less guilt-ridden: choosing the right credit card for shopping online Singapore. For starters, it should be one that can offer a good amount of rewards for your purchases, and perks that\u2019ll help you earn and save as you spend. To help you out, we\u2019ve picked some of our favourite cards for shopping online Singapore.<\/p>\n\n\n\n

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\ud83d\udcb3 Best Cards For Shopping Online Singapore<\/strong><\/h2>\n\n\n\n
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To make sure that you get more bang for your buck, we recommend looking out for three crucial components when searching for the best card for shopping online Singapore:

i) Do they have a rewards programme?<\/strong>
ii) Can you get cashback?<\/strong>
iii) Is there an attractive exchange rate?<\/strong><\/p>\n\n\n\n

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<\/td>Cashback \/ Reward<\/strong><\/td>Cashback \/ Reward Cap<\/strong><\/td>Admin Fee for FX currency conversion<\/strong><\/td><\/tr>
YouTrip Multicurrency Card<\/strong><\/td>\u2705 Up to 10% cashback for over 40 merchants including Shopee, Taobao and ASOS
<\/td>		Unlimited<\/td>0%<\/td><\/tr>
Citi Rewards Card<\/strong><\/td>\u2705 10X rewards (or 4mpd) for relevant category spends 

\u2705 1X rewards (or 0.4 mpd) for general categories
<\/td>		Up to 10,000 bonus points and unlimited points for general spend<\/td> 3.5%<\/td><\/tr>
Amex True Cashback<\/strong> Card<\/strong><\/td>\u2705 1.5% + 1% for foreign currency transactions
<\/td>		Unlimited<\/td>2.95%<\/td><\/tr>
OCBC FRANK Card<\/strong><\/td>\u2705 6%
<\/td>		S$75\/month
<\/td>		2.25%<\/td><\/tr>
CIMB Visa Signature<\/strong> Card<\/strong><\/td>\u2705 10%
<\/td>		S$100\/month
<\/td>		2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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1. YouTrip Multicurrency Card<\/strong><\/h2>\n\n\n\n
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The YouTrip Card is perfect for minimalists tired of having to keep up with the various fees and terms & conditions that come with conventional credit cards. Simply create an account, preload your cash, and it\u2019s off to the races \u2014 no hidden admin fees, no minimum deposit, just pure cashless goodness. <\/p>\n\n\n\n

Rewards\/Cashback: <\/strong>Instead of a straightforward reward system, users can tap into the repository of YouTrip Perks<\/a> merchants for great cashback deals and discounts for both local and international brands. We’re talking, about up to 10% cashback for over 40 merchants including Shopee, Taobao and ASOS!<\/p>\n\n\n\n

Good for: <\/strong>Domestic and international spending \u2014 every savvy shopper knows those bank and foreign currency fees can and will add up. With YouTrip, you can skip all that and have a fuss-free online shopping experience<\/p>\n\n\n\n

Cons: <\/strong>There\u2019s currently a wallet limit of $5,000, and an annual spend that\u2019s capped at $30,000 \u2014 something. to note if you are hoping to cash in on the Wholesale Exchange Rates<\/a>.<\/p>\n\n\n\n

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2. Citi Rewards Card<\/strong><\/h2>\n\n\n\n
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If you\u2019ve been in the market for a credit card that rewards you for spending, then the aptly named Citi Rewards Card would\u2019ve been on your radar. <\/p>\n\n\n\n

Cashback\/ Reward: <\/strong>Instead of cashback, Citi Rewards works on a points system \u2014 you can rack up 10X rewards (or 4 airline miles) with every $1 spent on online and shopping purchases, ride-hailing services, AND online food delivery services. For other card purchases that don\u2019t fall under these categories, you can still enjoy 1X rewards (0.4 airline miles). <\/p>\n\n\n\n

If you play your cards right, spending a total of $1,000 on the relevant categories will help you earn the maximum 10,000 bonus points (that\u2019s 4,000 airline miles) per statement month. <\/p>\n\n\n\n

Good for<\/strong>: Those who live with convenience on their minds. <\/p>\n\n\n\n

Cons<\/strong>: Converting your points into miles and\/or rewards can sometimes be complicated.  <\/p>\n\n\n\n

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3. The American Express True Cashback Card<\/strong><\/h2>\n\n\n\n
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Living up to its name, the Amex True Cashback Card is truly one of the better cashback cards on the market. <\/p>\n\n\n\n

Cashback\/ Reward: <\/strong>There\u2019s no minimum spend and no categories to track \u2014 just 1.5% cashback on all your purchases, no questions asked. While 1.5% might not sound like a lot, if you\u2019re making a big-ticket purchase, it can all add up very quickly. We also love that all your cashback gets credited back to your account within the same month, feeding our love for instant gratification! <\/p>\n\n\n\n

The icing on the cake, however, is the additional 1% cashback offer for all foreign currency transactions \u2014 whether you\u2019re scouring Taobao<\/a> for your next big purchase or jetting off to your next destination<\/a> anywhere and everywhere. <\/p>\n\n\n\n

Good for: <\/strong>Big spenders, internationally and domestically!<\/p>\n\n\n\n

Cons: <\/strong>You\u2019re better off with other cashback cards if you don\u2019t spend a lot in a month. <\/p>\n\n\n\n

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4. OCBC FRANK Card<\/strong><\/h2>\n\n\n\n
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Remember when OCBC Frank Cards looked like this? <\/em><\/p>\n\n\n\n

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Image credits: OCBC<\/em><\/p>\n\n\n\n

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Just last year, the OCBC team gave its credit card a massive refresh. <\/p>\n\n\n\n

Cashback\/Rewards: <\/strong>The new, sleek OCBC FRANK Credit Card now offers 6% cashback on all online spending, mobile payments, and FX transactions. Note that it is capped at $75 per month, with a monthly minimum of $600. Everything else will earn you 0.3% in cashback, but only up to $25 each month. <\/p>\n\n\n\n

Good for: <\/strong>Young adults looking to enjoy neat rewards without having to increase their expenditure<\/p>\n\n\n\n

Cons:<\/strong> It has a relatively low cashback amount, so if you\u2019re hunting for more and you have a higher disposable income, you might be better off with other cards.<\/p>\n\n\n\n

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5. CIMB Visa Signature Card<\/strong><\/h2>\n\n\n\n
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This card\u2019s perfect for hedonists with furry friends in tow. <\/p>\n\n\n\n

Cashback\/Reward: <\/strong>The CIMB Visa Signature offers an impressive 10% cashback for online shopping, groceries, pet shops & veterinary services, and cruises \u2014 capped at $100 per month. <\/p>\n\n\n\n

Good for: <\/strong>Individuals whose spending habits revolve around these particular categories. <\/p>\n\n\n\n

Con: <\/strong>Once you\u2019ve hit the cap or are planning to spend on other categories, you\u2019ll get to enjoy an unlimited 0.2% cashback \u2014 which may not be worth it if you\u2019re a big spender. <\/p>\n\n\n\n

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So, Which Card Is Best For Shopping Online Singapore? <\/strong><\/h2>\n\n\n\n
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While it ultimately depends on your financial plans, goals, and priorities, here’s how we’ll rank the best cards for shopping online Singapore:<\/p>\n\n\n\n

\ud83c\udfc6 Best For Fresh Graduates:<\/strong> OCBC FRANK Card<\/p>\n\n\n\n

\ud83c\udfc6 Best For Big Spenders: <\/strong>American Express True Cashback Card <\/p>\n\n\n\n

\ud83c\udfc6 Best For Airline Miles Hunters: <\/strong>Citi Rewards Card <\/p>\n\n\n\n

\ud83c\udfc6 Best For Pet Parents: <\/strong>CIMB Visa Signature Card<\/p>\n\n\n\n

\ud83c\udfc6 Best For Online Shopping Worldwide: <\/strong>YouTrip Multicurrency Card<\/p>\n\n\n\n

Sign up now and be sure to check out our YouTrip Perks<\/a> page for exclusive offers and promotions too! For more great tips and articles like this, join our Telegram(@YouTripSG)<\/a> and subscribe to our free weekly newsletter here<\/a> or down below! <\/p>\n\n\n\n

And while you\u2019re at it, why not join the conversation with thousands of #YouTroopers in our very own Community Telegram Group @YouTripSquad<\/a>? Get tips and tricks to everything YouTrip including exclusive invites to exciting events and experiences, & be part of the #YouTripSquad! \ud83d\udc9c<\/p>\n\n\n\n

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Related Articles:<\/strong><\/p>\n\n\n\n

How To Save on Luxury Bags in Europe: Stores, Costs & More<\/a>
Best Multi-Currency Cards In Singapore<\/a>
Overseas Spending: Cash, Credit Card, Crypto.com Visa Card or YouTrip Multi-Currency Card?<\/a><\/strong><\/p>\n\n\n\n

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All the savvy shopaholics, put your hands up!<\/p>\n","protected":false},"author":49,"featured_media":36162,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[621,623],"tags":[],"class_list":["post-36161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-foreign-exchange","category-lifestyle"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/36161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=36161"}],"version-history":[{"count":2,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/36161\/revisions"}],"predecessor-version":[{"id":83999,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/36161\/revisions\/83999"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/36162"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=36161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=36161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=36161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}