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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.
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