Online shopping is the most accessible way of purchasing items especially during the pandemic times. All you need to do is browse through items from your laptops or mobile phones. As it has become a global trend, almost all merchants have opted for online platforms in selling their products and services. 

The preference for online shopping in Singapore has also drastically improved compared to pre-pandemic years. The revenue growth of e-commerce activities in Singapore is expected to be faster in upcoming years. The increase in the online shopping trend has also opened up many credit card promotions specifically for online shoppers. 

Why use a credit card for online shopping?

Although you can conveniently use your debit card when you shop online, there are more reasons for you to use a credit card. Here’s why you should consider using a credit card for online shopping. 

• Earn for every spend

The ultimate motivation is to savour the rewards, discounts and free gifts you earn from your credit card purchases online. You know you are about to spend on something, so use the spends to your favour! 

• Protect your personal details and items purchased

With a credit card, you can protect yourself from any payment disputes. If there are any errors, you can immediately notify your credit card provider. In fact, you can also protect your personal information from any fraudulent transactions.

• Avoid risks of stolen card

When your debit card information is stolen, it can take weeks before you get your money back. But if your credit card information is stolen, there will be no money missing from your bank account. And, you will not have to bear the expenses made through your credit card after you have made your complaint. 

Look at the top 5 online shopping credit cards in Singapore.

CIMB Visa Signature

CIMB Visa signature card is made for you if you wish to enjoy a credit card with no annual fees throughout your use. With a minimum spend of S$800, you will be able to earn S$100 every month. This credit card comes with the highest cashback rate of 10% for online shopping inclusive of groceries, beauty and wellness, pet needs and cruises. It is the best card for working adults with high monthly expenses. 

Additional 0.2% unlimited cashback on other retail purchases is given to new card holders without any minimum spend requirement or cashback cap to be worried about. For purchases made in Expedia and Zalora, there are discounts available up to 15%. And if you are new to Shopee, you will get S$7 for a minimum spend of S$15. 

Besides that, you get to enjoy world class travel experience and a complimentary travel insurance of up to S$500,000. There are also 10% to 20% discounts for every dine-in at selected hotels. 

Annual Interest Fee and Rate

S$0 / Free

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

APPLY NOW! 

 

Standard Chartered Spree Credit Card

To frequent vPost and SingPost users, this Standard Chartered Spree Credit Card is your best option. This card does not only offer you up to 3% cashback on online shopping, but you also get to save more with the shipping costs and storage privileges. You can use this card for your every day online purchases in Singapore stores with no minimum spend requirement. 

Use foreign currency to maximise your cashback earnings. For all online purchases made within Singapore, you get to enjoy 2% cashback. Plus, new credit card holders will receive up to S$168 cashback after three successful transactions made. If you have to store the items you purchased while you find the space, you get up to 15% off for storages made at Lock + Store. 

1% cashback can be earned for other retail purchases. You are also given a 25% discount on vPost shipping fees via air shipments to Singapore. Altogether, you can earn up to S$60 every month with no minimum spend limit imposed. You get to enjoy all these benefits with your first two year’s annual fee waived off. 

Annual Interest Fee and Rate

S$192.60 / 26.90%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non Singaporean: S$60,000

APPLY NOW!

DBS Live Fresh Card

Do you love to keep up with the fashion trends? Then, DBS Live Fresh Card is your optimum choice. Upgrade your online shopping experience with this credit card. For both online and in-store purchases of S$600 and above, you get to enjoy up to 5% cashback. This means that you can earn S$60 every month for successful transactions made online, through Visa cashless payments, and other spends. 

As a part of this card’s benefits, you get 0.3% cashback rate on every transaction made with no minimum spend limit. Don’t miss the chance to earn S$150 cashback as a new DBS Live Fresh credit card user. There are also promotional deals at Klook, Pomelo Fashion, and Nike stores. 

Avid gamers can also benefit from this card. You get to enjoy exclusive deals at PRISM+ and Reality Lift Arena. What’s more, this card comes with a first annual fee waived off. 

Annual Interest Fee and Rate

S$192.60 / 26.80%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non Singaporean: S$45,000

APPLY NOW!

 

OCBC Titanium Rewards Card (Blue or Pink)

For people who have just started a family, you will enjoy rewarding perks with OCBC Titanium Rewards card. You can perform online purchases on home appliances, new furniture, baby products, clothes, shoes and so on. For every S$5 that you spend on successful transactions, you can earn 50 OCBC$. You also can earn 5 OCBC$ on every other expense made.  

This means that you can earn up to 120,000 OCBC$ every year. Surely with the rewards gained you can redeem your points from OCBC. You can get instant redemptions with your OCBC$ to e-vouchers at Zalora, FairPrice, Grab, Singapore Airlines and get S$50 Titanium Cash. 

But, if you have nothing interesting to collect, you can certainly use the OCBC$ as your miles points. Every 10 OCBC$ is equivalent to four miles. There’s an additional rebate of 2% on every S$5 you spend at BEST Denki. More importantly, this card also provides you e-commerce protection against damaged good or fraudulent transactions by the seller. 

Annual Interest Fee and Rate

S$192.60 / 26.88%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non Singaporean: S$45,000

APPLY NOW!

 

UOB YOLO Credit Card

With a weekend full of entertainments and parties planned, you need UOB YOLO as your best companion. With a minimum spend of S$600 per month, you can earn up to 8% cashback on food, entertainment, and online shopping. Since it is a party card, you can earn the maximum rewards during the weekends. 

There is a 3% cashback deal for your online shopping purchases. Plus, you will be able to enjoy a 26% discount at Zalora, Lazada, and Shopee! There are also discounts up to 13% at Expedia, Agoda and so on. With all these cashbacks, you can easily earn S$60 every month. For every other expense, you get 0.3% cashback each time you shop. 

The same cashback rate of 3% applies on all your online travel transactions. You also get free travel insurance coverage of up to S$500,000 per year. Plus, your first year annual fee will be waived off. 

Annual Interest Fee and Rate

S$192.60 / 25.90%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non Singaporean: S$40,000

APPLY NOW!

 

The best way to shop online

When you use one of these top five credit cards as you shop online in Singapore, you are rewarding yourself with the best online shopping experience. Besides spending, you are also earning. It is the best of both worlds with these online shopping credit cards.