With costs rising across the board, it’s never been more crucial to make your spending work harder for you. Credit cards, when used wisely, can help maximise your savings and unlock valuable rewards like cashback, airline miles, or exclusive perks. But what if you could take those benefits even further?

That’s where MoneySmart Rewards comes in. By simply signing up for a free MoneySmart account and applying for financial products on the platform, you’ll earn SmartPoints, which you can then use for a variety of rewards, including electronic gadgets like the latest Apple iPhone 16 Pro, KrisFlyer Miles, and even GetGo vouchers. 

These rewards are stacked on top of the existing benefits you receive with your chosen credit card. And since the process is completely free, you’re getting extra value without spending an extra dollar. Not sure where to start? Explore these top credit card picks and turn every dollar into bigger rewards with MoneySmart.

The best credit cards for shopping

01 • Citi PremierMiles Card

No matter where you are, the Citi PremierMiles Card is your versatile miles credit card, perfect for all your travel, shopping, and everyday needs—offering exceptional rewards wherever life takes you. This reliable card promises 1.2 miles per $1 (mpd) on local spend and 2.2 mpd, as well as up to 10 mpd on select online travel bookings.

If you’re a regular GetGo user, you’ll consistently earn 1.2 mpd on every car rental, effectively turning your driving into miles to help fund your next holiday abroad!Best of all, your hard-earned miles are yours to keep, with no cap or expiration on the Citi Miles you earn.

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02 • UOB Lady's Card

Owning a well-rounded, general spending credit card is convenient, but it isn’t always the most effective in racking up rebates quickly—especially when it comes to rewards points and air miles. Knowing your spending habits and preferences can help you earn more, faster. If you consistently spend in specific categories each month, why not make the most of it and maximise your reward points and miles? 

With the UOB Lady’s Card, earn up to 25x UNI$ for every $5 spend on your chosen category(ies), which is equivalent to 10 miles per $1 spend (mpd)! Notably, these bonus UNI$/miles are capped at UNI$1,800 or $1,000 spend per month. 

Choose from 7 categories, such as shopping and fashion, with the flexibility to enrol or switch every quarter—one category for the UOB Lady’s Card (and two categories for the UOB Lady’s Solitaire Card). Moreover, no minimum spend is needed to start earning bonus UNI$/miles right away! 

💡 Pro-tip: Select “Transport” as your enrolled category to start maximising your miles with GetGo!

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03 • Standard Charted Simply Cash Card

But what if you don’t have a consistent spending category each month? What if you need a general spending card that covers any and every shopping need? Fret not, the Standard Chartered Simply Cash Card works wonders.

Featuring 1.5% limitless cashback on almost all spend, this unlimited cashback card is ideal for individuals who want fuss-free cashback — with no minimum spend or cashback cap either. Truly, shopping doesn’t get any more straightforward than this! (And yes, this applies to your GetGo car rentals too!)

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The 3 best credit cards for dining

04 • HSBC Live+ Card

The HSBC Live+ Card is perfect for anyone looking to elevate their lifestyle. Cardholders get 8% off dining, shopping, movies at Golden Village, and streaming subscriptions. What’s more, you’ll enjoy an additional 15% off at specially curated Live+ Dining Programme restaurants all throughout Asia. 

So if you’re craving something new, this card opens the door to diverse dining experiences, from fine dining at Riviera to indulgent tapas at Sabio. Plus, kill two birds with one stone by driving your GetGo car to your favourite restaurants and earn cashback on your ride while enjoying a delicious meal.

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05 • Citi Cash Back Card

Credit cards can sometimes feel intimidating, but the Citi Cash Back Card makes it easy to earn rewards without the hassle. It’s one of Singapore’s most newbie-friendly cards, perfect for those looking for straightforward savings. When you spend at least $800 a month on the card, you’ll get up to 8% cashback on dining, grocery, private commute (alongside GetGo), and petrol.

Your cashback will automatically be credited as cash rebates, so redeeming rewards is a breeze. Additionally, the Citi Cash Back Card grants access to the Citi Gourmet Pleasures programme, offering up to 50% off dining and home-delivered meals. With new deals regularly available at different restaurants, you’re in for even more savings.

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06 • OCBC 365 Card

The OCBC 365 Card is a solid contender for everyday spending, covering transactions across dining, grocery shopping, petrol, land transport, Watsons, telco and utility fees, streaming services, and even EV charging. With a minimum monthly spend of $800 (capped at $80 cashback), enjoy 3% cashback on Watsons, streaming, and EV charging — along with 5% cashback on dining, including online food delivery via foodpanda, Deliveroo, and GrabFood. 

Double your monthly spend up to $1,600, and you’ll be likewise rewarded with twice as much cashback cap at $160. Plus, indulge in OCBC’s exclusive deals like $15 off your Amazon shopping, 18% off Agoda bookings, $10 Swensen’s return voucher, and more.

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The 3 best credit cards for GetGo users

07 • UOB EVOL Card

GetGo users already save with our affordable carsharing service, but what if you could save even more? The UOB EVOL Card offers 10% cashback on all online, mobile contactless, and overseas in-store spending with minimum $800 monthly spend. Since GetGo is an online service (classified as MCC 7512 – Car Rental Companies), this cashback can easily offset your carsharing expenses. 

What’s more, spending with the UOB EVOL Card lets you earn up to 6% p.a. interest on your UOB One account — worth approximately $6,000 per year. The savings just keep adding up with this card. 

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08 • DBS Woman's World Card

With a minimum annual income requirement of $80,000, the DBS Woman’s World Card may not be for everyone. That said, if you’re an avid online shopper, we highly recommend this card. For every $5 spent on online transactions, you earn 10x DBS Points (or 4 miles per $1). If you’re a frequent GetGo user, this card makes it easy to convert your booking payments to extra rewards.

That’s not all. If you’re constantly jet-setting overseas for some work trip or another, you’ll rack up points quickly and earn 3x DBS points for every $5 spent (or 1.2 miles per $1) on overseas transactions. The great rewards and miles conversion rates make this the perfect card for any working woman (or man) wanting to convert their time away from home to flights and other goodies.

09 • Maybank Platinum Visa Card

If you’re more of a girlboss- or boyboss-in-the-making, the Maybank Platinum Visa Card might be the move. It’s an excellent entry-level card with a low $300 monthly minimum spend. But don’t be fooled by the modest requirement—it offers great value. You’ll earn 3.33% cashback on all local, overseas, and insurance payments.

What’s more, the Maybank Platinum Visa Card also rewards you with up to $200 cashback quarterly depending on your monthly spending in that quarter, making it reliable for accumulating savings. Plus, the more you spend on GetGo and other services, the more cashback rewards you’ll get! 

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This article was sponsored by MoneySmart, a trusted partner in your personal financial journey. MoneySmart aims to empower you through its useful tools and content that help navigate the otherwise technical jargon-filled world of personal finance.

Have a story to pitch? Reach us at hello@getgo.sg. 

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