Best Shopping Credit Cards 2014

Which credit card is the best for shopping? This again depends on your shopping habits. Are you one who spends more on grocery shopping, fashion or prefers to do online shopping in the privacy of your home or likes to shop when you are overseas?

(1) Grocery Shopping

 

With the POSB Everyday Card, Singapore's favourite credit card, 
you will enjoy 5% rebate on groceries at Sheng Siong, 3% on personal care items at Watsons, 3% at Airasia.com, 1% on Comfort / Citycab taxi fares and HDB Season Parking fees, 1% on recurring utility bills with SP Services and Starhub telco bills and 0.3% on everything else as well as up to 17.55% savings at SPC. There is no minimum monthly spending criteria to earn the rebates on local spend unlike most other credit cards.

Also, you can get up to 2% cash rebate on your overseas spend, subject to a minimum total spend of S$1,000 within the same calendar month and capped at a maximum of S$5,000 overseas spend (equivalent to Daily$100) per calendar year.

You can also use it as your ez-link card to pay for your daily transport. When you sign up for EZ-Reload, an auto top-up facility for your ez-link card, you get a 2% cash rebate when charged to your POSB Everyday Card.

Click here to Apply Now and we will direct you to the official card issuer's website.

The Citibank Dividend Card promises more savings on petrol: up to 18.3% at Esso and 18.1% at Shell stations and 5% at all other petrol stations, up to 5% savings on all groceries at Cold Storage, Giant, Sheng Siong and all other supermarkets world-wide and health & beauty / pharmacies spend, up to 2% savings on all dining spend and 0.5% on all other spend. All eligible transactions under petrol, groceries, pharmacies and dining spend must be greater than $50, otherwise only 0.5% is awarded. There is no minimum monthly spending criteria to earn the rebates unlike most other credit cards. The annual award is capped at a maximum of $800 Bonus Dividend Dollars. Click here to Apply Now and we will direct you to the official card issuer's website.

Citibank SMRT Visa Platinum Card

Depending on whether your monthly statement spending is more or less than S$600 and whether your transaction amount is more or less than $50, you get to enjoy different rates of rebate up to 7% rebate on grocery at NTUC, Sheng Siong and Giant, up to 15% rebate on coffee at Starbucks, up to 2% rebate on your EZ-Link top up as you tap and go. On other spending, get 0.3% rebates. You also get to redeem your SMRT$ for vouchers and free rides.

Click here to Apply Now and we will direct you to the official card issuer's website.

HSBC Visa Platinum Credit Card now gives you more savings so you can enjoy more with your loved ones, making family moments even more valuable. Enjoy up to 5% cash rebates on groceries and petrol, and up to 2% cash rebates on dining under the Quarterly Cash Rebates Programme. On top of enjoying the cash rebates of up to 5% on petrol, you will also enjoy 14% instant petrol discounts at all Caltex and Shell stations. The rebates earned are subject to the conditions below.

 

Earn 1 Rewards point with every S$1 charged and reap the benefits of a 3-year validity period. That means more time to accumulate points for higher-value Rewards items. Plus, earn HSBC's Rewards points with your tax payment. Simply charge your taxes to your HSBC credit card to enjoy the convenience of consolidating your payments into one account.

You will receive a Sign up gift of American Tourister 3-piece luggage set + 2-piece accessory worth S$380. Online sign-up exclusive: additional S$20 cash rebate as well as a 2-year Annual Fee waiver.

Click here to Apply Now and we will direct you to the official card issuer's website.

OCBC 365 Credit Card
This card rewards with 6% cashback on weekend dining locally; 3% cashback on weekday dining locally, overseas dining, online spending (travel, fashion, movie tickets, etc.), groceries at all supermarkets & recurring telco bills; 0.3% on others (with min spend of S$600 in each calendar month, capped at S$80 per month). If you spend less than S$600, a flat 0.3% cashback is awarded. It also offers up to 18.3% fuel savings at Esso and Caltex petrol stations and 5% Cashback at all other petrol service stations.

Maybank Family & Friends Platinum MasterCard

Enjoy 5% cash rebates at selected merchant outlets plus earn 0.3% cash rebates on all other purchases. Selected merchants include Cold Storage; NTUC Fairprice/Finest/X-tra; FOX Kids & Baby; Mothercare; POPULAR Bookstores; Toys "R" Us; Yamaha Music; Canadian Pizza Delivery; KFC Delivery; McDonald’s Delivery; Pizza Hut Delivery; Guardian; Unity NTUC Healthcare; Watsons; LEGOLAND® Malaysia Resort tickets. To enjoy the 5% cash rebate at designated merchants on your Maybank Family & Friends Platinum MasterCard, a minimum spend amount of S$500 per calendar month is required. Otherwise, the 0.3% cash rebate will apply.

Receive a set of American Tourister 31” and 20” luggage when you apply for Maybank Family & Friends Platinum MasterCard and CreditAble now! The annual fee of S$80 is waived for the Principal Card for the first year and when you spend a minimum of S$12,000 p.a. in subsequent years. Supplementary Cards are free.

Click here to Apply Now and we will direct you to the official card issuer's website.
 

(2) Shopping at Departmental Stores

For shopaholics who cannot get enough shoes, clothes and bags, with the Citi Rewards Visa / MasterCard, you will earn 10 Citi$ for every S$1 spent both locally and overseas. This is capped at 120,000 Citi$ per year. On other spending, you will earn 1 Citi$ per S$1 spent. Click here to Apply Now and we will direct you to the official card issuer's website.

For those who like to shop at Robinsons, the OCBC Robinsons Credit Card is your best companion. Enjoy 5% cash rebate on any amount charged at Robinsons, Marks & Spencer and John Little on your monthly statement. Enjoy 10% cash rebate when you charge beyond S$5,000 during the qualifying periods. Be invited to members-only sales and events and enjoy up to 2 hours of complimentary parking every Saturday and Sunday at Centrepoint, Raffles City and The Heeren. Also, receive a 25% Robinsons Bonus Discount Letter when you charge a minimum of S$500 at Robinsons, Marks & Spencer and/or John Little during the qualifying periods (1 January to 30 June or 1 July to 31 December).

Earn 1 Robs$ for every S$2 charged outside of Robinsons, Marks & Spencer and John Little. Earn 2x Robs$ (3 Robs$ for S$2 spent) on overseas purchases and purchases made every last weekend of the month (Friday to Sunday). No annual fee is charged for the first year.

Click here to Apply Now and we will direct you to the official card issuer's website. 

For those who love shopping at Takashimaya, we have also have the DBS Takashimaya Visa Platinum Credit Card. It allows card holders to accumulate Takashimaya Bonus Points and redeem for gift vouchers. Every S$10 (in a single receipt) charged to your Takashimaya Visa Platinum Card at Takashimaya Department Store, including designer boutiques within the store, will earn you 1 Takashimaya Bonus Point. Accumulate 100 points (after charging S$1000 to your card) and you can redeem for a S$30 Takashimaya Gift Voucher(s) at the Customer Service Centre on Level 2.

Enjoy an additional 10% discount at the Takashimaya Department Store during selected sale events. Get on the VIP guest list for sale previews, special events, promotions and more.

Click here to Apply Now and we will direct you to the official card issuer's website. 

This is another card good for shopping at Takashimaya, the DBS Takashimaya Platinum American Express® Card. Every S$10 (in a single receipt) charged to this card at Takashimaya Department Store, including its high-end designer boutiques, earns you Takashimaya points. Simply accumulate 100 points (after charging S$500 to your card) and you can redeem S$30 Takashimaya Gift Voucher(s). That's equivalent to a 6% voucher rebate. This gives much better value than the Visa Platinum card above. Enjoy an additional 10% discount at the Takashimaya Department Store during selected sale events. Get on the VIP guest list for sale previews, special events, promotions and more.

Click here to Apply Now and we will direct you to the official card issuer's website. 
(3) Online Shopping

For those who prefer online shopping, DBS Woman's World MasterCard® Credit Card provides 10 DBS points for every S$5 spent on online purchases. This is capped at S$2,000 spending per month (ie. 4,000 DBS points) However, for local spend, only 1 DBS points for for every S$5 spent while 3 DBS points will be rewarded for every S$5 spent overseas. Click here to Apply Now and we will direct you to the official card issuer's website. 

(4) Overseas Shopping

For shopaholics who love to buy designer shoes, clothes and bags from Europe, US and airport duty-free shops, with the Citi Rewards Visa / MasterCard, you will earn 10 Citi$ for every S$1 spent both locally and overseas on shopping. This is capped at 120,000 Citi$ per year. On other spending, you will earn 1 Citi$ per S$1 spent. Click here to Apply Now and we will direct you to the official card issuer's website. 

UOB PRVI Miles Platinum American Express Card gives you 2.5 KrisFlyer miles for every S$1 (or equivalent to 6.25UNI$ for every S$5) of overseas spend. A further 20,000 KrisFlyer miles will be awarded for S$50,000 spent in a year. Charge a min of S$500 on air tickets, hotel or package within 3 months prior to date of travel and get unlimited limousine rides to the airport. However, points expire in 2 years and minimum income qualification is S$80,000 per annum. Click here to Apply Now and we will direct you to the official card issuer's website.

DBS Altitude American Express Card gives you 1.2 KrisFlyer miles for every S$1 of local spend and 2 KrisFlyer miles for every S$1 of overseas spend. Points never expire and there is no cap on spendings. The only gripe I have of the DBS programme is that it requires a minimum of 10,000 DBS Points to be converted to 20,000 KrisFlyer points which means a minimum spending of S$5,000 before any conversion is possible. That is, if you are looking to convert to KrisFlyer miles. Otherwise, the DBS points can be redeemed for shopping vouchers. The annual conversion fee of $42.80 allows you to make an unlimited no. of conversions in one year. Click here to Apply Now and we will direct you to the official card issuer's website.

Citi PremierMiles Visa Card has the same rewards as the DBS Altitude Amex Card but lower income qualifications of S$50,000 per annum versus S$80,000 for the latter. The PremierMiles card allows conversion at $25 at a minimum of 500 miles which makes it a lot more flexible than DBS. Citi Miles can be converted at over 70 airlines under KrisFlyer, Asia Miles, Royal Orchid Plus, SkyMiles, Executive Club, Enrich, Infinity MileageLands, Garuda Frequent Flyer and Etihad Guest frequent flyer programmes. You get 10,000 miles upon renewal of the card by paying annual fees of $192.60. If you wish to request for waiver of card fees, you will not get the bonus miles. I like it because there is no minimum monthly spending requirement and there is no cap on your spendings for which rewards can be earned. Click here to Apply Now and we will direct you to the official card issuer's website.

The above are some of the best shopping cards in the market. Have you found what is best for you?