Cashback -

: These cards offer much higher rates—often 5% to 10% —but only for specific categories like dining, groceries, or petrol.

Credit cards in Singapore generally follow one of two main earning models: cashback

: Offers one of the highest flat rates at 1.7% and famously includes typically excluded categories like insurance and school fees. : These cards offer much higher rates—often 5%

: Provides 1.6% unlimited cashback with no expiry. cashback