Best credit cards for online shopping 2018

Daily News Egypt
10 Min Read
Hand with credit card swipe through terminal for sale in supermarket


Trying to imagine life without the internet is next to impossible. Actually, it would be a life that you wouldn’t even want to imagine.

Today, every single thing we do is in some way or the other dependent on the internet.

We go online to pay bills, make investments, and of course, to shop! And let’s be honest, online shopping is so much more convenient than having to go to a retail store. No more having to wait in a queue or having to rush to a store before it closes. Online shopping ensures that everything you could ever want is at your fingertips – even at 3 am.

So, it comes as no surprise that the preferred mode of payment for online shopping is the trusty old credit card. But did you know that there are credit cards in Singapore specifically made to reward you each time you shop online?

So, in 2018, reward yourself with something nice by using these seven credit cards that only offer you the best:

1.     Citi Rewards Card


The Citi Rewards Card was made keeping the online shopping expert in mind. Here’s what you get with this card:

  • Shop to your heart’s content at Lazada and earn 20X rewards or 8 miles for every S$1 that you spend. This offer is valid until 8 July 2018, so time to get shopping!
  • Don’t be too upset if you can’t take advantage of the Lazada promotional offer, because each time you buy clothes, bags, shoes, or accessories from an online retailer in Singapore or abroad, you end up earning 10X rewards for every S$1 that you spend.
  • As a Citi Rewards Card holder, you also enjoy discounts such as 10% off on purchases made on IN GOOD COMPANY’s website.


Things to note:

  • Annual fee: S$192.60 (waived for the first year).
  • No minimum spending .
  • Your points are valid for 5 years!


2.     DBS Woman’s World Card


Contrary to its name, both men and women can apply for the DBS Woman’s World MasterCard. And if you are someone who loves shopping online, then you should consider getting this card. Why, you ask? Well, just take a look at the features this card offers:

  • You earn 10X DBS points or 20 miles for every S$5 that you spend online. This means that you earn 2X DBS points or 4 miles for every S$1 that you spend when you indulge in some online retail therapy!
  • If you are looking to make a big-ticket purchase online, then you can take advantage of their 0% interest instalment plan (My Preferred Payment Plan), which allows you to shop now and pay later! This is valid only on plans with a tenure of up to 12 months and until 31 December 2018.
  • Until 31 December 2018, you also get 15% off when you spend a minimum of S$100 at All you need to do to get this discount is apply the promo code “DBS2018” before you make your payment.


Things to note:

  • Annual fee: S$192.60 (waived for the first year).
  • Charge a minimum of S$25,000 to your card to get the annual fee waived for the second year.
  • The 10X DBS points are awarded only for the first S$2,000 you spend online each month.


3.     OCBC Titanium Rewards Card


If you buy almost everything online, then this is the card for you. Unlike some cards that reward you only when you shop for clothes and accessories, the OCBC Titanium Rewards Card gives you great rewards for absolutely everything.

  • You get 10 OCBC$ per S$1 when you shop online for clothing and accessories, electronics, and personal care.
  • You also enjoy e-commerce protection. This way you are safeguarded from defective goods or non-delivery of purchased goods.


Things to note:

  • Annual fee: S$192.60 (waived for the first 2 years).
  • Subsequent fee waivers are applicable if you charge a minimum of S$10,000 on your card per year.
  • There is no minimum spending criteria to be met.


4.     HSBC Revolution Credit Card


If your love for dining is only overshadowed by your love for shopping online, then this is the card for you. It rewards your dining spending and, of course, your online shopping spending!

  • You get 5X rewards points for every S$1 that you spend on online shopping.
  • You also get to enjoy 25% off regular priced goods at


Things to note:

  • Annual fee: S$160.50 (waived for the first 2 years).
  • No minimum spending
  • Rewards points are valid for 3 years.


5.     Standard Chartered Spree Credit Card


Standard Chartered understands how much you love going on a shopping spree. This is why they decided to name a credit card after this immensely fun experience! If you get this credit card, then you can go on an online shopping spree and enjoy the following:

  • 3% cashback when you spend S$1 in a foreign currency online.
  • 2% cashback for every S$1 you spend on online spending in Singapore.
  • The card also comes with an Online Price Guarantee. So, if you buy a product online only to find that the exact product is being sold on a different website at a lower price, 50% of the price difference will be reimbursed to you! (Valid until 30 October 2018).


Things to note:

  • Annual fee: S$192.60 (waived for the first 2 years).
  • No minimum spending
  • Cashback is capped at S$60 per month.
  • For the Online Price Guarantee to be valid, the minimum difference in price between the two items should be S$50.


6.     OCBC FRANK Credit Card


Are you someone who is glued to either your computer screen or your mobile screen? Are you a young adult looking for the best offers without having to spend too much? Well, then the OCBC FRANK Credit Card is the one for you. Check out these features and benefits:

  • From clothes to gadgets, you can shop until you drop, because every S$1 that you spend online will earn you a cash rebate of 6%.
  • And here’s the kicker—all online purchases made via PayPal are also eligible for this 6% rebate!


Things to note:

  • Annual fee: S$80 (waived for the first 2 years).
  • To earn the 6% cash rebate, you need to spend a minimum of S$400 on offline transactions. Otherwise, you only earn 0.3% as cash rebate.
  • The cash rebate you can earn is capped at S$60 per month.


7.     BOC Zaobao Credit Card


BOC’s Zaobao Credit Card is one of the credit cards in Singapore that offer a high cash rebate on online shopping. And this is especially noteworthy because the card wasn’t created for online shopping! Nevertheless, it is a great online shopping card. Here’s why:

  • Every S$1 you spend on online shopping gets you a cash rebate of 10%!
  • If you love shopping on online platforms based in China, then you also enjoy the flexibility of paying in RMB at no additional charge.


Things to note:

  • Annual fee: S$190 (waived for the first 2 years).
  • You have to spend a minimum of S$600 each month to be eligible for the rebate.
  • The cash rebate you earn is capped at S$80 per month.


If your DNA is that of a smart online shopper, be sure to use one of these credit cards while shopping. Because, with these cards, you aren’t just guaranteed a parcel at your doorstep, but you are also guaranteed cashback and rewards!

So, basically, with the right credit card, you can indulge in retail therapy and be rewarded for it! If that isn’t the ultimate dream, then what is?


Author Bio:


Nidhi Mahajan is a content writer, and she loves to write about Business and Finance. For more information, you can contact her at [email protected]

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