Why would you pick one credit card over another if they both offer 4 miles per dollar?
Are the features advertised on the provider’s websites sufficient to compare which card to go for?
This is when you’ll need real-user reviews to get into the intricacies of using a certain credit card.
Fortunately for you, we have compiled a credit card reviews list of some of the best miles, rewards and cashback cards so you can take it a step further to make a well-informed decision!
TL;DR: The Ultimate Credit Card Reviews List
While it is easy to find out about the basic features of a credit card such as the cashback rate, or miles per dollar, it isn’t as easy to know about the entire experience of using a credit card.
If you’re someone who wants to choose the best credit card not just for earning rewards but also a fuss-free user experience, this is where reading reviews of credit cards will help you out!
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How Reviews Help You Choose The Best Credit Card
As someone with experience in almost every major bank’s credit cards and systems, reviews are the final factor when it comes to choosing a credit card.
Just a few months back, I was looking for an unlimited cashback card. For the uniniated, these cards award cashback with no cashback caps, minimum spending, and cover virtually all Merchant Category Codes (MCCs), save for the usual exclusions such as insurance payments.
Most of the cards on the market offer between 1 per cent to 1.7 per cent cashback with the same key features mentioned above.
Like anyone else, I thought to myself, “Why not just go for the highest cashback?”
But based on my previous experience with the UOB Absolute Cashback card with the highest cashback at 1.7 per cent, I realised that the rate itself isn’t sufficient reason to make it the best for me (it was an American Express card which isn’t as widely accepted as Mastercard or Visa).
It was thus down to Mastercards or Visa cards.
After a quick look on SeedlyReviews, I realised that the Standard Chartered SimplyCash had the best reviews despite having the typical 1.5 per cent cashback rate which is lower than the 1.6 per cent Citi Cash Back+ Card.
This made me very curious as to why it was so. Thanks to the Seedly users reviewing the cards, I realised that the SimplyCash was exactly that: simple. It credits your cashback on the next statement month automatically. Meanwhile, the Cash Back+ Card can only be redeemed in blocks and you needed to do that manually.
That simplicity for me was worth way more than the 0.1 per cent cashback difference.
Of course, you might say that I’m working for Seedly and hence shilling SeedlyReviews. However, I have been using Seedly even since before I started my career here. So this is really just friendly advice!
Similarly, with reviews from SeedlyReviews or any other platform, they can help you sus out the subtle nuances to a credit card experience. So here are the reviews for some of the popular credit cards in Singapore!
Miles & Rewards Credit Cards
Click on the credit card to see reviews
| Credit Card | Description |
|---|---|
| UOB Lady's Card Apply Now UOB Lady's Solitaire Card | Great miles card for one (or two for Solitaire) of seven preferred categories (Beauty & Wellness, Fashion, Dining, Family, Travel, Transport, and Entertainment) |
| Citi Rewards Card Apply Now | Great rewards card for online transactions, online groceries, ride-hailing and online food delivery. |
| HSBC Revolution Apply Now | Great rewards card for contactless spending and online transactions with no annual fees. |
| OCBC Titanium Rewards Card Apply Now | Great rewards card for online and retail transactions with an annual spending limit. |
| UOB Preferred Platinum Visa Card | Great miles card for mobile contactless spend, online shopping and entertainment. |
| UOB Visa Signature Card | Great miles card for overseas spend, petrol, dining and groceries. |
| Standard Chartered Smart Credit Card Apply Now | Great rewards card for public transport, subscriptions and fast food. |
| DBS Woman’s World Card Apply Now DBS Woman’s Card Apply Now | Great miles card for online shopping and overseas purchases. |
| Maybank Horizon Visa Signature Card | Miles card for restaurant dining, petrol, transport (not public), hotel bookings at Agoda and travel. |
| DBS Altitude Visa Signature Card Apply Now DBS Altitude American Express Card Apply Now | General miles card that usually offers generous bonus miles upon sign-up with bonus miles on partner hotel transactions. |
| Citi PremierMiles Mastercard Apply Now Citi PremierMiles Visa Card | General miles card with plenty of benefits such as free lounge access and miles that never expire. |
| UOB PRVI Miles Mastercard Apply Now UOB PRVI Miles Visa Card Apply Now UOB PRVI Miles AMEX Apply Now | General miles card with bonus miles on partner hotel and flight transactions. |
| OCBC 90°N Mastercard Apply Now OCBC 90°N Visa card Apply Now | General miles card that earns bonus miles on Agoda and miles that never expire. |
| AMEX Singapore Airlines KrisFlyer Credit Card Apply Now AMEX Singapore Airlines KrisFlyer Ascend Credit Card Apply Now | General miles card with no miles conversion fees under the Krisflyer programme. |
| OCBC VOYAGE Card | General miles card with plenty of benefits such as free lounge access and miles that never expire. |
| Citi Prestige Card | General rewards card with plenty of benefits such as free lounge access and complimentary golf games. |
| The American Express® Platinum Credit Card Apply Now | Rewards card with plenty of benefits and points that never expire. |
| Standard Chartered Journey Credit Card Apply Now | Miles card for transportation, food delivery and online grocery merchants with free lounge access. |
Cashback Credit Cards
Click on the credit card to see reviews
| Credit Card | Description |
|---|---|
| DBS Live Fresh Apply Now | Great cashback card for daily expenses on online spending, contactless spending, and green spend. |
| UOB EVOL Apply Now | Great cashback card for daily expenses on online spending and contactless spending. |
| OCBC 365 Apply Now | Great cashback card for daily expenses on dining, online food delivery, petrol, groceries, telco & electricity bills and more. |
| Maybank Family & Friends Apply Now | Great cashback card for a wide variety of categories. |
| Citi SMRT | Great cashback card for online, groceries, taxis, PHVs & public transport. |
| UOB One Apply Now | High base cashback card with bonus cashback on selected partners. |
| HSBC Revolution Apply Now | No minimum spend cashback card on a wide variety of categories. |
| Standard Chartered Simply Cash Apply Now | Unlimited cash back card with cash back credited on the next statement month. |
| CIMB World Mastercard Apply Now | Unlimited cash back card on dining, entertainment, automobile, and retail spend. |
| DBS Safra Card | Cash rebate card on contactless and online spend. |
| DBS Takashimaya American Express Card | Bonus Takashimaya points when you spend at selected stores. |
| OCBC NXT Credit Card Apply Now | Cash rebates card with interest-free auto-instalments. |
| HSBC Advance Credit Card Apply Now | Cashback card with no minimum spend, but with bonus cashback if you do hit a minimum spend. |
| Maybank Manchester United Platinum Visa Card Apply Now | Unlimited cashback card with bonus cashback and bonus TREATS points if your club wins. |
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