Best Cards to Use For Electronics

💳 This is part of the “The Best Cards to Use” series. Tap here for more great cards to use in other areas of spend!

Buying a new laptop, TV, or iPhone 15? Here are the best cards you can use.

Buying online

Plenty of cards give bonus on online purchases. You should take note of the maximum cap of each card for rewards. Given that electronics tend to be pricier, OCBC Titanium Rewards and Citi SMRT cards should work quite well as their caps go by year rather than month.

You should also try Shopback to see if your merchant is listed as one of the Shopback partners so that you can get extra cashback.

CardApplyEarn RateLimitRemarks
OCBC Titanium RewardsApply4 miles per dollar / 2.78% cashbackS$13,335 per yearFor online/physical stores with MCC 5732

⚠️ Note that card will not be suitable from 1st November 2023.
Citi SMRTApply5% cashbackS$12,000 per yearOnline only
DBS Woman’s WorldApply4 miles per dollar / 2% cashbackS$2,000 per monthOnline only
KrisFlyer UOBApply3 miles per dollarUncappedOnline or via Amaze/Kris+
HSBC AdvanceApply1.5% cashback
2.5% cashback (min spend of >S$2,000)
S$2,800 per month
HSBC RevolutionApply4 miles per dollar / 2.5% cashbackS$1,000 per month Online or Paywave
UOB Preferred Platinum Visa4 miles per dollar / 2% cashbackS$1,110 per month Online or Mobile Wallet (e.g. Apple Pay)
Citi RewardsApply4 miles per dollar / 2.27% cashbackS$1,000 per month Online or via Amaze
UOB EVOLApply6.67% cashbackS$350 per monthMin spend of S$600 required

Buying from stores

When you buy from stores, you should check whether they accept payment methods like Kris+ or FavePay for extra rewards.

CardApplyEarn RateLimitRemarks
Kris+Apply
Code W159000
Bonus 1-2 miles per dollarUncappedFor merchants that accept Kris+ payment.
Works with all the cards in the online category
FavePayApplyBonus cashbackUncappedFor merchants that accept FavePay payment.
Works with all the cards in the online category except DBS cards
UOB Visa Signature4 miles per dollar / 2.3% cashbackS$2,000 per monthPaywave terminal only
Minimum spend of S$1,000
HSBC AdvanceApplyS$2,800 per month
HSBC RevolutionApply4 miles per dollar / 2.5% cashbackS$1,000 per month Online or Paywave
UOB Preferred Platinum Visa4 miles per dollar / 2% cashbackS$1,110 per month Online or Mobile Wallet (e.g. Apple Pay)
Citi RewardsApply4 miles per dollar / 2.27% cashbackS$1,000 per month Use with Amaze
UOB EVOLApply6.67% cashbackS$350 per monthMin spend of S$600 required

Buying from telcos

When you are buying phones from telcos, most of the cards above that work with store purchases should work too. DBS yuu is a notably good card to use if you are buying from Singtel shops.

CardApplyEarn RateLimitRemarks
DBS yuuApply4.5 to 17.5% rebatesS$600 (for 17.5%)
Uncapped (for 4.5%)
For Singtel shop only
UOB Visa Signature4 miles per dollar / 2.3% cashbackS$2,000 per monthPaywave terminal only
Minimum spend of S$1,000
HSBC AdvanceApply1.5% cashback
2.5% cashback (min spend of >S$2,000)
S$2,800 per month
HSBC RevolutionApply4 miles per dollar / 2.5% cashbackS$1,000 per month Online or Paywave
UOB Preferred Platinum Visa4 miles per dollar / 2% cashbackS$1,110 per month Online or Mobile Wallet (e.g. Apple Pay)
Citi RewardsApply4 miles per dollar / 2.27% cashbackS$1,000 per month Use with Amaze
UOB EVOLApply6.67% cashbackS$350 per monthMin spend of S$600 required

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3 thoughts on “Best Cards to Use For Electronics

  1. Hi Seth, thanks for your tireless work as always. I think we can also include HSBC Advance with Everyday+ which gives 3.5% on up to $2,800/mth?

  2. Hi Seth, maybe it’s worth highlighting that Amex Platinum Charge offers free insurance on Purchase Protection and Extended Warranty. This could prove more valuable than cashback or miles depending on purchase amount.

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