Best Cashback Cards to Use in 2026
Last Updated: 18th February 2026
Looking for great cashback cards to offset your expenses? Here are the best cashback cards to use in late 2025. Sign up below and you even get attractive welcome gifts like cash or gadgets.
Prefer miles instead? Check out the best cards for miles, or pick a category below for cards best suited for that particular area of spend.
DBS yuu: 18% rebates on partnering supermarkets, food delivery app, ride-hailing service and more
| Info | |
|---|---|
| Earn Rate | 9X yuu Points (with no min. spend) + 1X yuu Point from yuu App (worth 5% rebates) 35X yuu Points (with S$800 min. spend) + 1X yuu Point from yuu App (worth 18% rebates) |
| Great For | Giant, Cold Storage, Singtel bills, foodpanda and other yuu merchants SimplyGo |
| Min. Spend | S$800 per month |
| Max. Spend | S$822.85 per month (bonus 28,800 points worth S$144) |
DBS yuu isn’t exactly a cashback card, but when a card gives as much as 18% rebates, it is hard not to pay attention. DBS yuu and yuu App together award as much as 36X yuu Points, and when each yuu Point can be used to redeem vouchers at 0.5 cents each, you are getting 18 cents of value for every dollar spent on eligible merchants.
Eligible merchants are restricted to a fixed list of yuu Partners, but when the rebates are this high, changing one’s preferred supermarket, food delivery app, and ride-hailing service can make a lot of sense.
DBS yuu Card
DBS yuu Card is an excellent card that gives up to 18% cash rebates or 10 miles per dollar (in conjunction with the yuu app)
🎁 New Cardholders
Apply as a new cardholder by 31st August 2026, use promo code SINGSAVER, and fill up the SingSaver Rewards Form to choose your gift¹:
HeyMax account required for Max Miles. You can also top up for more gift options. Tap Apply to see more details on the landing page.
Minimum spend of S$500 within 30 days from card approval is required to be eligible for rewards.
⚠️ Important Steps
- Make sure to apply with the promo code and fill up the SingSaver Rewards Redemption Form. No form means no reward, so do not miss this step.
- Maintain valid DBS PayLah! account by the end of the Qualifying Spend period to be eligible for the reward.
- Make a minimum spend of S$500 within 30 days of card approval.
Terms and Conditions: [1]
For reference only; refer to exact details in terms and conditions
Citi SMRT: 5% cashback on online transactions without monthly cap
| Info | |
|---|---|
| Earn Rate | 5% cashback (0.3% base + 4.7% bonus) |
| Great For | Online transactions (especially big amounts) Supermarkets Bus and MRT rides Malaysian Ringgit spend (until 28th February 2026) |
| Min. Spend | S$500 per month |
| Max. Spend | S$12,000 per year (S$600 cashback) |
Citi SMRT offers 5% cashback on online purchases which may not seem impressive at first, but it finds its way high on any best cashback card list simply because it gives its cashback without a monthly cap. Instead of limiting cardholders to just S$1,000 of spend or so per month, Citi SMRT has an annual cap of S$600 cashback instead. Cardholders can spend as much as S$12,000 in a single transaction and get 5% on the entire amount, making Citi SMRT extremely good for large expenses.
One downside is that Citi SMRT does not work for travel-related expenses, which is a bummer since flights and hotels are usually bigger in amounts, but it is still great for buying things like furniture, electronics, and other big-ticket items online. It doesn’t need to be expensive items either, since the monthly minimum spend of S$500 is relatively low and you can even get 5% off things like in-person supermarket spend, Malaysian ringgit spend (until 28th February 2026), and bus/MRT rides.
HSBC Live+: 8% cashback on up to S$3,125 spend for new cardholders
| Info | |
|---|---|
| Earn Rate | New cardholders: 8% cashback (for first 2 quarters, card must be issued by 31st March 2026) Normal earn rate: 5% cashback |
| Great For | Shopping Dining Fuel (5% cashback) |
| Min. Spend | New cardholder’s first quarter: S$1,000 within the quarter Normal: S$600 per month for a quarter |
| Max. Spend | 8% cashback: S$3,125 per quarter (S$250 cashback) 5% cashback: S$5,000 per quarter (S$250 cashback) |
Not only does HSBC Live+ offer a stunning 8% cashback for new cardholders, the first quarter in which your HSBC Live+ is issued also has simplified spending requirements. If your card is approved in February 2025, you just need to spend at least S$1,000 by 31st March 2025 and you can get 8% on your spend.
Since the cashback cap per quarter is S$250, you can also spend as much as S$3,125 and get 8% cashback on the entire amount.
The 8% cashback is for cards issued before 31st March 2026, though HSBC has extended this a couple of times before. Stay subscribed for updates.
Get S$450 or 26,000 Max Miles upsized S$500 or 28,000 Max Miles with HSBC Cards! Limited time only, tap here to see eligible cards
DCS Flex: relatively easy 6% cashback on contactless and online transactions
| Info | |
|---|---|
| Earn Rate | 6% cashback for contactless and online transactions 8% for foreign currency transactions |
| Great For | Contactless and online transactions Foreign currency transactions |
| Min. Spend | S$600 per month |
| Max. Spend | S$416.67 for contactless (S$25 cashback) S$416.67 for online (S$25 cashback) S$312.50 for foreign currency transactions (S$25 cashback) |
if you want a cashback card that is easy to use, DCS Flex is a good option. Unlike the other cashback cards on this list that requires your spend to be of certain Merchant Category Codes (MCC), DCS Flex just requires your transactions to be done via contactless payment or online transactions.
There is a minimum spend of S$600 within the month to get 6% cashback (or 8% cashback for foreign currency transactions), and you have to try not to exceed the spend cap for each category, but aside from these requirements the card is pretty straightforward to use.
Maybank XL: 5% cashback even on travel-related expenses!
| Info | |
|---|---|
| Earn Rate | 5% cashback |
| Great For | Dining Shop Travel Play (entertainment transactions) Foreign currency spend |
| Min. Spend | S$500 per month |
| Max. Spend | S$1,600 per month (S$80 cashback) |
5% cashback again isn’t an exciting figure, but Maybank XL Cashback is the best cashback to use for travel-related expenses right now. Where most other cards with high casback rates do not support flights or hotels, Maybank XL Cashback gives its 5% rate on airlines, hotels, and travel agencies. It even gives 5% cashback on foreign currency spend, more than offsetting Maybank’s usual 3.25% forex fee.
The minimum spend is S$500, and the maximum cashback you can get each month is S$80 which makes the card good for S$1,600 of expenses each month.
Maybank XL Cashback
Get 5% cashback on dining, shopping, and even travel expenses — yes, 5% cashback on flights and online travel agency bookings! See first look here.
Annual fee: S$87.20 (waived for first 2 years)
🎁 New Cardholders
Get S$10 cashback by making one transaction with no minimum spend!
Plus earn up to S$100 bonus cashback monthly (up from S$80 bonus cashback per month)
⚠️ Important Steps
- Apply for the card with link provided (you may need to turn off content blockers)
- Make at least one transaction within 30 days from card approval
For reference only; refer to exact details in terms and conditions
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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