Fuss-Free Cards With Almost No Requirements Nor Minimum Spend

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

Don’t want to micromanage your credit card spending, or fulfil troublesome requirements? That doesn’t mean we should just settle for a paltry 1.5% cashback rate, or a poor 1.2 miles per dollar earn rate on our spend.

Here are some cards that would give you at least 2% or more in rebates on most types of spends without requiring you to jump through hoops to get your card rewards. Just in time too, since GrabPay Mastercard no longer gives a fuss-free 2.9% in rebates like it used to.

HSBC Advance

HSBC Advance gives 1.5% cashback if you spend less than S$2,000 within a month without any minimum spend. Sounds just like any other 1.5% cashback card out there, but spend at least S$2,000 and you will get a more decent 2.5% cashback rate.

There is a maximum cashback of S$70 per month, which means you shouldn’t put more than S$2,800 of spending on this card in a single month. That should be roomy enough unless you are a very big spender.

On top of that, if you are able to meet the requirements of HSBC Everyday+ programme, you get an additional 1% cashback, making it possible to get 3.5% cashback from this card. To qualify for this, you will need an HSBC EGA account and fulfil the requirements, basically depositing S$2,000 of fresh funds and performing at least 5 eligible transactions with your card each month.

HSBC
Advance

🔥 👍🏼

New to bank
Choose:

  • Receive a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or
  • S$200 cashback

Existing cardmembers receive S$50 cashback

Important:

  • Make a min spend of S$500 by end of the following calendar month from the card account opening to be eligible for the reward
  • Consent to receive marketing/promotional materials.
  • Use handphone number’s final 4 digits as application reference number for SingSaver’s form

Valid till 30th April 2023

Get up to 3.5% cashback on eligible transactions

HSBC Revolution

Another HSBC Card that would get you a decent earn rate without minimum spend is the HSBC Revolution. The HSBC Revolution gives you 10 points per dollar spent on eligible transactions, and that is equivalent to 4 miles per dollar – about the highest miles earn rate you can get these days. Since points can also be converted into cash rebate, 10 points per dollar also represents a 2.5% cashback earn rate.

You shouldn’t spend more than S$1,000 per month on this card because anything beyond this figure earns only 1 point per dollar spend. That’s a tiny 0.25% cashback equivalent.

Like the HSBC Advance, the HSBC Revolution is also eligible for the HSBC Everyday+ programme which gives additional 1% cashback.

HSBC Revolution

🔥 👍🏼

New to bank
Choose:

  • Receive a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or
  • S$200 cashback

Existing cardmembers receive S$50 cashback

Important:

  • Make a min spend of S$500 by end of the following calendar month from the card account opening to be eligible for the reward
  • Consent to receive marketing/promotional materials.
  • Use handphone number’s final 4 digits as application reference number for SingSaver’s form

Valid till 30th April 2023

Get 10X points on eligible Paywave and online transactions. Annual fee waived for life. Tap here for the review

Citi Rewards + Instarem Amaze

Citi Rewards is typically an online spend card, but paired with the Instarem Amaze, it can be used for offline purchases to also get its 10 points per dollar earn rate. All you have to do is to add your Citi Rewards card to the Instarem app and use your Amaze card in retail stores.

Just like HSBC Revolution, 10 points can be converted into 4 miles, or into cash rebate. Converting Citi’s ThankYou points into cash rebate results in a 2.27% cashback earn rate, but if you opt for vouchers it can become around 3% in rebates. You can check out the review for more details.

Like the HSBC Revolution, the maximum amount you should put on this card per month to get its high earn rate is S$1,000.

Citi Rewards

🔥 👍🏼

Choose to get Citi Promo:

⚠️ Fill in this Google form to track promo fulfilment

Until 31st March 2023


Or, choose Singsaver Promo:

Choose:

  • Dyson V8 Absolute™ (worth S$609)
  • Sony WH-1000XM5 (worth S$575)
  • Flujo Ayla Ergonomic Office Chair (worth S$1,139)
  • S$300 Cash via PayNow

⚠️ Fill in SingSaver form found in email

Until 2nd April 2023

Terms and Conditions

  • Promotion valid only for new card members
  • Verification of reward eligibility can take 120 days
  • All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts
  • Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval
  • Reward may be retracted or cancelled if the card is cancelled before this 12-month period
  • No promotion for existing card members
  • Terms and Conditions apply (download a copy for your future reference)

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application; no form no reward
  3. Promo code field can be left blank
  4. Fulfil requirements as stated in terms and conditions

Credit card terms and conditions
Banking account terms and conditions
Priority banking terms and conditions

Get 10X ThankYou Points (4 mpd or 2.27% cashback) on online and shopping transactions. Read the review here

StanChart Spree

StanChart Spree gives 2% cashback on Paywave and online transactions – covering practically most areas of spend. It also directly credits the cashback to your next statement, and unlike HSBC Revolution or Citi Rewards does not need an additional step of redeeming your points for cash rebate.

Seth
Seth

Tap here for a bunch of places to put savings for higher returns!

Get 5 free shares just by getting Webull and funding any amount! No trade required!

UOB Absolute + GrabPay Mastercard

Update: UOB absolute reduced cashback on Grab top-ups to 0.3% from 15th January 2023

Despite the nerf, GrabPay Mastercard might not be totally dead yet, at least for people who really want fuss-free cashback. Topping up your GrabPay Mastercard with your UOB Absolute for 1.7% cashback (or Amex True Cashback for 1.5%) is perhaps the easiest way to get your rewards… although at 1.7% cashback it is little better than 1.5% cashback cards.

Nevertheless, this combo gives you a few advantages: one, you sidestep the issue of having fewer merchants that accept American Express cards in Singapore since GrabPay Mastercard, as the name suggests, is a Mastercard with relatively more widespread acceptance.

Two, there is no doubt that you would get your cashback when you top up your Grab wallet with the UOB Absolute. While 1.5% cashback cards should give their rewards on a wide range of expenditure, there are still many common exclusions that do not even get the low 1.5% cashback rate. Insurance, for instance, is excluded by almost every credit card in the market.

Cards to top up Grab

Get 1.5% cashback on Grab top-ups with the Amex True Cashback Card.

Amex
True Cashback

 New to Amex

Receive*

3% cashback on first $5,000 of spend (Grab top ups get 1.5% instead)

Conclusion

The earn rates on these cards are not terribly exciting, but there is a price for convenience. For cards with better rewards, do check out my tier list of cards with the highest earn rates.

Any cards you think should have made this list? Let us know in the comments below, or in the Telegram!

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