Cashback Credit Cards in Singapore with No Minimum Spend
Did you know that some cashback credit cards have a monthly minimum spending requirement?
If you haven’t read the fine print and you are a low spender or do not have a fixed shopping budget, you might wonder why you do not earn the cashback rate based on the advertised rate.
The best cashback card in Singapore for you is the one with no minimum spending requirement and no cashback back cap.
If you are looking for the best unlimited cashback credit card that can help you earn limitless cash rebates, even if you do not have a consistent spending budget, we can help you.
Here at OMY Singapore, you will discover the following:
What are Cashback Credit Cards in Singapore?

The best cashback card in Singapore is one that lets you earn a percentage (known as cash rebates) from your purchases.
However, note that some credit cards have a minimum spending requirement and a cashback cap. You must read the spending requirement to maximise your cash rebates.
If you are a low spender or don’t have a consistent shopping budget and want to earn a decent cashback rate, a cashback credit card with no minimum spending and no cap is perfect for you.
With this type of best cashback card in Singapore, you can earn unlimited cash rebates even though you are not hitting a minimum spending requirement for the month.
But, what are the best cashback credit cards in Singapore with no minimum spend and no cap? Let’s find it out!
The Best Cashback Credit Cards in Singapore (2023): No Minimum Spend and No Cap
Here are our top picks when it comes to the best cashback credit cards in Singapore with no minimum spending requirement and no cashback cap.
Best Cash Back Credit Cards | Cashback Rate |
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UOB Absolute Cashback | 1.70% |
Citi Cash Back+ Card | 1.60% |
Maybank FC Barcelona Visa Signature card | 1.60% |
ICBC Chinese Zodiac Card | 1.60% |
Standard Chartered Unlimited Cashback Card | 1.50% |
American Express True Cashback Card | 1.50% |
1.UOB Absolute Cashback Credit Card
Among the best cashback credit cards with no minimum spending requirement and let you enjoy a limitless spending is the UOB Absolute Cashback Card. You can earn 1.7% limitless cashback – simply no minimum spend and no exclusions across your daily spend.
However, the only downside with this best cashback card in Singapore is that it is an AMEX. It can be challenging to find a smaller merchant that can accept this card.
This best unlimited cashback card offers 10% additional cashback (max S$120) for new UOB credit cardmembers who apply for this card between 1 October to 21 November 2022. Your cashback can be earned on your first S$1,200 spend by 20 December 2022.
But, don’t worry, there are lots of large merchants that accept it, and you can use your UOB Absolute Cashback Credit Card for the following:
- Pay your insurance premiums
- Settle school fees
- To top up your mobile or e-wallets
- To pay for your medical and hospital bills
- To consolidate your recurring utilities and telco bills
- To pay for your rental
Cashback Rate | Apply Now |
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1.70% | Visit Here |
2. Citi Cash Back+ Card
The Citi Cash Back+ Card lets you earn a flat cashback rate. There is no minimum spend required and a cap on the cashback earned.
This best cashback card credit card in Singapore is perfect for large purchases such as home renovations, new appliances, or weddings. Moreover, it allows you to turn your big-ticket spending into small payments.
The Citi Cash Back+ Card is currently offering a 1.6% cashback rate. This is also a credit card with no minimum spending. This is currently in the second spot in terms of cashback rate, with UOB Absolute Cashback Credit Card in the top spot. If you’re a Citi Plus customer who owns is a Primary Account Holder of a Citi Interest Booster Account, you can earn a bonus cashback of 0.4%.
If you’re planning to create big spending in the first two months, this is perfect for you. They have an exciting deal where you can get up to S$240 cashback on up to S$4,000 spent (6% cashback) in the first two (2) months.
Cashback Rate | Apply Now |
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1.60% | Visit Here |
3. Maybank FC Barcelona Visa Signature card
With Maybank FC Barcelona Visa Signature card you can earn 1.6% unlimited cashback for all purchases in Singapore. This is an amazing option if you’re looking for a credit card with no minimum spending. It allows you to maximise your cashback earnings especially for local spending.
Moreover, with Maybank FC Barcelona Visa Signature card you can earn discounts and win a trip to catch FC Barcelona LIVE – a must have for FC Barcelona Fans. This makes it one of the best cashback credit card in Singapore.
Cashback Rate | Apply Now |
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1.60% | Visit Here |
4. ICBC Chinese Zodiac Card
Similar to the Maybank FC Barcelona Visa Signature Card, the ICBC Chinese Zodiac Card offers a flat cashback rate of 1.6% on all local spending. Moreover, you can earn the same rate for this best cashback credit card in Singapore when you used it for overseas purchases.
Aside from the attractive cashback rate, ICBC Chinese Zodiac Card has a creative card design. Available in 12 designs – based on Chinese Zodiac animals, this is jointly designed by TsingHua University and ICBC Credit Card Centre is a card collection of 12 lively Chinese Zodiac animals with their corresponding oracle bone inscriptions.
This best cashback card in Singapore provides enthusiasts with cultural and heritage richness by adding Chinese cultural elements into the credit card design.
Cashback Rate | Apply Now |
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1.60% | Visit Here |
5. Standard Chartered Unlimited Cashback Card
With the Standard Chartered Unlimited Cashback Card, you can earn 1.5% cashback on everything. Although 1.5% is not too high, there’s no need to fulfill the minimum spending requirement making it simple to earn rebates. Moreover, this best unlimited cashback card allows you to enjoy maximum rebates since there is no cap.
Even if you decide to spend just S$20 for a month, you will still get 1.5% cash rebates for your purchases. Furthermore, there’s no need to worry about the right spending categories since the cashback rate applies practically to everything (there are just some exceptions, such as taxes and EZ link top-ups).
Moreover, you can get up to 100% cashback when you pay your bills through the SC EasyBill.
Users can also enjoy 5,000 miles or up to S$220 cashback when they spend within 30 days of card approval (valid until further notice).
Cashback Rate | Apply Now |
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1.50% | Visit Here |
6. American Express True Cashback
Another best cashback credit card in Singapore that is perfect for low spenders or those who don’t have a constant budget for the month is the American Express True Cashback. This option is a credit card with no minimum spending, and it also has no cap. You can earn 1.5% on all eligible purchases such as grocery shopping, online shopping, home improvement, education fees, insurance, healthcare and more.
What is exciting about this best cashback credit card in Singapore? It provides a welcome bonus of 3% Cashback on up to a total spend of S$5,000 spend in your first 6 months. So, for the first 6 months, if your total spending is S$5000, you’ll earn a total of S$150 cash rebates.
Cashback Rate | Apply Now |
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1.50% | Visit Here |
A Word from OMY
If you are not a heavy spender and want to earn cash rebates (literally free money), having a cashback credit card with no minimum spending with no cap is perfect for you.
Moreover, the best unlimited cashback card with no minimum spending will help you earn more rebates once you have decided to create large purchases.
However, please do note that you have to be a responsible credit card owner to avoid missing or being late for paying your bills. This can help to maintain a good credit standing and to get the most out of your best cashback card in Singapore.
Before using any of the best cashback card in Singapore options listed above, make sure to check the terms and conditions. By doing so, you can’t miss how to get the most rebates from your purchases.