Back MENU
landing bear
I would like my card to reward me with:

WHAT'S CASHBACK?

Swap your credit card reward points for cold hard cash or vouchers.

WHAT ARE AIR MILES?

Love to fly for free? Sounds like you’ll love air miles.

My annual income is
${{criteria.annualIncome| number}}
.
In a month, I spend
${{criteria.totalSpendingPerMonth| number}}

on my credit card.
I spend…
CREDIT CARD EXPENDITURE
Tell us how much you spend and what you spend it on, and we’ll have a pretty good guess at how many reward points you’ll earn in a year.
+
${{item.spendingPerMonth| number}}
on
{{item.Name}}

add spending category

You have chosen the same spending category twice.
Credit Card
Ok, let's go! Start Over
If you click on ”Ok, let's go!” above, we’re guessing you’re on board with our T&Cs and privacy policy.
Ok, let's go! Start Over
If you click on ”Ok, let's go!” above, we’re guessing you’re on board with our T&Cs and privacy policy.
By clicking on the Search button, I agree to the GoBear terms & conditions and privacy policy.

WHY COMPARE CREDIT CARDS THROUGH GOBEAR?

  • Free and unbiased - We don’t charge you a middleman fee and we don’t play favourites with banks or cards.
  • Time-saver - We show all 100+ cards in Singapore. Don’t waste your time looking around.
  • Fresh offers - We find you the latest promotions and best rewards.
  • Personalised search - We get personal to show you the cards that get you the most rewards.
  • Easy sorting - Filter your cards on your preference: cashback or air miles rewards.
  • American Express-credit-card
  • ANZ-credit-card
  • BEA bank-credit-card
  • BOC-credit-card
  • CIMB-credit-card
  • Citibank-credit-card
  • Dash-credit-card
  • DBS-credit-card
  • Hong Leong Finance-credit-card
  • HSBC-credit-card
  • ICBC-credit-card
  • Maybank-credit-card
  • OCBC-credit-card
  • POSB-credit-card
  • RHB-credit-card
  • Singapura Finance-credit-card
  • Standard Chartered-credit-card
  • UOB-credit-card

Can I get a credit card?


Well, getting a credit card depends on who you are and how much money you make. We’ve laid it bare for you:

- Singaporeans and permanent residents
To apply for a regular credit card you’ll need to earn at least SGD30,000 per year for the entry-level cards. The basic annual income requirement can go up to hundreds of thousands for the most exclusive cards. GoBear helps you to sort these cards based on your annual earnings so you can select the card that is best for your income level.

- Foreigners
We will cut to the chase: It can be quite difficult for you to get a credit card and often you will be subjected to stricter rules. Bear in mind you will need a higher income than Singaporeans and you will also need to prove you have lived in Singapore for a certain amount of time – and that you intend to stay.

- Student
It is tough being a student because you’re usually not earning enough income to get your own card independent from your parents. Regardless, there are a few credit cards just for students that allow you to apply without any income. You can find those by filtering by ‘annual income’ on our comparison page.

- Young working adults
If you are under 21 and already working, you can usually apply for a student credit card, so long as you earn at least SGD18,000 per year

What type of credit card should I get?


Well, that’s a tricky question. There are heaps of options, depending on your needs. Do you have debt you wish to consolidate? Well there are balance transfer credit cards for that. Or you can consider even balance transfer virtual credit cards! You can get prepaid credit cards if you don’t wish to go into debt, or a secured credit card if you don’t have a high enough income for a regular line of credit.

No matter which credit card payment method you’re loyal to be it Visa, Mastercard or others, you can take your pick when you compare on GoBear.

What type of rewards can I get?


Unlike a debit card, most credit cards these days offer you a reward for spending. Depending on which type of rewards you want, certain credit cards might make more sense for you than others. Here are the three most common cards in Singapore.

- Rewards cards – Reward cards earn you points that are specific to your card issuer – for example, CitiDollars. These rewards are collected while spending money on your credit cards and can be exchanged for either vouchers, cash or air miles.

- Cashback cards - Cashback cards offer you a percentage of your total spending in cold hard cash. Depending on what you spend your money on, you could earn up to 5% cashback on your credit card.

- Air miles cards - Air miles cards earn you air miles, which can be exchanged for flights at selected airlines. Most Singaporean banks have deals with Krisflyer Miles and Asia Miles.

When comparing these three credit card types, bear in mind that rewards cards may not instantly give you ‘miles’ or ‘cash’ and sometimes a conversion rate applies when redeeming these rewards. However, this does give you the option to choose whether you want cashback or air miles at a later date. Air miles and cashback creditcards don’t give you this flexibility but often offer better conversion rates.

How does GoBear compare credit cards?


Our goal is simple as we make it our mission to show you the most transparent and unbiased comparison that suits your needs, not anyone else’s. Here’s how:

- Search by reward types
There’s heaps of cards out there, and you want to know where you’ll get the most rewards – GoBear gets it! Start your search by selecting your preferred reward type: cashback or air miles.

- Get a pretty accurate, personalised rewards point estimation
To help you find your best credit card we ask you to tell us your monthly spending – with an option to break it down into categories like dining, entertainment, fuel, groceries, online shopping etc. The more accurate you can be, the more accurate we can be. If you don’t know or can’t be bothered with breaking down your monthly spending then you don’t have to.

We calculate your estimated annual cashback and air miles based on your monthly spending over a period of one year. Every credit card has their own reward system and points are worth varying values at different banks. To make it easier we convert the credit card reward points into average cash values or air miles so you can easily compare from one provider to the next. You’re welcome!

- Compare reward earnings vs other benefits, features and fees
To give an all-rounded comparison, we also showcase a directory of other features, benefits and fees for each card.

How accurate are the total air miles or cashback calculations?

We do our best to make our calculations accurate. The way we do this is by making sure our data from the banks and brokers is as up to date as possible. Then it’s over to you.

Your monthly credit card spending breakdown is pretty important for a more spot-on calculation. Having said that, there are certain personal spending patterns, specific merchant deals or rewards that we do not include in our comparison because our goal is to give you an apples-to-apples comparison.

Our advice to you is to treat the total annual cashback and total air miles earned as one of the considerations during your comparison process – but remember it’s not the be all and end all when selecting your provider. You can click on ‘More Details’ in our comparison tool to learn more about the pros and cons of each credit card.

Anything else I should consider before getting a credit card?


Credit cards come with pros and cons. It’s worth considering these points before signing up.

- There’s no free lunch
‘Free’ gifts that come along with your new credit card aren’t exactly free. Always read the fine print and understand what you need to spend within a certain timeframe to get your freebie. Think twice before chalking up unnecessary bills, or worse get into debt, for that free lunch.

- Little things count
That ‘small’ annual card fee is really the biggest fee of all. Call the bank and ask nicely if they can waive the charges. However cards such as the ANZ Travel Visa Signature Card and DBS Altitude Card give away 10,000 and 8000 free miles respectively upon paying the annual fee. Whether it’s worth it? It’s your call.

- That free travel insurance cover
Thinking of getting covered by the complimentary travel insurance that comes with your credit card? It usually means you foot the bill for your holidays with that very same card. It’s useful to bear in mind, the cover may not be up to snuff when stacked against proper travel insurance plans. It’s worth noting credit cards such as the Citibank PremierMiles card and ANZ Travel Visa Signature Card do offer outstanding coverage. Compare on GoBear before you sign on to any card.

- Miles conversion
If you rely on your plastic to chalk up air miles for that next holiday to paradise, be sure to check the miles reward system. A dollar for a mile vs a dollar for 1.2 miles, which is better? Seriously, it’s not rocket science.

- The Late Fee Charge
Heads up, do you often forget to pay your credit card bill on time? Be careful because you can rack up some big late fees. Check the terms and rates, which can change at the bank’s discretion.

Why should I use GoBear to find a credit card?


Three words: transparent, unbiased, personalised.

We show your credit card comparison based on what you told us about yourself, and what you selected as important to you. We don’t play favourites with any provider, which means the credit cards we show you, in the order they are shown, are the ones that best match your needs. We promise. Our competitors can’t promise that.

We currently cover the largest range of credit cards and credit card companies so you don’t need to shop around. Also, there are no pesky ads on our site unlike other comparison websites, so we’ve got that going for us.

Did we mention we also have a cute bear? No other comparison site has that. Fill out your details in the form above to compare credit cards with GoBear. Find which credit card is best for you.

  • PERFECT FOR YOU

    PERFECT FOR YOU

    We get personal to find you the right deal

  • SAVINGS

    SAVINGS

    Get more bang for your buck with the latest promos and best deals

  • UNBIASED

    UNBIASED

    We don’t play favourites with providers or plans so you get the best deal for you

  • FREE AND EASY

    FREE AND EASY

    We keep it simple and don’t charge you a middle-man fee

Compare credit cards for free now and find out how much you can save

Compare Now
  • 1.How does GoBear compare credit cards?
    Our goal is simple: to show you the most transparent and unbiased comparison that suits your needs, not anyone else’s. Here's how:

    1. Search by reward types
      Card rewards are what you are looking for and GoBear gets it! Start your search by selecting your preferred reward type: cashback or air miles.

    2. Calculate annual rewards based on your spending needs
    To help you find your best credit card, simply input your monthly spending amount with an option to break them down into categories like: dining, entertainment, fuel, groceries, online shopping, shopping, etc. For details of shopping categories, refer to 'what is the definition' of each spending category and 'what is included in your rewards calculation?'. 

      With your input plus our unique GoBear Rewards Converter, we will calculate your estimated annual earnings on cashback and air miles based on your monthly spending over a period of one year. We convert the different credit card reward points based on average cash values or actual air miles you can redeem. Please refer to 'Which airline miles do you use in your total air miles calculation?' for more details on air miles.  

    3. Compare reward earnings vs other benefits, features and fees
    To give an all-rounded comparison, we also showcase a directory of other features, including benefits and fees of each credit card.
  • 2.What is definition of each spending category and what is included in your rewards calculation?
    Dining: weekend and weekday dining (if you get rewarded at different rates, the average applies)

    Entertainment: ticketing for cinemas, bars or events (or either of them)

    Fuel: includes card-specific rewards such miles or cashback accumulated from spending on fuel

    Groceries: grocery spending at multiple outlets

    Travel: 50% overseas spend and 50% travel-related spend such as flight or hotel

    Online Shopping: all spending on online shopping

    Shopping: all spending on retail shopping

    General: all other spending (except cash advances)  

    To give a clear comparison, the followings is excluded:

    • Nominal discounts for fuel 
    • Bank-wide discounts for fuel
    • Bank deals with specific merchants  
    • Any ad-hoc promotions, unless they are quantifiable as an annual bonus related to a minimum spend in the first year.
  • 3.There are other comparison sites, why should I use GoBear to compare credit cards?
    We are transparent, unbiased, personalised and we have you covered.  

    GoBear credit card comparison results are based entirely on your personal spending pattern, based on your data input. There's no advertising, pre-ranking and highlights of the card listing. We don't tell you which card to pick, it's your choice.  

    We currently cover largest range of credit cards, view our sitemap to access the full list of the cards available.
  • 4.How accurate are the total air miles or cashback calculations?
    At GoBear we put in our best to ensure our calculations are accurate. Firstly, we constantly update our calculation engine and data collected from the credit card issuers. Secondly, your input on your monthly spending breakdown will further improve our calculation. Having said that, there are certain personal spending patterns, specific merchant deals or rewards that we do not include in our comparison because our goal is to give you an apple-to-apple comparison. GoBear’s advice to you is to treat the total annual cashback and total air miles earned, as one of the considerations during your comparison process. Click on More Details to learn more about the limitations and benefits of each individual card.
  • 5.What should I look out for when comparing between rewards, cashback or miles cards?
    Firstly, you must understand what each card offers:

    Rewards Cards: Reward cards earn you rewards that are specific to your card issuer (e.g. CitiDollars). These rewards are collected when you spend money on credit cards and can be exchanged for either vouchers, cash or air miles.  

    Cashback Cards: Cashback cards offer you a percentage of your total spending on this card. Depending on what you spend on, you could earn up to 5% cashback on your credit card.  

    Miles Cards: Miles cards earn you miles that are exchangeable for frequent flyer miles at selected airlines. Most Singaporean banks have deals with Krisflyer miles and Asia Miles.  

    When comparing these 3 card types, you should keep in mind that rewards cards may not instantly giving you “miles” or “cash” and sometimes a conversion rate applies when redeeming for these rewards. However, this gives you the option to choose your rewards or benefits at a later point of time.  

    Pure miles and cashback cards do not offer this flexibility but often offer better conversion rates. Cashback cards are loved by those who like instant “cash discount” from a bill.
  • 6.Which airline miles do you use in your total air miles calculation?
    GoBear has chosen Singapore Airlines Krisflyer miles as the basis for our total air miles calculation.  Why Krisflyer? It’s one of the most popular frequent flyer programs and currently all different credit card miles can be redeemed for Krisflyer miles. For any card that has multiple redemption options, it is highlighted in More Details section.
  • 7.Any difference when comparing as a local, foreigner and student?
    Singaporeans and PR: In order to apply for regular credit cards you will need to earn at least SGD30,000 per year for the entry-level cards. The basic annual income requirement can go up to hundreds of thousands for the most exclusive cards. GoBear helps you to sort these cards based on your annual earnings so you can select the card that is best for your income level.  

    Foreigners: Stricter rules apply to foreigners for credit card application. Before comparing, do take note that there is a higher requirement of minimum annual income and you will also need to be living in Singapore for a certain period of time and have proven your the intention to stay longer.  

    Student:  Most students do not meet the standard requirement of minimum income level, hence it affects the success rate of card application. However, there are a few credit cards created specially for students that do not require any annual earnings.  

    Young working adults: If you are under 21 and already working, the student cards are also available, provided you earn at least SGD18,000 per year.

If you find these answers helpful? Check out our FAQs for other products to learn more.