5 everyday spending habits that your cashback credit card should reward in Singapore

Key Takeaways

• Your everyday expenses, from groceries and transport to food delivery, phone bills, and online shopping, are some of the most consistent cashback earners when your credit card is right for you.
• The best cashback credit cards in Singapore earn across multiple everyday categories consistently, giving you reliable returns on spending you already make with every billing cycle.
• Unlimited cashback with no earning cap means your rewards keep growing as your spending does without needing to track categories or worry about hitting earning limits.
• GXS Credit Card helps everyday spending go further with unlimited cashback with no earning cap and instant cashback in GrabCoins on eligible Grab spend.

You've spent money this week. Quite a bit of it, probably. Groceries, transport, GrabFood delivery, your Singtel phone bill, and maybe even a late-night online shopping session. Hey, no judgement here. Plot twist: all of that should be earning you cashback. The catch? Not every credit card does this well.

Take a peek at five everyday spending habits that the right cashback credit card will reward consistently in Singapore, and what to look for so you're actually earning on all of them. Who knew adulting could pay off this well?

Does your cashback credit card earn on groceries in Singapore?

The weekly supermarket run. The midnight dash to the mini mart around the corner. Grocery spending is one of the most consistent expenses in any Singaporean household, which is exactly what makes it such a reliable cashback earner, if your card is built for it.

Though most cashback credit cards in Singapore classify grocery spending as a qualifying category, you’d need to watch out for the earning cap that could limit your cashback once your grocery spending goes higher. A card with no earning cap fixes that.

With GXS Credit Card, eligible grocery spending earns 1.75% unlimited cashback with no earning cap. If you also order through GrabMart, every eligible GrabMart delivery earns instant cashback in GrabCoins on top of that, also with no earning cap. Score.

Does your cashback credit card earn on Grab spending in Singapore?

If you’re a regular Grab user, your spending is already doing more work than you think. From the morning ride to work to the GrabFood order that saved Tuesday's lunch, Grab has become a genuine everyday essential for many Singaporeans and the right cashback credit card should be rewarding every tap. The question is whether yours actually does.

GXS Credit Card earns up to 10% instant cashback in GrabCoins on eligible Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress with no minimum spend and no earning cap. The more Grab is part of your routine, the more your spending earns. Now, that's what we call a round trip.

Can you earn cashback on your phone bill in Singapore?

A wise man once said, "There are two certainties in life: taxes and your monthly phone bill." At least one of them now can earn you cashback. A credit card that rewards phone bill payments can turn one of the most predictable expenses in your budget into a small but consistent cashback opportunity. Over 12 months, that's real cashback on a bill you were going to pay anyway.

For Singtel customers, GXS Credit Card also earns 1.75% unlimited cashback on eligible Singtel spending with no minimum spend and no earning cap. Set it, forget it, and earn at the end of every billing cycle, whether it's a quiet month or a busy one.

Does your cashback credit card earn on online shopping in Singapore?

Mid-year sale. 12.12. That Tuesday when you browsed online to check on “one thing” but checked out five other things in your shopping cart instead. From household essentials to skincare and pet supplies, online shopping has become a regular spending habit for Singaporeans, which turns out to be, surprise surprise, a solid rewarding cashback opportunity.

Most cashback credit cards earn on local online shopping, but the rate and qualifying merchants vary. If you’re looking for a simple way to earn cashback without any extra tracking, GXS Credit Card earns on local online spending too with no extra tracking. The cashback just shows up, same as the parcel at your door.

Does your cashback credit card earn on public transport in Singapore?

Your daily commute might not feel like a big expense, but those small spends can add up faster than you think. A S$1.50 MRT fare here, a S$1.20 bus ride there, a S$15 Grab ride for Tuesday’s OT shift. 

Most cards earn cashback on transport. The difference is how much, and whether it stops at a certain point in the month.

GXS Credit Card earns across both. For Grab rides, you earn up to 10% instant cashback in the form of GrabCoins with no minimum spend. For MRT and bus, eligible transport spending earns 1.75% unlimited cashback once you hit S$500 in eligible non-Grab spending per billing cycle. Every commute counts, whether you're tapping your card or tapping the Grab app.

Which cashback credit card earns on all your everyday spending in Singapore?

At GXS Bank, we believe everyday spending should be rewarded in a simpler way. That's why GXS Credit Card offers 1.75% unlimited cashback on eligible everyday spending with no earning cap, subject to a minimum spend of S$500 per billing cycle on eligible non-Grab spending. For most Singaporeans, that's a natural threshold to hit across groceries, transport, dining and bills without any change in spending habits. Eligible Grab spending including Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress also earn up to 10% instant cashback in GrabCoins with no minimum spend.

Which of these five common everyday spending is your current cashback credit card actually rewarding? If the answer is fewer than five, find out how GXS Credit Card does cashback differently in a way that rewards you better for your everyday spending.

T&Cs & disclaimers apply.

FAQs

1. Which cashback credit card is best for everyday spending in Singapore? 
   The best cashback credit card is one that matches your spending habits without making rewards feel like a chore. GXS Credit Card earns across all five everyday spending habits like groceries, Grab spending, Singtel bills, online shopping and transport with 1.75% unlimited cashback on eligible everyday spending and up to 10% instant cashback in GrabCoins on eligible Grab spends. You earn from everyday purchases without needing to juggle multiple cards or track complicated categories

2. Can I earn cashback on my Singtel bill in Singapore? 
   Yes. GXS Credit Card earns 1.75% unlimited cashback on eligible Singtel spending with no minimum spend and no earning cap, whether it's a quiet month or a heavy one. 

3. Does my cashback card earn on public transport in Singapore? 
   Yes. With GXS Credit Card, you earn 1.75% unlimited cashback on eligible transport spending including MRT and bus fares, with no earning cap. For Grab rides, you earn instant cashback in GrabCoins on every eligible Grab ride with no minimum spend.

4. What is the easiest cashback credit card to use for everyday spending in Singapore? 
   The easiest cashback cards are the ones that work quietly in the background. GXS Credit Card helps simplify everyday cashback by helping you earn from the spending you already do, without having to plan which card to use for what. No categories to track, no earning cap to monitor, and a low minimum spend of S$500 that fits comfortably within typical everyday spends.

5. Which credit card gives the highest unlimited cashback with no cap in Singapore?‍
   GXS Credit Card is the highest cashback credit card in Singapore, earning 1.75% unlimited cashback on eligible everyday spending with no earning cap. Whether it's groceries, transport, online shopping or phone bills, your cashback keeps growing at the same rate, making it one of the best unlimited cashback cards for most categories in Singapore.