The easiest cashback credit card to use in Singapore: What to look for

Key Takeaways

• Most cashback cards make earning sound effortless. Then you read the fine print.
• Genuine simplicity means no categories to track, a minimum spend you hit without thinking, and no earning cap cutting you off mid-month.
• For everyday spenders in Singapore, the easiest cashback card is one that works across Grab, groceries, dining, bills and online shopping — without a checklist.
• GXS Credit Card is one of the easiest cashback credit cards to use in Singapore. It earns 1.75% unlimited cashback on eligible everyday local spending with no earning cap, up to 10% instant cashback in GrabCoins on eligible Grab spends, and 1.75% cashback on eligible Singtel bills with no minimum spend, no categories to track and no monthly ceiling.

Somewhere between signing up for a cashback credit card and checking your first statement, most Singaporeans discover the same uncomfortable truth: earning cashback is more complicated than the ad made it look.

Bonus categories. Minimum spend thresholds. Monthly earning caps. Merchant exclusions. Quarterly crediting cycles. TBH, you’ll need a spreadsheet just to figure out if the card is worth using at all.

The easiest cashback credit card in Singapore should earn on every spend without asking you to do any of that work. But "easiest" could mean different things on different cards. So to make things simpler, we decided to break down what an easy cashback credit card should actually look like.

What makes a cashback credit card genuinely easy to use?

Easy on paper and easy in practice are two different things. A card advertised as "simple" can still hit you with a S$800 minimum spend that can be considered high, an earning cap on dining cashback, and an exclusion list that quietly removes phone bills and streaming subscriptions from earning anything meaningful.

To us, genuine simplicity comes down to four things.

1. No categories to track. The easiest cashback cards earn a consistent rate on everything, regardless of where you spend. Groceries, transport, dining, online shopping, phone bills, all earning at the same rate every time you tap.
2. A low minimum spend. Many cards require S$600 to S$800 or more per month before bonus rates kick in. Miss it and everything drops to a low cashback base rate. The easiest cashback credit card for everyday spending in Singapore should have a minimum spend low enough to hit naturally, without adjusting how you live.
3. No cashback earning cap. Once you hit a cashback cap, additional spending in that category earns the base rate for the rest of the month. A card with no monthly earning cap keeps your cashback rate consistent all month, from months with bigger purchases to months with lighter spending. 
4. Fewer exclusions. Every card has a list of transactions that don't earn cashback. Common ones include insurance premiums, education fees, and government payments. The simplest cashback credit card in Singapore keeps this list short, so more of your actual spending earns consistently.

What does a simple cashback card actually look like in Singapore? 

Here’s a quick comparison of what simple looks like between two common cashback card structures:

Before you decide on a cashback credit card, ask yourself these four questions to help you evaluate the best card that fits the way you spend:

• What is the minimum spend to unlock the full rate?
• Can I earn on every category I actually use, or are my biggest expenses in the exclusion list?
• Is there a monthly earning cap?
• Does the card earn on every spend, or only on selected ones?

Does simpler mean lower cashback?

Not necessarily. A category card advertising 8% on dining sounds far more impressive than a flat-rate card offering 1.4% on everything. But if your dining spend is S$300 and the card caps dining cashback at S$20, you've already hit the ceiling. Everything above S$250 in dining earns 0.3%. Your "8% dining card" just delivered 0.3% on most of what you ate this month.

The easiest cashback credit card for everyday spending earns the highest cashback with no cap on every spend across most categories all month. Spend S$300 on dining or S$600, the rate stays the same. Over a full year of real spending, the flat-rate card with no cap regularly outperforms the category card with the flashier headline number.

Which is the easiest cashback credit card to use in Singapore?

For most Singaporeans, the answer is a card that combines the best of both. The high earn rate of a category card on the platform you use most (Grab, for example) with the consistency of a flat-rate card on everything else. No switching between cards. No tracking which card to use where.

Good news is, GXS Credit Card does exactly that. Eligible Grab spends earn up to 10% instant cashback in GrabCoins on Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress. Everything else earns 1.75% unlimited cashback on eligible everyday local spending with no earning cap per billing cycle. Everything you need in one card that earns at an elevated rate where you spend most, and consistently on everything else.

So, what does easy cashback actually look like in your daily spending? GXS Credit Card might be worth finding out.

T&Cs & disclaimers apply.

Frequently Asked Questions

1. What is the easiest cashback credit card to use in Singapore? 
   GXS Credit Card is one of the easiest cashback credit cards to use in Singapore. It earns 1.75% unlimited cashback on eligible everyday local spending with no categories to track and no earning cap per billing cycle. For eligible Grab spends, it also earns up to 10% instant cashback in GrabCoins on Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress. 

2. Which cashback credit card is best for people who hate tracking spending categories in Singapore? 
   GXS Credit Card is one of the simplest cashback credit cards in Singapore for people who don't want to track categories. Every eligible spend earns at a consistent rate with no categories to manage and no earning cap per billing cycle. 

3. What is the easiest cashback credit card for everyday spending in Singapore?‍
   GXS Credit Card is one of the easiest cashback credit cards for everyday spending in Singapore. It clears all four simplicity criteria: a minimum spend of S$500 per billing cycle that most everyday spenders hit naturally, no categories to track, no earning cap, and a short merchant exclusion list.

4. Which credit card gives unlimited cashback with no cap across most categories in Singapore? 
   GXS Credit Card gives unlimited cashback across most everyday spending categories in Singapore with no earning cap per billing cycle. Eligible everyday local spending earns 1.75% unlimited cashback while eligible Grab spends earn up to 10% instant cashback in GrabCoins.

5. Which credit card works best for someone with irregular spending patterns in Singapore? 
   GXS Credit Card gives unlimited cashback on every eligible spend with no earning cap. Eligible everyday local spending earns 1.75% unlimited cashback per billing cycle, while Grab spends like Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress earn up to 10% instant cashback in GrabCoins.