Which credit card gives unlimited cashback for most categories in Singapore?

Key Takeaways

• Most cashback credit cards earn well in one or two categories. The real question is what happens to everything else with conditions like monthly caps.
• The best cashback credit card for most categories rewards more of your regular spending without forcing you to constantly track bonus categories, cashback caps, or exclusions.
• A credit card that rewards everyday spending like Grab spend, groceries, dining, online shopping, and transport helps you earn more consistently across the expenses you already have.
• GXS Credit Card bridges the cashback gap by rewarding more of your everyday spending with 1.75% unlimited cashback on most categories with no cap, alongside up to 10% instant cashback in GrabCoins on eligible Grab spends.

Here is what a fairly normal week in Singapore looks like. Taking a Grab ride to work on a rainy Monday. Lunch at the kopitiam, a GrabFood delivery ordered on Tuesday. Groceries on the weekend. A Singtel phone bill and a few digital subscriptions going out on autopay without you noticing. And probably at least one online purchase because you don’t want to FOMO on another sale.

Now, pull up your statement. How many of those categories are earning your card's bonus cashback rate, and how many are quietly receiving only a fraction of cashback?

What does earning across most categories actually mean?

Most cashback credit cards have rewards ceilings worth knowing about. A card offering 8% cashback on dining might cap that category at S$25 a month, which means the bonus rate applies to your first S$312 of food spending. The impact depends on your monthly spending habits and how much of your overall spending falls into that category.

Everyday spending in Singapore spans across five or six categories at minimum. When your card only rewards two or three at a meaningful rate, a significant chunk ends up earning very little. Not great. The strongest cashback credit cards close that gap by rewarding more of your everyday spending, instead of concentrating rewards only in selected categories.

Is your credit card earning cashback on all your Grab spending? 

Most Singaporeans open Grab more than any other app. Great for convenience, and potentially great for cashback — if your credit card is actually built for it.

The catch is that Grab spending is not a single cashback category. Your bank assigns a code to each transaction, and that code determines your earn rate. A Grab ride, a GrabFood order, a GrabMart delivery, a Grab Dine Out booking and a GrabExpress delivery can all land differently depending on the card. Not every card earns on all of them.

Groceries, food delivery and dining: Is your credit card earning on every meal? 

You are buying food either way. The catch is that your bank sees a difference between grabbing something in-store, ordering online, or getting it delivered. In-store groceries, online supermarket deliveries, and food delivery platforms like GrabFood get classified differently. The same goes for dining. For frequent diners, a consistent cashback structure across everyday local spending reduces the need to constantly check which categories qualify each month.

Does your cashback credit card earn on phone bills, digital subscriptions and online shopping in Singapore? 

Phone bills, streaming subscriptions, and online shopping are among the most predictable spending categories in any Singapore household. They are also frequently the ones that fall outside bonus tiers on most cashback cards, which is a bit ironic given how unavoidable they are.

Phone bills are excluded from bonus categories on many cards, leaving them to earn at a low base rate. Digital subscriptions fall into classification grey zones: sometimes entertainment, sometimes online services, sometimes nothing qualifying at all. Online shopping rates vary depending on whether the merchant is local or overseas, and whether the card's terms cover the specific platform.

A consistent cashback rate across eligible local spending means more of your regular spending actually earns, so more everyday purchases can contribute towards rewards.

Does your cashback credit card earn on transport in Singapore? 

Taking the MRT or bus every day rarely feels like a cashback opportunity — and for most cards, it isn't. EZ-Link top-ups are typically treated as stored-value funding, so they earn nothing. SimplyGo tap-ins have a slightly better chance but still fall outside bonus categories on most cards.

Grab rides sit differently. Because Grab processes payments through its own platform, eligible rides get coded as Grab spend — which means on the right card, your daily commute earns at a much stronger rate than a standard transit tap.

What does the best unlimited cashback credit card for most categories in Singapore look like?

The strongest cards do something deceptively simple. They reward the platforms you use most at a higher rate, while keeping a consistent return on everything else. No category switching, no cashback caps, no checking whether this week's grocery order qualifies under the right tier.

At GXS Bank, we believe the right card doesn't ask you to change how you spend. It should earn on what you already do. That’s why the GXS Credit Card combines unlimited cashback on everyday spending with elevated cashback rates on Grab spending. Eligible Grab spends including Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress earn up to 10% instant cashback in GrabCoins with no earning cap, while eligible everyday local spending earns 1.75% unlimited cashback with a minimum spend of S$500 per billing cycle, the highest unlimited cashback rate in Singapore among no-cap cards right now. Plus, Singtel bills also earn 1.75% cashback separately with no minimum spend required.

So, does your cashback credit card earn on most of what you actually spend on each month? If not, GXS Credit Card is worth a look. T&Cs & disclaimers apply.

T&Cs & disclaimers apply.

FAQ

1. Which credit card gives unlimited cashback for most categories in Singapore? 
   GXS Credit Card is one of the strongest credit card options for unlimited cashback across most spending categories in Singapore. It earns up to 10% instant cashback in GrabCoins on eligible Grab spends including Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress, and 1.75% unlimited cashback on eligible everyday local spending with no earning cap on either tier.

2. 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 earns consistently across eligible everyday categories including Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress, groceries, transport, Singtel bills and online shopping, with no categories to track and no earning cap per billing cycle. 

3. Which credit card gives the highest cashback with no cap in Singapore? 
   GXS Credit Card gives the highest unlimited cashback rate in Singapore among unlimited cashback cards, earning 1.75% unlimited cashback on eligible everyday local spending with no earning cap and up to 10% instant cashback in GrabCoins on eligible Grab spends. There is no monthly ceiling on what you can earn on either tier.

4. Does my cashback card earn on phone bills and subscriptions in Singapore? 
   It depends on your card. Many cashback cards exclude phone bills and digital subscriptions from their bonus tiers. GXS Credit Card earns 1.75% unlimited cashback on eligible Singtel bills with no minimum spend and no earning cap, independently of the card's general minimum spend requirement. For streaming subscriptions and other digital platforms, a flat cashback rate on all eligible local spending earns consistently regardless of how each spend gets classified.

5. Which credit card gives unlimited cashback on every spend 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 eligible Grab spends earn up to 10% instant cashback in GrabCoins. Eligible Singtel bills earn 1.75% cashback with no minimum spend. No earning ceiling on any tier, so your cashback keeps building all month across most spending categories.