Find the card that gives you the most cashback/miles
Credit Cat checks your spending against 44 Singapore cards and shows what you’d actually earn.
Choose your starting point
No sign-ups needed.
Articles ranking “Top Credit Cards for Dining” or “for Travel” don’t capture the complexity of matching your spend against 44 credit cards, each with different card benefits.
1. Don’t have your expenses memorised? No problem. Tell Credit Cat how you live (eat out, drive, shop online) and we estimate your monthly spend. Correct any figure as you go.
Why the advertised rate isn't what you earn
What you actually earn on dining
Expected vs After cashback caps
Expected8%
After cashback caps6.3%
The 8% only lasts until the S$50/mo cap. After that, spending earns ~0.3%.
Now do that across your wallet
Same spending. Two cards. Look at the gap.
You spend about S$2,600 a month. Here’s what each card would really put back in your pocket over a year.
DiningGroceriesOnlineTransportOtherEarns almost nothing
Card BS$900 a year
What this card really pays back in a year, once each category’s cap kicks in.
Card CS$340 a year
Higher advertised rates, but every category caps out early, so most of your spend earns almost nothing.
What Credit Cat doesn't include in your estimated annual card value
- Sign-up bonuses and promo rates. We do have affiliate links for some cards, and those have generous sign-up bonuses. That said, this does not influence the cards surfaced to you!
- Lounge access, travel insurance or concierge benefits aren’t included in annual savings, but we can surface top cards in those areas for you.
- Annual fees, but we indicate those upfront.
FAQ
Is Credit Cat free?+
Yes — completely free. No sign-up, no paywall, no premium tier. We earn a small commission only if you apply for a card through one of our affiliate links and the bank approves your application.
Why not just ask an LLM?+
An LLM describes cards in broad strokes — "good for dining", "great for travel". Credit Cat takes your actual spend numbers and computes what you'd earn from each card, after caps, minimums, and exclusions. The math runs against a dated Singapore card dataset, not the LLM's training data.
How does Credit Cat calculate annual value?+
For cashback cards, we work out what you’d earn back per category after caps and minimum-spend rules, then rank by total annual cashback. For miles cards, we do the same and rank by total annual miles earned. We never convert miles into dollars or compare across them — you pick which you want to optimise for.
Full methodology →
Full methodology →
Which Singapore credit cards does Credit Cat cover?+
44 cards across 12 issuers: AMEX, Bank of China, CIMB, Citibank, DBS, HSBC, Maybank, OCBC, POSB, Standard Chartered, Trust Bank, UOB. Coverage expands periodically.
How fresh is the card data?+
Card data was last reviewed on 2026-07-15. We refresh periodically — when bank earn-rate or cap changes come to our attention, or as we expand coverage.
Does Credit Cat get paid when I apply for a card?+
Yes — Credit Cat earns a referral commission via Creatory (by MoneyHero Group) when you apply for some cards through our links. Commissions do not influence which cards we recommend — the ranking comes from your spend numbers and the published card data. Cards not on the affiliate program link directly to the bank, with no commission to us.
Full affiliate disclosure →
Full affiliate disclosure →
Is Credit Cat applicable outside Singapore?+
No — Credit Cat covers Singapore credit cards only. The card catalogue, earn-rate model, and affiliate program are Singapore-only, so the recommendations only apply to consumers in Singapore.