Singapore · cashback only

Find the card that fits your spend

Most SG card blogs optimise for miles or category gymnastics. CardFitSG ranks fuss-free cashback for real scenarios: honeymoon tickets, flat monthly spend, and “I already have bank X.” Rates researched as of —.

Your scenario

Inputs

Large one-off soon (SGD) Typical monthly card spend (SGD) Horizon Primary goal

Cards you already hold

Prefer fuss-free (no min spend / categories) Merchant reliably accepts Amex Optimizer mode (score category cards aggressively)

Action plan

What to do next

Full ranking

Method

How scoring works

Estimates cash from published flat / intro rates on your one-off + monthly spend.
Adds signup cash only if promo window looks active and spend clears the hurdle.
Boosts high fuss-free scores; penalises min-spend category cards unless optimizer mode is on.
Soft-penalises opening another card at an issuer you already hold (weaker acquisition odds).
Does not model FX fees, 0% instalments, or insurance perks — keep those separate.

Built for the Singapore market by Alphaeus Ng after writing a personal honeymoon cashback brief. Default bias: simple flat cashback over category maxxing.

Disclaimer

Not affiliated with any bank. Always read issuer T&Cs. Educational tool only — not financial advice.