{
  "meta": {
    "currency": "SGD",
    "market": "Singapore",
    "asOf": "2026-09-08",
    "reviewBy": "2026-09-25",
    "ratesNote": "Rates, fees, card networks and public offers verified against official issuer pages and promotion terms on 2026-09-08. Base earn rates, 6/12-month issuer lookbacks, UOB One fixed quarterly awards, and the AMEX 6-month intro window are unchanged. The OCBC, UOB and Standard Chartered signup offers remain active through 30 September 2026. OCBC 365 still advertises 1% on marketing expenses (0.5% on advertising instalments) without its usual minimum or cap; generic-spend rankings do not assume that category. Promo windows are date-checked at runtime — expired or known-ineligible signup value is not counted.",
    "disclaimer": "Rates, promos, and fees change. Always verify on the issuer's official page before applying. This tool is educational, not financial advice.",
    "sources": [
      "https://www.ocbc.com/personal-banking/cards/infinity-unlimited-cashback-card.page",
      "https://www.uob.com.sg/personal/cards/cashback/absolute-cashback-card.page",
      "https://www.americanexpress.com/sg/credit-cards/true-cashback-card/",
      "https://www.sc.com/sg/credit-cards/simply-cash-credit-card/",
      "https://www.uob.com.sg/personal/cards/cashback/one-card.page",
      "https://www.ocbc.com/personal-banking/cards/365-cashback-credit-card"
    ]
  },
  "cards": [
    {
      "id": "ocbc-infinity",
      "name": "OCBC INFINITY Cashback",
      "issuer": "OCBC",
      "network": "Mastercard",
      "style": "flat",
      "flatRate": 0.016,
      "annualFee": 196.2,
      "firstYearFeeWaived": true,
      "feeWaiverYears": 1,
      "minMonthlySpend": 0,
      "earnCap": null,
      "fussFreeScore": 95,
      "acceptanceScore": 92,
      "signup": {
        "activeThrough": "2026-09-30",
        "minSpend": 600,
        "windowDays": 30,
        "newToIssuerMonths": 12,
        "termsUrl": "https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/campaign/tncs-governing-the-ocbc-credit-card-welcome-gift-promotion.pdf",
        "cashReward": 180,
        "notes": "New OCBC principal cardmembers with no current OCBC credit card and none in the prior 12 months: spend S$300 within 30 days for the welcome gift, then another S$300 in the same period for S$180 cashback. Confirm live T&Cs."
      },
      "exclusionsNote": "Standard bank exclusions may apply; verify qualifying spend definitions.",
      "pros": ["True flat cashback", "No monthly minimum", "No earn cap advertised", "Strong signup for large near-term spend"],
      "cons": ["Long-term rate slightly below UOB Absolute", "Annual fee after year 1"],
      "bestFor": ["one_off_large", "fuss_free", "signup_hunt"]
    },
    {
      "id": "uob-absolute",
      "name": "UOB Absolute Cashback",
      "issuer": "UOB",
      "network": "Amex",
      "style": "flat",
      "flatRate": 0.017,
      "annualFee": 196.2,
      "firstYearFeeWaived": true,
      "feeWaiverYears": 1,
      "minMonthlySpend": 0,
      "earnCap": null,
      "fussFreeScore": 98,
      "acceptanceScore": 72,
      "signup": {
        "activeThrough": "2026-09-30",
        "minSpend": 1000,
        "windowDays": null,
        "newToIssuerMonths": 6,
        "termsUrl": "https://www.uob.com.sg/credit-cards/pdf/online-cards-campaign.pdf",
        "cashReward": 0,
        "giftValueEst": 100,
        "notes": "New-to-UOB principal cardmembers with no current UOB credit card and no UOB card cancellation in the prior six months can receive a S$100 Samsung e-voucher after S$1,000 spend in the first month. Non-cash and not used for ranking."
      },
      "exclusionsNote": "Base model excludes the temporary 0.3% contactless bonus from 4 August 2026 through 31 January 2027. Selected local categories earn 0.3%; from 4 September 2026, selected overseas categories and Grab wallet top-ups also earn 0.3%. Confirm current terms.",
      "pros": ["Highest simple flat rate among major banks (~1.7%)", "No min spend", "Best long-term keeper for fuss-free users"],
      "cons": ["American Express acceptance gaps", "Signup is non-cash", "Fee after year 1 if kept"],
      "bestFor": ["long_term", "fuss_free", "daily_spend"]
    },
    {
      "id": "amex-true",
      "name": "AMEX True Cashback",
      "issuer": "American Express",
      "network": "Amex",
      "style": "intro_then_flat",
      "introRate": 0.03,
      "introCapCash": 150,
      "introCapSpend": 5000,
      "introMonths": 6,
      "flatRate": 0.015,
      "annualFee": 174.4,
      "firstYearFeeWaived": true,
      "feeWaiverYears": 1,
      "minMonthlySpend": 0,
      "earnCap": null,
      "fussFreeScore": 88,
      "acceptanceScore": 72,
      "signup": {
        "activeThrough": null,
        "minSpend": 0,
        "windowDays": null,
        "cashReward": 0,
        "notes": "Intro 3% is the main acquisition value (capped at S$150 cashback on first S$5,000 eligible)."
      },
      "exclusionsNote": "Eligible purchases only; merchant acceptance lower than Visa/Mastercard.",
      "pros": ["Strong intro boost if merchant takes Amex", "No min spend", "Simple after intro"],
      "cons": ["Acceptance gaps", "Falls to 1.5% after intro", "Welcome upside capped"],
      "bestFor": ["one_off_large", "amex_friendly"]
    },
    {
      "id": "sc-simply",
      "name": "SC Simply Cash",
      "issuer": "Standard Chartered",
      "network": "Visa",
      "style": "flat",
      "flatRate": 0.015,
      "annualFee": 196.2,
      "firstYearFeeWaived": true,
      "feeWaiverYears": 1,
      "minMonthlySpend": 0,
      "earnCap": null,
      "fussFreeScore": 94,
      "acceptanceScore": 92,
      "signup": {
        "activeThrough": "2026-09-30",
        "minSpend": 800,
        "windowDays": 60,
        "newToIssuerMonths": 12,
        "termsUrl": "https://www.sc.com/sg/terms-and-conditions/new-to-standard-chartered-credit-card-promotion-tncs/",
        "cashReward": 100,
        "giftValueEst": 610,
        "notes": "New Standard Chartered principal cardmembers with no current or cancelled SC card in the prior 12 months: spend S$800 within 60 days for S$100 cashback and a Samsonite MODUS Spinner listed at S$610."
      },
      "exclusionsNote": "Standard exclusions may apply.",
      "pros": ["Simple flat cashback", "No monthly minimum", "Widely accepted"],
      "cons": ["Rate below Absolute / INFINITY", "Weak reason to open if you already have SC"],
      "bestFor": ["existing_holder", "fuss_free", "fallback"]
    },
    {
      "id": "uob-one",
      "name": "UOB One",
      "issuer": "UOB",
      "network": "Visa",
      "style": "category_tiered",
      "flatRate": 0,
      "qualifyingPeriodMonths": 3,
      "tieredRates": [
        { "minSpend": 600, "rate": 0.0333333333, "periodCashback": 60, "categories": ["eligible"], "note": "S$60 quarterly cashback requires at least S$600 eligible spend and 10 eligible purchases in each statement month for all three months of the qualifying quarter." },
        { "minSpend": 1000, "rate": 0.0333333333, "periodCashback": 100, "categories": ["eligible"], "note": "S$100 quarterly cashback requires at least S$1,000 eligible spend and 10 eligible purchases in each statement month for all three months of the qualifying quarter." },
        { "minSpend": 2000, "rate": 0.0333333333, "periodCashback": 200, "categories": ["eligible"], "note": "S$200 quarterly cashback requires at least S$2,000 eligible spend and 10 eligible purchases in each statement month for all three months of the qualifying quarter." }
      ],
      "annualFee": 196.2,
      "firstYearFeeWaived": true,
      "feeWaiverYears": 1,
      "minMonthlySpend": 600,
      "earnCap": 66.67,
      "fussFreeScore": 45,
      "acceptanceScore": 92,
      "signup": {
        "activeThrough": "2026-09-30",
        "minSpend": 1000,
        "windowDays": null,
        "newToIssuerMonths": 6,
        "termsUrl": "https://www.uob.com.sg/credit-cards/pdf/online-cards-campaign.pdf",
        "cashReward": 0,
        "giftValueEst": 100,
        "notes": "New-to-UOB principal cardmembers with no current UOB credit card and no UOB card cancellation in the prior six months can receive a S$100 Samsung e-voucher after S$1,000 spend in the first month. Enhanced first-quarter category cashback is not modeled."
      },
      "exclusionsNote": "Generic-spend estimates model only the fixed S$60/S$100/S$200 quarterly award. Not modeled: additional partner, grocery, and Singapore Power utilities cashback; category lists, caps, and tiers change frequently.",
      "pros": ["High % when optimized", "Popular among active optimizers"],
      "cons": ["Monthly thresholds", "Category tracking", "Caps", "Opposite of fuss-free"],
      "bestFor": ["optimizer", "monthly_routine"]
    },
    {
      "id": "ocbc-365",
      "name": "OCBC 365",
      "issuer": "OCBC",
      "network": "Visa",
      "style": "category",
      "flatRate": 0.0025,
      "categoryRates": {
        "petrol": 0.06,
        "dining": 0.05,
        "groceries": 0.03,
        "transport": 0.03,
        "watsons": 0.03,
        "streaming": 0.03,
        "ev_charging": 0.03,
        "utilities": 0.03
      },
      "annualFee": 196.2,
      "firstYearFeeWaived": true,
      "feeWaiverYears": 2,
      "minMonthlySpend": 800,
      "earnCap": 80,
      "earnCapTiers": [
        { "minSpend": 800, "cap": 80 },
        { "minSpend": 1600, "cap": 160 }
      ],
      "fussFreeScore": 40,
      "acceptanceScore": 92,
      "signup": {
        "activeThrough": "2026-09-30",
        "minSpend": 600,
        "windowDays": 30,
        "newToIssuerMonths": 12,
        "termsUrl": "https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/campaign/tncs-governing-the-ocbc-credit-card-welcome-gift-promotion.pdf",
        "cashReward": 180,
        "notes": "New OCBC principal cardmembers with no current OCBC credit card and none in the prior 12 months: spend S$300 within 30 days for the welcome gift, then another S$300 in the same period for S$180 cashback."
      },
      "exclusionsNote": "The S$800/S$1,600 spend tiers and S$80/S$160 caps apply to the listed lifestyle categories. The separate 1% marketing-expense rate (0.5% on advertising instalments) has no minimum spend and no cap; generic-spend rankings do not add it.",
      "pros": ["6% petrol", "5% dining", "3% on groceries, transport and selected recurring spend"],
      "cons": ["S$800 monthly minimum", "Tiered S$80/S$160 caps", "Category constraints"],
      "bestFor": ["optimizer", "dining_heavy"]
    }
  ],
  "presets": {
    "fuss_free": {
      "label": "Fuss-free flat cashback",
      "preferStyles": ["flat", "intro_then_flat"],
      "maxFuss": 100,
      "minFuss": 80,
      "avoidMinSpend": true
    },
    "one_off_large": {
      "label": "Large one-off purchase soon",
      "preferStyles": ["flat", "intro_then_flat"],
      "weightSignup": true,
      "avoidMinSpend": true
    },
    "long_term": {
      "label": "Best long-term simple card",
      "preferStyles": ["flat"],
      "weightOngoing": true,
      "avoidMinSpend": true
    }
  }
}