Find the purr-fect
card for you.
We've simplified the Singapore credit card maze into a simple, easy flow. Find your best match in under 60 seconds.
Choose your starting point
No sign-up.
Why we built this
The right card could save you hundreds a year.
We help you find yours.
I built Credit Cat because the answer isn't a "best card of the month" list — it's hidden in how you actually spend.
Caps that bite
The usual:Card X is great for diners — pays 8% cashback on dining. You'll save a meaningful amount per year on food.
Credit Cat, on your numbers:S$800/mo dining, 8% capped at S$50/mo: you cap out at S$625 spend. Above that, you earn 0.3%.
Net dining cashback: S$50.53/mo → S$606/yr.
Net dining cashback: S$50.53/mo → S$606/yr.
● Computed on your spend, after cashback/miles caps
Combined two-card value
The usual:For dining, use Card A. For groceries, use Card B.
(You add it up.)
(You add it up.)
Credit Cat, on your numbers:Carrying Card A and Card B together earns +S$214/yr vs. carrying only the dining card. Picks ranked by combined annual value.
● Est. benefits across cards, ranked by your spend patterns
The math isn't hard. It's hard for you when it's your spend across your categories.
Why we start from your spend
Existing tools answer "which card is best?"
We answer "this suits your spend."
Directories
"Top cashback cards this month."
Editorial pick. Not your spend.
Generic AI
"Card X is great for diners."
Confident. Unverified. Not your numbers.
Credit Cat
"On your S$800/mo dining, you'd earn S$606/yr."
Your spend. Real math. Sourced.
What Credit Cat doesn't include
Being honest matters more than sounding comprehensive.
- Sign-up bonuses and promotional rates aren’t factored into the picks.
- Card perks (lounge access, travel insurance, concierge) aren’t included — we focus on what you earn back in cash or miles.
- Annual fees aren’t counted against a card unless a fee-waiver condition is met.
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 2026-06-16. 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.