For young adults in Singapore, managing personal finances and building a strong credit profile is an essential life skill. A credit card is often the first step towards financial independence, providing a convenient way to pay for daily expenses, earn rewards, and prepare for larger financial goals. In 2025, there is a wide variety of credit cards available, each offering unique benefits to suit different lifestyles. From dining and travel perks to cashback and online shopping rewards, selecting the right card can make a significant difference in managing money effectively.
This guide explores the best credit cards for young adults in Singapore, highlighting what makes each card suitable for first time applicants or those looking to upgrade their current card. We will cover eligibility requirements, rewards and benefits, fees and charges, partner offers, digital experience, a comparison of the top cards, and practical tips for using credit responsibly.
Eligibility Requirements
Most credit cards in Singapore require applicants to be at least 21 years old, although some banks offer student cards or beginner cards for individuals aged 18 or above. For young adults entering the workforce, minimum income requirements usually range from S$20,000 to S$30,000 per year. First time applicants may benefit from cards that offer lower income requirements or waive certain fees for students and young professionals.
It is important to choose a card that matches your current financial situation. For example, if you are a fresh graduate with an entry level job, a card with a lower income threshold can help you establish credit without putting undue financial pressure on you. For those with irregular income or part time work, some banks provide starter cards that allow flexibility while still offering rewards.
Rewards and Benefits
Young adults often prioritise credit cards that reward everyday spending. Popular categories include dining, online shopping, entertainment, travel, and groceries. Many cards offer points or cashback for each dollar spent, and some provide bonus rewards for specific categories.
For example, a card may offer two points per dollar for dining and one point per dollar for all other purchases. Other cards may provide cashback up to 10 percent for online shopping on selected platforms. Travel enthusiasts can benefit from cards that offer air miles, complimentary travel insurance, or access to airport lounges. It is important to compare how points are accumulated, the ease of redeeming rewards, and whether the rewards align with your lifestyle.
Some cards also provide introductory offers for new cardholders, such as additional reward points or cashback for spending within the first few months. Young adults should take advantage of these promotions to maximise benefits while being mindful not to overspend just to earn rewards.
Fees and Charges
Annual fees can vary significantly depending on the card. Some basic cards have no annual fees, making them ideal for students and first time applicants, while premium cards may charge fees exceeding S$300 per year. Understanding the fees and interest rates associated with each card is essential to avoid unnecessary costs.
Late payment fees and interest rates on outstanding balances can quickly accumulate if payments are not managed carefully. For young adults, choosing a card with manageable interest rates and transparent fee structures is crucial. Many banks offer fee waivers for the first year or for spending above a certain threshold. Additionally, some student cards and starter cards offer low interest rates to encourage responsible credit use.
Partner Offers and Promotions
In 2025, credit cards for young adults in Singapore increasingly include collaborations with local merchants, online platforms, and lifestyle brands. These partnerships can provide exclusive discounts on popular services, from food delivery apps to streaming platforms and ride sharing services.
For instance, a credit card may offer cashback when spending on food delivery apps or discounts at selected cafes and restaurants. Travel related promotions such as discounted hotel bookings or priority boarding can also appeal to young adults who enjoy exploring Singapore and overseas destinations. Keeping track of these partner offers allows cardholders to maximise value and enjoy perks that align with their lifestyle choices.
Digital Experience
Digital banking features are an essential consideration for young adults in Singapore. Most banks provide mobile apps that allow users to manage their accounts, track spending, redeem rewards, and receive real time notifications. Some apps also include budgeting tools, spending categorisation, and financial health insights.
Integration with digital wallets and contactless payments adds convenience for online and offline purchases. Young adults who prefer a mobile first lifestyle should prioritise cards that offer seamless digital experiences, secure transactions, and user friendly interfaces. The ability to monitor spending and set alerts for transactions can help avoid overspending and maintain good credit habits.
Top Credit Cards for Young Adults in Singapore 2025
To help young adults navigate the options, here is a comparison of seven popular credit cards in Singapore for 2025. Each card offers unique benefits catering to different spending habits.
- Standard Chartered Unlimited Cashback Card
- Rewards: Unlimited 1.5 percent cashback on all spending
- Fees: No annual fee
- Eligibility: Minimum income S$30,000 per year
- Benefits: Simple cashback structure suitable for everyday spending, no minimum spend requirement
- OCBC 365 Credit Card
- Rewards: Up to 6 percent cashback on dining, groceries, petrol, and recurring bills
- Fees: Annual fee S$192, waived for first year
- Eligibility: Minimum income S$30,000 per year
- Benefits: Bonus cashback for online shopping, dining, and utility payments
- DBS Live Fresh Card
- Rewards: 5 percent cashback on online shopping and recurring payments
- Fees: Annual fee S$192, waived for first year
- Eligibility: Minimum income S$30,000 per year
- Benefits: Cash rebates on weekend spending, ideal for young professionals
- HSBC Revolution Credit Card
- Rewards: 10 times reward points for dining, online shopping, and entertainment
- Fees: No annual fee
- Eligibility: Minimum income S$30,000 per year
- Benefits: Flexible reward points redemption for air miles or vouchers, targeted at lifestyle spending
- Citi Rewards Card
- Rewards: Up to 10 times points at supermarkets, dining, and online platforms
- Fees: Annual fee S$192, waived for first year
- Eligibility: Minimum income S$30,000 per year
- Benefits: Bonus points during special promotional periods, convenient online rewards redemption
- UOB YOLO Card
- Rewards: Cashback on online spending, dining, and entertainment
- Fees: Annual fee S$192, waived for first year
- Eligibility: Minimum income S$30,000 per year
- Benefits: Mobile app offers personalised promotions, ideal for young adults with active social lifestyles
- Maybank Horizon Visa
- Rewards: Air miles for dining, online shopping, and overseas spending
- Fees: Annual fee S$192, waived for first year
- Eligibility: Minimum income S$30,000 per year
- Benefits: Complimentary travel insurance, airport lounge access, suitable for young adults who travel frequently
This comparison highlights a mix of cashback and rewards cards suitable for varying lifestyles. When selecting a card, young adults should consider which spending categories matter most, the flexibility of rewards, and the digital experience provided by the bank.
Tips for Using Credit Cards Responsibly
Using a credit card responsibly is key to maintaining a healthy credit profile and avoiding debt. Young adults should keep a few important guidelines in mind:
- Pay on Time
Always pay the full statement amount by the due date. This prevents interest charges from accumulating and maintains a positive credit history. - Track Spending
Regularly review transactions using the bank’s mobile app or online banking. Monitoring spending habits helps avoid overspending and identify unnecessary expenses. - Use Rewards Wisely
Focus on cards that align with your spending habits to maximise cashback or points. Do not overspend just to earn rewards, as the benefits may be outweighed by interest or fees. - Start Small
For first time cardholders, begin with a card that has no or low annual fees. As financial confidence and income grow, consider upgrading to a card with higher rewards or travel benefits. - Build Credit History
Maintaining responsible credit use improves credit score, which is important for future financial needs such as personal loans, mortgages, or other credit applications. - Avoid Multiple Cards Initially
Holding multiple cards can complicate repayment and increase the risk of overspending. Focus on one or two cards that offer the best benefits for your lifestyle.
Conclusion

For young adults in Singapore, selecting the right credit card is about more than just rewards. It is an opportunity to develop financial discipline, enjoy benefits tailored to lifestyle, and build a solid credit history. Whether your priority is cashback, rewards points, travel perks, or digital convenience, there is a credit card in 2025 to meet your needs.
By understanding eligibility requirements, fees, partner offers, and the digital experience, young adults can make informed decisions and use credit responsibly. Starting early with the right card sets the foundation for sound financial management, allowing young Singaporeans to enjoy their lifestyle while preparing for future financial goals.
Choosing a credit card wisely, staying disciplined with repayments, and taking advantage of rewards and promotions ensures that credit becomes a powerful tool for financial growth rather than a source of stress. With careful planning and informed choices, young adults in Singapore can navigate the credit card landscape successfully and enjoy the benefits of financial independence.