Singapore Credit Card Changes (November 2026)
Last checked 3 Nov 2026 · 12 items · from the banks' own sites
Banks change card earn rates, caps and perks with a notice on their website or a new version of the terms, and it is easy to miss. Every morning we read the notices, terms and promotions pages of DBS, OCBC, UOB, Citibank, HSBC, Standard Chartered, American Express, Maybank and Trust, and list what changed here: what it was, what it becomes, from when, and who it applies to. Each item links to the bank's own page, so you can check the wording yourself.
Changes coming up
Amex KrisFlyer Singapore Airlines cashback changes on 19 Nov
From 19 Nov 2026, the cashback offer changes from S$150 after S$12,000 spend to S$100 after S$6,000 spend. The new spend period runs from 19 Nov 2026 to 18 May 2027.
| What | Before | After |
|---|---|---|
| Singapore Airlines cashback | S$150 after S$12,000 spend | S$100 after S$6,000 spend |
| Eligible spend period | 1 Jul–18 Nov 2026 | 19 Nov 2026–18 May 2027 |
Cards: American Express Singapore Airlines KrisFlyer Credit Card. Applies to: Existing cardholders. Source: americanexpress.com
UOB PRVI Miles Visa and Mastercard lounge access goes digital
From 23 Nov 2026, Visa and World Mastercard cardholders can no longer enter airport lounges using the physical card. They must show their Digital Membership Card in the Priority Pass or Priority Pass+ app.
| What | Before | After |
|---|---|---|
| Lounge access method | Physical Visa or Mastercard accepted | Digital Membership Card required |
Cards: UOB PRVI Miles Card. Applies to: Visa and Mastercard cardholders. Source: uob.com.sg
HSBC Everyday+ Rewards programme ends on 30 November
The HSBC Everyday+ Rewards programme will conclude on 30 November 2026. The notice does not specify which cardholders or cards are affected.
| What | Before | After |
|---|---|---|
| Everyday+ Rewards programme | Active | Concludes 30 Nov 2026 |
Cards: HSBC Premier Mastercard, HSBC Revolution Credit Card, HSBC TravelOne Credit Card. Applies to: Existing programme members. Source: hsbc.com.sg
Standard Chartered Smart Credit Card EV bonus points end
Bonus 360° Rewards Points on EV charging transactions are applicable only through 31 Dec 2026. The terms don’t state what rewards apply after that.
| What | Before | After |
|---|---|---|
| EV charging bonus points | Available through 31 Dec 2026 | Not specified from 1 Jan 2027 |
Cards: Standard Chartered Smart Credit Card. Applies to: All Smart cardholders. Source: sc.com
Trust Freedom stockback rates fall from 1 Jan 2027
The 3% stockback promo ends on 31 Dec 2026. From 1 Jan 2027, stockback will be 2% on local eligible spend and 0.5% on foreign eligible spend; the S$500 quarterly cap remains.
| What | Before | After |
|---|---|---|
| Local eligible spend | 3% stockback | 2% stockback |
| Foreign eligible spend | 3% stockback | 0.5% stockback |
Cards: Freedom credit card. Source: trustbank.sg
Six UOB cards to be discontinued from 1 Jan 2027
UOB will progressively discontinue these cards starting 1 Jan 2027. Cardholders will receive an SMS in November 2026 with their confirmed card closure date.
| What | Before | After |
|---|---|---|
| Cards | Available | Progressive discontinuation from 1 Jan 2027 |
Cards: UOB Professionals Platinum Card, UOB Old Rafflesians’ Association Card, UOB SG Poly Alumni Platinum Card, UOB Tung Lok Visa Platinum Card, UOB 121 Banking Gold Card, UOB Amex Virtual Pay Card. Applies to: Affected cardholders. Source: uob.com.sg
Already in effect
DBS Vantage local earn rate is 1.4 miles per S$1
From 2 Nov 2026, local spend earns 1.4 miles per S$1, or 1.4% cashback. The previous local rate isn’t stated.
| What | Details |
|---|---|
| Local spend | 1.4 miles per S$1 or 1.4% cashback |
Cards: DBS Vantage Card. Applies to: All DBS Vantage cardholders. Source: dbs.com.sg
KrisFlyer Ascend: Renewal voucher worth 15,000 miles
For renewal annual fees billed and paid from 1 Nov 2026, cardholders receive a 15,000 KrisFlyer miles discount voucher for an eligible redemption booking.
| What | Details |
|---|---|
| Renewal voucher | 15,000 KrisFlyer miles discount |
Cards: The American Express® Singapore Airlines KrisFlyer Ascend Credit Card. Applies to: Renewing cardholders. Source: americanexpress.com
OCBC 365 cashback structure changes from 1 Nov
From 1 Nov 2026, spend at least S$800 in a calendar month to earn up to S$160 cashback. The earn rate is 3% until 31 Mar 2027, then 0.25% from 1 Apr 2027; eligible advertising spend keeps earning up to 1%.
| What | Details |
|---|---|
| Cashback rate | 3% until 31 Mar 2027; 0.25% from 1 Apr 2027 |
| Minimum monthly spend | S$800 |
| Monthly cashback cap | Up to S$160 |
| Eligible advertising spend | Up to 1%, no cap or minimum spend |
Cards: OCBC 365 Credit Card. Applies to: OCBC 365 cardholders. Source: ocbc.com
Promotions
Time-limited offers for existing cardholders and sign-ups. Most need registration or a minimum spend: read the bank's terms first.
KrisFlyer Ascend: Earn Elite Gold with broader spend
From 3 Nov to 16 Dec 2026, spend S$15,000 on eligible purchases, including at least S$5,000 with Singapore Airlines Group, to get upgraded to KrisFlyer Elite Gold.
| What | Details |
|---|---|
| Eligible purchases | S$15,000, including S$5,000 with Singapore Airlines Group |
| Reward | KrisFlyer Elite Gold upgrade |
Cards: The American Express® Singapore Airlines KrisFlyer Ascend Credit Card. Applies to: Eligible cardholders. Source: americanexpress.com
Citi credit cards: up to S$168 PayLite/FlexiBill rebate
From 2 Nov to 31 Dec 2026, convert retail purchases or statement balances into Fee-based Citi PayLite or Citi FlexiBill instalments. The S$168 rebate requires at least S$24,000 in cumulative instalments.
| What | Details |
|---|---|
| Cash rebate | Up to S$168 |
| Minimum instalments | S$24,000 cumulative |
Applies to: Citi cardholders. Source: citibank.com.sg
KrisFlyer Ascend: Earn an 18,000-mile redemption voucher
Spend at least S$10,000 in foreign currency from 1 Nov 2026 to 31 Oct 2027 for a one-off 18,000 KrisFlyer miles discount on an eligible redemption booking.
| What | Details |
|---|---|
| Foreign-currency spend | S$10,000 or more |
| Redemption voucher | 18,000 KrisFlyer miles discount |
Cards: The American Express® Singapore Airlines KrisFlyer Ascend Credit Card. Applies to: Eligible cardholders. Source: americanexpress.com
How this list is made
- Banks' own sites only. We read each bank's notices and promotions pages, its card pages and the card terms (including PDFs). We don't copy blogs or forums.
- New text only. Each day we compare every page with the copy we kept from the day before. New sentences about cards are read by AI, which writes the summary and the before and after table. The link under each item is the bank page it was read from.
- When the terms disagree with a notice, the terms win. A notice can simplify; the card's terms and conditions are what the bank applies.
- Mistakes are possible. This is a summary, not advice. Before you apply for a card or change how you pay, read the bank's page. Spotted an error? Email support@graiden.xyz.
Which card are you actually using?
Graiden logs every purchase from your bank's alert emails, without your bank login, so you can see where your money goes and which card each purchase went on. See how bank-alert tracking works.
More for Singapore: how Singapore spends and guides, comparisons and tools.
Expense tracking that does itself
Set up auto-forwarding once and every purchase is logged and sorted for you. No bank login, no typing, no spreadsheets. Free to start.
