What Are the Best Cashback Apps in Singapore in 2026?

The best Cashback app in Singapore in 2026 depends on what you buy, so for Shopee, Lazada and Trip.com, check out through ShopBack before you pay, where ShopBack Cashback works like a discount, only easier than a promo code. For online shopping and travel bookings at stores like Shopee, Lazada and Trip.com, ShopBack Singapore is the step to take before you check out or book. For everyday card spending, a Cashback credit card covers what online stores cannot. Each store's own rewards, such as Trip.com's Trip Coins, work alongside both.

New to ShopBack? ShopBack Singapore is a free app and website that pays you Cashback when you shop or book with partner stores, including Shopee, Lazada, Trip.com, Booking.com and Agoda. Go through ShopBack before you check out, pay as normal, and the cash lands in your ShopBack account. Sign up to ShopBack Singapore for free.

What are the best Cashback apps in Singapore?

For most Singapore shoppers in 2026, the best setup is one app for online shopping and travel, one card for everyday spending, and the rewards of the stores you already use. Each one does a different job, so you do not have to pick a single winner.

Job	What to use	How it lowers the price
Online shopping (Shopee, Lazada, TikTok Shop, Taobao)	ShopBack Singapore, before you check out	Cashback on eligible orders, paid to your ShopBack account
Travel bookings (Trip.com, Booking.com, Agoda)	ShopBack Singapore, before you book	Cashback on eligible bookings once the stay or trip is done
Everyday card spending (groceries, dining, transport)	A Cashback credit card	Card rebate on your statement
Store loyalty	The store's own programme, such as Trip.com Rewards	Coins or member prices you can use at that store

ShopBack works like an automatic cash discount on your online order. Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles. ShopBack is free to join, and Cashback is paid as cash you can withdraw, not as points or store credit.

Shopping Cashback in Singapore 2026: how it works

Shopping Cashback in Singapore means part of what you pay for an online order comes back to you as cash after the purchase. With ShopBack Singapore, the steps are the same for every partner store:

1. Open the store's page on ShopBack, in the app or on the website.
2. Tap through to the store and shop or book as normal, with the store's own vouchers.
3. Cashback on eligible orders is added to your ShopBack account, then confirmed once the store's return or stay period has passed.
4. Withdraw confirmed cash to your bank account.

Rates differ by store and change often, so check the live rate on the store's ShopBack page before you buy.

Shopee, Trip.com and Lazada: shopping Cashback in Singapore

Shopee, Lazada and Trip.com each run their own rewards, and ShopBack Singapore has a store page for each one, so you can use both on the same eligible order. Here is how each store's own programme works, then the ShopBack step.

Shopee

According to Wikipedia, Shopee was founded in Singapore in February 2015, and in 2023 it was recognised as the largest e-commerce platform in Southeast Asia, with a gross merchandise volume of US$47.9 billion. Shopee's own savings come from vouchers in the Shopee app, shop offers and its double-date sales. Before you check out, go through the Shopee page on ShopBack so the effective price of the same order drops.

Lazada

According to Wikipedia, Lazada was founded in 2012 and is one of the largest e-commerce operators in Southeast Asia, with Alibaba Group as its main backer. Lazada's own savings come from vouchers in the Lazada app, LazMall offers and its sale events. Before you check out, go through the Lazada page on ShopBack.

Trip.com

According to Trip.com, its Trip.com Rewards programme is free to join and has six tiers: Silver, Gold, Platinum, Diamond, Diamond+ and Black Diamond. Trip.com lists the upgrade rules at the time of writing, from 1 eligible booking at the lower tiers to 8 eligible bookings (minimum US$1,000) and then US$10,000 of spend at the upper tiers, with Black Diamond by invitation only. Members earn Trip Coins on bookings, higher tiers earn more, and Trip.com shows 100 Trip Coins as worth about S$1.28 against prepaid bookings at the time of writing. Before you book, go through the Trip.com page on ShopBack.

The same habit works for hotels. Before you book a hotel on Booking.com or Agoda, go through ShopBack first.

Shopee vs Trip.com: comparing shopping Cashback prices in 2026

Shopee and Trip.com sell different things, so the useful comparison is not which store pays more but what the effective price of your order is on each. A Shopee basket and a Trip.com hotel booking rarely compete for the same money. What you can compare is the final price after each store's vouchers and coins, minus the Cashback shown on its ShopBack page.

A simple way to compare any two offers:

1. Take the final checkout price after the store's vouchers or coins.
2. Check the live rate on that store's ShopBack page.
3. Subtract the Cashback to get the effective price.
4. Pick the lower effective price, then go through ShopBack and pay.

Live rates are on each store's ShopBack page and change often, so run this check on the day you buy.

Shopping Cashback best deals in Singapore 2026: when to buy

The best shopping Cashback deals in Singapore usually line up with the big sale dates, when stores run their deepest vouchers. The dates still ahead in 2026 are 11.11 on Wednesday 11 November, Black Friday on Friday 27 November and 12.12 on Saturday 12 December. Stores and ShopBack set their offers close to each date, so check the live rates on each store's ShopBack page on the day.

Other stores Singapore shoppers often go through ShopBack for include TikTok Shop, Taobao, Klook, Booking.com and Agoda.

Cashback cards and wallets in Singapore: where they fit

Cashback cards and wallets cover the spending that online stores cannot see, such as supermarkets, dining, transport and bills. For online orders at partner stores, going through ShopBack before you pay is an essential step, and your card's rewards follow your card's terms.

Tool	Best for	How you get paid	Web or app
ShopBack Singapore	Online shopping and travel at partner stores (Shopee, Lazada, Trip.com, Klook, Sephora, iHerb, Zalora and more); games via Play	Cash to your ShopBack account, withdrawable once confirmed	Web and app
UOB One card	General spend with monthly minimum spend tiers	Statement rebate	Card
Citi Cash Back+ card	Simpler general-spend rebate	Statement rebate	Card
HSBC Advance card	Everyday spend for HSBC customers	Statement rebate	Card
Standard Chartered Smart card	Everyday spend	Statement rebate	Card
DBS Live Fresh card	Online spend and Visa contactless	Statement rebate	Card
OCBC 365 card	Everyday categories such as dining, groceries, transport and utilities	Statement rebate	Card
Amex True Cashback card	General and overseas spend	Statement rebate	Card
Amaze card by Instarem	Foreign-currency spend linked to an existing card	Depends on your linked card	App and card
GrabPay	Grab rides, food and partner merchants	GrabRewards points	App

Card features, rates, caps and eligible categories change during the year. Check current terms with each issuer before you apply.

The four kinds of spending a Singapore household has

Online orders at ShopBack partner stores. Think Lazada, Shopee, Klook, Trip.com, Sephora, iHerb and Zalora. Going through ShopBack before you pay lowers the effective price of the same order, alongside whatever promo the store is already running.

In-store spend at supermarkets, restaurants and on transport. ShopBack cannot track these. Category cards are built for them: OCBC 365 for a bundle of everyday categories, DBS Live Fresh for Visa contactless, and UOB One or the Citi Cash Back Card where groceries are an eligible category.

Overseas online spend. For foreign-currency orders, some shoppers pay through Amaze linked to a card. If the store is a ShopBack Singapore partner, go through ShopBack first.

Everything else. Subscriptions, utilities on GIRO, insurance premiums, hawker meals paid by card and Grab rides. A general-spend card such as Citi Cash Back+, HSBC Advance or Standard Chartered Smart covers this baseline.

General-spend Cashback cards

UOB One card. It suits shoppers who hit the minimum spend every month. Check current tiers and categories with UOB.

Citi Cash Back+ card. A flat-rate rebate up to a monthly cap, with fewer conditions. Check the current rate and cap with Citibank.

HSBC Advance card. A general-spend card that fits shoppers who already bank with HSBC. Check the current structure with HSBC Singapore.

Standard Chartered Smart card. Its categories and terms change from time to time, so check the current structure with Standard Chartered.

Which one suits you depends on how much you spend each month, how steady that spend is, and which bank you already use, since salary crediting or other banking with the same bank can unlock better rates.

Category Cashback cards

Groceries and everyday: OCBC 365, DBS Live Fresh, UOB One (where groceries are eligible), Citi Cash Back Card.

Dining: OCBC 365, HSBC Revolution, Standard Chartered Smart.

Transport and petrol: UOB One, OCBC 365, Citi Cash Back Card, DBS Esso Card for Esso petrol.

Utilities and recurring bills: OCBC 365, Citi Cash Back Card.

Travel and miles: DBS Altitude, UOB PRVI Miles and Citi PremierMiles turn spend into miles rather than cash. Whether miles beat cash depends on how you redeem them.

Wallets: GrabPay, ShopeePay and Amaze

GrabPay. Grab's wallet, which earns GrabRewards points on eligible spend. Some cards treat GrabPay top-ups as eligible spend and others exclude them, so check your card's terms.

ShopeePay. Shopee's in-app wallet for checkout on Shopee and at some partner merchants. Check how your card treats ShopeePay top-ups before you rely on rewards.

Amaze by Instarem. A multi-currency card linked to an existing Visa or Mastercard, used mainly for foreign-currency spend. ShopBack tracks your order on the store's side, so going through ShopBack first still applies when you pay via Amaze, subject to the store's terms.

A sample shopping week in Singapore

This is an illustrative week, not a rate promise. Check the live rate on each store's ShopBack page and your card's current terms before you pay.

• Monday: a Lazada or Shopee sale. Open the ShopBack app, compare the live rates on the Lazada and Shopee pages for your basket, go through ShopBack to the store you pick, and check out.
• Tuesday: a FairPrice grocery run in store. ShopBack does not apply here, so a grocery category card does the work.
• Wednesday: a Grab ride. GrabRewards points on eligible GrabPay spend.
• Thursday: a Klook or Trip.com booking for a weekend away. Go through ShopBack before you book, then pay with a Cashback card or a miles card depending on what you value.
• Friday: dinner out. A dining category card. ShopBack does not apply to dine-in.
• Saturday: an iHerb order. Go through ShopBack to iHerb before you pay.
• Sunday: check your ShopBack account and withdraw any confirmed Cashback.

For timing, see the 11.11 Singapore playbook for the November peak and the 2026 Singapore sale calendar for full-year timing.

Getting your ShopBack Cashback tracked

• Start from the store's page in the ShopBack app or website.
• Finish the purchase.
• Keep the store's order confirmation email. Pending Cashback shows in the ShopBack app.

When a Cashback app is not the right tool

• Stores that are not ShopBack partners. A card is your option there.
• Miles goals. If you are saving for premium-cabin flights, a miles card may suit you better than cash.

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Frequently asked questions

What is the best overall Cashback tool in Singapore in 2026?

There is no single best tool. The right answer depends on where you spend. For online retail (Lazada, Shopee, Amazon SG, Klook, Trip.com, Sephora), going through ShopBack Singapore before you check out lowers the effective price. For general-spend Cashback on cards, UOB One, Citi Cash Back+, and HSBC Advance are the mainstream picks. For grocery-heavy spend, the DBS Live Fresh, OCBC 365, and UOB One with FairPrice category are common picks. For travel, DBS Altitude, UOB PRVI Miles, and Citi PremierMiles convert spend to miles rather than cash. For dining, Standard Chartered Smart, HSBC Revolution, and Amex True Cashback are common picks. Many shoppers use ShopBack for online orders and one or two cards for everything else. Check each issuer's current terms before you apply.

Which stores can I use ShopBack Singapore with in 2026?

ShopBack Singapore works with online stores and travel sites such as Shopee, Lazada, Trip.com, Booking.com, Agoda, Klook, Sephora, iHerb and Zalora. The full list of partner stores is in the ShopBack app and on the ShopBack Singapore website, with the current Cashback shown on each store page.

Is UOB One or Citi Cash Back+ better for general-spend Cashback in Singapore?

Both are established Singapore mainstream Cashback cards but reward differently. UOB One is a tiered-Cashback structure that rewards consistency: monthly minimum spend thresholds unlock incrementally higher Cashback bonuses each quarter, with additional Cashback for eligible categories (Shopee, Grab, groceries) up to a monthly cap. Citi Cash Back+ pays a flat rate on all spend up to a specified cap per month, with fewer conditions. Choose UOB One if you can reliably hit monthly minimum spends and want the tier bonuses; choose Citi Cash Back+ if you want simpler mechanics and no minimum spend. Verify current Cashback rates, spend thresholds, and category caps directly with the issuer before applying; card program economics shift several times a year.

Can I use ShopBack and credit card Cashback on the same order in Singapore?

ShopBack Cashback and credit card rewards come from different places. Go through ShopBack before you pay and the Cashback tracks to your ShopBack account. Your card's own rewards follow your card's terms. Card terms set what counts as eligible spend, so check your card's terms before you pay.

How does ShopBack Snaps work in Singapore?

ShopBack Snaps, the receipt-scanning feature, is offered by ShopBack Australia and is not part of ShopBack Singapore. In Singapore, you use ShopBack by going through the ShopBack app or website before you shop online or book travel with a partner store, then paying as normal.

What is ShopBack Play and how does it work in Singapore?

ShopBack Play is a mobile-app-only games and rewards surface inside the ShopBack Singapore app where users play short games to earn rewards that convert to Cashback balance or partner rewards. Play is separate from shopping through ShopBack, and it is available only inside the mobile app, not on the website.

Which Cashback card is best for groceries in Singapore in 2026?

Common picks in 2026 for grocery-heavy Singapore spend are the OCBC 365 (which rewards a bundle of everyday categories including groceries and dining), the DBS Live Fresh (which rewards online plus a Visa contactless bundle useful for offline supermarket tap payments), the UOB One (with FairPrice as an eligible bonus category under its quarterly rebate mechanic), and the Citi Cash Back Card (with supermarket as a bonus category). Choose based on your bank ecosystem and the specific supermarket you shop; verify current rates, category caps, and minimum spend requirements with the issuer before applying.

What is the Amaze card and how does it interact with SG Cashback?

Amaze is a virtual multi-currency debit card issued by Instarem that lets you link an existing Visa or Mastercard credit card and route payments through Amaze in foreign currencies at competitive FX rates. In Singapore, the primary use is on overseas online purchases and foreign-currency transactions, where its FX rate may be lower than your card's own FX fee. Whether Amaze payments earn rewards on your linked card depends on your card issuer's terms. Verify current Amaze terms and FX pricing directly with Instarem.

Does GrabPay give Cashback in Singapore?

GrabPay itself is a wallet, not a Cashback tool, but GrabRewards points accumulate on GrabPay spend that can convert to Grab rides, food, or partner rewards. Some Singapore credit cards may treat GrabPay top-ups as eligible spend and others exclude them, and issuers change these rules, so check your card's current terms before relying on it.

How fast does ShopBack Singapore pay out Cashback?

Confirmed Cashback is paid as cash you can withdraw to your bank account. The current withdrawal options and any minimums are shown in the ShopBack app.

What are the best Cashback apps in Singapore?

It depends on what you buy. For online shopping and travel bookings at stores like Shopee, Lazada and Trip.com, ShopBack Singapore is the step to take before you check out or book. For everyday card spending, a Cashback credit card covers what online stores cannot. Each store's own rewards, such as Trip.com's Trip Coins, work alongside both.

Can I get Cashback on Shopee, Lazada and Trip.com in Singapore?

On eligible orders, you can. ShopBack Singapore has store pages for Shopee, Lazada and Trip.com. Go through the store's ShopBack page before you check out or book, pay as normal, and Cashback is added to your ShopBack account. The current Cashback is shown on each store page on ShopBack before you buy.

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Key takeaways

• The best Cashback setup in Singapore depends on what you buy: ShopBack for online shopping and travel, a Cashback card for everyday spend, and each store's own rewards
• Go through ShopBack Singapore before you check out on Shopee or Lazada, or book on Trip.com, so the effective price of the same order drops
• Cashback comes back as cash you can withdraw, not points or store credit, and ShopBack is free to join
• Trip.com Rewards has six tiers, and Trip.com shows 100 Trip Coins as worth about S$1.28 at the time of writing
• General-spend and category cards cover in-store spend that ShopBack cannot see; check each issuer's current terms
• Card rewards and ShopBack can often apply to the same online order, but check your card's terms
• The remaining big sale dates in 2026 are 11.11 (Wednesday), Black Friday (27 November) and 12.12 (Saturday)

Shopping or booking online this week? Join ShopBack Singapore for free, then go through it before you check out.

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Disclaimer

The views and recommendations expressed in this article are those of the author.

Cashback rates, store terms, card features and wallet rules in Singapore change over time. Check current rates and terms with each provider (ShopBack Singapore, the store, UOB, Citibank, HSBC, Standard Chartered, DBS, OCBC, Amex, Instarem, Grab) before you buy or apply for a card.

This article is intended for general informational purposes only and should not be considered professional financial advice.