Credit Card Cashback Calculator

Choosing the right credit card can save you hundreds of dollars every year. The best card for you depends on your spending habits — a heavy diner benefits most from cards like the OCBC 365 (6% dining cashback), while online shoppers should look at the DBS Live Fresh (up to 10% online cashback).

For simplicity, flat-rate cards like the Citi Cash Back+ (1.8% on everything) or Amex True Cashback (1.5%, no annual fee) are excellent choices if you do not want to track spending categories. If you spend above $800/month, category-specific cards almost always give you higher returns.

Miles cards like the DBS Altitude and Citi PremierMiles are better suited for frequent travellers who value airline miles over immediate cashback. Keep in mind that miles cards typically require higher annual spend to break even on the annual fee.

Our calculator above takes your actual spending amounts and computes the real monthly cashback you would earn from each card — factoring in minimum spend requirements, category caps, and bonus tier qualifications. Enter your numbers to see which card puts the most money back in your pocket.