Best Bank Offers Singapore July 2025. This month’s top financial deals include 50 percent cashback on public transit with American Express. Business Class flight giveaways from HSBC. and bonus miles or interest from other top banks. From rewards on daily transport to luxury travel prizes. Singaporeans have multiple reasons to make the most of their spending in July.
Whether you take the MRT daily. dine out on weekends. or dream of flying business class. there’s likely a bank offer tailored for your lifestyle. In this round-up. we explore the 7 best bank offers in Singapore this July. covering cards from American Express. HSBC. DBS. UOB. OCBC and more.
1. Best Bank Offers Singapore. Amex Cashback on Public Transit
American Express True Cashback Card users now get 50 percent cashback on all public transit fares. This includes MRT. buses. and even LRT rides paid through SimplyGo.
This promotion runs throughout July. with a cap of SGD 15 cashback per user. The deal is ideal for daily commuters looking to reduce transport costs.
To qualify. cardholders must opt in via the Amex app. and charges must be posted within the month. The offer is also stackable with existing Amex promotions.
2. HSBC Lets You Win Business Class Flights
HSBC is running a travel-themed lucky draw in July. giving cardholders a chance to win round-trip Business Class flights to Tokyo. Paris. or London.
To enter. customers need to spend a minimum of SGD 800 in a single receipt on eligible categories. including dining. online shopping. and travel bookings. Each qualifying spend earns an entry into the draw.
HSBC’s Revolution Card and Visa Infinite Card users automatically qualify. Winners will be notified by August. and flight vouchers will be valid through March 2026.
3. UOB One Card Gives 15 Percent Cashback on Dining
Dining out in July just got tastier. thanks to UOB’s latest offer. The UOB One Card now gives up to 15 percent cashback at over 50 partner restaurants. cafes. and delivery platforms.
Participating names include Swensen’s. Din Tai Fung. GrabFood. and Foodpanda. Cardholders must spend a minimum of SGD 500 monthly to unlock maximum cashback.
The cashback will be credited in the next billing cycle. making it a great ongoing reward for food lovers.
4. DBS Altitude Offers 3 Miles Per Dollar on Travel
Frequent travellers will appreciate the DBS Altitude Card promo. Throughout July. cardholders will earn 3 miles per SGD 1 spent on travel-related expenses. including hotel bookings. airline tickets. and online travel platforms.
This is an increase from the usual 1.2 to 1.5 miles per dollar and makes the card highly competitive for those planning year-end vacations or work trips.
No registration is needed. but spending must be charged directly in SGD or foreign currency. Bonus miles will be credited by the end of August.
5. OCBC 365 Gives Up to 8 Percent Cashback on Utilities
OCBC 365 Card holders can now enjoy up to 8 percent cashback on utilities and recurring telco bills. Payments made to SP Group. StarHub. Singtel. and M1 are eligible.
This offer runs throughout July. with a monthly cashback cap of SGD 80. Cardholders must spend at least SGD 800 on total monthly spend to unlock full benefits.
It’s a smart deal for households looking to save on essential monthly bills without changing service providers.
6. Standard Chartered Bonus Interest on New Savings Accounts
Standard Chartered Bank is offering bonus interest rates of up to 5 percent per annum for new Bonus$aver account holders. Customers who open a new account and meet deposit and spending targets can earn boosted interest on balances up to SGD 100,000.
To qualify. account holders must credit their salary. pay bills via GIRO. and spend at least SGD 500 monthly on a linked credit card.
This is a strong offer for those looking to grow their savings passively while maintaining regular financial activity.
7. Citi PremierMiles Card Offers SGD 200 Cashback Welcome Gift
New customers applying for the Citi PremierMiles Card in July can get SGD 200 cashback upon approval and a minimum spend of SGD 800 within the first 60 days.
Additionally. the card continues to offer 2 miles per SGD 1 on overseas spending and 1.2 miles on local purchases. Great for those planning mid-year getaways or shopping sprees.
This welcome gift is one of the highest among entry-level travel cards in the market. making Citi’s offer hard to ignore.
How to Choose the Best Bank Offer for You
With so many options on the table. picking the right bank offer depends on your lifestyle. spending habits. and financial goals. Here are some tips:
- For commuters. Amex’s 50 percent transit cashback is unbeatable.
- For frequent travellers. DBS Altitude and HSBC’s Business Class draw are top picks.
- For diners. Go with UOB One or OCBC 365 for cashback.
- For savers. Look into Standard Chartered’s Bonus$aver bonus interest.
Always read the terms and conditions. as caps. exclusions. and registration requirements may apply. Using a mobile banking app to track eligible spending can help maximise returns.
Why Banks Are Offering Bigger Rewards in 2025
With rising competition in Singapore’s credit card market. banks are fighting for customer loyalty. Financial institutions are rolling out bigger cashback. more miles. and unique perks to keep existing users engaged while attracting new sign-ups.
July also marks the mid-year promotional period. where banks often release limited-time deals tied to National Day. travel season. and end-of-quarter campaigns.
With the economy showing signs of steady growth. banks are also more confident in rewarding consumer spending.
Final Thoughts
If you’ve been waiting for the right time to sign up for a new card. pay off bills. or start saving smarter. July 2025 is full of opportunities. From cashback and bonus miles to Business Class giveaways and boosted interest. Singapore’s banks are making it easier than ever to earn as you spend.
Whether you’re a commuter. a shopper. a traveller. or a family managing household bills. there’s something on this list that can help you make the most of your money this month.
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