In an age where every cent matters, Singaporeans are becoming increasingly savvy about making the most of their everyday spending. Cashback and rewards apps have emerged as powerful tools in the pursuit of financial efficiency, offering consumers rebates, loyalty points, and other incentives for routine purchases. Whether you’re paying for a cup of kopi, shopping online, or topping up your MRT card, there’s likely an app to help you earn while you spend.

Singapore, with its tech-forward populace and mobile-first economy, is home to a robust and rapidly evolving ecosystem of cashback and rewards platforms. These apps are not just about saving money; they also offer a seamless digital experience, gamified engagement, and partnerships that make life a little more rewarding. This article explores the best cashback and rewards apps in Singapore in 2025, examining their features, benefits, and how they stand out in a competitive market.

1. ShopBack – The Cashback Pioneer

Overview:
ShopBack has established itself as a household name across Southeast Asia, and in Singapore, it remains the go-to cashback app for online shopping. Partnering with over 4,000 merchants globally—including giants like Lazada, Shopee, Agoda, and Zalora—ShopBack rewards users with a percentage of their purchase in real cash, not just store credit.

Key Features:

• Up to 30% cashback depending on the merchant and promotional period.
• ShopBack Pay allows for cashback at offline stores including Watsons and Guardian.
• ShopBack Travel hub offers exclusive hotel and flight booking rebates.
• Frequent bonuses, challenges, and voucher stacking options.

Best For:
Online shoppers who want to consolidate their purchases across various platforms for maximum cashback potential.

Pro Tip:
Combine ShopBack with credit card promotions for a double dip in rewards.

2. Fave – Cashback Meets Lifestyle

Overview:
Fave blends lifestyle discovery with tangible financial rewards. Originally launched to offer deals for restaurants and wellness services, it has expanded to become a robust cashback ecosystem for in-store purchases.

Key Features:

• FavePay gives instant cashback (up to 20%) credited directly to your Fave wallet.
• Seamless integration with PayNow and major banks.
• Includes offers from cafes, gyms, beauty salons, and clinics.
• FaveDeals for prepaid vouchers at discounted prices.

Best For:
Foodies, spa-goers, and urbanites who frequently patronise local businesses.

Pro Tip:
Use prepaid deals to lock in discounts and combine them with the cashback for a triple saving strategy.

3. GrabRewards – Everyday Essentials, Everyday Points

Overview:
What began as a ride-hailing service has evolved into a super app, and Grab’s rewards ecosystem is one of its strongest components. GrabRewards allows users to earn points from rides, food deliveries, and mobile wallet payments.

Key Features:

• Earn points from Grab rides, GrabFood, GrabMart, and GrabPay transactions.
• Tiered membership with exclusive perks for Silver, Gold, and Platinum users.
• Points can be redeemed for Grab vouchers, partner offers, or charitable donations.
• Integrated with GrabPay Card for spending at non-Grab merchants.

Best For:
Consumers who regularly use Grab’s services and want consistent value from their everyday habits.

Pro Tip:
Platinum users gain access to surprise offers and early-bird deals—so it’s worth maximising usage to climb the tiers.

4. Yuu Rewards Club – Points That Add Up Fast

Overview:
Yuu Rewards Club is one of Singapore’s newest multi-brand loyalty programmes, bringing together major retailers like Cold Storage, Giant, Guardian, BreadTalk, and 7-Eleven under one reward umbrella.

Key Features:

• Earn points at over 1,000 retail outlets with one single app.
• Points redemption at checkout or within the app for e-vouchers.
• Daily deals and bonus point events.
• In-app gamification to win extra rewards.

Best For:
Families and individuals who regularly shop at Dairy Farm Group outlets and want to consolidate rewards into one unified platform.

Pro Tip:
Use the app’s calendar for ‘Yuu Specials’—limited-time campaigns that offer significantly higher point accrual.

5. Kris+ by Singapore Airlines – Luxury Meets Local

Overview:
While Kris+ started as a way for KrisFlyer members to earn and spend miles on-the-ground, it has grown into a comprehensive lifestyle rewards app. Offering a wide variety of retail, dining, and lifestyle options, Kris+ enables users to use their miles like cash.

Key Features:

• Earn and redeem KrisFlyer miles with local merchants.
• Bonus miles promotions, sometimes up to 9 mpd (miles per dollar).
• Payment integration with Apple Pay and Google Pay.
• Exclusive content and member-only dining events.

Best For:
Travellers and miles enthusiasts who value frequent flyer rewards and premium lifestyle experiences.

Pro Tip:
Transfer Amex or Citibank points to KrisFlyer, then use Kris+ to spend them without booking a flight.

6. UOB TMRW and UOB Rewards+ – Bank-Integrated Cashback

Overview:
UOB’s digital banking platform, UOB TMRW, integrates the UOB Rewards+ programme, offering cashback and rewards tracking in a streamlined interface. It complements traditional banking with cashback, investment insights, and card benefits.

Key Features:

• Personalised rewards based on spending categories.
• Cashback on Grab, McDonald’s, and selected transport merchants.
• Use rewards for miles, vouchers, or offsetting bill payments.
• AI-powered spending insights.

Best For:
UOB credit cardholders who want to maximise the value of their spending through tailored rewards.

Pro Tip:
Activate campaigns in-app to boost point earning during festive periods and sales seasons.

7. Revolut and YouTrip – Cashback on FX and Travel

Overview:
Although primarily known for their multi-currency wallets, both Revolut and YouTrip have integrated cashback rewards for overseas spending, especially useful for those who travel or shop internationally.

Key Features:

• No foreign transaction fees for overseas purchases.
• Periodic cashback campaigns for travel bookings and retail.
• Currency exchange at interbank rates.
• Spend tracking and budgeting features included.

Best For:
Frequent travellers and online shoppers who deal with foreign currency transactions.

Pro Tip:
Look out for limited-time partnerships with Agoda, Expedia, and Klook for enhanced cashback.

8. Hoolah (Now Grab PayLater) – Buy Now, Save Later

Overview:
Originally a standalone buy-now-pay-later platform, Hoolah is now integrated into Grab as PayLater. Beyond just splitting payments, users also gain access to cashback incentives and promotions for using deferred payment options.

Key Features:

• Interest-free instalments across a range of online and physical stores.
• Cashback vouchers for using PayLater across selected categories.
• Integrated with Grab’s super app for seamless user experience.
• Real-time credit checks and responsible spending tools.

Best For:
Shoppers who want to manage cash flow while still being rewarded.

Pro Tip:
Use PayLater for big-ticket items and combine with GrabRewards for a maximised return.

Choosing the Right App: What to Consider

When deciding which cashback or rewards app to integrate into your daily life, consider the following:

1. Spending Habits – If you shop mostly online, ShopBack reigns supreme. For dining and lifestyle, Fave is ideal.
2. Preferred Merchants – Yuu Rewards covers supermarket and pharmacy chains, while Grab excels in transport and delivery.
3. Reward Format – Cashback, points, or miles? Each serves a different purpose, depending on your financial goals.
4. Ease of Redemption – Apps like Fave and Grab make redemptions quick and intuitive.
5. Bonus Campaigns – Watch for seasonal or partner promotions that significantly enhance returns.

Conclusion

Cashback and rewards apps in Singapore are no longer just add-ons—they are integral tools for optimising personal finance. From grabbing a meal at your favourite hawker stall to booking your next holiday, there are opportunities to earn, save, and stretch your dollar further with every transaction.

The best part? These apps are constantly evolving, expanding their offerings and introducing new features to meet the dynamic needs of the modern consumer. Whether you’re a student looking to save on bubble tea or a frequent flyer maximising air miles, the right combination of apps can turn everyday spending into a rewarding journey.

In 2025, with inflation and digital commerce at the forefront of consumer concerns, the adoption of such platforms is not just smart—it’s essential. Embrace them wisely, and let every ringgit, cent, or mile work harder for you.