Online Shopping

Online shopping can be a very nebulous term, and all the banks have different definitions. DBS probably has the widest interpretation for what counts as online, but you should refer to this crowdsourced spreadsheet for the latest reports. Here are the official MCCs that UOB considers for the Preferred Platinum Visa, OCBC considers for the Titanium Rewards, and Citibank considers for the Rewards Visa.




Min Income
Annual Fee

$30,000

$192.60

UOB Preferred Platinum Visa

One of the best cards to use whenever contactless payments are available.
  • Earn 4 mpd on online shopping and entertainment, Paywave and Mobile Payments, capped at $1,000 of spend per month
  • You do not earn miles/UNI$ wherever SMART$ are also awarded. See a list of SMART$ merchants here

more details

Apply Here
Min Income
Annual Fee

$30,000

$192.60 (First Year Free)

Citibank Rewards Visa

Earn up to 4 miles per dollar on all your online and offline shopping, and transfer them to the widest range of airlines offered by any bank
  • Earn 4 mpd for all your online and offline shopping, capped at $12,000 of spend each card membership year. This includes purchases of bags, shoes and clothes as well as shopping at department stores. Exhaust your cap? Get the Mastercard version and double your cap to $24,000
  • From now till 29 Jan 2018, enjoy 8 mpd on Amazon Prime Now purchases, capped at $1,000 each statement cycle
  • New Citibank customers can earn up to $120 of cashback for spending $200 in each of the first 6 months after application (if you're lost for ideas, buy Amazon or Qoo10 vouchers)
  • Points have a 5 year expiry and Citibank has the widest range of airline partners in Singapore- SIA, Cathay, Qantas, Qatar Airways, Air France, KLM, Etihad, Thai, Malaysia Airlines, British Airways, EVA, and Garuda
  • Remember that Citibank does not pool points among different cards.  This means you will have to pay a separate conversion fee for each credit card when you want to cash out your points

more details




Apply Here
Min Income
Annual Fee

$30,000

$192.60 (First 2 Years Free)

OCBC Titanium Rewards

Earn 4 miles per dollar wherever mobile payments are accepted, and for online and offline shopping
  • Earn 4 miles per dollar when you shop at department stores, electronics stores, babies' and children's wear, or clothes, shoes and bags both online and offline, in Singapore and overseas
  • From now till 31 December 2018, earn 4 mpd on personal care (drug stores and pharmacies) and mobile payments with Android Pay, Apple Pay and Samsung Pay
  • Bonus miles are capped at $12,000 of spend per card membership year. But apply for both the Blue and Pink version of the card and double that cap to $24,000 (96,000 miles)
  • Spending on the OCBC Titanium Rewards helps you earn bonus interest if you have an OCBC 360 account. Check out this article about bank accounts and miles cards

more details



Min Income
Annual Fee

$80,000

$192.60 (First Year Free)

DBS Woman's World Card

Despite the name, men can (and should) apply for this too. 4 miles per dollar for online spending make this one of my favourite cards.
  • Earn 4 mpd on the first $2,000 of online spending each month. Air fare, movie tickets, food delivery, Grab/Uber, bookstores, AirBnB, groceries, inflight Wi-Fi, you name it. For a crowd-sourced listing of what counts as online spend, try referring here
  • Earn 1.2 mpd on all overseas currency spending. Don't worry, if it's online and overseas currency, the 4 mpd takes precedence
  • This is a World Mastercard, so you get to enjoy special privileges like the fourth night free with selected SPG resorts and a US$100 hotel credit among other things
  • If you don't meet the $80,000 income requirement, consider applying for the DBS Woman's Card with a $30,000 income requirement instead
  • DBS Points pool together in a common account, so you'll only ever pay one conversion fee

more details



Apply Here