What card do I use for…

Remember that this guide only shows you the optimum card within a category. Depending on your overall spending, it may make sense to stick to cards from only one bank as opposed to a best-of-breed strategy so as to avoid the problem of orphan points and multiple conversion fees. For example, if you spend minimally on dining out, it may make sense to use DBS cards for everything notwithstanding the fact that DBS has no specialized dining card. This also does not take into account occasional promotions that banks may run.




Graphic Version (still in beta mode, use the list version below if it gives you trouble)


List Version

Dining

Buying air tickets online

Booking hotels online

  • Kaligo- 10 mpd for Citibank Premiermiles + DBS Altitude Visa + AMEX cards + UOB PRVI Miles
  • DBS Woman’s World Card- 4 mpd, limit $2K per month (only works if your reservation is fully prepaid online)
  • DBS Altitude Visa + AMEX- 3 mpd, limit $5K per month (only works if your reservation is fully prepaid online)

Petrol

  • UOB Visa Signature Card– 4 mpd, min $1K max $2K local currency spending per statement cycle (except Shell/SPC)
  • Maybank World Mastercard- 4 mpd
  • Maybank Horizon Visa Signature- 3.2 mpd (min $300 a month)

Anywhere that accepts Samsung Pay/Apple Pay/Android Pay

  • OCBC Titanium Rewards– 4 mpd till 31 Dec 2018, max $12K spending per card membership year
  • UOB Preferred Platinum Visa Card– 4 mpd, limit $1K per calendar month from 3 July 2017, except where SMART$ are issued

Anywhere with Paywave

  • UOB Preferred Platinum Visa Card– 4 mpd, limit $1K per calendar month, except where SMART$ are issued

Offline shopping for electronics

Offline shopping for bags, shoes and clothes

Overseas currency transactions

  • UOB Visa Signature Card– 4 mpd, min $1K max $2K foreign currency spending per statement cycle
  • Standard Chartered Visa Infinite– 3 mpd, min $2K spend per statement cycle
  • UOB PRVI Miles– 2.4 mpd
  • DBS Treasures AMEX- 2.4 mpd
  • OCBC Voyage Card- 2.3 mpd
  • DBS Altitude AMEX + Visa- 2 mpd
  • Citibank Premiermiles– 2 mpd
  • Citi Prestige- 2 mpd
  • HSBC Visa Infinite- 2 mpd

Groceries

  • UOB Preferred Platinum Visa- 4 mpd (pay with Paywave, only for places that do not earn SMART$, eg NTUC)
  • OCBC Titanium Rewards– 4 mpd (pay with mobile payments eg Apple Pay, Samsung Pay, Android Pay until 31 Dec 2018, capped at 12k per year)

Other online transactions

  • DBS Woman’s World Card- 4 mpd, limit $2K per month
  • Citibank Rewards Visa– 4 mpd, max $12K spending per year
  • OCBC Titanium Rewards– 4 mpd, max $12K spending per card membership year
  • UOB Preferred Platinum Visa Card– 4 mpd, limit $1K per calendar month from 3 July 2017
  • HSBC Revolution-2 mpd

Note that the cards listed above have exclusion categories. You should refer to this spreadsheet to see if a particular merchant earns 10X points

General Spending

  • UOB PRVI Miles– 1.4 mpd
  • Standard Chartered Visa Infinite- 1.4 mpd (min $2K spend per statement cycle)
  • Citibank Premiermiles AMEX- 1.3 mpd
  • Citi Prestige– 1.3 mpd
  • Citibank Premiermiles Visa– 1.2 mpd
  • DBS Altitude- 1.2 mpd
  • OCBC Voyage- 1.2 mpd (elite versions earn 1.6 mpd)

Note that you should always be on the lookout for opportunities to turn general spending into category spend, eg at merchants who accept Apple/Samsung/Android pay.