Credit Cards

How to check credit card points breakdowns

Which banks make it easy for you to track your points, and which don't?

If there’s one thing I wish we had in Singapore, it’s more disaggregated credit card points information. As it is, most banks only provide a card-level points figure, and some only show the consolidated balance across all cards!

This is as much information you can get about your UNI$ without calling up customer service- a consolidated figure across all your UOB cards

This becomes a major problem when you want to reconcile bonus points. How do you know which transactions did and did not earn a bonus? Without a transaction-level points breakdown, you’re going to have to trust that the bank’s systems are properly capturing and crediting bonus transactions, or call them up and spend a lot of time manually going through transactions with the CSO.

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Citi PayAll

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Citi PayAll

I dream for the day when we’ll have something like this…

…but until then, here’s the banks which make it slightly easier to track points without getting on the phone.

American Express

  1. Login to your AMEX account
  2. Click on “Use Points”

3. Click on “My Points”

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Citi PayAll

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Citi PayAll

4. Use the drop down menu on the left to see points breakdowns for different AMEX cards. Only past 90 days is available.

Citibank

  1. Login to your Citibank account
  2. Click on “Review rewards balance now”

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3. Click on “Rewards Redemption” next to the card account you wish to view

4. Hover the mouse over your name and points balance on the top right hand corner. Click on “My Points Summary”

5. You can view your points breakdown all the way back till the date you opened your account

Reminder: For 10X points on the Citi Rewards Visa/Citi Rewards Mastercard, both the base 1X and the bonus 9X will post together with the transaction

Note: While Citibank offers a more detailed points breakdown than other banks, it’s still far from ideal. That’s because they consolidate all transactions that post on the same day- meaning that unless you obsessively use your card for one thing and one thing only, it may be difficult to distinguish which transaction specifically earned 10X

DBS

  1. Login to your DBS account
  2. Click on the Virtual Assistant icon at the bottom right hand corner

3. Type “rewards enquiry” and click “view rewards”

4. Click “Points By Card”

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5. Select the card in question

6. Select “Yes”

7. You will now see the points awarded per transaction. Click on “see more” to populate additional entries

Reminder: For 10X points on the DBS WWMC, 1X (or 3X, for foreign currency transactions) is posted with the transaction, and the remaining 9X (or 7X, for foreign currency) is posted the following month. For 3 mpd on the DBS Altitude AMEX/Visa, 1.2 mpd is posted with the transaction, and the remaining 1.8 mpd is posted by the 16th day of the following calendar month

Note: For the bonus points component, you’re going to want to look for a consolidated entry labelled “Ecom” (e-commerce). Unfortunately, it’s not disaggreagated, but it still helps in the sense that you can match it to the bonus you expect to see. If it matches, great! If not, you’ll have to figure out what went wrong by guess and check or calling up the CSO.

OCBC

  1. Login to your OCBC account
  2. Hover your mouse over “Rewards”, then click “Rewards”

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3. Click on “Transaction history”

4. Click on the reference number of the transaction you want to investigate

5. Scroll down and see the points awarded on this transaction

Reminder: For 10X points earned on the OCBC Titanium Rewards card, 1X is posted immediately with the transaction, and 9X posted by the end of the next calendar month

Standard Chartered

  1. Login to your Standard Chartered account
  2. Click on “View Points History”

3. Rewards points can be viewed for the past two months

Reminder: The SCB Visa Infinite earns 1 mpd on local and overseas spending. A bonus 0.4/2 mpd for local/overseas spending is awarded if the cardholder spends at least $2K in a statement cycle. This bonus will be credited within 5 days after the end of the statement cycle

Conclusion

You’ll notice I’ve not mentioned Maybank, HSBC, UOB, or Bank of China. That’s because these banks don’t provide any points breakdown online- you’ll have to call them up if you want to check your bonus points.

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I realise it’s probably not a high-priority focus area for banks, but I do hope that we get greater transparency in points breakdowns in the near future. If nothing else, it’ll save the banks a lot of CSO man hours.


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AnnonLove
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AnnonLove

I love you and your guides.

Mainly your guides

Xin
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Xin

Call UOB last mth with regards to missing points. CSO went through every single transaction with me, tally the points and true enough there was insufficient points.

SCO put up a remark for me, till date am still waiting for someone to get in touch with me.
Not sure why UOB doesn’t do what other banks did. I really pity their SCO.

Noob
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Noob

ocbc premier banking leh… and very interested in WHAT DID YOU BUY @ qoo100 with amex card

kc
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kc

Thank you for the step by step with screenshots. Amex is easy for me to see. Didn’t know DBS could see until your post.

Ed
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Ed

Wow! Bless YOU!

PNG
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PNG

Hmm, think I can’t check for AMEX KrisFlyer Ascend? Hope we can trust their miles award systems …

DSG
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DSG

Yup, Krisflyer Ascend shows you a page saying option not available for the card.

elton
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elton

I can’t see my WWMC 9X postings on the digitbot even though they are credited. I suspect it may be due to me getting a replacement card previously