After the nerf: My new Instarem Amaze Card strategy

DBS cards no longer offer rewards on Amaze transactions. How does this change your optimal Amaze strategy?

On 1 June, DBS became the first Singapore bank to nerf Amaze transactions completely.

It won’t be the last. 

In a way, this shouldn’t come as any big surprise. We all knew from Day 1 that Amaze was living on borrowed time, through the sheer good graces of the banks. After all, why should they indirectly subsidise Amaze via rewards, while Amaze eats their lunch on FCY fees? 

That doesn’t make the actual nerfing any less painful, mind you, because the DBS Woman’s World Card was my (and many people’s) first choice pairing with Amaze. It was a no-nonsense way of scooping up an extra 4 mpd on S$2,000 of spend per month, since all Amaze transactions coded as online. 

All the same, there’s no point crying over spilled milk. Opportunities come and go, and it’s now time to move on- starting with reformulating your Amaze strategy.

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💳 tl;dr: Amaze Card
  • Link up to five Mastercard credit/debit cards
  • Overseas transactions are converted into SGD (no FCY fees, but subject to FX spread) and charged to the underlying credit/debit card
  • Transaction MCC remains the same, offline transactions charged to Amaze become online transactions for the underlying credit/debit card
  • Earn 1 InstaPoint per S$1 spent on FCY transactions of at least S$10 (except exclusion categories), capped at 500 InstaPoints per transaction
  • Redeem InstaPoints for cashback in blocks of 2,000 InstaPoints= S$20

What card should I use with Amaze?

Here’s the main constraint: Amaze only supports Mastercard credit or debit cards.

This straight away rules out some great 4 mpd options like the HSBC Revolution and UOB Preferred Platinum Visa. It also eliminates AMEX cards, though I probably wouldn’t have used any of those in the first place.

So the question is: which Mastercards pair well with Amaze?

#1: Citi Rewards Card

Citi Rewards Card
Earn Rate 4 mpd
Eligible Transactions All online transactions except travel and mobile wallet
Capped at S$1,000 per statement month

Without a doubt, the Citi Rewards Card should become your new default Amaze pairing. Since all Amaze transactions code as online, you’ll earn 4 mpd on the first S$1,000 per statement month, except on travel-related transactions.

In other words, avoid using your Amaze + Citi Rewards Card to:

  • Buy flight tickets
  • Pay for a hotel stay
  • Pay a tour agency or activities provider 
  • Buy train tickets
  • Book a rental car
  • Book a cruise

Despite these restrictions and the lower 4 mpd cap, some people might actually prefer pairing the Citi Rewards Card to Amaze over the DBS Woman’s World Card. That’s because Citibank offers the widest variety of transfer partners in Singapore, including several that DBS doesn’t have, such as:

  • British Airways Executive Club
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Flying Blue
  • Qatar Privilege Club
  • THAI Royal Orchid Plus
  • Turkish Miles & Smiles
  • IHG Rewards Club

#2: UOB Lady’s Card/ UOB Lady’s Solitaire Card

UOB Lady’s Cards
Earn Rate 4 mpd
Eligible Transactions Pick 1 (Lady’s) or 2 (Lady’s Solitaire) bonus categories from beauty & wellness, dining, entertainment, family, fashion, transport, travel
Capped at S$1,000 per calendar month (Lady’s)
S$3,000 per calendar month (Lady’s Solitaire)
[cap is shared across all bonus categories]

Assuming the Citi Reward Card’s 4 mpd cap has been exhausted, or you have a travel-related transaction to make, the UOB Lady’s Card or Lady’s Solitaire Card would be the next best option.

Cardholders can select one (Lady’s Card) or two (Lady’s Solitaire Card) bonus categories to earn 4 mpd, capped at S$1,000 (Lady’s Card) or S$3,000 (Lady’s Solitaire Card) per calendar month. Selections can be changed every quarter. 

Category MCCs Description
(1) Beauty & Wellness 5912, 5977, 7230, 7231, 7298, 7297 Discount, Mass and Drug Stores, Cosmetics Stores, Barber and Beauty Shops, Health and Beauty Spa, Massage Parlours
(2) Dining 5811, 5812, 5814, 5499 Caterers, Eating places and Restaurants, Fast food restaurants and food deliveries
(3) Entertainment 5813, 7832, 7922 Bars, Taverns, Lounges and Nightclubs, Motion Picture Theatres, Theatrical Producers and Ticket Agencies
(4) Family 5411, 5641 Grocery stores, Children and Infants wear store
(5) Fashion 5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948 Department Stores, Men’s and Boy’s Clothing and Accessories Store, Women’s Ready-to-wear Stores, Women’s Access and Specialty, Family Clothing Stores, Sports and Riding Apparel Stores, Shoes Stores, Men’s and Women’s Clothing Stores, Miscellaneous Apparel and Accessories Shops, Luggage and Leather Stores
(6) Transport 4111, 4121, 4789, 5541, 5542 Local Commuter Transport, Taxi, Cabs, Limousines and Travel Service, Service Stations and Automatic Gas Dispensers
(7) Travel Credit card retail transactions made at major airlines and/or hotels with their main business activity classified as flights and/or hotels only

Assuming you have two bonus categories to choose, I’d pick:

  • Dining
  • Travel

These are likely to be your largest overseas expense items, and even if you’re a shopaholic, you should use the OCBC Titanium Rewards to cover that instead. 

Do note that UOB does not specifically define “travel” bookings, other than mention major airlines or hotels. On its landing page, it specifically lists the following merchants:

  • Agoda
  • AirAsia
  • Airbnb
  • ANA
  • Cathay Pacific
  • Chan Brothers Travel
  • Emirates
  • EU Holidays
  • EVA Air
  • Expedia
  • Jetstar Airways
  • Korean Air
  • Royal Caribbean International
  • Scoot
  • Singapore Airlines
  • THAI Airways
  • UOB Travel Planners

This leads me to believe the relevant MCCs are:

  • MCCs 3000-3299 (Airlines)
  • MCCs 3500-3999 (Lodging)
  • MCC 4411 (Cruise Lines)
  • MCC 4722 (Travel Agencies and Tour Operators)
  • MCC 7011 (Lodging- Hotels, Motels, Resorts not elsewhere classified)

Unlike the gender-egalitarian DBS Woman’s World Card, the UOB Lady’s Card/Lady’s Solitaire Card is strictly for females only. However, there’s nothing stopping you from getting your wife or girlfriend to apply for one, then pairing it with your Amaze Card.

#3: OCBC Titanium Rewards

OCBC Titanium Rewards
Earn Rate 4 mpd
Eligible Transactions Clothes, bags, shoes and other shopping
Capped at S$13,335 per membership year (Blue and Pink cards have their own cap)

The OCBC Titanium Rewards earns 4 mpd on the first S$13,335 per membership year spent on:

  • MCC 5311 (Department Stores)
  • MCC 5611 (Men’s and Boys’ Clothing and Accessories Stores)
  • MCC 5621 (Women’s Ready to Wear Stores)
  • MCC 5631 (Women’s Accessory and Specialty Stores)
  • MCC 5641 (Children’s and Infants’ Wear Stores)
  • MCC 5651 (Family Clothing Stores)
  • MCC 5661 (Shoe Stores)
  • MCC 5691 (Men’s and Women’s Clothing Stores)
  • MCC 5045 (Computers, Peripherals and Software)
  • MCC 5732 (Electronics Stores)
  • MCC 5699 (Misc. Apparel and Accessory Shops)
❓ What about specific merchants?

4 mpd will also be earned on selected merchants specifically mentioned in the T&Cs, such as Amazon, Courts, Ezbuy, Lazada, Qoo10 and Taobao.

However, these are based on transaction descriptions rather than MCCs, and you will not get 4 mpd via Amaze. That’s because Amaze keeps the MCC while changing the transaction description to AMAZE*[merchant-name].

Therefore, the ideal strategy would be to pair the OCBC Titanium Rewards with Amaze and use it for overseas shopping at factory outlets, malls and the like.

Remember, the Blue and Pink cards each have their own 4 mpd cap. If you’re a regular shopaholic, getting both wouldn’t be the worst idea.

#4: KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card
Earn Rate 3 mpd with min. S$500 spend on SIA Group merchants in a membership year
Eligible Transactions Dining, food delivery, online shopping, travel and transport
Capped at No cap

If you spend a minimum of S$500 on KrisShop, Singapore Airlines or Scoot transactions in a membership year, the KrisFlyer UOB Credit Card awards 3 mpd on dining, food delivery, online shopping and travel and transport spend. 

There’s no cap, but there is a catch: of the 3 mpd, 1.2 mpd will be awarded upfront. The remaining 1.8 mpd will be credited two months after the card membership year (you might get lucky, but there’s no basis for arguing if you don’t). 

If that’s not an issue for you, then this card could soak up most of your overseas spending needs: dining, food delivery, transport and travel (note that travel is limited to specific OTAs; obviously other airlines won’t earn any bonuses on a KrisFlyer cobrand card!).

#5: UOB PRVI Miles Mastercard

UOB PRVI Miles Mastercard
Earn Rate 1.4 mpd
Eligible Transactions All spend
Capped at No cap

As a last resort, you can pair the Amaze with a general spending card, and the best of the bunch is the UOB PRVI Miles Mastercard.

It’s important to remember that Amaze converts all transactions into SGD, therefore the applicable earn rate for the UOB PRVI Miles Mastercard is 1.4 mpd, not 2.4 mpd. There is no cap on how many miles you can earn. 

Of course, you’re perfectly at liberty to use a different general spending Mastercard, like the Citi Prestige (1.3 mpd), Citi PremierMiles (1.2 mpd) or OCBC 90°N Mastercard (1.2 mpd).


DBS no longer awards points on Amaze transactions, and while that’s unfortunate, it’s not yet game over. There’s still a good number of cards you can pair with Amaze to enjoy 4 mpd, up to 1% cashback and zero FCY fees (albeit with some markup). 

No doubt we’ll see more banks cracking down in the months to come, now that DBS has set the precedent. It’s just a matter of making hay, and hoping that judgement day comes later rather than sooner. 

What’s your Amaze strategy going to be now?

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Hi Aaron,

Just wanted to update yourself and the readers that since 1 Mar 2022, UOB Krisflyer has put this out on their credit card application page (under announcement, click show more):

W.e.f. 1 March 2022, please be informed that transactions with transaction description “AMAZE* TRANSIT*” will be excluded from the awarding of KrisFlyer miles on the KrisFlyer UOB Credit Card.


Actually, SimplyGo will code as AMAZE*BUS/MRT*. AMZE*TRANSIT* just nerfs the loophole of using Amaze to top up ez-link or NETS Flashpay cards via the GTM.


Payments to Airbnb are actually processed outside of Singapore, so DBS charges a 1% processing fee. If you have to cancel the booking, DBS charges yet another 1% processing fee on the refund. I would avoid these charges with Amaze.

Mike Lam

Thanks, I was just searching whether payments to Airbnb are subject to FCY fees, and your reply really helps!


Ive had 2.4 mpd with privimiles and amaze even though amaze coverts to sgd. seems like the best overseas spend option factoring in spreads and fees for other cards


This is impossible.


I used Amaze->PRVI MC and got 0 mpd. Same merchant with PRVI Visa got 2.4 mpd. Now I’m going back to my UOB VS for these borderline overseas merchants (telcos and utilities) so I get 4 mpd (they are excluded by Citi). Unsure why UOB treat MC and Visa differently for some merchants.


Can I still earn miles by pairing with Citi Premiermiles mastercard card?


I think it’s time UOB drop the “Lady’s Only” requiremennt for their cards. Imagine the storm it’ll kick up if a bank launches a “Men’s Only” card.

So much for gender equality!


I’m looking to get the Amaze card for my upcoming overseas vacation. Going to be spending ~$5k on it. Which credit card is the best to pair it with? Citibank Rewards MC has a cap of 1k, so I’m looking at something else.


The OCBC Titanium Rewards earns 4 mpd on the first S$12,000 per membership year.
Aaron wrote “the ideal strategy would be to pair the OCBC Titanium Rewards with Amaze and use it for overseas shopping at factory outlets, malls and the like.”


Just pay in foreign to get the bonus


quick question, if I paired amaze with citi rewards and use for recurring telco bills, will it be considered online payment and eligible for 4mpd?


I’m using citirewards for telco bills but not recurring, i earned 4mpd 🙂


KF UOB Master have excluded anything with AMAZE*TRANSIT*


Does supplementary card have a separate quota of $1k for 4mpd? Or its pooled together with the principal card?


I am going for Royal Caribbean Cruise. Can I pair my Amaze card with Citi Rewards to earn the 4mpd when I spend on the cruise?


no. Read the article


Hi just wondering if this works:
1) linking amaze card to Citibank card
2) using amaze card to top up grab wallet
3) using a physical grabpay card to pay for items

Will I earn both grabpoints and Citi reward points?


No. The MCC for Grab topup is excluded by Citibank. Description is irrelevant. Anyway easy enough for you to try and confirm.

Min Yi

Hi Aaron,

Can I pls ask more abt the OCBC Titanium Rewards card?
Reason being I linked my amaze card to the OCBC titanium rewards card, hence on statement it appears as “-8652 AMAZE* ADIDAS @ OSINGAPORE SGP”, but when I called the bank it’ NOT awarded the 4mpd points?

Hence my question is, how do I get the 4mpd with amaze card for OCBC Titanium Rewards card as per your article above, kindly advise pls. *lost*

thanks so much



Hi Aaron, I am based in USA and want to buy an SQ biz class ticket in USD (5000 + USD) on the USA website, but using a Singapore credit card. Hence my best bet would be to pair Amaze + UOB Lady’s Solitaire?


How do i earn the 4pmd on citi reward? After linking the Citi reward card to Instarem, do I top up first and then spend on Instarem card? or do i link the card and then just charge on Instarem card? Thanks


Link the card and charge. Don’t top up; you won’t earn any points.

Karan M

Maybe a dumb question but if you do domestic SGD transactions I.e. paywave for dining/local spends using the amaze card, do all those transactions get coded for 4mpd on the citi rewards card?


If I charge my overseas spending eg petrol, shopping and dining to Citi rewards card, would that be eligible for 4mpd or are they considered as travel-related expenses?


Is it possible to link Citi premier miles card (Mastercard version) to Amaze instead of Citi Rewards? Because Citi points don’t stack and I already have a premier miles so wondering if I can just use the same one.