How to check credit card points breakdowns

Regularly checking your points balance is good miles game hygiene. Which banks make it easy to track points, and which don't?

Tracking credit card points in Singapore used to be a headache, but thankfully, the situation has improved significantly over the past few years. More and more banks now allow cardholders to track their earnings down to a transaction-level basis.

This is particularly important when you’re using a specialised spending card like the Citi Rewards or UOB Preferred Platinum Visa. How do you know a given transaction really earned the points it should? Without a breakdown, you’re going to have to trust that the bank’s systems are properly capturing and crediting bonus points, or call them up and waste time manually going through transactions over the phone.

In this post, I’ll explain how to check points breakdowns with different card issuers in Singapore.

💳 Tracking Credit Card Points
Bank of China, HSBC, and Maybank only provide total points balances with no breakdown
❓ Credit Card FAQs

American Express

Membership Rewards Points

(1) Login to your AMEX account

(2) Select the card you wish to view in the top right hand corner

(3) Click on “Use Points”

(4) Click on “My Points”

(5) Use the drop down menu on the left to see different time periods. Breakdowns can be viewed for the past 12 months.

KrisFlyer/HighFlyer points

KrisFlyer/HighFlyer points breakdowns can only be viewed on the AMEX Mobile App.

(1) Login to your account

(2) Select the card you wish to view

(3) Tap “Membership” at the bottom of the screen

(4) Tap “View Activity”

(5) You’ll see a breakdown of points earned in the previous statement period (you can’t go back further than that, sadly).

Unfortunately, this interface only shows you the points, not the transaction amount. This makes reconciliation a lot more troublesome. 

Citibank

(1) Login to your Citibank account

(2) Click “Review Your Reward Balance”

(3) Click “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 to the date you opened your account

💳 How are points credited?
Citi Rewards Card: Base 1X points and bonus 9X points post together with the transaction

Even though Citibank provides a breakdown, it’s still a bit messy because transactions are batched and consolidated by day, instead of by transaction. If you use your card several times a day, it may be tricky to work out which transactions did and did not earn a bonus.

DBS

(1) Login to your DBS account

(2) Click the Virtual Assistant icon at the bottom right hand corner

(3) Type “Rewards Enquiry” and click “View Rewards” ➤ “Points Per Transaction”

(4) You will now see the points awarded per transaction. Click on “See More” to populate additional entries

💳 How are points credited?

DBS Woman’s World Card:

  • Online transactions: 1X base points posts together with the transaction; 9X bonus points posts by the end of the following calendar month. 
  • FCY transactions: 3X base points posts together with the transaction; 7X bonus points posts by the end of the following calendar month. 

DBS Altitude Card: 3X base points (5X for foreign currency transactions) posts together with the transaction; 4.5X bonus points (2.5X for foreign currency transactions) posts by the 16th day of the next calendar month. If 16th is not a working day, DBS Points will be awarded on the next working day

For bonus points, look for a consolidated entry labelled “Ecom” (e-commerce). It’s not disaggregated, however, so you’ll still have some work to do. 

Do note that for whatever reason, not every DBS user will see the “Ecom” entry, even if they have eligible bonus transactions.

In that case, you’ll have to call up customer service to check your bonus points. 

OCBC

(1) Login to your OCBC account

(2) Hover your mouse over “Rewards”, then click “Rewards”

(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

💳 How are points credited?
OCBC Titanium Rewards Card: 1X posted with the transaction, bonus 9X is posted by the end of the next calendar month.

Unfortunately, OCBC uses reference numbers rather than merchant names for tracking, so it’s far from intuitive. You’ll need to cross refer to your card statement to figure out which transaction is which. 

Standard Chartered

(1) Login to your Standard Chartered account

(2) Click on your name on the top right, then “Transaction History”

(3) Choose which card you want to see a breakdown for. Points breakdowns can be viewed for up to three months.

💳 How are points credited?

SCB Rewards+: Base 1X points and bonus 4X points post together with transaction

SCB Smart Card: Base 1.6X points and bonus 17.6X points post together with transaction

UOB

(1) Login to the UOB TMRW app and tap Rewards+My Rewards UNI$

(2) You’ll see a breakdown under the UNI$ history section (tap “view all” to see more), for the past three months. 

If you spend using the UOB Preferred Platinum Visa, you’ll see a transaction-level bonus entry.

If you use the UOB Lady’s Card, UOB Lady’s Solitaire or UOB Visa Signature, you’ll see a consolidated monthly bonus entry at the start of each month.

💳 How are points credited?

UOB Pref. Plat. Visa: Base 1X points and bonus 9X points post together with transaction

UOB Lady’s Card/Lady’s Solitaire: Base 1X points posts with transaction, bonus 5X + 9X points posts by the end of the following calendar month

UOB Visa Signature: Base 1X points posts with transaction, bonus 9X points posts by the end of the following calendar month

Conclusion

Bank of China, HSBC and Maybank only provide consolidated points balances, so you’ll still need to call up customer service if you suspect your points tally isn’t correct. 

It’s up for debate how closely you should track your points. Some believe it’s enough to give it a cursory glance each month, others track it obsessively with hyper-detailed spreadsheets. Regardless of which camp you fall into, I think we can all agree that more granular information is better than aggregated lump sums!

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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AnnonLove

I love you and your guides.

Mainly your guides

johnLove

probably at least 4 banks also love you for saving them a significant number of CSO hours.. the Citi CSO I spoke to for far too long on this topic couldn’t answer my question of how to do this. Thanks Aaron.

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

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

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

Wow! Bless YOU!

PNG

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

DSG

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

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

Bruno

For me that digibot 9x posting also disappeared since I got a replacement card!

kkong

krisflyer amex doesnt work this way .. think because the point to direct to the krisflyer.

OCBC titanium only manage find the 1x, not sure how to find the 9x, click thru every transaction and cant see sia

UK_Ship

O/T – had an email from PPS club giving up to 15% bonus on bank point transfers:

Earn 12% bonus miles when you convert between 10,000 and 49,999 KrisFlyer miles in a single qualifying transaction. 

OR 

Earn 15% bonus miles when you convert 50,000 KrisFlyer miles or more in a single qualifying transaction.

CT01

For UOB Visa Signature, how do you see the bonus points? Does it appear on the app? I don’t seem to see any at all, which is strange.

Are you able to see on the online banking website, or only the app?

Thanks for your advice

CT01

Follow on question: I can’t view the bonus points on the DBS website.

I called the customer service hotline, but they are unable to confirm how many bonus point. Any way to check on whether a transaction was credited? I need to check the use of the Amaze card paired with this.

Thanks so much!

Jonas

Is it possible that DBS has recently changed the approach to check the individual points credited? Following the explained path above, I am not anymore able to see a breakdown (since about 2 months).

AnonymousPanda

Small typo in between the UNI$ screenshots – UOB Lady’s Solitaire, not Solitiare

Benedict

Thanks for this wonderful guide!! But just wondering how come I don’t see points for simplygo transactions on DBS (i’m using DBS altitude and each transaction is more than $1.54)

Mike

Any advice on chasing banks that don’t credit points due? I completed a hotel stay booked and prepaid via Citi’s Agoda portal back in July. The 90 day window for crediting the bonus has come and gone, and all Citi has done is ‘escalate it to the relevant’ team’ upon each followup.

D J

The Citi ThankYou portal is no longer available for Citi Rewards, and we’re directed to use the Citi app instead. However the Citi app does not show points awarded per transaction. Any idea what’s the latest method we can use to track our points on the transaction-level?

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