HomeWhat card do I use for...

What card do I use for...

💳 The MileLion’s Credit Card Guide
(Last update: 21 December 2025)

Contents Page

Local General Spending
Foreign Currency Spending
Air Tickets
Amaze
Atome
CardUp
Charitable Donations
Dining
Education
EV charging
Food Delivery
Grab/gojek/Ryde/TADA
Government Services
Groceries
Hotels
Hospitals
Insurance
Kris+
Online Transactions
Paywave/Mobile
Petrol
Pharmacies
Public Transportation
Shopping
Telcos
Utilities

S. Month= Statement Month | C. Month = Calendar Month | M. Year= Membership Year

How can I find the MCC?

The most crucial piece of information you need to decide what card to use is the Merchant Category Code, or MCC.

Here’s three ways of looking up an MCC before making a purchase:

Method	Ease of Use	Reliability
❓HeyMax	●●●	●
📱 Instarem app	●●	●●
🤖 DBS digibot	●	●●●
Note: “Ease of use” and “reliability” are all relative. HeyMax already provides a solid baseline for reliability, and the DBS digibot is still simple enough to use, despite requiring more steps than the other two methods.

Local General Spending

Card	Earn Rate	Remarks
Amaze + Citi Rewards Apply	4 mpd	1% admin fee (min. S$0.50) applies. Max S$1K per s. month, excludes travel and mobile wallet
StanChart Beyond Card Apply	Up to 2 mpd	Regular: 1.5 mpd PB & PP: 2 mpd
HSBC Premier Mastercard Apply	1.68 mpd
Citi ULTIMA Card Apply	1.6 mpd
DBS Insignia Card Apply	1.6 mpd
UOB Reserve Card Apply	1.6 mpd
OCBC VOYAGE Card (Premier, PPC, BOS) Apply	1.6 mpd
DBS Vantage Card Apply	1.5 mpd
BOC Elite Miles Card Apply	1.4 mpd
UOB Visa Infinite Metal Card Apply	1.4 mpd
UOB PRVI Miles (AMEX \| Mastercard \| Visa)	1.4 mpd
StanChart Visa Infinite Apply	1.4 mpd	Min S$2K total spend per s. month, otherwise 1 mpd
DBS Altitude Card (AMEX \| Visa)	1.3 mpd
Citi Prestige Card Apply	1.3 mpd	Up to 0.06/0.12 mpd extra from relationship bonus
OCBC 90°N Card (MC \| Visa)	1.3 mpd
OCBC VOYAGE Card Apply	1.3 mpd
OCBC Premier Visa Infinite Apply	1.28 mpd
AMEX HighFlyer Card Apply	1.2 mpd
HSBC TravelOne Card Apply	1.2 mpd
Maybank Visa Infinite Apply	1.2 mpd
StanChart Journey Card Apply	1.2 mpd
KrisFlyer UOB Credit Card Apply	1.2 mpd
Citi PremierMiles Card Apply	1.2 mpd
AMEX KrisFlyer Ascend Apply	1.2 mpd
AMEX KrisFlyer Credit Card Apply	1.1 mpd
HSBC Visa Infinite Apply	1 mpd	Step-up earn rates have been sunset
Chocolate Visa Card Apply	1 mpd	Max S$1K per c. month, 0.4 mpd after

Foreign Currency General Spending

👉 Main Article: Best Cards for Overseas Spending

Card	Earn Rate	Remarks
DCS Imperium Card Apply	4 mpd	Min. S$4K FCY spend per c. month
Amaze + Citi Rewards Apply	4 mpd	Max S$1K per s. month, excludes travel and mobile wallet
Maybank XL Card Apply	4 mpd	Min. S$500, max S$1K per c. month
UOB Visa Signature Apply	4 mpd	Min S$1K, max S$1.2K FCY spend per s. month
StanChart Beyond Card Apply	Up to 4 mpd	Regular: 3 mpd PB: 3.5 mpd PP: 4 mpd
Maybank Visa Infinite Apply	3.2 mpd	Min S$4K spend per c. month, otherwise 2 mpd
Maybank World Mastercard Apply	3.2 mpd	Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd
StanChart Visa Infinite Apply	3 mpd	Min S$2K overall spend per s. month, otherwise 1 mpd
StanChart Rewards+ Card Apply	2.9 mpd	Max S$2.2K foreign currency spending per m. year
BOC Elite Miles Card Apply	2.8 mpd
Maybank Horizon Visa Signature Apply	2.8 mpd	Min S$800 spend per c. month, otherwise 1.2 mpd
HSBC Premier Mastercard Apply	2.76 mpd
HSBC TravelOne Card Apply	2.4 mpd
UOB PRVI Miles (AMEX \| Mastercard \| Visa)	2.4 mpd	3 mpd if in IDR, MYR, THB, VND. 5 mpd on shopping and dining until 31 Dec 25
UOB Reserve Card Apply	2.4 mpd
UOB Visa Infinite Metal Card Apply	2.4 mpd
DBS Treasures AMEX	2.4 mpd
OCBC VOYAGE (Premier, PPC, BOS) Apply	2.3 mpd
OCBC Premier Visa Infinite Apply	2.24 mpd
Citi PremierMiles Card Apply	2.2 mpd
DBS Altitude (AMEX \| Visa)	2.2 mpd
DBS Vantage Card Apply	2.2 mpd
OCBC VOYAGE Card Apply	2.2 mpd	Targeted promo offering 5 mpd until 4 Jan 26
OCBC 90°N Card (MC \| Visa)	2.1 mpd	Targeted promo offering 4.5 mpd until 4 Jan 26
Citi Prestige Card Apply	2 mpd	Up to 0.06/0.12 mpd extra from relationship bonus
Citi ULTIMA Card Apply	2 mpd
DBS Insignia Card Apply	2 mpd
HSBC Visa Infinite Apply	2 mpd	Step-up earn rates have been sunset
StanChart Journey Card Apply	2 mpd
Chocolate Visa Card Apply	1 mpd	No FCY fees. Max S$1K per c. month, 0.4 mpd after

Air Tickets

👉 Main Article: Best Cards for Air Tickets

Card	Earn Rate	Remarks
DBS Woman’s World Card Apply	4 mpd	Max S$1K per c. month
HSBC Revolution Card Apply	4 mpd	Max S$1.5K per c. month. Ends 28 Feb 26
Maybank XL Card Apply	4 mpd	Min. S$500, max S$1K per c. month
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Max S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Travel must be chosen as bonus category
UOB PRVI Miles (AMEX \| Mastercard \| Visa)	3 mpd	For selected airline bookings on Expedia
KrisFlyer UOB Credit Card Apply	3 mpd	SIA & Scoot only
Maybank Horizon Visa Signature Apply	2.8 mpd	Min S$800 spend per c. month. Capped at S$10K per c. month.
AMEX HighFlyer Card Apply	2 mpd	SIA & Scoot only
AMEX KrisFlyer Ascend Apply	2 mpd	SIA & Scoot only
AMEX KrisFlyer Credit Card Apply	2 mpd	SIA & Scoot only
AMEX Platinum Charge Apply	1.95 mpd	SIA & Scoot only

Amaze

	👉 Main Article: Best Cards for Amaze
Note: From 10 March 2025, all SGD-denominated transactions made with Amaze incur a 1% domestic fee (min. S$0.50).

Card	Earn Rate	Remarks
Citi Rewards Card Apply	4 mpd¹	Max S$1K per s. month
Maybank XL Card Apply	4 mpd²	Min. S$500, max S$1K per c. month
OCBC Rewards Card Apply	4 mpd³	Max S$1.1K per c. month
1. All transactions except travel (Airlines, hotels, rental cars, tour agencies, cruises etc.) (T&Cs) 2. Dining, shopping, entertainment, travel (T&Cs) 3. Clothes, bags, shoes and shopping (T&Cs)

Atome

👉 Main Article: Best Cards for Atome

Card	Earn Rate	Remarks
Citi Rewards Card Apply	4 mpd	Max S$1K per s. month
DBS Woman’s World Card Apply	4 mpd	Max S$1K per c. month
HSBC Revolution Card Apply	4 mpd	Max S$1.5K per c. month. Ends 28 Feb 26
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min. S$1K spend on SIA Group in a m. year. No cap.

CardUp

What’s the best card to use for CardUp?

Charitable Donations

👉 Main Article: Best Cards for Charity

Card	Earn Rate	Remarks
Chocolate Visa Card Apply	1 mpd	Card will not work for overseas charities. Max S$1K per c. month, 0.4 mpd after
AMEX Centurion	0.98 mpd
AMEX Platinum Charge Apply	0.78 mpd

Dining

👉 Main Article: Best Cards for Dining

Card	Earn Rate	Remarks
StanChart Smart Card Apply	9.28 mpd	Min S$1.5K spend per s. month. 7.42 mpd with min. S$800 spend, 3.71 mpd otherwise. Selected fast food only
HSBC Revolution Card Apply	4 mpd	Max S$1.5K per c. month. Ends 28 Feb 26
Maybank XL Card Apply	4 mpd	Min. S$500, max S$1K per c. month
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Dining must be chosen as bonus category
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min S$1K spend on SIA Group transactions in a m. year

Education

👉 Main Article: Best Cards for Education

Card	Earn Rate	Remarks
UOB Reserve Card	1.6 mpd
UOB Visa Infinite Metal Card Apply	1.4 mpd
UOB Privilege Banking Card Apply	1.2 mpd
Maybank Visa Infinite Apply	1.2 mpd
Chocolate Visa Card Apply	1 mpd	Max S$1K per c. month, 0.4 mpd after
Maybank Manchester United Card Apply	0.4 mpd
Maybank World Mastercard Apply	0.4 mpd
Maybank XL Card Apply	0.4 mpd
Maybank Horizon Visa Signature Apply	0.16 mpd	Capped at 480 miles per month, shared with all other Selected Categories

EV Charging

	👉 Main Article: Best Cards for EV Charging
Note: This assumes your EV charging codes as MCC 5552. In practice, there could be other MCCs; refer to the post above for the range of possibilities.

Card	Earn Rate	Remarks
DBS yuu Visa Apply	10 mpd	For Charge+. Min. S$800 max S$822 per c. month. Visa card only.
StanChart Smart Card Apply	Up to 9.28 mpd	Min. S$1.5K per s. month, no cap
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month

Food Delivery

👉 Main Article: Best Cards for Food Delivery

Card	Earn Rate	Remarks
DBS yuu Card AMEX \| Visa	10 mpd	For Foodpanda. Min. S$800, max S$822 per c. month.
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Dining must be chosen as bonus category
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month
Maybank XL Card Apply	4 mpd	Min. S$500, max S$1K per c. month
UOB Preferred Platinum Visa Apply	4 mpd	Cap S$600 per c. month
StanChart Journey Card Apply	3 mpd	Limit S$1K per s. month, must be online in SGD
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min S$1K spend on SIA Group transactions in a m. year

Grab, gojek, TADA, other ride hailing

Card	Earn Rate	Remarks
DBS yuu Card AMEX \| Visa	10 mpd	For Gojek. Min. S$800 max S$822 per c. month
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Transport must be chosen as bonus category
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month
HSBC Revolution Card Apply	4 mpd	Max S$1.5K per c. month. Ends 28 Feb 26
StanChart Journey Card Apply	3 mpd	Cap S$1K per s. month, must be online in SGD
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min. S$1K spend on SIA Group transactions in a m. year

Government services

👉 Main Article: Best Cards for Government Services

Card	Earn Rate	Remarks
AMEX Solitaire PPS Credit Card Apply	1.3 mpd
AMEX PPS Credit Card Apply	1.3 mpd
AMEX HighFlyer Card Apply	1.2 mpd
AMEX KrisFlyer Ascend Apply	1.2 mpd
AMEX KrisFlyer Credit Card Apply	1.1 mpd
Chocolate Visa Card Apply	1 mpd	Capped at 100 Max Miles per calendar month
AMEX Centurion Apply	0.98 mpd
AMEX Platinum Charge Apply	0.78 mpd
AMEX Platinum Reserve Apply	0.69 mpd
AMEX Platinum Credit Card Apply	0.69 mpd

Groceries/Supermarket

👉 Main Article: Best Cards for Groceries

Card	Earn Rate	Remarks
DBS yuu Card AMEX \| Visa	10 mpd	For Cold Storage and Giant. Min. S$800 , max S$822 per c. month
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Family must be chosen as your bonus category
StanChart Journey Card Apply	3 mpd	Cap S$1K per s. month, must be online in SGD

Hospitals

👉 Main Article: Best Cards for Hospitals & Medical

Card	Earn Rate	Remarks
Citi ULTIMA Card Apply	1.6 mpd
AMEX Solitaire PPS Credit Card Apply	1.3 mpd	Excludes public hospitals
AMEX PPS Credit Card Apply	1.3 mpd	Excludes public hospitals
OCBC VOYAGE Card Apply	1.3 mpd	Excludes public hospitals
OCBC Premier Visa Infinite Apply	1.28 mpd	Excludes public hospitals
Maybank Visa Infinite Apply	1.2 mpd
AMEX HighFlyer Card Apply	1.2 mpd	Excludes public hospitals
AMEX KrisFlyer Ascend Apply	1.2 mpd	Excludes public hospitals
AMEX KrisFlyer Credit Card Apply	1.1 mpd	Excludes public hospitals
Chocolate Visa Card Apply	1 mpd	Max S$1K per c. month, 0.4 mpd after. Max 100 miles per month for bill payments
AMEX Centurion	0.98 mpd	Excludes public hospitals
AMEX Platinum Charge Apply	0.78 mpd	Excludes public hospitals
AMEX Platinum Reserve Apply	0.69 mpd	Excludes public hospitals
AMEX Platinum Credit Card Apply	0.69 mpd	Excludes public hospitals
Maybank World Mastercard Apply	0.4 mpd
Maybank XL Card Apply	0.4 mpd

Hotels

👉 Main Article: Best Cards for Hotels

Card	Earn Rate	Remarks
Citi PremierMiles Card Apply	10 mpd on Kaligo, 7.2 mpd on Agoda	Refer to T&Cs for exclusions
UOB PRVI Miles (AMEX \| Mastercard \| Visa)	8 mpd on Agoda and Expedia
HSBC Revolution Card Apply	4 mpd	Max S$1.5K per c. month. Ends 28 Feb 26
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Travel must be chosen as bonus category
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month. Must be online.
Maybank XL Card Apply	4 mpd	Min. S$500, max S$1K per c. month
KrisFlyer UOB Credit Card Apply	2.4 mpd	Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com (with min S$1K spend on SIA Group in a m. year)

Insurance Premiums

👉 Main Article: Best Cards for Insurance Premiums

Card	Earn Rate	Remarks
Maybank Visa Infinite Apply	1.2 mpd	Capped at S$3K per c. month
AMEX KrisFlyer Ascend Apply	1.2 mpd	Chubb only
AMEX KrisFlyer Credit Card Apply	1.1 mpd	Chubb only
Chocolate Visa Card Apply	1 mpd	Max S$1K per c. month, 0.4 mpd after. Max 100 miles per month for bill payments
Maybank Horizon Visa Signature Apply	0.16 mpd	Capped at 480 miles per month, shared with all other Selected Categories

Kris+

👉 Main Article: Best Cards for Kris+

Card	Earn Rate	Remarks
DBS Woman’s World Card Apply	4 mpd	Max. S$1K per c. month
Citi Rewards + Amaze Apply	4 mpd	1% admin fee (min. S$0.50) applies for SGD spend. Max. S$1K per s. month. No bonuses for naked Citi Rewards Card
KrisFlyer UOB Credit Card Apply	3 mpd	No cap

Online Transactions

Card	Earn Rate	Remarks
OCBC Rewards Card Apply	6 mpd	For Shopee, Lazada, TikTok Shop, Taobao, cap S$1K per c. month. Other online shopping earns 4 mpd, cap S$1.1K per c. month
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month, excludes travel
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month
HSBC Revolution Card Apply	4 mpd	For online shopping and travel, cap S$1.5K per c. month. Ends 28 Feb 26
UOB Preferred Platinum Visa Apply	4 mpd	For online shopping and entertainment, cap S$600 per c. month
KrisFlyer UOB Credit Card Apply	2.4 mpd	For online shopping and travel, with min S$1K spend on SIA Group in a m. year

PayWave or Mobile Payments

Card	Earn Rate	Remarks
UOB Preferred Platinum Visa Apply	4 mpd	Limit S$600 per c. month. Must use mobile payments; no points for paying with physical card
UOB Visa Signature Apply	4 mpd	Min S$1K, max S$1.2K per s. month

Petrol

👉 Main Article: Best Cards for Petrol

Card	Earn Rate	Remarks
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Transport must be chosen as your bonus category
UOB Visa Signature Apply	4 mpd	Min. S$1K, max S$1.2K combined spending on petrol and local contactless spend per s. month
Maybank World Mastercard Apply	4 mpd	No cap. Offline only

Pharmacies

👉 Main Article: Best Cards for Pharmacies

Card	Earn Rate	Remarks
DBS yuu Card AMEX \| Visa	10 mpd	For Guardian. Min. S$800 max S$822 per c. month
OCBC Rewards Card Apply	4 mpd	6 mpd for Watsons. Capped at S$1.1K per c. month
HSBC Revolution Card Apply	4 mpd	Cap S$1.5K per c. month. Ends 28 Feb 26
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Beauty & Wellness must be chosen as your bonus category
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min S$1K spend on SIA Group transactions in a m. year. Must be online

Public Transportation (SimplyGo)

👉 Main Article: Best Cards for Public Transport

Card	Earn Rate	Remarks
DBS yuu Card AMEX \| Visa	10 mpd	Min. S$800, max S$822 per c. month
StanChart Smart Card Apply	9.28 mpd	Min S$1.5K spend per s. month. 7.42 mpd with min. S$800 spend, 3.71 mpd otherwise
UOB Preferred Platinum Visa Apply	4 mpd	Cap S$600 per c. month
UOB Visa Signature Apply	4 mpd	Min S$1K, max S$1.2K per s. month
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Transport must be chosen as your bonus category
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min S$1K spend on SIA Group transactions in a m. year

Shopping

👉 Main Article: Best Cards for Shopping

Card	Earn Rate No. of MCCs	Remarks
HSBC Revolution Apply	4 mpd 38 MCCs	Max S$1.5K per c. month*
UOB Preferred Platinum Visa Apply	4 mpd (Online) 36 MCCs	Max S$600 per c. month
Maybank XL Rewards Card Apply	4 mpd 13 MCCs	Min. S$500, max S$1K per c. month
OCBC Rewards Apply	4 mpd^ 13 MCCs	Max S$1.1K per c. month
Citi Rewards Apply	4 mpd (Offline) 11 MCCs	Max S$1K per s. month
UOB Lady’s Card Apply	4 mpd 10 MCCs	Max S$1K per c. month, with Fashion as bonus category
UOB Lady’s Solitaire Apply	4 mpd 10 MCCs	Max S$750 per c. with Fashion as bonus category
KrisFlyer UOB Credit Card Apply	2.4 mpd (Online) 29 MCCs	No cap. Min. S$1K spend on SIA Group in a m. year
*Cap reverts to S$1K per c. month from 1 March 2026 ^6 mpd for Watsons, Shopee, Lazada, TikTok Shop and Taobao till 31 December 2025

Telco Bills (Singtel, Starhub, M1 etc)

Card	Earn Rate	Remarks
DBS yuu Card AMEX \| Visa	10 mpd	For Singtel (must pay at kiosk). Min. S$800, max S$822 per c. month
DBS Woman’s World Card Apply	4 mpd	Capped at S$1K per c. month, for bills paid via app. No points if set up as recurring credit card payment
Citi Rewards Card Apply	4 mpd	Capped at S$1K per s. month, must be paid online or via app. No points if set up as recurring credit card payment