[Last updated: 22 December 2020]
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Local General Spending
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1.6 mpd |
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1.6 mpd |
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1.6 mpd |
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1.6 mpd |
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1.4 mpd |
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1.4 mpd |
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1.4 mpd (min $2K overall spend per statement cycle, otherwise 1 mpd) |
| 1.3 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers) |
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1.3 mpd |
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1.28 mpd |
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1.25 mpd (1 mpd if first year or if previous year’s spending <$50K) |
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1.2 mpd |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.1 mpd | |
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1 mpd |
OCBC VOYAGE
UOB PRVI Miles 
OCBC Premier Banking Visa Infinite
DBS Altitude 
Foreign Currency Spending
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4 mpd (payment processing must be outside of Singapore, min $1K max $2K foreign currency spending per statement cycle) |
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3 mpd (min $2K overall spend per statement cycle, otherwise 1 mpd) |
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3 mpd (until 31 Jan 20, capped at S$1K) |
| 4 mpd (only if you hold a Visa Infinite/X Card) or 2.9 mpd (capped at $2,222 of foreign currency spending a year) |
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2.4 mpd (if payment processing done outside of Singapore) |
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2.4 mpd |
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2.25 mpd (2 mpd if first year or if previous year’s spending <$50K) |
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2.24 mpd |
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2.2 mpd |
| 2.1 mpd | |
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2 mpd |
| 2 mpd | |
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2 mpd |
| 2 mpd | |
| 2 mpd | |
| 2 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers) |
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2 mpd (if payment processing done outside of Singapore) |
 Maybank Horizon Visa Signature |
2 mpd (min $300 total card spending in a month) |
Air Tickets
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6 mpd (for selected airline bookings on Expedia and UOB Travel. Capped at $3K spend till 31 Dec 20 (UOB Travel), 30 Apr 21 (Expedia). Full Details here) |
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4 mpd (payment processing must be outside of Singapore, min $1K max $2K foreign currency spending per statement cycle) |
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4 mpd (Capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Travel must be chosen as your bonus category at the start of each quarter) |
| 4 mpd (limit $2K per month) |
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 HSBC Revolution |
4 mpd (limit $1,000 per month) |
| 3 mpd (limit $5K per month) |
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| 3 mpd (On SIA-related transactions- Scoot, SilkAir, Singapore Air) |
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| 2 mpd (On SIA-related transactions) |
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| 2 mpd (On SIA-related transactions) |
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| Maybank Horizon Visa Signature |
2 mpd (min $300 total card spending in a month) |
CardUp
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Any general spending card will earn miles with CardUp. CardUp keeps an up-to-date list here, a copy of which is shown below.
If this is your first payment with CardUp, use the code MILELION to get $20 off a $1,000 minimum payment. Alternatively, you can use the code SAVERENT19 to enjoy a 1.9% discounted rate on rental payments (for rental payments due by 31 Dec 20, max one payment a month, Visa/Mastercard only) |
Charitable Donations
| 👉 Full article: What are the best cards for charitable donations? |
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1.2 mpd |
| 1.2 mpd | |
| 1.1 mpd | |
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0.78 mpd for Platinum Charge, 0.69 mpd for others |
Dining
| HSBC Revolution |
4 mpd (limit $1,000 per month. Must use contactless) |
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4 mpd (capped at $6K per calendar year. No longer available for application) |
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4 mpd (capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Dining must be chosen as your bonus category at the start of each quarter) |
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4 mpd (at selected Paradise Group, Imperial Treasure, RWS and Les Amis restaurants) |
| Maybank Horizon Visa Signature |
3.2 mpd (min $300 total card spending in a month. Local dining only) |
 KrisFlyer UOB Credit Card |
3 mpd (min $500 spend on SIA-related transactions in a membership year. Bonus miles credited 2 months after the card anniversary) |
Maybank World MastercardEducation/tuition fee payments
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1.2 mpd |
| 1.2 mpd | |
| 1.1 mpd |
Grab/gojek/Ryde/TADA (rides only, does not include GrabPay top-ups unless otherwise stated)
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4 mpd (limit $2K per month) |
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4 mpd (capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Transport category must be chosen as your bonus category at the start of each quarter) |
| 4 mpd |
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| HSBC Revolution |
4 mpd (limit $1,000 per month) |
| Maybank Horizon Visa Signature |
3.2 mpd (on Grab and taxis, min $300 total card spending in a month) |
| 3.2 mpd (capped at $200/month) |
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| 3.1 mpd (capped at $200/month) |
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| KrisFlyer UOB Credit Card |
3 mpd (min $500 spend on SIA-related transactions in a membership year. Bonus miles credited 2 months after the card anniversary) |
Groceries/Supermarket
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4 mpd (capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Family must be chosen as your bonus category at the start of each quarter. Does not apply at Cold Storage, Giant, Jasons, Market Place) |
| HSBC Revolution |
4 mpd (limit $1,000 per month, must be online or contactless payment) |
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2.6 mpd (min $400 spend on anything in a month. Capped at $1,250 of grocery expenditure. Only at Cold Storage, Giant, Jasons and Market Place) |
| If PayWave is accepted (NTUC/Sheng Siong), refer to PayWave section |
Hotels (online)
| 10 mpd on Kaligo, 7 mpd on Agoda | |
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10 mpd on Kaligo, 6 mpd on Expedia, 3 mpd for other hotels, limit $5K per month. Only works if your reservation is fully prepaid online. Submitting your card info online does not guarantee the reservation is processed online |
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6 mpd on Agoda, 6 mpd on Expedia, 6 mpd on UOB Travel |
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4 mpd, limit $2K per month. Only works if your reservation is fully prepaid online. Submitting your card info online does not guarantee the reservation is processed online. |
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4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Travel must be chosen as your bonus category at the start of each quarter. Lady’s Card gets one bonus category, Lady’s Solitaire gets two bonus categories. Transaction need not be online. |
| HSBC Revolution |
4 mpd (limit $1,000 per month. Must be online or use contactless payment) |
| 3.2 mpd for bookings made at Agoda.com/horizon. Min $300 total card spending in a month | |
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3 mpd for Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOBTravel.com (with min $500 spend on SIA-related transactions in a year). Bonus miles credited 2 months after the card anniversary |
Insurance Premiums
| 👉 Full article: What are the best cards for insurance premiums? |
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1.2 mpd |
| 1.2 mpd (only for Chubb) | |
| 1.1 mpd (only for Chubb) |
| For you to earn miles on insurance premiums, you must charge the premium directly to your card. Payments through AXS will not earn any miles. |
Online Transactions
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4 mpd (limit $2K per month) |
| 4 mpd (except travel, limit $1K per statement month. Do note the issues with the Citi Rewards Mastercard) |
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 OCBC Titanium Rewards |
4 mpd (on online shopping, limit $12K per membership year) |
 UOB Preferred Platinum Visa |
4 mpd (on online shopping and entertainment, limit $1,110 per month) |
| HSBC Revolution |
4 mpd (on online shopping and travel, limit $1,000 per month) |
| KrisFlyer UOB Credit Card |
3 mpd (min $500 spend on SIA-related transactions in a membership year. Bonus miles credited 2 months after the card anniversary) |
| The definition of eligible online transactions will differ by bank. Refer to individual card T&Cs when in doubt |
PayWave
 UOB Preferred Platinum Visa |
4 mpd (except at places which award SMART$. Limit $1,110 per month. Also works for Google, Apple, Fitbit, Samsung Pay. Applies to both local and overseas transactions. No points for paying with physical card) |
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4 mpd, except at places which award SMART$. Subject to min $1K max $2K combined spending on petrol and PayWave per statement cycle. Only local PayWave transactions eligible. |
Petrol
| 👉 Full article: What’s the best card for petrol? |
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4 mpd (except at Shell, SPC. Subject to min $1K max $2K combined spending on petrol and PayWave per statement cycle) |
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4 mpd |
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3.2 mpd (min $300 total card spending in a month) |
Public Transportation (SimplyGo)
| 👉 Full article: What’s the best card for public transportation? |
| 4.4 mpd (Registration required) |
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4 mpd (Capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Transport must be chosen as your bonus category at the start of each quarter) |
| 3.2 mpd (min $300 spend on anything in a month) |
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| KrisFlyer UOB Credit Card |
3 mpd (min $500 spend on SIA-related transactions in a membership year. Bonus miles credited 2 months after the card anniversary) |
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1.4 mpd (min $2K overall spend per statement cycle, otherwise 1 mpd) |
 UOB Visa Infinite Metal Card |
1.4 mpd |
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1.25 mpd (1 mpd if first year or if previous year’s spending <$50K) |
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1.2 mpd |
 Maybank Visa Infinite |
1.2 mpd |
 SCB X Card |
1.2 mpd |
Shopping (offline)
| 7.8 mpd on the first $16K spent per year at Platinum EXTRA merchants | |
| HSBC Revolution |
4 mpd (limit $1,000 per month. Must use contactless) |
| 4 mpd, limit $1K per statement month | |
| OCBC Titanium Rewards |
4 mpd, limit $12K per membership year |
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4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Fashion must be chosen as your bonus category at the start of each quarter. Lady’s Card gets one bonus category, Lady’s Solitaire gets two bonus categories |
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4 mpd at participating Club 21 boutiques and T Galleria by DFS Singapore |
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3.2 mpd with min $300 single receipt spend at participating Club 21 boutiques |
Maybank World Mastercard
DBS Treasures AMEX| The definition of eligible shopping transactions will differ by bank. Refer to individual card T&Cs when in doubt. |
Telco Bills (Singtel, Starhub, M1 etc)
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4 mpd (capped at $2K per month, for Singtel bills if paid via Singtel app or online via Singtel account, for M1 bills if paid via M1 app. No points if set up as recurring credit card payment) |
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4 mpd (capped at $1K per statement month, must be paid online or via app . No points if set up as recurring credit card payment) |
| 1.2 mpd | |
| 1.1 mpd |
Utilities
| 👉 Full article: What are the best cards to use for electricity bills & utilities? |
 UOB PRVI Miles (all versions) |
1.4 mpd |
| UOB Visa Infinite Metal Card |
1.4 mpd |
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1.4 mpd (min $2K overall spend per statement cycle, otherwise 1 mpd) |
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1.2 mpd |
| KrisFlyer UOB Credit Card |
1.2 mpd |
| 1.2 mpd |
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| 1.1 mpd |
