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What card do I use for...

💳 The MileLion’s Credit Card Guide

Contents Page

Local General Spending
Foreign Currency Spending
Air Tickets
CardUp
Charitable Donations
Dining
Education
Food Delivery
Grab/gojek/Ryde/TADA
Groceries
Hotels
Hospitals
Insurance
Mobile/PayWave
Online Transactions
Petrol
Public Transportation
Shopping (offline)
Telcos
Utilities

What’s the MCC? Here’s an easy way to check the MCC of a merchant before spending

[Last updated: 1 Jan 2023]
All months refer to calendar month and all years refer to calendar year unless statement month or membership year is explicitly mentioned

Local General Spending

Card	Earn Rate	Remarks
AMEX HighFlyer Card	1.8 mpd	Only for SME owners with an ACRA registration number
Citi ULTIMA	1.6 mpd
DBS Insignia	1.6 mpd
UOB Reserve	1.6 mpd
OCBC VOYAGE (Premier, PPC, BOS)	1.6 mpd
DBS Vantage	1.5 mpd
UOB Visa Infinite Metal Card	1.4 mpd
UOB PRVI Miles (AMEX \| Mastercard \| Visa)	1.4 mpd
SCB Visa Infinite	1.4 mpd	Min S$2K total spend per statement month, otherwise 1 mpd
Citi Prestige	1.3 mpd	Up to 0.06/0.12 mpd relationship bonus
OCBC VOYAGE	1.3 mpd
OCBC Premier Visa Infinite	1.28 mpd
HSBC Visa Infinite	1.25 mpd	1 mpd if first membership year or if previous membership year’s spending below S$50K
Maybank Visa Infinite	1.2 mpd
OCBC 90°N Mastercard	1.2 mpd
SCB X Card	1.2 mpd
DBS Altitude (AMEX \| Visa)	1.2 mpd
KrisFlyer UOB Credit Card	1.2 mpd
Citi PremierMiles	1.2 mpd
AMEX KrisFlyer Ascend	1.2 mpd
AMEX KrisFlyer Credit Card	1.1 mpd
OCBC 90°N Visa	1 mpd
BOC Elite Miles Card	1 mpd

Foreign Currency Spending

⚠️ Protip: Just use Amaze

My advice is to get an Amaze Card and pair it with a Citi Rewards Card for overseas spending. This awards 4 mpd, with no FCY fees (although there is a currency spread).

Card	Earn Rate	Remarks
UOB Visa Signature	4 mpd	Min S$1K max S$2K foreign currency spend per statement month
SCB Rewards+	4 mpd (if you hold a Visa Infinite or X Card) 2.9 mpd (otherwise)	Max S$2.2K foreign currency spending per membership year
SCB Visa Infinite	3 mpd	Min S$2K overall spend per statement month, otherwise 1 mpd
UOB PRVI Miles (AMEX \| Mastercard \| Visa)	2.4 mpd
UOB Reserve	2.4 mpd
DBS Treasures AMEX	2.4 mpd
HSBC Visa Infinite	2.25 mpd	2 mpd if first membership year or if previous membership year’s spending below S$50K
OCBC Premier Visa Infinite	2.24 mpd
OCBC VOYAGE (Premier, PPC, BOS)	2.3 mpd
DBS Vantage	2.2 mpd
OCBC VOYAGE	2.2 mpd
OCBC 90°N Mastercard	2.1 mpd
Citi ULTIMA	2 mpd
DBS Insignia	2 mpd
Maybank Visa Infinite	2 mpd
SCB X Card	2 mpd
UOB Visa Infinite Metal Card	2 mpd
DBS Altitude (AMEX \| Visa)	2 mpd
Citi PremierMiles	2 mpd
Citi Prestige	2 mpd	Up to 0.06/0.12 mpd relationship bonus
OCBC 90°N Visa	2 mpd
BOC Elite Miles Card	2 mpd
Maybank Horizon Visa Signature	2 mpd	Min. S$300 total card spending in a month

Air Tickets

Card	Earn Rate	Remarks
UOB PRVI Miles (AMEX \| Mastercard \| Visa)	6 mpd	For selected airline bookings on Expedia and UOB Travel
UOB Visa Signature	4 mpd (if FCY)	Min S$1K max S$2K foreign currency spend per statement month
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Max S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Travel must be chosen as bonus category
DBS Woman’s World Card	4 mpd	Max S$2K per month
HSBC Revolution	4 mpd	Max S$1K per month
DBS Altitude (AMEX \| Visa)	3 mpd	Max S$5K per month
KrisFlyer UOB Credit Card	3 mpd	SIA & Scoot only
AMEX KrisFlyer Ascend	2 mpd	SIA only
AMEX KrisFlyer Credit Card	2 mpd	SIA only
Maybank Horizon Visa Signature	2 mpd	Min S$300 total card spending in a month

CardUp

❓ Which cards earn miles for CardUp?

CardUp keeps an up-to-date list of cards that earn rewards, a copy of which is shown below.

American Express® Singapore Airlines KrisFlyer Credit Card
American Express® Singapore Airlines KrisFlyer Ascend Credit Card
American Express® Singapore Airlines PPS Club Credit Card
American Express® Singapore Airlines Solitaire PPS Club Credit Card
Bank of China Elite Miles World Mastercard
Citi PremierMiles Visa Card
Citi PremierMiles American Express Card
Citi PremierMiles Mastercard
Citi Prestige Card
Citi ULTIMA Card
DBS Altitude Visa Signature Card
DBS Altitude American Express Card
DBS Insignia Visa Infinite Card
DBS Treasures Black Elite American Express Card
OCBC Voyage Card
OCBC 90ºN Card
Standard Chartered Priority Banking Visa Infinite Credit Card
Standard Chartered Visa Infinite Credit Card
Standard Chartered Visa Infinite X Credit Card
UOB PRVI Miles Mastercard
UOB PRVI Miles Visa Card
UOB PRVI Miles American Express Card
UOB Reserve Card
UOB Visa Infinite Metal Card
KrisFlyer UOB Credit Card

If this is your first time using CardUp, use the code MILELION to save S$30 off your first transaction with no minimum spend required. This allows you to earn free miles on a payment of up to S$1,154 (based on CardUp’s regular admin fee of 2.6%).

Charitable Donations

Card	Earn Rate	Remarks
👉 Full article: What are the best cards for charitable donations?
Maybank Horizon Visa Signature	0.4 mpd 2 mpd (if FCY)	Min S$300 total card spending in a month
Maybank Visa Infinite	1.2 mpd 2 mpd (if FCY)
AMEX KrisFlyer Ascend	1.2 mpd 2 mpd (if FCY)	FCY bonus in Jun/Dec only
AMEX KrisFlyer Credit Card	1.1 mpd 2 mpd (if FCY)	FCY bonus in Jun/Dec only
AMEX HighFlyer Card	1.8 mpd	Only for SME owners with an ACRA registration number
AMEX Platinum Cards	0.78 mpd for Platinum Charge, 0.69 mpd for others

Dining

Card	Earn Rate	Remarks
HSBC Revolution	4 mpd	Limit S$1K per month. Must use contactless
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Dining must be chosen as bonus category at the start of each quarter
Maybank Horizon Visa Signature	3.2 mpd	Min S$300 total card spending in a month. Local dining only
KrisFlyer UOB Credit Card	3 mpd	Min S$500 spend on SIA-related transactions in a membership year

Education

Card	Earn Rate	Remarks
👉 Full article: What’s the best card for education expenses?
Maybank Horizon Visa Signature	0.4 mpd 2 mpd (if FCY)	Min S$300 total card spending in a month
Maybank Visa Infinite	1.2 mpd 2 mpd (if FCY)
AMEX KrisFlyer Ascend	1.2 mpd 2 mpd (if FCY)	FCY bonus in Jun/Dec only
AMEX KrisFlyer Credit Card	1.1 mpd 2 mpd (if FCY)	FCY bonus in Jun/Dec only

Food Delivery

Card	Earn Rate	Remarks
DBS Woman’s World Card	4 mpd	Cap S$2K per month
Citi Rewards	4 mpd	Cap S$1K per statement month
UOB Pref. Plat Visa	4 mpd	Cap S$1.1K per month
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Dining must be chosen as bonus category at the start of each quarter
HSBC Revolution	4 mpd	Limit S$1K per month
KrisFlyer UOB Credit Card	3 mpd	Min S$500 spend on SIA-related transactions in a membership year

Grab/gojek/TADA/other ride hailing

Card	Earn Rate	Remarks
DBS Woman’s World Card	4 mpd	Cap S$2K per month
Citi Rewards	4 mpd	Cap S$1K per statement month
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Transport must be chosen as bonus category at the start of each quarter
HSBC Revolution	4 mpd	Limit S$1K per month
Maybank Horizon Visa Signature	3.2 mpd	On Grab and taxis, min S$300 total card spending in a month
AMEX KrisFlyer Ascend	3.2 mpd	Capped at S$200/month, Grab only
AMEX KrisFlyer Credit Card	3.1 mpd	Capped at S$200/month, Grab only
KrisFlyer UOB Credit Card	3 mpd	Min S$500 spend on SIA-related transactions in a membership year

Groceries/Supermarket

Card	Earn Rate	Remarks
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Capped at S$1K per month for Lady’s Card and S$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 S$1K per month, must be online or contactless payment

Hospitals

Card	Earn Rate	Remarks
👉 Full article: What are the best cards for hospitals?
AMEX HighFlyer Card	1.8 mpd	Only for SME owners with an ACRA registration number
UOB Reserve	1.6 mpd	Except MCC 9399
Citi ULTIMA	1.6 mpd	Except MCC 9399
UOB Visa Infinite Metal Card	1.4 mpd	Except MCC 9399
SCB Visa Infinite	1.4 mpd	Min S$2K overall spend per statement month, otherwise 1 mpd, except MCC 9399
Citi Prestige	1.3 mpd	Except MCC 9399
AMEX Solitaire PPS Credit Card	1.3 mpd
AMEX PPS Credit Card	1.3 mpd
HSBC Visa Infinite	1.25 mpd	1 mpd if first membership year or if previous membership year’s spending below S$50K, except MCC 9399
SCB X Card	1.2 mpd	Except MCC 9399
Citi PremierMiles	1.2 mpd	Except MCC 9399
Maybank Visa Infinite	1.2 mpd	Except MCC 9399
AMEX KrisFlyer Ascend	1.2 mpd
AMEX KrisFlyer Credit Card	1.1 mpd
AMEX Centurion	0.98 mpd
AMEX Platinum Charge	0.78 mpd
AMEX Platinum Reserve	0.69 mpd
AMEX Platinum Credit Card	0.69 mpd
AMEX Rewards Card	0.63 mpd

Hotels

Card	Earn Rate	Remarks
Citi PremierMiles	10 mpd on Kaligo, 7 mpd on Agoda
DBS Altitude (AMEX \| Visa)	10 mpd on Kaligo, 6 mpd on Expedia, 3 mpd for other hotels	Limit S$5K per month. Reservation must be fully prepaid online
UOB PRVI Miles (AMEX \| Mastercard \| Visa)	6 mpd	For hotels booked on UOB Travel only
DBS Woman’s World Card	4 mpd	Limit S$2K per month. Reservation must be fully prepaid online.
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Travel must be chosen as bonus category at the start of each quarter
HSBC Revolution	4 mpd	Limit S$1K per month. Must be online or use contactless payment
Maybank Horizon Visa Signature	3.2 mpd	For bookings made at Agoda.com/horizon. Min S$300 total card spending in a month
KrisFlyer UOB Credit Card	3 mpd	Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOB Travel (with min S$500 spend on SIA-related transactions in a year)

Insurance Premiums

Card	Earn Rate	Remarks
👉 Full article: What’s the best card for insurance premiums?
AMEX HighFlyer Card	1.8 mpd	Only for SME owners with an ACRA registration number
Maybank Visa Infinite	1.2 mpd
AMEX KrisFlyer Ascend	1.2 mpd	Chubb only
AMEX KrisFlyer Credit Card	1.1 mpd	Chubb only

Online Transactions

Card	Earn Rate	Remarks
DBS Woman’s World Card	4 mpd	Cap S$2K per month
Citi Rewards	4 mpd	Cap S$1K per statement month
OCBC Titanium Rewards	4 mpd	For online shopping, limit S$12K per membership year
UOB Preferred Platinum Visa	4 mpd	For on online shopping and entertainment, limit S$1.1K per month
HSBC Revolution	4 mpd	For online shopping and travel, limit S$1K per month
KrisFlyer UOB Credit Card	3 mpd	For online shopping and travel, with min S$500 spend on SIA Group in a membership year

Paywave/ Mobile Payments

Card	Earn Rate	Remarks
UOB Preferred Platinum Visa	4 mpd	Except at places which award UOB$. Limit S$1.1K per month. Must use mobile payments; no points for paying with physical card
UOB Visa Signature	4 mpd	Except at places which award UOB$. Min S$1K, Max S$2K per statement month

Petrol

Card	Earn Rate	Remarks
👉 Full article: What’s the best card for petrol?
UOB Visa Signature	4 mpd	Except at Shell, SPC. Min. S$1K max S$2K combined spending on petrol and PayWave per statement month
Maybank World Mastercard	4 mpd	4 mpd
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Transport must be chosen as your bonus category at the start of each quarter
Maybank Horizon Visa Signature	3.2 mpd	Min S$300 total card spending in a month

Public Transportation (SimplyGo)

Card	Earn Rate	Remarks
👉 Full article: What’s the best card for public transportation?
SCB Smart Card	7.7 mpd (if you hold a Visa Infinite or X Card) 5.6 mpd (otherwise)	Capped at S$818 per statement month
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Transport must be chosen as your bonus category at the start of each quarter
Maybank Horizon Visa Signature	3.2 mpd	Min S$300 total card spending in a month
KrisFlyer UOB Credit Card	3 mpd	Min S$500 spend on SIA Group in a membership year

Shopping (offline)

Card	Earn Rate	Remarks
AMEX Platinum Charge	7.8 mpd	On the first S$16K spent per year at 10XCELERATOR merchants, 3.9 mpd afterwards
HSBC Revolution	4 mpd	Limit S$1K per month. Must use contactless.
Citi Rewards	4 mpd	Limit S$1K per statement month
OCBC Titanium Rewards	4 mpd	Limit S$12K per membership year
UOB Lady’s Card & UOB Lady’s Solitaire	4 mpd	Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Fashion must be chosen as your bonus category at the start of each quarter
AMEX Platinum Reserve	3.47 mpd	For 10XCELERATOR merchants
AMEX Platinum Credit Card	3.47 mpd	For 10XCELERATOR merchants
DBS Treasures AMEX	3.2 mpd	Min S$300 single receipt spend at participating Club 21 boutiques

Telco Bills (Singtel, Starhub, M1 etc)

Card	Earn Rate	Remarks
DBS Woman’s World Card	4 mpd	Capped at S$2K per month, for bills paid via app. No points if set up as recurring credit card payment
Citi Rewards	4 mpd	Capped at S$1K per statement month, must be paid online or via app . No points if set up as recurring credit card payment
AMEX HighFlyer Card	1.8 mpd	Only for SME owners with an ACRA registration number
AMEX KrisFlyer Ascend	1.2 mpd
AMEX KrisFlyer Credit Card	1.1 mpd

Utilities

Card	Earn Rate	Remarks
👉 Full article: What’s the best card for electricity bills & utilities?
AMEX HighFlyer Card	1.8 mpd	Only for SME owners with an ACRA registration number
SCB Visa Infinite	1.4 mpd	Min S$2K overall spend per statement month, otherwise 1 mpd
SCB X Card	1.2 mpd
Maybank Visa Infinite	1.2 mpd