What card do I use for…

Remember that this guide only shows you the optimum card within a category. Depending on your overall spending, it may make sense to stick to cards from only one bank as opposed to a best-of-breed strategy so as to avoid the problem of orphan points and multiple conversion fees.
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[Last updated: 9 Jun 2019]

Local General Spending

BOC Elite Miles World Mastercard

1.5 mpd

UOB PRVI Miles (All variants)

1.4 mpd

SCB Visa Infinite

1.4 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd)

Citi Prestige

1.3 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers)

HSBC Visa Infinite

1.25 mpd (1 mpd if first year or if previous year spending <$50K)

DBS Altitude (all variants)

1.2 mpd

OCBC VOYAGE

1.2 mpd (Premier & Private banking versions earn 1.6 mpd)

KrisFlyer UOB Credit Card 

1.2 mpd

Citi PremierMiles Visa

1.2 mpd

KrisFlyer AMEX Ascend

1.2 mpd

KrisFlyer AMEX Credit Card

1.1 mpd

Foreign Currency Spending


UOB Visa Signature

4 mpd, if payment processing done outside of Singapore, min $1K max $2K foreign currency spending per statement cycle

SCB Visa Infinite

3 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd)

BOC Elite Miles World Mastercard

3 mpd, if payment processing done outside of Singapore 

SCB Rewards+

2.9 mpd, capped at $2,222 of foreign currency spending a year

UOB PRVI Miles (All variants)

2.4 mpd, if payment processing done outside of Singapore 


DBS Treasures AMEX

2.4 mpd

OCBC VOYAGE

2.4 mpd (until 31 Dec 19, after which 2.3 mpd)

HSBC Visa Infinite

2.25 mpd (2 mpd if first year or if previous year spending <$50K)

DBS Altitude (All variants)

2 mpd

Citi PremierMiles Visa

2 mpd

Citi Prestige

2 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers)

Maybank Horizon Visa Signature
2 mpd, min $300 total card spending in a month

Air Tickets

UOB PRVI Miles (All variants)

7 mpd for selected airline bookings on Expedia and UOB Travel (China Eastern, China Southern, Finnair, Garuda, Hawaiian, Korean, Qatar, Shenzhen, Sichuan, Thai, Turkish, Xiamen, Air France, American, British Airways, ANA, Asiana, Cathay, Emirates, JAL, Etihad, Jet, Qantas, SWISS). List subject to change, refer to website for latest. Capped at $3K spend till 31 Aug 19. Details here


UOB Visa Signature

4 mpd if charged in foreign currency and payment processing done outside of Singapore (e.g booking United Airlines domestic USA tickets on United Airlines US website). Min $1K max $2K per statement period

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This category 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


DBS Woman’s World Card

4 mpd, limit $2K per month 

DBS Altitude (All variants)

6 mpd on Expedia (until 31 Mar 2020), otherwise 3 mpd, limit $5K per month

BOC Elite Miles World Mastercard

3 mpd, if in foreign currency and payment processing done outside of Singapore 

KrisFlyer UOB Credit Card

3 mpd on SIA-related transactions

KrisFlyer AMEX Ascend

2 mpd on SIA-related transactions (excluding Scoot)

KrisFlyer AMEX Credit Card

2 mpd on SIA-related transactions (excluding Scoot)

Maybank Horizon Visa Signature
2 mpd, min $300 total card spending in a month

AMEX Platinum Charge

1.95 mpd on Singapore Airlines, SilkAir and Scoot tickets purchased through website or Platinum concierge

Cardup

Any general spending card will earn miles with CardUp. CardUp keeps an up-to-date list here, a copy of which is shown below. 

Spending on CardUp is treated the same as any other spending.  In other words, it will count towards sign up bonuses, as well as spending requirements to trigger bonus miles (e.g. SCB Visa Infinite’s $2K spending requirement to unlock 1.4/3.0 mpd on local/overseas spending.

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 TAX199 to enjoy a 1.99% discounted rate on tax payments (use by 24 July 2019, Visa/Mastercard only), or SAVERENT19 to enjoy a 1.9% discounted rate on rental payments (for rental payments due by 31 Dec 2019, max one payment a month, Visa/Mastercard only) 

 Charitable Donations

KrisFlyer AMEX Ascend

1.2 mpd

KrisFlyer AMEX Credit Card

1.1 mpd

Dining


UOB Preferred Platinum AMEX

4 mpd, capped at $6K per calendar year. No longer available for application

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This category 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


Maybank World Mastercard

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 Card3 mpd, min $500 spend on SIA-related transactions in a membership year. Bonus miles credited 2 months after the card anniversary

HSBC Revolution
2 mpd

OCBC VOYAGE
1.6 mpd

Grab/gojek/Ryde/TADA (rides only, does not include top-ups unless otherwise stated)

DBS Woman’s World Card

4 mpd, limit $2K per month

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This category 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

Citi Rewards Visa & Citi Rewards Mastercard

4 mpd, limit $1K per month. GrabPay top ups not officially included, but numerous reports of 4 mpd being awarded

Maybank Horizon Visa Signature
3.2 mpd on Grab and taxis, min $300 total card spending in a month

KrisFlyer AMEX Ascend

3.2 mpd, capped at $200/month. Includes GrabPay top up

KrisFlyer AMEX Credit Card

3.1 mpd, capped at $200/month. Includes GrabPay top up

KrisFlyer UOB Credit Card

3 mpd (with min $500 spend on SIA-related transactions in a year). Also includes general taxi rides. Bonus miles credited 2 months after the card anniversary

UOB PRVI Miles (All variants)

3 mpd on Grab only until 31 July 2019, limit $200 per month. Includes GrabPay top up. Discontinued for PRVI Miles AMEX

Groceries

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This category 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
If PayWave is accepted (NTUC/Sheng Siong), refer to PayWave section

Hotels (online)

Citi PremierMiles Visa

10 mpd on Kaligo, 7 mpd on Agoda, 3 mpd on Expedia

DBS Altitude (All variants)

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 

UOB PRVI Miles (All variants)

10 mpd on Kaligo, 7 mpd on Agoda, 7 mpd on Expedia, 7 mpd on UOB Travel. Caps apply, full details here

DBS Woman’s World Card

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

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This category 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. 


Maybank Horizon Visa Signature

3.2 mpd for bookings made at Agoda.com/horizon. Min $300 total card spending in a month

BOC Elite Miles World Mastercard

3 mpd, if in foreign currency and payment processing done outside of Singapore 

KrisFlyer UOB Credit Card 

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 
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Insurance Premiums


HSBC Revolution

2 mpd, must be paid online

BOC Elite Miles World Mastercard

1.5 mpd

KrisFlyer AMEX Ascend

1.2 mpd

OCBC VOYAGE
1.2 mpd (except Great Eastern and NTUC Income)

Citi Prestige

1.3 mpd for Chubb and Prudential (via Onebill)

Citi PremierMiles Visa

1.2 mpd for Chubb and Prudential (via Onebill)

KrisFlyer AMEX Credit Card

1.1 mpd
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

DBS Woman’s World Card

4 mpd, limit $2K per month

Citi Rewards Visa & Citi Rewards Mastercard

4 mpd, limit $1K per month 
OCBC Titanium Rewards4 mpd, limit $12K per membership year
UOB Preferred Platinum Visa4 mpd, limit $1K per month

KrisFlyer UOB Credit Card

3 mpd (with min $500 spend on SIA-related transactions in a year). Bonus miles credited 2 months after the card anniversary


HSBC Revolution

2 mpd

DBS Woman’s Card

2 mpd, limit $1K per month
The definition of eligible online transactions will differ by bank. Refer to individual card T&Cs when in doubt

PayWave

UOB Preferred Platinum Visa4 mpd, except at places which award SMART$. Limit $1K per month. Also works for Google, Apple, Samsung Pay. Applies to both local and overseas transactions.


UOB Visa Signature

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


UOB Visa Signature

4 mpd, except at places which award SMART$ eg Shell. Subject to min $1K max $2K combined spending on petrol and PayWave per statement cycle


Maybank World Mastercard

4 mpd


Maybank Horizon Visa Signature

3.2 mpd, min $300 total card spending in a month

Public Transportation (Simply Go)

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This category 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


Maybank Horizon Visa Signature

3 mpd with min $300 spend on anything in a month

KrisFlyer UOB Credit Card

3 mpd (with min $500 spend on SIA-related transactions in a year). Bonus miles credited 2 months after the card anniversary

BOC Elite Miles World Mastercard

1.5 mpd

UOB PRVI Miles Mastercard/Visa

1.4 mpd. Note that SimplyGo Visa transactions post daily, so you won’t earn any points on UOB PRVI Miles Visa unless you spend >$5 a day

SCB Visa Infinite

1.4 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd)

HSBC Visa Infinite

1 mpd (1.25 mpd if previous year spending >$50K)

OCBC VOYAGE

1.2 mpd (Premier & Private banking versions earn 1.6 mpd)

DBS Altitude Visa

1.2 mpd 

Shopping (offline)


AMEX Platinum Charge

7.8 mpd on the first $16K spent per year at Platinum EXTRA merchants, 3.9 mpd after that 

Citi Rewards Visa & Citi Rewards Mastercard

4 mpd, limit $1K per month
OCBC Titanium Rewards4 mpd, limit $12K per membership year

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This category 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


Maybank World Mastercard

4 mpd at participating Club 21 boutiques and T Galleria by DFS Singapore

DBS Treasures AMEX

3.2 mpd with min $300 single receipt spend at participating Club 21 boutiques 
The definition of eligible shopping transactions will differ by bank. Refer to individual card T&Cs when in doubt.

Telco Bills

This section needs your help! Please contribute additional data points for other telcos in the comments below


DBS Woman’s World Card

4 mpd, caped 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.

Citi Rewards Visa & Citi Rewards Mastercard

4 mpd, limit $1K per month, must be paid online or via app . No points if set up as recurring credit card payment.

DBS Altitude (all variants)

1.2 mpd for M1 bills (details here)

Citi Prestige

1.3 mpd for Singtel, M1, Starhub (via Onebill)

Citi PremierMiles Visa

1.2 mpd for Singtel, M1, Starhub (via Onebill)

Utilities

This section needs your help! Please contribute additional data points for other telcos in the comments below


HSBC Revolution

2.0 mpd for online utilities payments

UOB PRVI Miles (All variants)

1.4 mpd on Keppel Electric and SP


DBS Altitude (all variants)

1.2 mpd for SP Utilities, Keppel Electric, iSwitch (details here)

234 comments

  1. Hi, just called up Citibank customer service and was told that using One Bill does not award miles anymore, even though previously it did. Can anyone else confirm this?

  2. Hi,
    Can I check if the following cards will yield 4mpd for overseas usage,

    UOB PPV – Paywave/Applepay
    Citi Rewards – Fashion
    UOB Lady – Fashion and Dining

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