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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: 22 May 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
Amaze + Citi Rewards	4 mpd	Max S$1K per s. month, excludes airlines, hotels, car rental, cruises and other travel trxns
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 s. month, otherwise 1 mpd
Citi Prestige	1.3 mpd	Up to 0.06/0.12 mpd relationship bonus
OCBC 90°N Cards	1.3 mpd
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
HSBC TravelOne	1.2 mpd
Maybank Visa Infinite	1.2 mpd
SCB Journey	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
BOC Elite Miles Card	1 mpd

Foreign Currency Spending

Card	Earn Rate	Remarks
Amaze + Citi Rewards	4 mpd	Max S$1K per s. month, excludes airlines, hotels, car rental, cruises and other travel trxns
UOB Visa Signature	4 mpd	Min S$1K max S$2K foreign currency spend per statement month
SCB Visa Infinite	3 mpd	Min S$2K overall spend per statement month, otherwise 1 mpd
SCB Rewards+	2.9 mpd	Max S$2.2K foreign currency spending per membership year
HSBC TravelOne	2.4 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 Cards	2.1 mpd
Citi ULTIMA	2 mpd
DBS Insignia	2 mpd
Maybank Visa Infinite	2 mpd
SCB Journey	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
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 Lady’s Card & UOB Lady’s Solitaire	6 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
UOB Visa Signature	4 mpd (if FCY)	Min S$1K max S$2K foreign currency spend per statement month
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

What’s the best card to use for CardUp?

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
UOB Lady’s Card & UOB Lady’s Solitaire	6 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
HSBC Revolution	4 mpd	Limit S$1K per month. Must use contactless
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$800 spend on SIA-related transactions in a membership year

Education

Card	Earn Rate	Remarks
👉 Full article: What’s the best card for education expenses?
UOB Reserve Card	SGD: 1.6 mpd FCY: 2.4 mpd
AMEX Solitaire PPS Card	SGD: Up to 1.5 mpd FCY: Up to 2.4 mpd	All spending below S$3.8K per month earns 1.3 mpd
UOB Visa Infinite Metal Card	SGD: 1.4 mpd FCY: 2.4 mpd
AMEX HighFlyer Card	1.8 mpd
AMEX PPS Card	SGD: Up to 1.4 mpd FCY: Up to 2 mpd	All spending below S$3.8K per month earns 1.3 mpd
UOB Privilege Banking Card	SGD: 1.2 mpd FCY: 2 mpd
AMEX KrisFlyer Ascend	SGD: 1.2 mpd FCY: 2 mpd	FCY bonus in Jun/Dec only
Maybank Visa Infinite	SGD: 1.2 mpd FCY: 2 mpd
AMEX KrisFlyer Credit Card	SGD: 1.1 mpd FCY: 2 mpd	FCY bonus in Jun/Dec only
Maybank Horizon Visa Signature	SGD: 0.4 mpd FCY: 2 mpd	Min S$300 total card spending in a month

Food Delivery

Card	Earn Rate	Remarks
UOB Lady’s Card & UOB Lady’s Solitaire	6 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
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
HSBC Revolution	4 mpd	Limit S$1K per month
KrisFlyer UOB Credit Card	3 mpd	Min S$800 spend on SIA-related transactions in a membership year
SCB Journey	3 mpd	Limit S$1K per s. month, must be online in SGD. Ends 31 Dec 23

Grab/gojek/TADA/other ride hailing

Card	Earn Rate	Remarks
UOB Lady’s Card & UOB Lady’s Solitaire	6 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
DBS Woman’s World Card	4 mpd	Cap S$2K per month
Citi Rewards	4 mpd	Cap S$1K per statement month
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$800 spend on SIA-related transactions in a membership year
SCB Journey	3 mpd	Limit S$1K per s. month, must be online in SGD. Ends 31 Dec 23

Groceries/Supermarket

Card	Earn Rate	Remarks
UOB Lady’s Card & UOB Lady’s Solitaire	6 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
HSBC Revolution	4 mpd	Limit S$1K per month, must be online or contactless payment
SCB Journey	3 mpd	Limit S$1K per s. month, must be online in SGD. Ends 31 Dec 23

Hospitals

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

Hotels

Card	Earn Rate	Remarks
Citi PremierMiles	10 mpd on Kaligo, 7 mpd on Agoda
DBS Altitude (AMEX \| Visa)	10 mpd on Kaligo, 8 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)	8 mpd on Expedia, 6 mpd on Agoda & UOB Travel	Reservation must be fully prepaid online
UOB Lady’s Card & UOB Lady’s Solitaire	6 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
DBS Woman’s World Card	4 mpd	Limit S$2K per month. Reservation must be fully prepaid online.
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$800 spend on SIA-related transactions in a year)

Insurance Premiums

Card	Earn Rate	Remarks
👉 Full article: What’s the best card for insurance premiums?
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$13,335 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$800 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
HSBC Revolution	4 mpd	For airlines, car rental, lodging, department stores, supermarkets, restaurants (full list)

Petrol

Card	Earn Rate	Remarks
👉 Full article: What’s the best card for petrol?
UOB Lady’s Card & UOB Lady’s Solitaire	6 mpd	Excludes SPC. 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
UOB Visa Signature	4 mpd	Excludes SPC. Min. S$1K max S$2K combined spending on petrol and PayWave per statement month
Maybank World Mastercard	4 mpd	No cap
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?
UOB Lady’s Card & UOB Lady’s Solitaire	6 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
SCB Smart Card	5.6 mpd	Capped at S$818 per statement month
Maybank Horizon Visa Signature	3.2 mpd	Min S$300 total card spending in a month
KrisFlyer UOB Credit Card	3 mpd	Min S$800 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
UOB Lady’s Card & UOB Lady’s Solitaire	6 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
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$13,335 per membership year
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?
Maybank Manchester United Card	2.0 mpd + 3% cashback (on days where Man Utd win) 0.4 mpd + 1% cashback (otherwise)
UOB Reserve	1.6 mpd
SCB Visa Infinite	1.4 mpd	Min S$2K overall spend per statement month, otherwise 1 mpd
SCB Journey	1.2 mpd
Maybank Visa Infinite	1.2 mpd