[Last updated: 1 Jan 2020]
Local General Spending
| 1.5 mpd |
| 1.4 mpd |
| 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) | |
| 1.25 mpd (1 mpd if first year or if previous year spending <$50K) |
| 1.2 mpd | |
| 1.2 mpd |
| 1.2 mpd |
| 1.2 mpd (Premier & Private banking versions earn 1.6 mpd) |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.1 mpd |
Foreign Currency Spending
| 4 mpd until 29 Feb 20. 2.1 mpd after | |
| 4 mpd, if payment processing done outside of Singapore, min $1K max $2K foreign currency spending per statement cycle |
| 3 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd) | |
| 3 mpd, if payment processing done outside of Singapore |
| 2.9 mpd, capped at $2,222 of foreign currency spending a year |
| 2.4 mpd, if payment processing done outside of Singapore |
| 2.4 mpd |
| 2.3 mpd |
| 2.25 mpd (2 mpd if first year or if previous year spending <$50K) |
| 2 mpd |
| 2 mpd | |
| 2 mpd |
| 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
| 6 mpd for selected airline bookings on Expedia and UOB Travel. List subject to change, refer to website for latest. Capped at $3K spend till 31 Dec 20 (UOB Travel), 30 Apr 20 (Expedia). Details here |
| 4 mpd on Singapore Airlines, SilkAir, Scoot, AirAsia and Jetstar, until 29 Feb 20 | |
| 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 |
| 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 |
| 4 mpd, limit $2K per month |
| 6 mpd on Expedia (until 31 Mar 20), otherwise 3 mpd, limit $5K per month |
| 3 mpd, if in foreign currency and payment processing done outside of Singapore |
| 3 mpd on SIA-related transactions (Scoot, SilkAir, Singapore Air) | |
| 2 mpd on SIA-related transactions (excluding Scoot) | |
| 2 mpd on SIA-related transactions (excluding Scoot) | |
Maybank Horizon Visa Signature | 2 mpd, min $300 total card spending in a month |
| 1.95 mpd on Singapore Air, 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 (with the exception of the X Card and UOB PRVI Miles), 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 SAVERENT19 to enjoy a 1.9% discounted rate on rental payments (for rental payments due by 30 Jun 20, max one payment a month, Visa/Mastercard only) |
Charitable Donations
| 1.2 mpd | |
| 1.1 mpd |
Dining
| 4 mpd, capped at $6K per calendar year. No longer available for application |
| 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. Lady’s Card gets one bonus category, Lady’s Solitaire gets two bonus categories |
| 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 |
 HSBC Revolution | 2 mpd |
 OCBC VOYAGE | 1.6 mpd |
Education/tuition fee payments
HSBC Revolution | 2 mpd, if paid online |
| 1.5 mpd |
| 1.4 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd) |
| 1.25 mpd (1 mpd if previous year spending <$50K or first year) |
| 1.2 mpd |
| 1.1 mpd |
Grab/gojek/Ryde/TADA (rides only, does not include top-ups unless otherwise stated)
| 4 mpd, limit $2K per month |
| 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. Lady’s Card gets one bonus category, Lady’s Solitaire gets two bonus categories. GrabPay top ups included |
| 4 mpd, limit $1K per statement 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. |
| 3.2 mpd, capped at $200/month. Includes GrabPay top up |
| 3.1 mpd, capped at $200/month. Includes GrabPay top up |
| 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 |
| 2 mpd. Includes first $200 of GrabPay top up. Anecdotal reports that you can earn 2 mpd on >$200. |
Groceries/Supermarket
| 4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Family must be chosen as your bonus category at the start of each quarter. Lady’s Card gets one bonus category, Lady’s Solitaire gets two bonus categories. Does not apply at Cold Storage, Giant, Jasons (SMART$ merchants) |
| 2.6 mpd with min S$400 spend on anything in a month. Capped at S$1,250 of grocery expenditure. Valid at Cold Storage, Giant, Jasons and Market Place |
| If PayWave is accepted (NTUC/Sheng Siong), refer to PayWave section |
Hotels (online)
| 7 mpd on Agoda, 3 mpd on Expedia |
| 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 |
| 7 mpd on Agoda, 7 mpd on Expedia, 7 mpd on UOB Travel. Caps apply, full details here |
| 8 mpd on Airbnb, Millennium Hotels & Resorts, Expedia, Mr. & Mrs. Smith, Agoda until 29 Feb 20 |
| 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. |
| 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. |
| 3.2 mpd for bookings made at Agoda.com/horizon. Min $300 total card spending in a month |
| 3 mpd, if in foreign currency and payment processing done outside of Singapore |
| 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
| 2 mpd, must be paid online |
| 1.5 mpd |
| 1.2 mpd |
| 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
| 4 mpd, limit $2K per month |
Citi Rewards Visa & Citi Rewards Mastercard | 4 mpd, except travel, limit $1K per statement month |
 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 $1K per month |
| 3 mpd (with min $500 spend on SIA-related transactions in a year). Bonus miles credited 2 months after the card anniversary |
| 2 mpd |
| 2 mpd, limit $1K per month |
| The definition of eligible online transactions will differ by bank. Refer to individual card T&Cs when in doubt |
PayWave
| UOB Preferred Platinum Visa | 4 mpd, except at places which award SMART$. Limit $1K per month. Also works for Google, Apple, Samsung Pay. Applies to both local and overseas transactions. |
| 4 mpd, except at places which award SMART$. Subject to min $1K max $2K combined spending on petrol and PayWave per statement cycle. Only local PayWave transactions eligible. |
Petrol
| 4 mpd, except at places which award SMART$ eg Shell. Subject to min $1K max $2K combined spending on petrol and PayWave per statement cycle |
| 4 mpd |
| 3.2 mpd, min $300 total card spending in a month |
Public Transportation (Simply Go)
| 4.4 mpd until 28 Feb 20, capped at $80 per month. Must add card to mobile wallet and use, no bonus awarded for tapping physical card. Registration required. |
| 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. Lady’s Card gets one bonus category, Lady’s Solitaire gets two bonus categories |
| 3.2 mpd with min $300 spend on anything in a month |
| 3 mpd (with min $500 spend on SIA-related transactions in a year). Bonus miles credited 2 months after the card anniversary |
| 1.5 mpd |
| 1.4 mpd | |
| 1.4 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd) |
| 1.25 mpd (1 mpd if previous year spending <$50K or first year) |
| 1.2 mpd (Premier & Private banking versions earn 1.6 mpd) |
Shopping (offline)
| 7.8 mpd on the first $16K spent per year at Platinum EXTRA merchants, 3.9 mpd after that | |
| 4 mpd, limit $1K per statement month |
| OCBC Titanium Rewards | 4 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. 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 |
| 4 mpd at participating Club 21 boutiques and T Galleria by DFS Singapore |
| 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 (Singtel, Starhub, M1 etc)
| 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 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
| 2 mpd for online utilities payments |
| 1.4 mpd on Keppel Electric and SP. Other providers may be possible, but not tested. |
| 1.2 mpd for SP Utilities via app |
| 1.1 mpd for SP Utilities via app |
| 0.78 mpd for AMEX Platinum Charge, 0.69 for all others. SP Utilities only. |
Any card that qualifies for points/ miles for insurance premium payments using AXS App?
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?
Didn’t get the miles for Prudential insurance premium either …
What happen to the EZ Link topup section please?
Does stacking UOB privi miles Visa and Master gives you S$400 grab top up per month for 3MPD?
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
Hi, can advise if any card gives miles for those music school chains. Merchant category code is 4900
Hi Aaron,
What card should I use for FX money transfer platform like TransferWise? or there is no card can be used?
Does UOB lady card gives 4mpd for grab pay top up if the category is set as transport? Because apparently when I called the bank, they say both grab top up and rides belong to the same MCC..
Citi Onebill does not provide miles for insurance payment for Prudential anymore. Could we have an update on which card to use for insurance payment?
Hello. The UOB Expedia promotion is offering 6 or 7mpd ?
From what I read in the T&C it mentions 6mpd.
updated to 6 mpd, thanks!
Hi Aaron, thanks for this great site! under telco we could add in boc elite miles.
Do you get 4mpd on payment of gym memberships (e.g. PURE, VirginActive, Barry’s etc.) online via DBS Woman’s World Card as well? Tried checking the crowdsourced spreadsheet but couldn’t find anything
Thanks!
Any card offering miles for youtrip? I understood you previously mentioned boc China. Any others?
Prvi miles
A suggestion for the categories to be on top such that one can click on it and it goes to that category to look at the cards directly.
Once you are at the cards, you can click go back to top and re-select another category to look at the various cards for that category.
Thanks! Good idea- I need to figure out how to implement it though. Maybe find a WordPress plugin
i’ve managed to implement the first part of this. trying to figure out how to add a back to top button.
Aaron, it is really great now. At least we won’t need to keep scrolling down and sometimes we can’t remember whether which category is after or before another category.
At least for iPhone user (not sure about android phones), we can just tap the top of the phone screen to go back up for now. Thank you
Hi Aaron.. Would you know for sure? cos I read every T&C I could find on OCBC website and couldn’t find anything explicit on this.. OCBC’s 90•N card.. online purchases in foreign currency.. 4mpd during promo or not..?
yes, confirm plus chop.
Thanks!
able to share which cards would still earn the base rate for grabpay topups? e.g. DBS altitude?
Hi Aaron,
I looked at your ‘cards to use to pay utilities ‘ and the HSBC Visa Infinite isn’t there.. but when I looked up SCB website and looked at their Ts&Cs, I couldn’t find Utilities as being an unqualified charge..
https://av.sc.com/sg/content/docs/sg-vi-tc-full.pdf#page3
Did I miss something?
Thanks!
Pls note that uob doesn’t issue Uni$ for SPC petrol. It is stated as a foot note in the UOB fuel page.
Bummer. As I had just switched to SPC for 3 months. Will go back to caltex at lower discount but with 4mpd.
Hi Aaron thanks for the detailed list! I’ve been using my Prvi miles visa for transit and I got my 1.4 miles since June. It seems like for visa they accumulate by calendar month and award based on that and not by each transaction. I was using Prvi miles mastercard previously and also got my miles cos each transaction was higher than $5.
yes, you’re right. prvi miles visa accumulates on a monthly basis, not per transactions as previously thought. will update this.
As of 16Dec
Grabpay and Grabpay MasterCard are not eligible to make payment thru AXS and SAM machine until further notice
What I figured out, there is a hidden fee for the exceptional rate of 7 or 8 MPD.
A special link to Agoda must be used which slightly marks up the price to the normal link, plus promotions cannot be used anymore.
Using the regular link I get a hotel for 103.- resulting in 412 Miles with the Womans card.
Using OCBC I get the same property for 110, resulting in 880 Miles. So I pay 7 dollar for 468 additional miles which is 1.14.- cents per mile.
There is no free lunch, Banks will always make sure they don’t make a loss. it just looks like scam to me.
Hi Aaron,
Thank you for this article. I’ve been following your blog for nearly 3 years, and shared your articles to anyone I know who’s interested in the miles games. However, this is the first time I posted a reply.
I’d like to report that GrabPay top-up no longer earns any points on Citibank Rewards MasterCard, not even for add-hoc transactions (for my last transaction on 23 Dec 2019).
Someone on the HWZ thread (https://forums.hardwarezone.com.sg/credit-cards-line-credit-facilities-243/citibank-citi-rewards-card-2959779-287.html) mentioned it was due to a recent change of GrabPay top-up MCC using MasterCard.
thanks, i need to update this. sad, but CRV still lives (for now)