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What card do I use for...

💳 The MileLion’s Credit Card Guide
(Last update: 12 April 2024)
Contents Page
All months refer to calendar month and all years refer to calendar year unless statement month or membership year is explicitly mentioned

How can I find the MCC?

Categorisation all boils down to MCC. Here’s three ways of looking up an MCC before making a purchase:

MethodEase of UseReliability
HeyMax●●●
📱 Instarem app●●●●
🤖 DBS digibot
●●●

Local General Spending

CardEarn RateRemarks
Amaze + Citi Rewards4 mpdMax S$1K per s. month, excludes Travel and Mobile Wallet
AMEX HighFlyer Card1.8 mpd 
Citi ULTIMA1.6 mpd 
DBS Insignia1.6 mpd 
UOB Reserve1.6 mpd 
OCBC VOYAGE
(Premier, PPC, BOS)
1.6 mpd 
DBS Vantage1.5 mpd 
UOB Visa Infinite Metal Card1.4 mpd 
UOB PRVI Miles
(AMEX | Mastercard | Visa)
1.4 mpd 
SCB Visa Infinite1.4 mpd
Min S$2K total spend per s. month, otherwise 1 mpd
DBS Altitude
(AMEX | Visa)
1.3 mpd 
Citi Prestige1.3 mpd
Up to 0.06/0.12 mpd relationship bonus
OCBC 90°N Cards1.3 mpd 
OCBC VOYAGE1.3 mpd 
OCBC Premier Visa Infinite1.28 mpd 
HSBC Visa Infinite1.25 mpd
1 mpd if first membership year or if previous membership year’s spending below S$50K
HSBC TravelOne1.2 mpd
 
Maybank Visa Infinite1.2 mpd 
SCB Journey1.2 mpd 
KrisFlyer UOB Credit Card 1.2 mpd 
Citi PremierMiles1.2 mpd 
AMEX KrisFlyer Ascend1.2 mpd 
AMEX KrisFlyer Credit Card1.1 mpd 
BOC Elite Miles Card1 mpd 

Foreign Currency Spending

CardEarn RateRemarks
👉 Full article: What’s the best card to use for overseas spending?
Amaze + Citi Rewards4 mpdMax S$1K per s. month, excludes Travel and Mobile Wallet
UOB Visa Signature4 mpd
Min S$1K max S$2K foreign currency spend per statement month
SCB Visa Infinite3 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
Maybank Horizon Visa Signature2.8 mpd
(limited time upsize to 3.2 mpd)
Min S$800 spend per month
HSBC TravelOne2.4 mpd
 
UOB PRVI Miles
(AMEX | Mastercard | Visa)
2.4 mpd
 
UOB Reserve2.4 mpd 
UOB Visa Infinite Metal Card2.4 mpd 
DBS Treasures AMEX2.4 mpd 
OCBC VOYAGE
(Premier, PPC, BOS)
2.3 mpd
 
HSBC Visa Infinite2.25 mpd2 mpd if first membership year or if previous membership year’s spending below S$50K
OCBC Premier Visa Infinite2.24 mpd 
DBS Altitude
(AMEX | Visa)
2.2 mpd 
DBS Vantage
2.2 mpd 
OCBC VOYAGE2.2 mpd
 
OCBC 90°N Cards2.1 mpd 
Citi ULTIMA2 mpd 
DBS Insignia2 mpd 
Maybank Visa Infinite2 mpd 
SCB Journey2 mpd 
Citi PremierMiles2 mpd 
Citi Prestige2 mpd
Up to 0.06/0.12 mpd relationship bonus
BOC Elite Miles Card2 mpd
 

Air Tickets

CardEarn RateRemarks
👉 Full article: What’s the best card to use for air tickets?

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

4 mpd
Max S$1K per month for Lady’s Card and S$2K 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 Card4 mpdMax S$1.5K per month
HSBC Revolution4 mpd
Max S$1K per month
KrisFlyer UOB Credit Card3 mpdSIA & Scoot only
Maybank Horizon Visa Signature2.8 mpd
(limited time upsize to 3.2 mpd)
Min S$800 spend per month. Capped at S$10K
AMEX KrisFlyer Ascend2 mpdSIA only
AMEX KrisFlyer Credit Card2 mpdSIA only

Amaze

CardEarn RateCap
👉 Full article: What’s the best card to use with Amaze?
UOB Lady’s Card4 mpd1S$1K per c. month
UOB Lady’s Solitaire4 mpd2S$2K per c. month
Citi Rewards Card4 mpd3S$1K per s. month
OCBC Rewards4 mpd4S$1.1K per c. month
KrisFlyer UOB Credit Card3 mpd5None
UOB PRVI Miles MC1.4 mpdNone
Citi Prestige1.3 mpdNone
OCBC 90°N MC1.3 mpdNone
Citi PremierMiles Card1.2 mpdNone
HSBC TravelOne Card1.2 mpdNone
1. Pick 1: Beauty & wellness, dining, entertainment, family, fashion, transport, travel (T&Cs)
2. Pick 2: Beauty & wellness, dining, entertainment, family, fashion, transport, travel (T&Cs)
3. All transactions except travel (airlines, hotels, rental cars, tour agency, cruises etc.) (T&Cs)
4. Electronics, clothes, bags, shoes and shopping (T&Cs)
5. Dining, shopping, travel, transport. Must spend at least S$800 on SIA Group transactions in a membership year (T&Cs)

CardUp

What’s the best card to use for CardUp?

Charitable Donations

CardEarn RateRemarks
👉 Full article: What are the best cards for charitable donations?
Maybank Horizon Visa SignatureSGD: 0.4 mpd
FCY: 2.8 or 3.2 mpd 

(limited time upsize)
Min S$800 spend per month
Maybank Visa InfiniteSGD: 1.2 mpd
FCY: 2 mpd
 
AMEX Platinum Charge0.78 mpd 

Dining

CardEarn RateRemarks

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd
Capped at S$1K per month for Lady’s Card and S$2K per month for Lady’s Solitaire. Dining must be chosen as bonus category
HSBC Revolution4 mpd
Limit S$1K per month. Must use contactless. Excludes fast food and misc. food stores from 1 May 24
KrisFlyer UOB Credit Card3 mpd
Min S$800 spend on SIA-related transactions in a membership year

Education

CardEarn RateRemarks
👉 Full article: What’s the best card for education expenses?
Maybank Horizon Visa SignatureSGD: 0.24 mpd
FCY: 2.8 mpd
(limited time upsize to 3.2 mpd)
Min S$800 spend per month
UOB Reserve CardSGD: 1.6 mpd
FCY: 2.4 mpd
 

UOB Visa Infinite Metal Card

SGD: 1.4 mpd
FCY: 2.4 mpd
 
UOB Privilege Banking CardSGD: 1.2 mpd
FCY: 2 mpd
 

Maybank Visa Infinite

SGD: 1.2 mpd
FCY: 2 mpd
 

Food Delivery

CardEarn RateRemarks
UOB Lady’s Card & UOB Lady’s Solitaire4 mpd
Cap S$1K per month for Lady’s Card and S$2K per month for Lady’s Solitaire. Dining must be chosen as bonus category
DBS Woman’s World Card4 mpdCap S$1.5K per month
Citi Rewards4 mpd
Cap S$1K per statement month
UOB Pref. Plat Visa4 mpd

Cap S$1.1K per month
HSBC Revolution4 mpd
Cap S$1K per month. Unlikely to earn from 1 May 24
KrisFlyer UOB Credit Card3 mpd
Min S$800 spend on SIA-related transactions in a membership year
SCB Journey3 mpdLimit S$1K per s. month, must be online in SGD

Grab/gojek/TADA/other ride hailing

CardEarn RateRemarks
UOB Lady’s Card & UOB Lady’s Solitaire4 mpd
Cap S$1K per month for Lady’s Card and S$2K per month for Lady’s Solitaire. Transport must be chosen as bonus category

DBS Woman’s World Card

4 mpd
Cap S$1.5K per month
Citi Rewards4 mpd
Cap S$1K per statement month
HSBC Revolution4 mpd
Limit S$1K per month
AMEX KrisFlyer Ascend3.2 mpdCapped at S$200/month, Grab only
AMEX KrisFlyer Credit Card3.1 mpdCapped at S$200/month, Grab only
KrisFlyer UOB Credit Card3 mpd
Min S$800 spend on SIA-related transactions in a membership year
SCB Journey3 mpdLimit S$1K per s. month, must be online in SGD.

Groceries/Supermarket

CardEarn RateRemarks
👉 Full article: What’s the best card for groceries?

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpdCapped at S$1K per month for Lady’s Card and S$2K per month for Lady’s Solitaire. Family must be chosen as your bonus category
HSBC Revolution4 mpdLimit S$1K per month, must be online or contactless payment
SCB Journey3 mpdLimit S$1K per s. month, must be online in SGD

Hospitals

CardEarn RateRemarks
👉 Full article: What are the best cards for medical expenses?
AMEX HighFlyer Card1.8 mpdExcludes public hospitals
UOB Reserve1.6 mpd 
Citi ULTIMA1.6 mpd 
UOB Visa Infinite Metal Card1.4 mpd 
SCB Visa Infinite1.4 mpdMin S$2K overall spend per statement month, otherwise 1 mpd
AMEX Solitaire PPS Credit Card1.3 mpdExcludes public hospitals
AMEX PPS Credit Card1.3 mpdExcludes public hospitals
OCBC VOYAGE 1.3 mpdExcludes public hospitals
OCBC Premier Visa Infinite1.28 mpdExcludes public hospitals
HSBC Visa Infinite1.25 mpd1 mpd if first membership year or if previous membership year’s spending below S$50K
SCB Journey1.2 mpd 
Maybank Visa Infinite1.2 mpd 
AMEX KrisFlyer Ascend1.2 mpdExcludes public hospitals
AMEX KrisFlyer Credit Card1.1 mpdExcludes public hospitals
AMEX Centurion0.98 mpd
Excludes public hospitals
AMEX Platinum Charge0.78 mpd
Excludes public hospitals
AMEX Platinum Reserve0.69 mpdExcludes public hospitals
AMEX Platinum Credit Card0.69 mpdExcludes public hospitals
AMEX Rewards Card0.63 mpdExcludes public hospitals

Hotels

CardEarn RateRemarks
👉 Full article: What’s the best card for hotels?

Citi PremierMiles

10 mpd on Kaligo, 7 mpd on AgodaRefer to T&Cs for exclusions

UOB PRVI Miles
(AMEX | Mastercard | Visa)

8 mpd on Expedia, 6 mpd on Agoda & UOB TravelRefer to T&Cs for exclusions

DBS Altitude
(AMEX | Visa)

4.3 mpd on AgodaRefer to T&Cs for exclusions
UOB Lady’s Card & UOB Lady’s Solitaire4 mpd
Cap S$1K per month for Lady’s Card and S$2K per month for Lady’s Solitaire. Travel must be chosen as bonus category

DBS Woman’s World Card

4 mpdLimit S$1.5K per month. Reservation must be fully prepaid online.
HSBC Revolution4 mpd Exercise caution: MCC 7011 excluded! Limit S$1K per month. Must be online or use contactless payment

KrisFlyer UOB Credit Card

3 mpdAgoda, 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

CardEarn RateRemarks
👉 Full article: What’s the best card for insurance premiums?

Maybank Visa Infinite

1.2 mpd 

AMEX KrisFlyer Ascend

1.2 mpdChubb only

AMEX KrisFlyer Credit Card

1.1 mpd Chubb only

Kris+

CardEarn RateRemarks
👉 Full article (including other card options): What’s the best card for Kris+?
DBS Woman’s World Card
4 mpdMax. S$1.5K per c. month
Citi Rewards + Amaze
4 mpdMax. S$1K per s. month. Do not use Citi Rewards Card alone- no bonuses
KrisFlyer UOB Card
3 mpdNo cap

Online Transactions

CardEarn RateRemarks
DBS Woman’s World Card4 mpdCap S$1.5K per month
Citi Rewards4 mpd
Cap S$1K per statement month

OCBC Rewards

4 mpdFor online shopping, cap S$1.1K per c. month
UOB Preferred Platinum Visa4 mpdFor on online shopping and entertainment, limit S$1.1K per month
HSBC Revolution4 mpdFor online shopping and travel, limit S$1K per month
KrisFlyer UOB Credit Card3 mpdFor online shopping and travel, with min S$800 spend on SIA Group in a membership year

PayWave or Mobile Payments

CardEarn RateRemarks
UOB Preferred Platinum Visa4 mpdExcept 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 mpdExcept at places which award UOB$. Min S$1K, Max S$2K per statement month

Petrol

CardEarn RateRemarks
👉 Full article: What’s the best card for petrol?

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpdCapped at S$1K per month for Lady’s Card and S$2K per month for Lady’s Solitaire. Transport must be chosen as your bonus category

UOB Visa Signature

4 mpdMin. S$1K max S$2K combined spending on petrol and PayWave per statement month

Maybank World Mastercard

4 mpdNo cap

Public Transportation (SimplyGo)

CardEarn RateRemarks
👉 Full article: What’s the best card for public transportation?

SCB Smart Card

5.6 mpd
Capped at S$818 per statement month

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpdCapped at S$1K per month for Lady’s Card and S$2K per month for Lady’s Solitaire. Transport must be chosen as your bonus category
KrisFlyer UOB Credit Card3 mpdMin S$800 spend on SIA Group in a membership year

Shopping (offline)

CardEarn RateRemarks
AMEX Platinum Charge7.8 mpdOn the first S$16K spent per year at 10XCELERATOR merchants, 3.9 mpd afterwards

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpdCapped at S$1K per month for Lady’s Card and S$2K per month for Lady’s Solitaire. Fashion must be chosen as your bonus category
HSBC Revolution4 mpdLimit S$1K per month. Must use contactless.
Citi Rewards4 mpdLimit S$1K per statement month
OCBC Rewards 4 mpd Cap S$1.1K per c. month
AMEX Platinum Reserve
3.47 mpdFor 10Xcelerator merchants
AMEX Platinum Credit Card
3.47 mpd For 10Xcelerator merchants

Telco Bills (Singtel, Starhub, M1 etc)

CardEarn RateRemarks

DBS Woman’s World Card

4 mpdCapped at S$1.5K per month, for bills paid via app. No points if set up as recurring credit card payment
Citi Rewards4 mpdCapped 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 Card1.8 mpd 

AMEX KrisFlyer Ascend

1.2 mpd 

AMEX KrisFlyer Credit Card

1.1 mpd 

Utilities

CardEarn RateRemarks
👉 Full article: What’s the best card for electricity bills & utilities?
Maybank Manchester United Card2.0 mpd + 3% cashback
(on days where Man Utd win)
0.4 mpd + 1% cashback
(otherwise)
 
UOB Reserve
1.6 mpd 
SCB Visa Infinite1.4 mpdMin S$2K overall spend per statement month, otherwise 1 mpd
SCB Journey1.2 mpd 
Maybank Visa Infinite1.2 mpd 

 

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