💳 The MileLion’s Credit Card Guide (Last update: 16 July 2026)

Contents Page

Local General Spending Foreign Currency Spending Air Tickets Amaze Atome CardUp Car Rental Charitable Donations Dining Education EV charging Food Delivery Grab/gojek/Ryde/TADA Government Services Groceries Hotels Hospitals Insurance Kris+ Online Transactions Paywave/Mobile Petrol Pharmacies Public Transportation Shopping Telcos Utilities

S. Month= Statement Month | C. Month = Calendar Month | M. Year= Membership Year

How can I find the MCC?

The most crucial piece of information you need to decide what card to use is the Merchant Category Code, or MCC. 

Here’s three ways of looking up an MCC before making a purchase:

Method	Ease of Use	Reliability
❓HeyMax	●●●	●
📱 Instarem app	●●	●●
🤖 DBS digibot	●	●●●
Note: “Ease of use” and “reliability” are all relative. HeyMax already provides a solid baseline for reliability, and the DBS digibot is still simple enough to use, despite requiring more steps than the other two methods.

Local General Spending

Card	Earn Rate	Remarks
Amaze + Citi Rewards Apply	4 mpd	1% admin fee (min. S$0.50) applies. Max S$1K per s. month, excludes travel and mobile wallet Review
StanChart Beyond Card Apply	Up to 2 mpd	Regular: 1.5 mpd PB & PP: 2 mpd Review
HSBC Premier Mastercard Apply	1.68 mpd	Review
Citi ULTIMA Card Apply	1.6 mpd	Review
DBS Insignia Card Apply	1.6 mpd	Review
DCS Imperium Card Apply	1.6 mpd	Review
UOB Reserve Card Apply	1.6 mpd	Review
OCBC VOYAGE Card (Premier, PPC, BOS) Apply	1.6 mpd	Review
DBS Vantage Card Apply	1.5 mpd	Review
BOC Elite Miles Card Apply	1.4 mpd	Review
UOB Visa Infinite Metal Card Apply	1.4 mpd	Review
UOB PRVI Miles AMEX Mastercard Visa	1.4 mpd	Review
StanChart Visa Infinite Apply	1.4 mpd	Min S$2K total spend per s. month, otherwise 1 mpd Review
DBS Altitude Card AMEX Visa	1.3 mpd	Review
Citi Prestige Card Apply	1.3 mpd	Up to 0.06/0.12 mpd  extra from relationship bonus Review
OCBC 90°N Card Mastercard Visa	1.3 mpd	Review
OCBC VOYAGE Card Apply	1.3 mpd	Review
OCBC Premier Visa Infinite Apply	1.28 mpd
AMEX HighFlyer Card Apply	1.2 mpd	Review
HSBC TravelOne Card Apply	1.2 mpd	Review
Maybank Visa Infinite Apply	1.2 mpd	Review
StanChart Journey Card Apply	1.2 mpd	Review
KrisFlyer UOB Credit Card Apply	1.2 mpd	Review
Citi PremierMiles Card Apply	1.2 mpd	Review
AMEX KrisFlyer Ascend Apply	1.2 mpd	Review
AMEX KrisFlyer Credit Card Apply	1.1 mpd	Review
HSBC Visa Infinite Apply	1 mpd	Step-up earn rates have been sunset Review
Chocolate Visa Card Apply	1 mpd	Max S$1K per c. month, 0.4 mpd after Review
AMEX Centurion	0.78 mpd	Review
AMEX Platinum Charge Apply	0.63 mpd	Review
AMEX Platinum Reserve Apply	0.57 mpd
AMEX Platinum Credit Card Apply	0.57 mpd	Review

Foreign Currency General Spending

👉 Main Article: Best Cards for Overseas Spending

Card	Earn Rate	Remarks
DCS Imperium Card Apply	4 mpd	Min. S$4K FCY spend per c. month Review
Amaze + Citi Rewards Apply	4 mpd	Max S$1K per s. month, excludes travel and mobile wallet Review
Maybank XL Rewards Card Apply	4 mpd	Min. S$500, max S$1K per c. month Review
UOB Visa Signature Apply	4 mpd	Min S$1K, max S$1.2K FCY spend per s. month Review
StanChart Beyond Card Apply	Up to 4 mpd	Regular: 3 mpd PB: 3.5 mpd PP: 4 mpd Review
Maybank Visa Infinite Apply	3.2 mpd	Min S$4K spend per c. month, otherwise 2 mpd Review
Maybank World Mastercard Apply	3.2 mpd	Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd Review
StanChart Visa Infinite Apply	3 mpd	Min S$2K overall spend per s. month, otherwise 1 mpd Review
StanChart Rewards+ Card Apply	2.9 mpd	Max S$2.2K foreign currency spending per m. year
BOC Elite Miles Card Apply	2.8 mpd	Review
Maybank Horizon Visa Signature Apply	2.8 mpd	Min S$800 spend per c. month, otherwise 1.2 mpd Review
HSBC Premier Mastercard Apply	2.76 mpd	Review
HSBC TravelOne Card Apply	2.4 mpd	Review
UOB PRVI Miles AMEX Mastercard Visa	2.4 mpd	3 mpd if in IDR, MYR, THB, VND Review
UOB Reserve Card Apply	2.4 mpd	Review
UOB Visa Infinite Metal Card Apply	2.4 mpd	Review
DBS Treasures AMEX	2.4 mpd
OCBC VOYAGE (Premier, PPC, BOS) Apply	2.3 mpd	Review
AMEX Centurion	2.3 mpd	Till 22 Feb 27, capped at S$50K for entire period. 0.78 mpd after the cap Review
OCBC Premier Visa Infinite Apply	2.24 mpd
AMEX Platinum Charge Apply	2.2 mpd	Till 22 Feb 27, capped at S$15K for entire period. 0.69 mpd after the cap Review
Citi PremierMiles Card Apply	2.2 mpd	Review
DBS Altitude Card AMEX Visa	2.2 mpd	Review
DBS Vantage Card Apply	2.2 mpd	Review
OCBC VOYAGE Card Apply	2.2 mpd	Review
OCBC 90°N Card Mastercard Visa	2.1 mpd	Review
Citi Prestige Card Apply	2 mpd	Up to 0.06/0.12 mpd  extra from relationship bonus Review
Citi ULTIMA Card Apply	2 mpd	Review
DBS Insignia Card Apply	2 mpd	Review
HSBC Visa Infinite Apply	2 mpd	Step-up earn rates have been sunset Review
StanChart Journey Card Apply	2 mpd	Review
Maybank Perks Card Apply	2 mpd	Min. S$500 spend per c. month Review
Chocolate Visa Card Apply	1 mpd	No FCY fees. Max S$1K per c. month, 0.4 mpd after Review
AMEX Platinum Reserve Apply	0.57 mpd
AMEX Platinum Credit Card Apply	0.57 mpd	Review

Air Tickets

👉 Main Article: Best Cards for Air Tickets

Card	Earn Rate	Remarks
DBS Woman’s World Card Apply	4 mpd	Max S$1K per c. month Review
HSBC Revolution Apply	4 mpd	Max S$1K per c. month Review
Maybank XL Rewards Card Apply	4 mpd	Min. S$500, max S$1K per c. month Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Max S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Travel must be chosen as bonus category Review
UOB PRVI Miles AMEX Mastercard Visa	3 mpd	For selected airline bookings on Expedia Review
KrisFlyer UOB Credit Card Apply	3 mpd	SIA & Scoot only Review
Maybank Horizon Visa Signature Apply	2.8 mpd	Min S$800 spend per c. month. Capped at S$10K per c. month Review
AMEX HighFlyer Card Apply	2 mpd	SIA & Scoot only Review
AMEX KrisFlyer Ascend Apply	2 mpd	SIA & Scoot only Review
AMEX KrisFlyer Credit Card Apply	2 mpd	SIA & Scoot only Review
AMEX Platinum Charge Apply	1.56 mpd	SIA & Scoot only Review

Amaze

	👉 Main Article: Best Cards for Amaze
Note: From 10 March 2025, all SGD-denominated transactions made with Amaze incur a 1% domestic fee (min. S$0.50).

Card	Earn Rate	Remarks
Citi Rewards Card Apply	4 mpd1	Max S$1K per s. month Review
Maybank XL Rewards Card Apply	4 mpd2	Min. S$500, max S$1K per c. month Review
OCBC Rewards Card Apply	4 mpd3	Max S$1.1K per c. month Review
1. All transactions except travel (Airlines, hotels, rental cars, tour agencies, cruises etc.) (T&Cs) 2. Dining, shopping, entertainment, travel (T&Cs) 3. Clothes, bags, shoes and shopping (T&Cs)

Atome

👉 Main Article: Best Cards for Atome

Card	Earn Rate	Remarks
Citi Rewards Card Apply	4 mpd	Max S$1K per s. month Review
DBS Woman’s World Card Apply	4 mpd	Max S$1K per c. month  Review
HSBC Revolution Apply	4 mpd	Max S$1K per c. month Review
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min. S$1K spend on SIA Group in a m. year. No cap Review

CardUp

What’s the best card to use for CardUp?

Car Rental

👉 Main Article: Best Cards for Car Rental

Card	Earn Rate	Remarks
DBS Woman’s World Card Apply	4 mpd Online only	Max S$1K per c. month Review
HSBC Revolution Apply	4 mpd	Max S$1K per c. month. MCC 7512 not included Review
Maybank XL Rewards Card Apply	4 mpd FCY only	Min. spend S$500 per c. month, capped at S$1K per c. month Review
UOB Preferred  Visa Apply	4 mpd	Max. S$600 per c. month. Must pay via mobile contactless Review
UOB Visa Signature Apply	4 mpd FCY only	Min S$1K, max S$1.2K FCY spend per s. month Review
StanChart Beyond Card Apply	3-4 mpd FCY only	3 mpd for regular, 3.5 mpd for PB, 4 mpd for PP. No cap Review
Maybank Visa Infinite Apply	3.2 mpd FCY only	Min. S$4K spend per c. month Review
Maybank World Mastercard Apply	3.2 mpd FCY only	Min. S$4K spend per c. month. 2.8 mpd with min. S$800 spend per c. month Review
StanChart Visa Infinite Apply	3 mpd FCY only	Min S$2K per s. month, no cap, otherwise 1 mpd Review
BOC Elite Miles Card Apply	2.8 mpd FCY only	No min. spend or cap Review
Maybank Horizon Visa Signature Apply	2.8 mpd FCY only	Min. retail spend of S$800 per c. month. No cap Review

Charitable Donations

👉 Main Article: Best Cards for Charity

Card	Earn Rate	Remarks
Chocolate Visa Card Apply	1 mpd	Card will not work for overseas charities. Max S$1K per c. month, 0.4 mpd after Review
AMEX Centurion	0.78 mpd	Review
AMEX Platinum Charge Apply	0.63 mpd	Review

Dining

👉 Main Article: Best Cards for Dining

Card	Earn Rate	Remarks
StanChart Smart Card Apply	9.28 mpd	Min S$1.5K spend per s. month. 7.42 mpd with min. S$800 spend, 3.71 mpd otherwise. Selected fast food only Review
StanChart Beyond Card Apply	8 mpd	Priority Private only, for overseas dining Review
HSBC Revolution Apply	4 mpd	Max S$1K per c. month Review
Maybank XL Rewards Card Apply	4 mpd	Min. S$500, max S$1K per c. month Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Dining must be chosen as bonus category Review
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min S$1K spend on SIA Group transactions in a m. year Review

Education

👉 Main Article: Best Cards for Education

Card	Earn Rate	Remarks
UOB Reserve Card	1.6 mpd	Review
UOB Visa Infinite Metal Card Apply	1.4 mpd	Review
UOB Privilege Banking Card Apply	1.2 mpd
Maybank Visa Infinite Apply	1.2 mpd	Review
Chocolate Visa Card Apply	1 mpd	Max S$1K per c. month, 0.4 mpd after Review
Maybank Manchester United Card Apply	0.4 mpd
Maybank World Mastercard Apply	0.4 mpd	Review
Maybank XL Rewards Card Apply	0.4 mpd	Review
Maybank Horizon Visa Signature Apply	0.16 mpd	Capped at 480 miles per month, shared with all other Selected Categories Review

EV Charging

	👉 Main Article: Best Cards for EV Charging
Note: This assumes your EV charging codes as MCC 5552. In practice, there could be other MCCs; refer to the post above for the range of possibilities.

Card	Earn Rate	Remarks
DBS yuu Visa Apply	10 mpd	For Charge+ only. Min. S$800 max S$822 per c. month. Visa card only Review
StanChart Smart Card Apply	Up to 9.28 mpd	Min. S$1.5K per s. month, no cap Review
Citi Rewards Card Apply	4 mpd Online only	Cap S$1K per s. month Review
DBS Woman’s World Card Apply	4 mpd  Online only	Cap S$1K per c. month Review

Food Delivery

👉 Main Article: Best Cards for Food Delivery

Card	Earn Rate	Remarks
DBS yuu Card AMEX Visa	10 mpd	For Foodpanda only. Min. S$800, max S$822 per c. month Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Dining must be chosen as bonus category Review
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month Review
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month Review
Maybank XL Rewards Card Apply	4 mpd	Min. S$500, max S$1K per c. month Review
UOB Preferred Visa Apply	4 mpd	Cap S$600 per c. month Review
StanChart Journey Card Apply	3 mpd	Cap S$1K per s. month, must be online in SGD Review
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min S$1K spend on SIA Group transactions in a m. year Review

Grab, Gojek, TADA, other ride hailing

Card	Earn Rate	Remarks
DBS yuu Card AMEX Visa	10 mpd	For Gojek. Min. S$800 max S$822 per c. month Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Transport must be chosen as bonus category Review
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month Review
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month Review
HSBC Revolution Apply	4 mpd	Max S$1K per c. month Review
StanChart Journey Card Apply	3 mpd	Cap S$1K per s. month, must be online in SGD Review
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min. S$1K spend on SIA Group transactions in a m. year Review

Government services

👉 Main Article: Best Cards for Government Services

Card	Earn Rate	Remarks
AMEX Solitaire PPS Credit Card Apply	1.3 mpd	Review
AMEX PPS Credit Card Apply	1.3 mpd	Review
AMEX HighFlyer Card Apply	1.2 mpd	Review
AMEX KrisFlyer Ascend Apply	1.2 mpd	Review
AMEX KrisFlyer Credit Card Apply	1.1 mpd	Review
Chocolate Visa Card Apply	1 mpd	Max 100 Max Miles per c. month (cap shared with all other bill payments) Review
AMEX Centurion Apply	0.98 mpd	Review
AMEX Platinum Charge Apply	0.78 mpd	Review
AMEX Platinum Reserve Apply	0.69 mpd
AMEX Platinum Credit Card Apply	0.69 mpd	Review

Groceries/Supermarket

👉 Main Article: Best Cards for Groceries

Card	Earn Rate	Remarks
DBS yuu Card AMEX Visa	10 mpd	For Cold Storage and Giant. Min. S$800 , max S$822 per c. month Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Family must be chosen as your bonus category Review
StanChart Journey Card Apply	3 mpd	Cap S$1K per s. month, must be online in SGD Review

Hospitals

👉 Main Article: Best Cards for Hospitals & Medical

Card	Earn Rate	Remarks
Citi ULTIMA Card Apply	1.6 mpd	Review
AMEX Solitaire PPS Credit Card Apply	1.3 mpd	Excludes public hospitals Review
AMEX PPS Credit Card Apply	1.3 mpd	Excludes public hospitals Review
OCBC VOYAGE Card Apply	1.3 mpd	Excludes public hospitals Review
OCBC Premier Visa Infinite Apply	1.28 mpd	Excludes public hospitals
Maybank Visa Infinite Apply	1.2 mpd	Review
AMEX HighFlyer Card Apply	1.2 mpd	Excludes public hospitals Review
AMEX KrisFlyer Ascend Apply	1.2 mpd	Excludes public hospitals Review
AMEX KrisFlyer Credit Card Apply	1.1 mpd	Excludes public hospitals Review
Chocolate Visa Card Apply	1 mpd	Max 100 Max Miles per c. month (cap shared with all other bill payments) Review
AMEX Centurion	0.78 mpd	Excludes public hospitals Review
AMEX Platinum Charge Apply	0.63 mpd	Excludes public hospitals Review
AMEX Platinum Reserve Apply	0.57 mpd	Excludes public hospitals
AMEX Platinum Credit Card Apply	0.57 mpd	Excludes public hospitals Review
Maybank World Mastercard Apply	0.4 mpd	Review
Maybank XL Rewards Card Apply	0.4 mpd	Review

Hotels

👉 Main Article: Best Cards for Hotels

Card	Earn Rate	Remarks
Citi PremierMiles Card Apply	10 mpd on Kaligo, 7.2 mpd on Agoda	Refer to T&Cs for exclusions Review
UOB PRVI Miles AMEX Mastercard Visa	8 mpd on Agoda and Expedia	Review
HSBC Revolution Apply	4 mpd	Max S$1K per c. month Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Cap S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Travel must be chosen as bonus category Review
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month. Must be online Review
Maybank XL Rewards Card Apply	4 mpd	Min. S$500, max S$1K per c. month Review
KrisFlyer UOB Credit Card Apply	2.4 mpd	Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com (with min S$1K spend on SIA Group in a m. year) Review

Insurance Premiums

👉 Main Article: Best Cards for Insurance Premiums

Card	Earn Rate	Remarks
Maybank Visa Infinite Apply	1.2 mpd	Capped at S$3K per c. month Review
AMEX KrisFlyer Ascend Apply	1.2 mpd	Chubb only Review
AMEX KrisFlyer Credit Card Apply	1.1 mpd	Chubb only Review
Chocolate Visa Card Apply	1 mpd	Max 100 Max Miles per c. month (cap shared with all other bill payments) Review
Maybank Horizon Visa Signature Apply	0.16 mpd	Capped at 480 miles per month, shared with all other Selected Categories Review

Kris+

👉 Main Article: Best Cards for Kris+

Card	Earn Rate	Remarks
DBS Woman’s World Card Apply	4 mpd	Max. S$1K per c. month Review
Amaze + Citi Rewards Apply	4 mpd	1% admin fee (min. S$0.50) applies for SGD spend. Max. S$1K per s. month. No bonuses for naked Citi Rewards Card Review
KrisFlyer UOB Credit Card Apply	3 mpd	No cap Review

Online Transactions

Card	Earn Rate	Remarks
OCBC Rewards Card Apply	6 mpd	For Shopee, Lazada, TikTok Shop, Taobao, cap S$1K per c. month until 31 Mar 27. Other online shopping earns 4 mpd, cap S$1.1K per c. month Review
Citi Rewards Card Apply	4 mpd	Cap S$1K per s. month, excludes travel Review
DBS Woman’s World Card Apply	4 mpd	Cap S$1K per c. month Review
HSBC Revolution Apply	4 mpd	For online shopping and travel, cap S$1K per c. month Review
UOB Preferred  Visa Apply	4 mpd	For online shopping and entertainment, cap S$600 per c. month Review
KrisFlyer UOB Credit Card Apply	2.4 mpd	For online shopping and travel, with min S$1K spend on SIA Group in a m. year Review

PayWave or Mobile Payments

Card	Earn Rate	Remarks
UOB Preferred  Visa Apply	4 mpd	Max S$600 per c. month. Must use mobile payments; no points for paying with physical card Review
UOB Visa Signature Apply	4 mpd	Min S$1K, max S$1.2K per s. month Review

Petrol

👉 Main Article: Best Cards for Petrol

Card	Earn Rate	Remarks
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Transport must be chosen as your bonus category Review
UOB Visa Signature Apply	4 mpd	Min. S$1K, max S$1.2K combined spending on petrol and local contactless spend per s. month Review
Maybank World Mastercard Apply	4 mpd	No cap. Offline only Review

Pharmacies

👉 Main Article: Best Cards for Pharmacies

Card	Earn Rate	Remarks
DBS yuu Card AMEX Visa	10 mpd	For Guardian. Min. S$800 max S$822 per c. month Review
OCBC Rewards Card Apply	4 mpd	6 mpd for Watsons. Capped at S$1.1K per c. month Review
HSBC Revolution Apply	4 mpd	Cap S$1K per c. month Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Beauty & Wellness must be chosen as your bonus category Review
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min S$1K spend on SIA Group transactions in a m. year. Must be online Review

Public Transportation (SimplyGo)

👉 Main Article: Best Cards for Public Transport

Card	Earn Rate	Remarks
DBS yuu Card AMEX Visa	10 mpd	Min. S$800, max S$822 per c. month Review
StanChart Smart Card Apply	9.28 mpd	Min S$1.5K spend per s. month. 7.42 mpd with min. S$800 spend, 3.71 mpd otherwise Review
UOB Preferred  Visa Apply	4 mpd	Cap S$600 per c. month. Must use mobile contactless Review
UOB Visa Signature Apply	4 mpd	Min S$1K, max S$1.2K per s. month. Must use contactless Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd	Capped at S$1K per c. month for Lady’s Card and S$750 per c. month for Lady’s Solitaire. Transport must be chosen as your bonus category Review
KrisFlyer UOB Credit Card Apply	2.4 mpd	Min S$1K spend on SIA Group transactions in a m. year Review

Shopping

👉 Main Article: Best Cards for Shopping

Card	Earn Rate No. of MCCs	Remarks
HSBC Revolution Apply	4 mpd 38 MCCs	Max S$1K per c. month Review
UOB Preferred  Visa Apply	4 mpd (Online) 36 MCCs	Max S$600 per c. month Review
Maybank XL Rewards Card Apply	4 mpd 13 MCCs	Min. S$500, max S$1K per c. month Review
OCBC Rewards Apply	4 mpd^ 13 MCCs	Max S$1.1K per c. month Review
Citi Rewards Card Apply	4 mpd (Offline) 11 MCCs	Max S$1K per s. month Review
UOB Lady’s Card & Lady’s Solitaire Apply	4 mpd 10 MCCs	Max S$750 (Lady’s Solitaire) or S$1K (Lady’s) with Fashion as bonus category Review
KrisFlyer UOB Credit Card Apply	2.4 mpd (Online) 29 MCCs	No cap. Min. S$1K spend on SIA Group in a m. year Review
6 mpd for Watsons, Shopee, Lazada, TikTok Shop and Taobao till 31 Mar 2027

Telco Bills (Singtel, Starhub, M1 etc)

Card	Earn Rate	Remarks
DBS yuu Card AMEX Visa	10 mpd	For Singtel (must pay at kiosk). Min. S$800, max S$822 per c. month Review
DBS Woman’s World Card Apply	4 mpd	Capped at S$1K per c. month, for bills paid via app. No points if set up as recurring credit card payment Review
Citi Rewards Card Apply	4 mpd	Capped at S$1K per s. month, must be paid online or via app. No points if set up as recurring credit card payment Review

Utilities

👉 Main Article: Best Cards for Utilities

Card	Earn Rate	Remarks
Chocolate Visa Card Apply	1 mpd	Max 100 Max Miles per c. month (cap shared with all other bill payments) Review