HomeWhat card do I use for...

What card do I use for...

Contents Page
Local General Spending
Foreign Currency Spending
Air Tickets
CardUp
Charitable Donations
Dining
Education
Food Delivery
Grab/gojek/Ryde/TADA
Groceries
Hotels
Insurance
Online transactions
Paywave
Petrol
Public Transportation
Shopping (offline)
Telcos
Utilities

[Last updated: 21 March 2021]

Need to know the MCC of a particular merchant? Look it up using the Visa Supplier Locator

Local General Spending

Citi ULTIMA

1.6 mpd

DBS Insignia

1.6 mpd

UOB Reserve

1.6 mpd

OCBC VOYAGE
(Premier, Premier Private Client, BOS)

1.6 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 statement month, otherwise 1 mpd)

Citi Prestige

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

OCBC VOYAGE

1.3 mpd

OCBC Premier Banking Visa Infinite

1.28 mpd

HSBC Visa Infinite

1.25 mpd
(1 mpd if first year or if previous year’s spending

Maybank Visa Infinite

1.2 mpd

OCBC 90°N Card

1.2 mpd

SCB X Card

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 World Mastercard

1 mpd

Foreign Currency Spending

Note: I strongly advise you to consider getting an Amaze Card and pairing it with a Citi Rewards Mastercard or DBS Woman’s World Card for overseas spending. You’ll earn 4 mpd and save a whole chunk on FCY fees. 

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+

4 mpd (only if you hold a Visa Infinite/X Card)
or 2.9 mpd 
(capped at S$2,222 of foreign currency spending per membership year)

UOB PRVI Miles AMEX | Mastercard | Visa

2.4 mpd

DBS Treasures AMEX

2.4 mpd

HSBC Visa Infinite

2.25 mpd
(2 mpd if first year or if previous year’s spending

OCBC Premier Banking Visa Infinite

2.24 mpd


OCBC VOYAGE
(Premier, Premier Private Client, BOS)

2.3 mpd

OCBC VOYAGE

2.2 mpd

OCBC 90°N Card

2.1 mpd

Maybank Visa Infinite

2 mpd

SCB X Card

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 for non-Citigold/Citigold customers)

BOC Elite Miles World Mastercard

2 mpd
Maybank Horizon Visa Signature 2 mpd
(min S$300 total card spending in a month)

Air Tickets

UOB PRVI Miles AMEX | Mastercard | Visa

6 mpd
(for selected airline bookings on Expedia and UOB Travel. Full Details here)

UOB Visa Signature

4 mpd
(min S$1K max S$2K foreign currency spending per statement month)

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd
(Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Travel must be chosen as your bonus category)

DBS Woman’s World Card

4 mpd
(limit S$2K per month)
HSBC Revolution 4 mpd
(limit S$1K per month)

DBS Altitude AMEX | Visa

3 mpd
(limit S$5K per month)

KrisFlyer UOB Credit Card

3 mpd
(On Singapore Air, SilkAir, Scoot)

AMEX KrisFlyer Ascend

2 mpd
(On Singapore Air)

AMEX KrisFlyer Credit Card

2 mpd
(On Singapore Air)
Maybank Horizon Visa Signature 2 mpd
(min S$300 total card spending in a month)

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. 

  • American Express® Singapore Airlines KrisFlyer Credit Card
  • American Express® Singapore Airlines KrisFlyer Ascend Credit Card
  • American Express® Singapore Airlines PPS Club Credit Card
  • American Express® Singapore Airlines Solitaire PPS Club Credit Card
  • Bank of China Elite Miles World Mastercard
  • Citi PremierMiles Visa Card
  • Citi PremierMiles American Express Card
  • Citi Prestige Card
  • Citi ULTIMA Card
  • DBS Altitude Visa Signature Card
  • DBS Altitude American Express Card
  • DBS Insignia Visa Infinite Card
  • DBS Treasures Black Elite American Express Card
  • OCBC Voyage Card
  • OCBC 90ºN Card
  • Standard Chartered Priority Banking Visa Infinite Credit Card
  • Standard Chartered Visa Infinite Credit Card
  • Standard Chartered Visa Infinite X Credit Card
  • UOB PRVI Miles Mastercard
  • UOB PRVI Miles Visa Card
  • UOB PRVI Miles American Express Card
  • UOB Reserve Card
  • UOB Visa Infinite Metal Card
  • KrisFlyer UOB Credit Card

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 SAVERENT179 to enjoy a 1.79% discounted rate on rental payments (for rental payments due by 30 Jun  20, max one payment a month, Visa/Mastercard only) 

 Charitable Donations

👉 Full article: What are the best cards for charitable donations?
Maybank Horizon Visa Signature 2 mpd
(min S$300 total card spending in a month- must be foreign currency)

Maybank Visa Infinite

1.2 mpd

AMEX KrisFlyer Ascend

1.2 mpd

AMEX KrisFlyer Credit Card

1.1 mpd

AMEX Platinum Cards

0.78 mpd for Platinum Charge, 0.69 mpd for others 

Dining

HSBC Revolution 4 mpd
(limit $1K per month. Must use contactless)

UOB Lady’s Card & UOB Lady’s Solitaire

4 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 your bonus category at the start of each quarter)

Maybank World Mastercard

4 mpd
(at selected Paradise Group, Imperial Treasure, RWS and Les Amis restaurants)
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$500 spend on SIA-related transactions in a membership year. Bonus miles credited 2 months after the card anniversary)

Education/tuition fee payments

👉 Full article: What’s the best card for education expenses?

Maybank Visa Infinite

1.2 mpd

AMEX KrisFlyer Ascend

1.2 mpd

AMEX KrisFlyer Credit Card

1.1 mpd

Food Delivery

DBS Woman’s World Card

4 mpd
(limit S$2K per month)
Citi PremierMiles 4 mpd
(until 31 Aug 2021)
Citi Prestige 4 mpd
(Until 31 Aug 2021)
Citi Rewards 4 mpd
(limit S$1K per statement month)
UOB Pref. Plat Visa 4 mpd
(limit S$1.1K per month)
UOB Lady’s Card 4 mpd
(limit S$1K per month, must declare dining as 10X category)
UOB Lady’s Solitaire 4 mpd
(limit S$3K per month, must declare dining as 10X category)
HSBC Revolution 4 mpd
(limit S$1K per month)
KrisFlyer UOB Credit Card 3 mpd
(min. S$500 spend on SIA Group in a year)

Grab/ gojek/ Ryde/ TADA (rides only)

DBS Woman’s World Card

4 mpd
(limit S$2K per month)

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd
(capped at S$1K per month for Lady’s Card Sand $3K per month for Lady’s Solitaire. Transport category must be chosen as your bonus category at the start of each quarter)

Citi Rewards

4 mpd
(limit S$1K per statement month)
HSBC Revolution 4 mpd
(limit $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)

AMEX KrisFlyer Credit Card

3.1 mpd
(capped at S$200/month)
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)

Groceries/Supermarket

UOB Lady’s Card & UOB Lady’s Solitaire

4 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. Does not apply at Cold Storage, Giant, Jasons, Market Place)
HSBC Revolution 4 mpd
(limit S$1K per month, must be online or contactless payment)

POSB PAssion Debit Card

2.6 mpd
(min S$400 spend on anything in a month. Capped at S$1,250 of grocery expenditure. Only at Cold Storage, Giant, Jasons and Market Place)
If PayWave is accepted (NTUC/Sheng Siong), refer to PayWave section

Hotels (online)

Citi PremierMiles 

10 mpd on Kaligo, 7 mpd on Agoda

DBS Altitude (all variants)

10 mpd on Kaligo, 6 mpd on Expedia, 3 mpd for other hotels, limit S$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)

6 mpd on Agoda, 6 mpd on Expedia, 6 mpd on UOB Travel

DBS Woman’s World Card

4 mpd, limit S$2K per month. Only works if your reservation is fully prepaid online.

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at S$1K per month for Lady’s Card and S$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. 
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 for Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOBTravel.com (with min S$500 spend on SIA-related transactions in a year). Bonus miles credited 2 months after the card anniversary 

Insurance Premiums

👉 Full article: What are the best cards for insurance premiums?

Maybank Visa Infinite

1.2 mpd

AMEX KrisFlyer Ascend

1.2 mpd (only for Chubb)

AMEX KrisFlyer Credit Card

1.1 mpd (only for Chubb)
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 S$2K per month)

Citi Rewards

4 mpd
(except travel, limit S$1K per statement month. Do note the issues with the Citi Rewards Mastercard)
OCBC Titanium Rewards 4 mpd
(on online shopping, limit S$12K per membership year)
UOB Preferred Platinum Visa 4 mpd
(on online shopping and entertainment, limit S$1.1K per month)
HSBC Revolution 4 mpd
(on online shopping and travel, limit S$1K per month)
KrisFlyer UOB Credit Card 3 mpd
(min S$500 spend on SIA-related transactions in a membership year. Bonus miles credited 2 months after the card anniversary)
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 S$1.1K per month. Also works for Google, Apple, Fitbit, Samsung Pay. Applies to both local and overseas transactions. No points for paying with physical card

UOB Visa Signature

4 mpd, except at places which award SMART$. Subject to min S$1K max S$2K combined spending on petrol and PayWave per statement cycle. Only local PayWave transactions eligible. 

Petrol

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

UOB Visa Signature

4 mpd
(except at Shell, SPC. Subject to min S$1K max S$2K combined spending on petrol and PayWave per statement month)

Maybank World Mastercard

4 mpd

Maybank Horizon Visa Signature

3.2 mpd
(min S$300 total card spending in a month)

Public Transportation (SimplyGo)

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

UOB Lady’s Card & UOB Lady’s Solitaire

4 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)

Maybank Horizon Visa Signature

3.2 mpd
(min S$300 spend on anything in a month)
KrisFlyer UOB Credit Card 3 mpd
(min S$500 spend on SIA-related transactions in a membership year. Bonus miles credited 2 months after the card anniversary)

SCB Visa Infinite

1.4 mpd
(min S$2K overall spend per statement month, otherwise 1 mpd)
UOB Visa Infinite Metal Card 1.4 mpd

HSBC Visa Infinite

1.25 mpd
(1 mpd if first year or if previous year’s spending

DBS Altitude (Visa only)

1.2 mpd
Maybank Visa Infinite 1.2 mpd
SCB X Card 1.2 mpd

Shopping (offline)

AMEX Platinum Charge

7.8 mpd on the first S$16K spent per year at Platinum EXTRA merchants 
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$12K per membership year)

UOB Lady’s Card & UOB Lady’s Solitaire

4 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)

Maybank World Mastercard

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

DBS Treasures AMEX

3.2 mpd with min S$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)

DBS Woman’s World Card

4 mpd
(capped at S$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

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 KrisFlyer Ascend

1.2 mpd

AMEX KrisFlyer Credit Card

1.1 mpd

Utilities

👉 Full article: What are the best cards to use for electricity bills & utilities?
UOB PRVI Miles (all versions) 1.4 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)

SCB X Card

1.2 mpd
KrisFlyer UOB Credit Card 1.2  mpd

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