| Remember that this guide only shows you the optimum card within a category. Depending on your overall spending, it may make sense to stick to cards from only one bank as opposed to a best-of-breed strategy so as to avoid the problem of orphan points and multiple conversion fees. |
[Last updated: 9 Jun 2019]
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 (Premier & Private banking versions earn 1.6 mpd) |
| 1.2 mpd |
| 1.2 mpd | |
| 1.2 mpd |
| 1.1 mpd |
UOB PRVI Miles (All variants)
DBS Altitude (all variants)
Foreign Currency Spending
| 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 |
| 2.4 mpd (until 31 Dec 19, after which 2.3 mpd) |
| 2.25 mpd (2 mpd if first year or if previous year spending <$50K) |
| 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
| 7 mpd for selected airline bookings on Expedia and UOB Travel (China Eastern, China Southern, Finnair, Garuda, Hawaiian, Korean, Qatar, Shenzhen, Sichuan, Thai, Turkish, Xiamen, Air France, American, British Airways, ANA, Asiana, Cathay, Emirates, JAL, Etihad, Jet, Qantas, SWISS). List subject to change, refer to website for latest. Capped at $3K spend till 31 Aug 19. Details here |
| 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. This 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 |
| 4 mpd, limit $2K per month |
| 6 mpd on Expedia (until 31 Mar 2020), 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 |
| 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 Airlines, SilkAir and Scoot tickets purchased through website or Platinum concierge |
UOB Lady’s Card & UOB Lady’s Solitaire
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, 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 TAX199 to enjoy a 1.99% discounted rate on tax payments (use by 24 July 2019, Visa/Mastercard only), or SAVERENT19 to enjoy a 1.9% discounted rate on rental payments (for rental payments due by 31 Dec 2019, 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. This 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 |
| 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 |
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. This 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 |
| 4 mpd, limit $1K per 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 |
| 3 mpd on Grab only until 31 July 2019, limit $200 per month. Includes GrabPay top up. Discontinued for PRVI Miles AMEX |
Groceries
| 4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This 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 |
| If PayWave is accepted (NTUC/Sheng Siong), refer to PayWave section |
Hotels (online)
| 10 mpd on Kaligo, 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 |
| 10 mpd on Kaligo, 7 mpd on Agoda, 7 mpd on Expedia, 7 mpd on UOB Travel. Caps apply, full details here |
| 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. This 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. 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 |
OCBC VOYAGE | 1.2 mpd (except Great Eastern and NTUC Income) |
| 1.3 mpd for Chubb and Prudential (via Onebill) | |
| 1.2 mpd for Chubb and Prudential (via Onebill) |
| 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 |
| 4 mpd, limit $1K per month |
 OCBC Titanium Rewards | 4 mpd, limit $12K per membership year |
 UOB Preferred Platinum Visa | 4 mpd, 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 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. This 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 |
| 3 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. Note that SimplyGo Visa transactions post daily, so you won’t earn any points on UOB PRVI Miles Visa unless you spend >$5 a day | |
| 1.4 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd) |
| 1 mpd (1.25 mpd if previous year spending >$50K) |
| 1.2 mpd (Premier & Private banking versions earn 1.6 mpd) |
| 1.2 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 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. This 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 |
| 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
| This section needs your help! Please contribute additional data points for other telcos in the comments below |
| 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 month, must be paid online or via app . No points if set up as recurring credit card payment. |
| 1.2 mpd for M1 bills (details here) |
| 1.3 mpd for Singtel, M1, Starhub (via Onebill) |
| 1.2 mpd for Singtel, M1, Starhub (via Onebill) |
Utilities
| This section needs your help! Please contribute additional data points for other telcos in the comments below |
| 2.0 mpd for online utilities payments |
| 1.4 mpd on Keppel Electric and SP |
| 1.2 mpd for SP Utilities, Keppel Electric, iSwitch (details here) |
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?