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What card do I use for...

💳 The MileLion’s Credit Card Guide
Contents Page
[Last updated: 31 Jul 2022]
All months refer to calendar month and all years refer to calendar year unless statement month or membership year is explicitly mentioned

Local General Spending

CardEarn RateRemarks
AMEX HighFlyer Card1.8 mpdOnly for SME owners with an ACRA registration number
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 statement month, otherwise 1 mpd
Citi Prestige1.3 mpd
Up to 0.06/0.12 mpd relationship bonus
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
Maybank Visa Infinite1.2 mpd 
OCBC 90°N Mastercard1.2 mpd 
SCB X Card1.2 mpd 
DBS Altitude
(AMEX | Visa)
1.2 mpd 
KrisFlyer UOB Credit Card 1.2 mpd 
Citi PremierMiles1.2 mpd 
AMEX KrisFlyer Ascend1.2 mpd 
AMEX KrisFlyer Credit Card1.1 mpd 
OCBC 90°N Visa1 mpd 
BOC Elite Miles Card1 mpd 

Foreign Currency Spending

⚠️ Protip: Just use Amaze
My advice is to get an Amaze Card and pair it with a Citi Rewards Card for overseas spending. This awards 4 mpd, with no FCY fees (although there is a currency spread).
CardEarn RateRemarks
UOB Visa Signature4 mpd
Min S$1K max S$2K foreign currency spend per statement month
SCB Rewards+4 mpd
(if you hold a Visa Infinite or X Card)
2.9 mpd
(otherwise)
Max S$2.2K foreign currency spending per membership year
SCB Visa Infinite3 mpd
Min S$2K overall spend per statement month, otherwise 1 mpd
UOB PRVI Miles
(AMEX | Mastercard | Visa)
2.4 mpd
 
UOB Reserve2.4 mpd 
DBS Treasures AMEX2.4 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 
OCBC VOYAGE
(Premier, PPC, BOS)
2.3 mpd
 
DBS Vantage2.2 mpd 
OCBC VOYAGE2.2 mpd
 
OCBC 90°N Mastercard2.1 mpd 
Citi ULTIMA2 mpd 
DBS Insignia2 mpd 
Maybank Visa Infinite2 mpd 
SCB X Card2 mpd 
UOB Visa Infinite Metal Card2 mpd 
DBS Altitude
(AMEX | Visa)
2 mpd 
Citi PremierMiles2 mpd 
Citi Prestige2 mpd
Up to 0.06/0.12 mpd relationship bonus
OCBC 90°N Visa2 mpd 
BOC Elite Miles Card2 mpd
 
Maybank Horizon Visa Signature2 mpd
Min. S$300 total card spending in a month

Air Tickets

CardEarn RateRemarks

UOB PRVI Miles
(AMEX | Mastercard | Visa)

6 mpd
For selected airline bookings on Expedia and UOB Travel

UOB Visa Signature

4 mpd
(if FCY)
Min S$1K max S$2K foreign currency spend per statement month

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd
Max S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Travel must be chosen as bonus category
DBS Woman’s World Card4 mpdMax S$2K per month
HSBC Revolution4 mpd
Max S$1K per month
DBS Altitude
(AMEX | Visa)
3 mpdMax S$5K per month
KrisFlyer UOB Credit Card3 mpdSIA & Scoot only
AMEX KrisFlyer Ascend2 mpdSIA only
AMEX KrisFlyer Credit Card2 mpdSIA only
Maybank Horizon Visa Signature2 mpd
Min S$300 total card spending in a month

CardUp

❓ Which cards earn miles for CardUp?

CardUp keeps an up-to-date list of cards that earn rewards, 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 PremierMiles Mastercard
  • 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 time using CardUp, use the code MILELION to save S$30 off your first transaction with no minimum spend required. This allows you to earn free miles on a payment of up to S$1,154 (based on CardUp’s regular admin fee of 2.6%).

Charitable Donations

CardEarn RateRemarks
👉 Full article: What are the best cards for charitable donations?
Maybank Horizon Visa Signature0.4 mpd
2 mpd (if FC
Y)
Min S$300 total card spending in a month

Maybank Visa Infinite

1.2 mpd
2 mpd (if FCY)
 

AMEX KrisFlyer Ascend

1.2 mpd
2 mpd (if FCY)
FCY bonus in Jun/Dec only

AMEX KrisFlyer Credit Card

1.1 mpd
2 mpd (if FCY)
FCY bonus in Jun/Dec only
AMEX HighFlyer Card1.8 mpdOnly for SME owners with an ACRA registration number

AMEX Platinum Cards

0.78 mpd for Platinum Charge, 0.69 mpd for others  

Dining

CardEarn RateRemarks
DBS Vantage4 mpdLimit S$2K per month
HSBC Revolution4 mpd
Limit S$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 bonus category at the start of each quarter
Maybank Horizon Visa Signature3.2 mpd
Min S$300 total card spending in a month. Local dining only
KrisFlyer UOB Credit Card3 mpd
Min S$500 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 Signature0.4 mpd
2 mpd (if FC
Y)
Min S$300 total card spending in a month

Maybank Visa Infinite

1.2 mpd
2 mpd (if FCY)
 

AMEX KrisFlyer Ascend

1.2 mpd
2 mpd (if FCY)
FCY bonus in Jun/Dec only

AMEX KrisFlyer Credit Card

1.1 mpd
2 mpd (if FCY)
FCY bonus in Jun/Dec only

Food Delivery

CardEarn RateRemarks
DBS Woman’s World Card4 mpdCap S$2K per month
Citi Rewards4 mpd
Cap S$1K per statement month
UOB Pref. Plat Visa4 mpd

Cap S$1.1K per month
UOB Lady’s Card & UOB Lady’s Solitaire4 mpd
Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Dining must be chosen as bonus category at the start of each quarter
HSBC Revolution4 mpd
Limit S$1K per month
KrisFlyer UOB Credit Card3 mpd
Min S$500 spend on SIA-related transactions in a membership year

Grab/gojek/TADA/other ride hailing

CardEarn RateRemarks

DBS Woman’s World Card

4 mpd
Cap S$2K per month
Citi Rewards4 mpd
Cap S$1K per statement month
UOB Lady’s Card & UOB Lady’s Solitaire4 mpd
Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Transport must be chosen as bonus category at the start of each quarter
HSBC Revolution4 mpd
Limit S$1K per month
Maybank Horizon Visa Signature3.2 mpdOn Grab and taxis, min S$300 total card spending in a 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$500 spend on SIA-related transactions in a membership year

Groceries/Supermarket

CardEarn RateRemarks

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpdCapped 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 Revolution4 mpdLimit S$1K per month, must be online or contactless payment

Hospitals

CardEarn RateRemarks
👉 Full article: What are the best cards for hospitals?
AMEX HighFlyer Card1.8 mpdOnly for SME owners with an ACRA registration number
UOB Reserve1.6 mpdExcept MCC 9399
Citi ULTIMA1.6 mpdExcept MCC 9399
UOB Visa Infinite Metal Card1.4 mpdExcept MCC 9399
SCB Visa Infinite1.4 mpdMin S$2K overall spend per statement month, otherwise 1 mpd, except MCC 9399
Citi Prestige1.3 mpdExcept MCC 9399
AMEX Solitaire PPS Credit Card1.3 mpd 
AMEX PPS Credit Card1.3 mpd 
HSBC Visa Infinite1.25 mpd1 mpd if first membership year or if previous membership year’s spending below S$50K, except MCC 9399
SCB X Card1.2 mpdExcept MCC 9399
Citi PremierMiles1.2 mpdExcept MCC 9399
Maybank Visa Infinite1.2 mpdExcept MCC 9399
AMEX KrisFlyer Ascend1.2 mpd 
AMEX KrisFlyer Credit Card1.1 mpd 
AMEX Centurion0.98 mpd
 
AMEX Platinum Charge0.78 mpd
 
AMEX Platinum Reserve0.69 mpd 
AMEX Platinum Credit Card0.69 mpd 
AMEX Rewards Card0.63 mpd 

Hotels

CardEarn RateRemarks

Citi PremierMiles

10 mpd on Kaligo, 7 mpd on Agoda 

DBS Altitude
(AMEX | Visa)

10 mpd on Kaligo, 6 mpd on Expedia, 3 mpd for other hotelsLimit S$5K per month. Reservation must be fully prepaid online

UOB PRVI Miles
(AMEX | Mastercard | Visa)

6 mpdFor hotels booked on UOB Travel only

DBS Woman’s World Card

4 mpdLimit S$2K per month. Reservation must be fully prepaid online.
UOB Lady’s Card & UOB Lady’s Solitaire4 mpd
Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Travel must be chosen as bonus category at the start of each quarter
HSBC Revolution4 mpd Limit S$1K per month. Must be online or use contactless payment

Maybank Horizon Visa Signature

3.2 mpdFor bookings made at Agoda.com/horizon. Min S$300 total card spending in a month

KrisFlyer UOB Credit Card

3 mpdAgoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOB Travel (with min S$500 spend on SIA-related transactions in a year)

Insurance Premiums

CardEarn RateRemarks
👉 Full article: What’s the best card for insurance premiums?
AMEX HighFlyer Card1.8 mpdOnly for SME owners with an ACRA registration number

Maybank Visa Infinite

1.2 mpd 

AMEX KrisFlyer Ascend

1.2 mpdChubb only

AMEX KrisFlyer Credit Card

1.1 mpd Chubb only

Online Transactions

CardEarn RateRemarks
DBS Woman’s World Card4 mpdCap S$2K per month
Citi Rewards4 mpd
Cap S$1K per statement month
OCBC Titanium Rewards4 mpdFor online shopping, limit S$12K per membership year
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$500 spend on SIA Group in a membership year

Paywave/ 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?
DBS Vantage4 mpdLimit S$2K per month

UOB Visa Signature

4 mpdExcept at Shell, SPC. Min. S$1K max S$2K combined spending on petrol and PayWave per statement month

Maybank World Mastercard

4 mpd4 mpd

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpdCapped 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 mpdMin S$300 total card spending in a month

Public Transportation (SimplyGo)

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

SCB Smart Card

7.7 mpd
(if you hold a Visa Infinite or X Card)
5.6 mpd
(otherwise)
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$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 mpdMin S$300 total card spending in a month
KrisFlyer UOB Credit Card3 mpdMin S$500 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
HSBC Revolution4 mpdLimit S$1K per month. Must use contactless.
Citi Rewards4 mpdLimit S$1K per statement month
OCBC Titanium Rewards 4 mpdLimit S$12K per membership year

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpdCapped 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
AMEX Platinum Reserve
3.47 mpdFor 10XCELERATOR merchants 
AMEX Platinum Credit Card
3.47 mpd For 10XCELERATOR merchants 

DBS Treasures AMEX

3.2 mpdMin S$300 single receipt spend at participating Club 21 boutiques

Telco Bills (Singtel, Starhub, M1 etc)

CardEarn RateRemarks

DBS Woman’s World Card

4 mpdCapped at S$2K 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 mpdOnly for SME owners with an ACRA registration number

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?
AMEX HighFlyer Card1.8 mpdOnly for SME owners with an ACRA registration number
SCB Visa Infinite1.4 mpdMin S$2K overall spend per statement month, otherwise 1 mpd
SCB X Card1.2 mpd 
Maybank Visa Infinite1.2 mpd 

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