| 💳 The MileLion’s Credit Card Guide (Last update: 17 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:
| Method | Ease of Use | Reliability |
| ❓HeyMax | ●●● | ● |
| 📱 Instarem app | ●● | ●● |
| 🤖 DBS digibot | ● |
●●● |
Local General Spending
| Card | Earn Rate | Remarks |
 Amaze + Citi Rewards |
4 mpd | Max S$1K per s. month, excludes Travel and Mobile Wallet |
 AMEX HighFlyer Card |
1.8 mpd | |
 Citi ULTIMA |
1.6 mpd | |
 DBS Insignia |
1.6 mpd | |
 UOB Reserve |
1.6 mpd | |
 OCBC VOYAGE(Premier, PPC, BOS) |
1.6 mpd | |
 DBS Vantage |
1.5 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 s. month, otherwise 1 mpd |
 DBS Altitude (AMEX | Visa) |
1.3 mpd | |
 Citi Prestige |
1.3 mpd |
Up to 0.06/0.12 mpd relationship bonus |
 OCBC 90°N Cards |
1.3 mpd | |
 OCBC VOYAGE |
1.3 mpd | |
 OCBC Premier Visa Infinite |
1.28 mpd | |
 HSBC Visa Infinite |
1.25 mpd |
1 mpd if first membership year or if previous membership year’s spending below S$50K |
| HSBC TravelOne |
1.2 mpd |
|
 Maybank Visa Infinite |
1.2 mpd | |
 SCB Journey |
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 Card |
1 mpd |
Foreign Currency Spending
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card to use for overseas spending? | ||
| Amaze + Citi Rewards |
4 mpd | Max S$1K per s. month, excludes Travel and Mobile Wallet |
 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+ |
2.9 mpd |
Max S$2.2K foreign currency spending per membership year |
 Maybank Horizon Visa Signature |
2.8 mpd (limited time upsize to 3.2 mpd) |
Min S$800 spend per month |
| HSBC TravelOne |
2.4 mpd |
|
| UOB PRVI Miles (AMEX | Mastercard | Visa) |
2.4 mpd |
|
| UOB Reserve |
2.4 mpd | |
| UOB Visa Infinite Metal Card |
2.4 mpd | |
 DBS Treasures AMEX |
2.4 mpd | |
| OCBC VOYAGE (Premier, PPC, BOS) |
2.3 mpd |
|
| HSBC Visa Infinite |
2.25 mpd | 2 mpd if first membership year or if previous membership year’s spending below S$50K |
| OCBC Premier Visa Infinite |
2.24 mpd | |
| DBS Altitude (AMEX | Visa) |
2.2 mpd | |
| DBS Vantage |
2.2 mpd | |
| OCBC VOYAGE |
2.2 mpd |
|
| OCBC 90°N Cards |
2.1 mpd | |
| Citi ULTIMA |
2 mpd | |
| DBS Insignia |
2 mpd | |
| Maybank Visa Infinite |
2 mpd | |
| SCB Journey |
2 mpd | |
| Citi PremierMiles |
2 mpd | |
| Citi Prestige |
2 mpd |
Up to 0.06/0.12 mpd relationship bonus |
| BOC Elite Miles Card |
2 mpd |
|
Air Tickets
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card to use for air tickets? | ||
|
|
6 mpd |
For selected airline bookings on Expedia and UOB Travel |
| 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 | |
|
|
4 mpd (if FCY) |
Min S$1K max S$2K foreign currency spend per statement month |
 DBS Woman’s World Card |
4 mpd | Max S$1.5K per month |
 HSBC Revolution |
4 mpd |
Max S$1K per month |
| KrisFlyer UOB Credit Card |
3 mpd | SIA & Scoot only |
| Maybank Horizon Visa Signature |
2.8 mpd (limited time upsize to 3.2 mpd) |
Min S$800 spend per month. Capped at S$10K |
| AMEX KrisFlyer Ascend |
2 mpd | SIA only |
| AMEX KrisFlyer Credit Card |
2 mpd | SIA only |
Amaze
| Card | Earn Rate | Cap |
| 👉 Full article: What’s the best card to use with Amaze? | ||
 UOB Lady’s Card |
4 mpd1 | S$1K per month |
 UOB Lady’s Solitaire |
4 mpd2 | S$2K per month |
 Citi Rewards Card |
4 mpd3 | S$1K per s. month |
 OCBC Rewards |
4 mpd4 | S$1.1K per month |
 KrisFlyer UOB Credit Card |
3 mpd5 | None |
 UOB PRVI Miles MC |
1.4 mpd | None |
 Citi Prestige |
1.3 mpd | None |
 OCBC 90°N MC |
1.3 mpd | None |
 Citi PremierMiles Card |
1.2 mpd | None |
 HSBC TravelOne Card |
1.2 mpd | None |
| 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) |
||
Atome
| Card | Earn Rate | Cap |
| Citi Rewards |
4 mpd | Max S$1K per s. month |
| DBS Woman’s World Card
|
4 mpd | Max S$1.5K per month |
| HSBC Revolution
|
4 mpd | Max S$1K per month |
| Note: it may be necessary to trigger the payments manually in order to get points credited. | ||
CardUp
Charitable Donations
| Card | Earn Rate | Remarks |
| 👉 Full article: What are the best cards for charitable donations? | ||
 Maybank Horizon Visa Signature |
SGD: 0.4 mpd FCY: 2.8 or 3.2 mpd (limited time upsize) |
Min S$800 spend per month |
| Maybank Visa Infinite |
SGD: 1.2 mpd FCY: 2 mpd |
|
 AMEX Platinum Charge |
0.78 mpd | |
Dining
| Card | Earn Rate | Remarks |
| 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 Revolution |
4 mpd |
Limit S$1K per month. Must use contactless. Excludes fast food and misc. food stores from 1 May 24 |
| KrisFlyer UOB Credit Card |
3 mpd |
Min S$800 spend on SIA-related transactions in a membership year |
Education
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card for education expenses? | ||
| Maybank Horizon Visa Signature |
SGD: 0.24 mpd FCY: 2.8 mpd (limited time upsize to 3.2 mpd) |
Min S$800 spend per month |
 UOB Reserve Card |
SGD: 1.6 mpd FCY: 2.4 mpd |
|
|
|
SGD: 1.4 mpd FCY: 2.4 mpd |
|
 UOB Privilege Banking Card |
SGD: 1.2 mpd FCY: 2 mpd |
|
|
|
SGD: 1.2 mpd FCY: 2 mpd |
|
Food Delivery
| Card | Earn Rate | Remarks |
 UOB Lady’s Card & UOB Lady’s Solitaire |
4 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 Card |
4 mpd | Cap S$1.5K per month |
 Citi Rewards |
4 mpd |
Cap S$1K per statement month |
 UOB Pref. Plat Visa |
4 mpd | Cap S$1.1K per month |
| HSBC Revolution |
4 mpd |
Cap S$1K per month. Unlikely to earn from 1 May 24 |
| KrisFlyer UOB Credit Card |
3 mpd |
Min S$800 spend on SIA-related transactions in a membership year |
| SCB Journey |
3 mpd | Limit S$1K per s. month, must be online in SGD |
Grab/gojek/TADA/other ride hailing
| Card | Earn Rate | Remarks |
| UOB Lady’s Card & UOB Lady’s Solitaire |
4 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 |
| 4 mpd |
Cap S$1.5K per month | |
| Citi Rewards |
4 mpd |
Cap S$1K per statement month |
| HSBC Revolution |
4 mpd |
Limit S$1K per month |
| AMEX KrisFlyer Ascend |
3.2 mpd | Capped at S$200/month, Grab only |
| AMEX KrisFlyer Credit Card |
3.1 mpd | Capped at S$200/month, Grab only |
| KrisFlyer UOB Credit Card |
3 mpd | Min S$800 spend on SIA-related transactions in a membership year |
| SCB Journey |
3 mpd | Limit S$1K per s. month, must be online in SGD. |
Groceries/Supermarket
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card for groceries? | ||
| 4 mpd | Capped 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 | |
| SCB Journey |
3 mpd | Limit S$1K per s. month, must be online in SGD |
Hospitals
| Card | Earn Rate | Remarks |
| 👉 Full article: What are the best cards for medical expenses? | ||
| AMEX HighFlyer Card |
1.8 mpd | Excludes public hospitals |
| UOB Reserve |
1.6 mpd | |
| Citi ULTIMA |
1.6 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 |
 AMEX Solitaire PPS Credit Card |
1.3 mpd | Excludes public hospitals |
 AMEX PPS Credit Card |
1.3 mpd | Excludes public hospitals |
 OCBC VOYAGE |
1.3 mpd | Excludes public hospitals |
| OCBC Premier Visa Infinite |
1.28 mpd | Excludes public hospitals |
 HSBC Visa Infinite |
1.25 mpd | 1 mpd if first membership year or if previous membership year’s spending below S$50K |
| SCB Journey |
1.2 mpd | |
 Maybank Visa Infinite |
1.2 mpd | |
| AMEX KrisFlyer Ascend |
1.2 mpd | Excludes public hospitals |
 AMEX KrisFlyer Credit Card |
1.1 mpd | Excludes public hospitals |
 AMEX Centurion |
0.98 mpd |
Excludes public hospitals |
 AMEX Platinum Charge |
0.78 mpd |
Excludes public hospitals |
 AMEX Platinum Reserve |
0.69 mpd | Excludes public hospitals |
 AMEX Platinum Credit Card |
0.69 mpd | Excludes public hospitals |
 AMEX Rewards Card |
0.63 mpd | Excludes public hospitals |
Hotels
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card for hotels? | ||
| 10 mpd on Kaligo, 7 mpd on Agoda | Refer to T&Cs for exclusions | |
|
|
8 mpd on Expedia, 6 mpd on Agoda & UOB Travel | Refer to T&Cs for exclusions |
| 4.3 mpd on Agoda | Refer to T&Cs for exclusions | |
| UOB Lady’s Card & UOB Lady’s Solitaire |
4 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 |
| 4 mpd | Cap S$1.5K per month. Reservation must be fully prepaid online. | |
| HSBC Revolution |
4 mpd | Exercise caution: MCC 7011 excluded! Cap S$1K per month. Must be online or use contactless payment |
| 3 mpd | Agoda, 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
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card for insurance premiums? | ||
|
|
1.2 mpd | Capped at S$3K per month |
| 1.2 mpd | Chubb only | |
| 1.1 mpd | Chubb only | |
Kris+
| Card | Earn Rate | Remarks |
| 👉 Full article (including other card options): What’s the best card for Kris+? |
||
 DBS Woman’s World Card |
4 mpd | Max. S$1.5K per month |
 Citi Rewards + Amaze |
4 mpd | Max. S$1K per s. month. Do not use Citi Rewards Card alone- no bonuses |
| KrisFlyer UOB Card |
3 mpd | No cap |
Online Transactions
| Card | Earn Rate | Remarks |
| DBS Woman’s World Card |
4 mpd | Cap S$1.5K per month |
| Citi Rewards |
4 mpd |
Cap S$1K per statement month |
|
|
4 mpd | For online shopping, cap S$1.1K per month |
 UOB Preferred Platinum Visa |
4 mpd | For on online shopping and entertainment, limit S$1.1K per month |
| HSBC Revolution |
4 mpd | For online shopping and travel, limit S$1K per month |
| KrisFlyer UOB Credit Card |
3 mpd | For online shopping and travel, with min S$800 spend on SIA Group in a membership year |
PayWave or Mobile Payments
| Card | Earn Rate | Remarks |
| UOB Preferred Platinum Visa |
4 mpd | Except at places which award UOB$. Limit S$1.1K per month. Must use mobile payments; no points for paying with physical card |
|
|
4 mpd | Except at places which award UOB$. Min S$1K, Max S$2K per statement month |
Petrol
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card for petrol? | ||
| 4 mpd | Capped 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 | |
|
|
4 mpd | Min. S$1K max S$2K combined spending on petrol and PayWave per statement month |
|
|
4 mpd | No cap |
Public Transportation (SimplyGo)
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card for public transportation? | ||
| 5.6 mpd |
Capped at S$818 per statement month | |
| 4 mpd | Capped 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 Card |
3 mpd | Min S$800 spend on SIA Group in a membership year |
Shopping
| Definition of shopping will differ by bank. Always refer to T&Cs for updated MCC list |
| Card | Earn Rate | Remarks |
 AMEX Platinum Charge |
7.8 mpd | On the first S$16K spent per year at 10XCELERATOR merchants, 3.9 mpd afterwards |
| 4 mpd | Cap 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, selected MCCs only | |
| HSBC Revolution |
4 mpd | Cap S$1K per month on selected MCCs. Must use contactless or online payments |
| Citi Rewards |
4 mpd | Cap S$1K per statement month on selected MCCS |
| OCBC Rewards |
4 mpd | Cap S$1.1K per month on selected MCCs & merchants |
 AMEX Platinum Reserve |
3.47 mpd | For 10Xcelerator merchants |
 AMEX Platinum Credit Card |
3.47 mpd | For 10Xcelerator merchants |
Telco Bills (Singtel, Starhub, M1 etc)
| Card | Earn Rate | Remarks |
| 4 mpd | Capped at S$1.5K per month, for bills paid via 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 HighFlyer Card |
1.8 mpd | |
| 1.2 mpd | ||
| 1.1 mpd |
Utilities
| Card | Earn Rate | Remarks |
| 👉 Full article: What’s the best card for electricity bills & utilities? | ||
 Maybank Manchester United Card |
2.0 mpd + 3% cashback (on days where Man Utd win) 0.4 mpd + 1% cashback (otherwise) |
|
 UOB Reserve |
1.6 mpd | |
| SCB Visa Infinite |
1.4 mpd | Min S$2K overall spend per statement month, otherwise 1 mpd |
| SCB Journey |
1.2 mpd | |
| Maybank Visa Infinite |
1.2 mpd | |
