[Last updated: 6 Oct 2021]
Local General Spending
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1.6 mpd |
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1.6 mpd |
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1.6 mpd |
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1.6 mpd |
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1.4 mpd |
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1.4 mpd |
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1.4 mpd (min S$2K total spend per statement month, otherwise 1 mpd) |
| 1.3 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers) |
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1.3 mpd |
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1.28 mpd |
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1.25 mpd (1 mpd if first year or if previous year’s spending |
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1.2 mpd |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.2 mpd | |
| 1.1 mpd | |
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1 mpd |
OCBC VOYAGE
UOB PRVI Miles 
OCBC Premier Banking Visa Infinite
DBS Altitude 
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. |
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4 mpd (min S$1K max S$2K foreign currency spend per statement month) |
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3 mpd (min S$2K overall spend per statement month, otherwise 1 mpd) |
| 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) |
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2.4 mpd |
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2.4 mpd |
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2.25 mpd (2 mpd if first year or if previous year’s spending |
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2.24 mpd |
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2.3 mpd |
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2.2 mpd |
| 2.1 mpd | |
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2 mpd |
| 2 mpd | |
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2 mpd |
| 2 mpd | |
| 2 mpd | |
| 2 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers) |
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2 mpd |
 Maybank Horizon Visa Signature |
2 mpd (min S$300 total card spending in a month) |
Air Tickets
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6 mpd (for selected airline bookings on Expedia and UOB Travel. Full Details here) |
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4 mpd (min S$1K max S$2K foreign currency spending per statement month) |
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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) |
| 4 mpd (limit S$2K per month) |
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 HSBC Revolution |
4 mpd (limit S$1K per month) |
| 3 mpd (limit S$5K per month) |
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| 3 mpd (On Singapore Air, SilkAir, Scoot) |
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| 2 mpd (On Singapore Air) |
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| 2 mpd (On Singapore Air) |
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| Maybank Horizon Visa Signature |
2 mpd (min S$300 total card spending in a month) |
CardUp
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Any general spending card will earn miles with CardUp. CardUp keeps an up-to-date list here, a copy of which is shown below.
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) |
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1.2 mpd |
| 1.2 mpd | |
| 1.1 mpd | |
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0.78 mpd for Platinum Charge, 0.69 mpd for others |
Dining
| HSBC Revolution |
4 mpd (limit $1K per month. Must use contactless) |
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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) |
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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) |
Maybank World MastercardEducation/tuition fee payments
| 👉 Full article: What’s the best card for education expenses? |
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1.2 mpd |
| 1.2 mpd | |
| 1.1 mpd |
Food Delivery
| 4 mpd (limit S$2K per month) |
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 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)
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4 mpd (limit S$2K per month) |
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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) |
| 4 mpd (limit S$1K per statement month) |
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| 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) |
| 3.2 mpd (capped at S$200/month) |
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| 3.1 mpd (capped at S$200/month) |
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| 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
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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) |
| If PayWave is accepted (NTUC/Sheng Siong), refer to PayWave section |
Hotels (online)
| 10 mpd on Kaligo, 7 mpd on Agoda | |
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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 |
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6 mpd on Agoda, 6 mpd on Expedia, 6 mpd on UOB Travel |
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4 mpd, limit S$2K per month. Only works if your reservation is fully prepaid online. |
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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) |
| 3.2 mpd for bookings made at Agoda.com/horizon. Min S$300 total card spending in a month | |
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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 |
Hospitals (except MCC 9399)
| 👉 Full article: What are the best cards for hospital bills |
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1.4 mpd (min S$2K overall spend per statement month, otherwise 1 mpd) |
| 1.3 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers) |
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1.25 mpd (1 mpd if first year or if previous year’s spending |
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1.2 mpd |
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1.2 mpd |
| 1.2 mpd (MCC 9399 OK) |
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 SCB X Card |
1.2 mpd |
| 1.1 mpd (MCC 9399 OK) |
Insurance Premiums
| 👉 Full article: What are the best cards for insurance premiums? |
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1.2 mpd |
| 1.2 mpd (only for Chubb) | |
| 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
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4 mpd (limit S$2K per month) |
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4 mpd (except travel, limit S$1K per statement month) |
 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$1.1K per month. Also works for Google, Apple, Fitbit, Samsung Pay. Applies to both local and overseas transactions. No points for paying with physical card) |
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4 mpd, except at places which award SMART$. 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? |
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4 mpd (except at Shell, SPC. Subject to min S$1K max S$2K combined spending on petrol and PayWave per statement month) |
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4 mpd |
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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? |
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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) |
| 3.2 mpd (min S$300 spend on anything in a month) |
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| 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) |
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1.4 mpd (min S$2K overall spend per statement month, otherwise 1 mpd) |
 UOB Visa Infinite Metal Card |
1.4 mpd |
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1.25 mpd (1 mpd if first year or if previous year’s spending |
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1.2 mpd |
 Maybank Visa Infinite |
1.2 mpd |
| SCB X Card |
1.2 mpd |
Shopping (offline)
| 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) |
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4 mpd (limit S$1K per statement month) |
| OCBC Titanium Rewards |
4 mpd (limit S$12K per membership year) |
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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) |
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4 mpd at participating Club 21 boutiques and T Galleria by DFS Singapore |
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3.2 mpd with min S$300 single receipt spend at participating Club 21 boutiques |
Maybank World Mastercard
DBS Treasures AMEX| 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)
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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) |
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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) |
| 1.2 mpd | |
| 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 |
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1.4 mpd (min S$2K overall spend per statement month, otherwise 1 mpd) |
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1.2 mpd |
| KrisFlyer UOB Credit Card |
1.2 mpd |
