💳 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 |
![]() | 4 mpd | Max S$1K per s. month, excludes Travel and Mobile Wallet |
![]() | 1.8 mpd | |
![]() | 1.6 mpd | |
![]() | 1.6 mpd | |
![]() | 1.6 mpd | |
![]() (Premier, PPC, BOS) | 1.6 mpd | |
![]() | 1.5 mpd | |
![]() | 1.4 mpd | |
![]() (AMEX | Mastercard | Visa) | 1.4 mpd | |
![]() | 1.4 mpd | Min S$2K total spend per s. month, otherwise 1 mpd |
![]() (AMEX | Visa) | 1.3 mpd | |
![]() | 1.3 mpd | Up to 0.06/0.12 mpd relationship bonus |
![]() | 1.3 mpd | |
![]() | 1.3 mpd | |
![]() | 1.28 mpd | |
![]() | 1.25 mpd | 1 mpd if first membership year or if previous membership year’s spending below S$50K |
![]() | 1.2 mpd | |
![]() | 1.2 mpd | |
![]() | 1.2 mpd | |
![]() | 1.2 mpd | |
![]() | 1.2 mpd | |
![]() | 1.2 mpd | |
![]() | 1.1 mpd | |
![]() | 1 mpd |
Foreign Currency Spending
Card | Earn Rate | Remarks |
👉 Full article: What’s the best card to use for overseas spending? | ||
![]() | 4 mpd | Max S$1K per s. month, excludes Travel and Mobile Wallet |
![]() | 4 mpd | Min S$1K max S$2K foreign currency spend per statement month |
![]() | 3 mpd | Min S$2K overall spend per statement month, otherwise 1 mpd |
![]() | 2.9 mpd | Max S$2.2K foreign currency spending per membership year |
![]() | 2.8 mpd (limited time upsize to 3.2 mpd) | Min S$800 spend per month |
![]() | 2.4 mpd | |
![]() (AMEX | Mastercard | Visa) | 2.4 mpd | |
![]() | 2.4 mpd | |
![]() | 2.4 mpd | |
![]() | 2.4 mpd | |
![]() (Premier, PPC, BOS) | 2.3 mpd | |
![]() | 2.25 mpd | 2 mpd if first membership year or if previous membership year’s spending below S$50K |
![]() | 2.24 mpd | |
![]() (AMEX | Visa) | 2.2 mpd | |
![]() | 2.2 mpd | |
![]() | 2.2 mpd | |
![]() | 2.1 mpd | |
![]() | 2 mpd | |
![]() | 2 mpd | |
![]() | 2 mpd | |
![]() | 2 mpd | |
![]() | 2 mpd | |
![]() | 2 mpd | Up to 0.06/0.12 mpd relationship bonus |
![]() | 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 | |
![]() | 4 mpd | Max S$1.5K per month |
![]() | 4 mpd | Max S$1K per month |
![]() | 3 mpd | SIA & Scoot only |
![]() | 2.8 mpd (limited time upsize to 3.2 mpd) | Min S$800 spend per month. Capped at S$10K |
![]() | 2 mpd | SIA only |
![]() | 2 mpd | SIA only |
Amaze
Card | Earn Rate | Cap |
👉 Full article: What’s the best card to use with Amaze? | ||
![]() | 4 mpd1 | S$1K per month |
![]() | 4 mpd2 | S$2K per month |
![]() | 4 mpd3 | S$1K per s. month |
![]() | 4 mpd4 | S$1.1K per month |
![]() | 3 mpd5 | None |
![]() | 1.4 mpd | None |
![]() | 1.3 mpd | None |
![]() | 1.3 mpd | None |
![]() | 1.2 mpd | None |
![]() | 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 |
![]() | 4 mpd | Max S$1K per s. month |
![]() | 4 mpd | Max S$1.5K per month |
![]() | 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? | ||
![]() | SGD: 0.4 mpd FCY: 2.8 or 3.2 mpd (limited time upsize) | Min S$800 spend per month |
![]() | SGD: 1.2 mpd FCY: 2 mpd | |
![]() | 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 | |
![]() | 4 mpd | Limit S$1K per month. Must use contactless. Excludes fast food and misc. food stores from 1 May 24 |
![]() | 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? | ||
![]() | SGD: 0.24 mpd FCY: 2.8 mpd (limited time upsize to 3.2 mpd) | Min S$800 spend per month |
![]() | SGD: 1.6 mpd FCY: 2.4 mpd | |
SGD: 1.4 mpd FCY: 2.4 mpd | ||
![]() | SGD: 1.2 mpd FCY: 2 mpd | |
SGD: 1.2 mpd FCY: 2 mpd |
Food Delivery
Card | Earn Rate | Remarks |
![]() | 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 |
![]() | 4 mpd | Cap S$1.5K per month |
![]() | 4 mpd | Cap S$1K per statement month |
![]() | 4 mpd | Cap S$1.1K per month |
![]() | 4 mpd | Cap S$1K per month. Unlikely to earn from 1 May 24 |
![]() | 3 mpd | Min S$800 spend on SIA-related transactions in a membership year |
![]() | 3 mpd | Limit S$1K per s. month, must be online in SGD |
Grab/gojek/TADA/other ride hailing
Card | Earn Rate | Remarks |
![]() | 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 | |
![]() | 4 mpd | Cap S$1K per statement month |
![]() | 4 mpd | Limit S$1K per month |
![]() | 3.2 mpd | Capped at S$200/month, Grab only |
![]() | 3.1 mpd | Capped at S$200/month, Grab only |
![]() | 3 mpd | Min S$800 spend on SIA-related transactions in a membership year |
![]() | 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 | |
![]() | 4 mpd | Limit S$1K per month, must be online or contactless payment. Ends 1 May 24 |
![]() | 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? | ||
![]() | 1.8 mpd | Excludes public hospitals |
![]() | 1.6 mpd | |
![]() | 1.6 mpd | |
![]() | 1.4 mpd | |
![]() | 1.4 mpd | Min S$2K overall spend per statement month, otherwise 1 mpd |
![]() | 1.3 mpd | Excludes public hospitals |
![]() | 1.3 mpd | Excludes public hospitals |
![]() | 1.3 mpd | Excludes public hospitals |
![]() | 1.28 mpd | Excludes public hospitals |
![]() | 1.25 mpd | 1 mpd if first membership year or if previous membership year’s spending below S$50K |
![]() | 1.2 mpd | |
![]() | 1.2 mpd | |
![]() | 1.2 mpd | Excludes public hospitals |
![]() | 1.1 mpd | Excludes public hospitals |
![]() | 0.98 mpd | Excludes public hospitals |
![]() | 0.78 mpd | Excludes public hospitals |
![]() | 0.69 mpd | Excludes public hospitals |
![]() | 0.69 mpd | Excludes public hospitals |
![]() | 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 | |
![]() | 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. | |
![]() | 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+? | ||
![]() | 4 mpd | Max. S$1.5K per month |
![]() | 4 mpd | Max. S$1K per s. month. Do not use Citi Rewards Card alone- no bonuses |
![]() | 3 mpd | No cap |
Online Transactions
Card | Earn Rate | Remarks |
![]() | 4 mpd | Cap S$1.5K per month |
![]() | 4 mpd | Cap S$1K per statement month |
| 4 mpd | For online shopping, cap S$1.1K per month |
![]() | 4 mpd | For on online shopping and entertainment, limit S$1.1K per month |
![]() | 4 mpd | For online shopping and travel, limit S$1K per month |
![]() | 3 mpd | For online shopping and travel, with min S$800 spend on SIA Group in a membership year |
PayWave or Mobile Payments
Card | Earn Rate | Remarks |
![]() | 4 mpd | Except at places which award UOB$. 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 | |
![]() | 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 |
![]() | 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 | |
![]() | 4 mpd | Cap S$1K per month on selected MCCs. Must use contactless or online payments |
![]() | 4 mpd | Cap S$1K per statement month on selected MCCS |
![]() | 4 mpd | Cap S$1.1K per month on selected MCCs & merchants |
![]() | 3.47 mpd | For 10Xcelerator merchants |
![]() | 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 | |
![]() | 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 |
![]() | 1.8 mpd | |
1.2 mpd | ||
1.1 mpd |
Utilities
Card | Earn Rate | Remarks |
👉 Full article: What’s the best card for electricity bills & utilities? | ||
![]() | 2.0 mpd + 3% cashback (on days where Man Utd win) 0.4 mpd + 1% cashback (otherwise) | |
![]() | 1.6 mpd | |
![]() | 1.4 mpd | Min S$2K overall spend per statement month, otherwise 1 mpd |
![]() | 1.2 mpd | |
![]() | 1.2 mpd |