💳 The MileLion’s Credit Card Guide (Last update: 4 July 2025) |
Contents Page |
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S. Month= Statement Month | C. Month = Calendar Month | M. Year= Membership Year |
How can I find the MCC?
The most crucial piece of information you need to decide what card to use is the Merchant Category Code, or MCC.
Here’s three ways of looking up an MCC before making a purchase:
Method | Ease of Use | Reliability |
❓HeyMax | ●●● | ● |
📱 Instarem app | ●● | ●● |
🤖 DBS digibot | ● |
●●● |
Note: “Ease of use” and “reliability” are all relative. HeyMax already provides a solid baseline for reliability, and the DBS digibot is still simple enough to use, despite requiring more steps than the other two methods. |
Local General Spending
Card | Earn Rate | Remarks |
![]() Apply |
4 mpd | 1% admin fee (min. S$0.50) applies. Max S$1K per s. month, excludes travel and mobile wallet |
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Up to 2 mpd | Regular: 1.5 mpd PB & PP: 2 mpd |
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1.6 mpd | |
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1.6 mpd | |
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1.6 mpd | |
![]() (Premier, PPC, BOS) Apply |
1.6 mpd | |
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1.5 mpd | |
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1.4 mpd | |
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1.4 mpd | |
![]() (AMEX | Mastercard | Visa) |
1.4 mpd | |
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1.4 mpd |
Min S$2K total spend per s. month, otherwise 1 mpd |
![]() (AMEX | Visa) |
1.3 mpd | |
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1.3 mpd |
Up to 0.06/0.12 mpd relationship bonus |
![]() (MC | Visa) |
1.3 mpd | |
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1.3 mpd | |
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1.28 mpd | |
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1.2 mpd | |
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1.2 mpd | 1.8 mpd on travel, dining and entertainment till 31 Aug 25 |
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1.2 mpd |
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1.2 mpd | |
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1.2 mpd | |
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1.2 mpd | |
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1.2 mpd | |
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1.2 mpd | |
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1.1 mpd | |
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1 mpd |
Step-up earn rates have been sunset |
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1 mpd | Max S$1K per c. month, 0.4 mpd after |
Foreign Currency General Spending
👉 Main Article: Best Cards for Overseas Spending |
Card | Earn Rate | Remarks |
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4 mpd | Min. S$4K FCY spend per c. month |
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4 mpd | Max S$1K per s. month, excludes travel and mobile wallet |
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4 mpd |
Min S$1K max S$2K FCY spend per s. month |
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Up to 4 mpd | Regular: 3 mpd PB: 3.5 mpd PP: 4 mpd |
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3.2 mpd | Min S$4K spend per c. month, otherwise 2 mpd |
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3.2 mpd | Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd |
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3 mpd |
Min S$2K overall spend per s. month, otherwise 1 mpd |
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2.9 mpd | Max S$2.2K foreign currency spending per m. year |
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2.8 mpd |
|
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2.8 mpd |
Min S$800 spend per c. month, otherwise 1.2 mpd |
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2.4 mpd |
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![]() (AMEX | Mastercard | Visa) |
2.4 mpd |
3 mpd if in IDR, MYR, THB, VND |
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2.4 mpd | |
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2.4 mpd | |
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2.4 mpd | |
![]() (Premier, PPC, BOS) Apply |
2.3 mpd |
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2.24 mpd | |
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2.2 mpd | |
![]() (AMEX | Visa) |
2.2 mpd | |
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2.2 mpd | |
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2.2 mpd |
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![]() (MC | Visa) |
2.1 mpd | |
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2 mpd |
Up to 0.06/0.12 mpd relationship bonus |
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2 mpd | |
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2 mpd | |
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2 mpd | Temporarily upsized to 2.8 mpd till 31 Aug 25 |
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2 mpd | Step-up earn rates have been sunset |
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2 mpd | |
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1 mpd | No FCY fees. Max S$1K per c. month, 0.4 mpd after |
Air Tickets
👉 Main Article: Best Cards for Air Tickets |
Card | Earn Rate | Remarks |
|
6 mpd |
For selected airline bookings on Expedia |
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4 mpd |
Max S$1.5K per c. month |
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4 mpd |
Max S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Travel must be chosen as bonus category |
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4 mpd | Max S$1.5K per c. month |
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3 mpd | SIA & Scoot only |
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2.8 mpd |
Min S$800 spend per c. month. Capped at S$10K per c. month. |
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2 mpd | SIA & Scoot only |
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2 mpd | SIA & Scoot only |
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2 mpd | SIA & Scoot only |
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1.95 mpd | SIA & Scoot only |
Amaze
👉 Main Article: Best Cards for Amaze | |
Note: From 10 March 2025, all SGD-denominated transactions made with Amaze incur a 1% domestic fee (min. S$0.50) |
Card | Earn Rate | Remarks |
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4 mpd1 | Max S$1K per s. month |
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4 mpd2 | Max S$1.1K per c. month |
1. All transactions except travel (Airlines, hotels, rental cars, tour agencies, cruises etc.) (T&Cs) 2. Clothes, bags, shoes and shopping (T&Cs) |
Atome
👉 Main Article: Best Cards for Atome |
Card | Earn Rate | Remarks |
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4 mpd | Max S$1K per s. month |
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4 mpd | Max S$1.5K per c. month |
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4 mpd |
Max S$1.5K per c. month |
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2.4 mpd | Min. S$1K spend on SIA Group in a m. year. No cap. |
CardUp
Charitable Donations
👉 Main Article: Best Cards for Charity |
Card | Earn Rate | Remarks |
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1 mpd | Card will not work for overseas charities. Max S$1K per c. month, 0.4 mpd after |
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0.98 mpd | |
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0.78 mpd |
Dining
👉 Main Article: Best Cards for Dining |
Card | Earn Rate | Remarks |
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9.28 mpd |
Min S$1.5K spend per s. month. 7.42 mpd with min. S$800 spend, 3.71 mpd otherwise. Selected fast food only |
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4 mpd |
Capped at S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Dining must be chosen as bonus category |
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4 mpd |
Max S$1.5K per c. month |
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2.4 mpd |
Min S$1K spend on SIA Group transactions in a m. year |
Education
👉 Main Article: Best Cards for Education |
Card | Earn Rate | Remarks |
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SGD: 0.4 mpd FCY: 3.2 mpd |
FCY: Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd |
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SGD: 0.24 mpd FCY: 2.8 mpd |
FCY: Min S$800 spend per c. month, otherwise 1.2 mpd. |
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SGD: 1.6 mpd FCY: 2.4 mpd |
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SGD: 1.4 mpd FCY: 2.4 mpd |
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SGD: 1.2 mpd FCY: 2 mpd |
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SGD: 1.2 mpd FCY: 3.2 mpd |
FCY: Min S$4K spend per c. month, otherwise 2 mpd |
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1 mpd | Max S$1K per c. month, 0.4 mpd after |
EV Charging
👉 Main Article: Best Cards for EV Charging | |
Note: This assumes your EV charging codes as MCC 5552. In practice, there could be other MCCs; refer to the post above for the range of possibilities. |
Card | Earn Rate | Remarks |
![]() AMEX | Visa |
10 mpd | Min. S$600 max S$600 per c. month. Charge+ only |
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Up to 9.28 mpd | Min. S$1.5K per s. month, no cap |
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4 mpd | Cap S$1K per s. month |
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4 mpd | Cap S$1.5K per c. month |
Food Delivery
👉 Main Article: Best Cards for Food Delivery |
Card | Earn Rate | Remarks |
![]() AMEX | Visa |
10 mpd | Min. S$600 max S$600 per c. month. Foodpanda only |
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4 mpd |
Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Dining must be chosen as bonus category |
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4 mpd | Cap S$1.5K per c. month |
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4 mpd |
Cap S$1K per s. month |
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4 mpd |
Cap S$1.1K per c. month |
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3 mpd | Limit S$1K per s. month, must be online in SGD |
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2.4 mpd |
Min S$1K spend on SIA Group transactions in a m. year |
Grab, gojek, TADA, other ride hailing
Card | Earn Rate | Remarks |
![]() AMEX | Visa |
10 mpd | Min. S$600 max S$600 per c. month. Gojek only |
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4 mpd |
Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Transport must be chosen as bonus category |
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4 mpd |
Cap S$1.5K per c. month |
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4 mpd |
Cap S$1K per s. month |
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4 mpd |
Max S$1.5K per c. month |
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3 mpd | Limit S$1K per s. month, must be online in SGD |
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2.4 mpd | Min S$1K spend on SIA Group transactions in a m. year |
Groceries/Supermarket
👉 Main Article: Best Cards for Groceries |
Card | Earn Rate | Remarks |
![]() AMEX | Visa |
10 mpd | Min. S$600 max S$600 per c. month. Cold Storage and Giant only |
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4 mpd | Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Family must be chosen as your bonus category |
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3 mpd | Cap S$1K per s. month, must be online in SGD |
Hospitals
👉 Main Article: Best Cards for Hospitals & Medical |
Card | Earn Rate | Remarks |
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1.6 mpd | |
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1.3 mpd | Excludes public hospitals |
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1.3 mpd | Excludes public hospitals |
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1.3 mpd | Excludes public hospitals |
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1.28 mpd | Excludes public hospitals |
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1.2 mpd | |
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1.2 mpd | Excludes public hospitals |
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1.2 mpd | Excludes public hospitals |
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1.1 mpd | Excludes public hospitals |
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1 mpd | Max S$1K per c. month, 0.4 mpd after. Max 100 miles per month for bill payments |
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0.98 mpd |
Excludes public hospitals |
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0.78 mpd |
Excludes public hospitals |
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0.69 mpd | Excludes public hospitals |
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0.69 mpd | Excludes public hospitals |
Hotels
👉 Main Article: Best Cards for Hotels |
Card | Earn Rate | Remarks |
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10 mpd on Kaligo, 7.2 mpd on Agoda | Refer to T&Cs for exclusions |
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8 mpd on Agoda, 6 mpd on Expedia | Refer to T&Cs for exclusions |
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4 mpd |
Max S$1.5K per c. month |
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4 mpd |
Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Travel must be chosen as bonus category |
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4 mpd | Cap S$1.5K per c. month. Must be online. |
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2.4 mpd | Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOB Travel (with min S$1K spend on SIA Group in a m. year) |
Insurance Premiums
👉 Main Article: Best Cards for Insurance Premiums |
Card | Earn Rate | Remarks |
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SGD: 1.2 mpd FCY: 3.2 mpd |
Cap S$3K per c. month. Must spend at least S$4K per c. month for 3.2 mpd rate, otherwise 2 mpd |
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1.2 mpd | Chubb only |
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1.1 mpd | Chubb only |
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1 mpd | Max S$1K per c. month, 0.4 mpd after. Max 100 miles per month for bill payments |
Kris+
👉 Main Article: Best Cards for Kris+ |
Card | Earn Rate | Remarks |
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4 mpd | Max. S$1.5K per c. month |
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4 mpd | 1% admin fee (min. S$0.50) applies for SGD spend. Max. S$1K per s. month. Do not use Citi Rewards Card alone- no bonuses |
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3 mpd | No cap |
Online Transactions
Card | Earn Rate | Remarks |
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6 mpd | For Shopee, Lazada, TikTokShop, Taobao, cap S$1K per c. month. Other online shopping earns 4 mpd, cap S$1.1K per c. month |
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4 mpd | Cap S$1.5K per c. month |
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4 mpd |
Cap S$1K per s. month, excludes travel |
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4 mpd | For on online shopping and entertainment, cap S$1.1K per c. month |
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4 mpd | For online shopping and travel, cap S$1.5K per c. month |
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2.4 mpd | For online shopping and travel, with min S$1K spend on SIA Group in a m. year |
PayWave or Mobile Payments
Card | Earn Rate | Remarks |
![]() Apply |
4 mpd | Limit S$1.1K per c. month. Must use mobile payments; no points for paying with physical card |
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4 mpd | Min S$1K, Max S$2K per s. month |
Petrol
👉 Main Article: Best Cards for Petrol |
Card | Earn Rate | Remarks |
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4 mpd | Capped at S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Transport must be chosen as your bonus category |
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4 mpd | Min. S$1K max S$2K combined spending on petrol and local contactless spend per s. month |
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4 mpd | No cap. Offline only. |
Pharmacies
👉 Main Article: Best Cards for Pharmacies |
Card | Earn Rate | Remarks |
![]() AMEX | Visa |
10 mpd | Min. S$600 max S$600 per c. month. Guardian only |
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6 mpd | For Watsons only, capped at S$1K per c. month till 31 Dec 25. 4 mpd for Guardian & Unity |
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4 mpd | Cap S$1.5K per c. month |
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4 mpd | Capped at S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Beauty & Wellness must be chosen as your bonus category |
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2.4 mpd | Min S$1K spend on SIA Group transactions in a m. year. Must be online |
Public Transportation (SimplyGo)
👉 Main Article: Best Cards for Public Transport |
Card | Earn Rate | Remarks |
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9.28 mpd |
Min S$1.5K spend per s. month. 7.42 mpd with min. S$800 spend, 3.71 mpd otherwise |
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4 mpd |
Min S$1K max S$2K FCY spend per s. month |
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4 mpd | Capped at S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Transport must be chosen as your bonus category |
![]() Apply |
2.4 mpd | Min S$1K spend on SIA Group transactions in a m. year |
Shopping
Card | Earn Rate | Remarks |
![]() Apply |
7.8 mpd | On the first S$16K spent per calendar year at 10XCELERATOR merchants, 3.9 mpd afterwards |
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4 mpd | Cap S$1K per c. month for Lady’s Card and S$2K per c. month for Lady’s Solitaire. Fashion must be chosen as your bonus category. Selected MCCs |
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4 mpd | Cap S$1.5K per c. month. Selected MCCs |
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4 mpd | Cap S$1K per s. month. Selected MCCs |
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4 mpd | Cap S$1.1K per c. month. Selected MCCs |
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3.47 mpd | For 10Xcelerator merchants |
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3.47 mpd | For 10Xcelerator merchants |
Telco Bills (Singtel, Starhub, M1 etc)
Card | Earn Rate | Remarks |
![]() AMEX | Visa |
10 mpd | Min. S$600 max S$600 per c. month. Singtel only (must pay at kiosk) |
![]() Apply |
4 mpd | Capped at S$1.5K per c. month, for bills paid via app. No points if set up as recurring credit card payment. Excludes Singtel app payments |
![]() Apply |
4 mpd | Capped at S$1K per s. month, must be paid online or via app. No points if set up as recurring credit card payment. Excludes Singtel app payments |
![]() Apply |
1.2 mpd | |
![]() Apply |
1.2 mpd | |
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1.1 mpd | |
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1 mpd | Max S$1K per c. month, 0.4 mpd after |
Utilities
👉 Main Article: Best Cards for Utilities |
Card | Earn Rate | Remarks |
![]() Apply |
SGD: 0.4 mpd FCY: 3.2 mpd |
Min S$4K spend per c. month. 2.8 mpd if min S$800 spend per c. month, otherwise 0.4 mpd |
![]() Apply |
SGD: 0.24 mpd FCY: 2.8 mpd |
Min S$800 spend per c. month, otherwise 1.2 mpd. |
![]() Apply |
2.0 mpd + 3% cashback |
Bonus rate only when Man Utd win; 0.4 mpd + 1% cashback otherwise |
![]() Apply |
SGD: 1.2 mpd FCY: 3.2 mpd |
FCY: Min S$4K spend per c. month, otherwise 2 mpd |
![]() Apply |
1 mpd | Max S$1K per c. month, 0.4 mpd after. Max 100 miles per month for bill payments |