What card do I use for…

Contents Page
Local General Spending
Foreign Currency Spending
Air Tickets
CardUp
Charitable Donations
Dining
Education
Grab/gojek/Ryde/TADA
Groceries
Hotels
Insurance
Online transactions
Paywave
Petrol
Public Transportation
Shopping (offline)
Telcos
Utilities
Advertising

[Last updated: 1 Mar 2020]

Local General Spending

BOC Elite Miles World Mastercard

1.5 mpd

UOB PRVI Miles (All variants)

1.4 mpd

SCB Visa Infinite

1.4 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd)

Citi Prestige

1.3 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers)

HSBC Visa Infinite

1.25 mpd (1 mpd if first year or if previous year spending <$50K)

OCBC 90°N Card

1.2 mpd

SCB X Card

1.2 mpd

DBS Altitude (all variants)

1.2 mpd

OCBC VOYAGE

1.2 mpd (Premier & Private banking versions earn 1.6 mpd)

KrisFlyer UOB Credit Card 

1.2 mpd

Citi PremierMiles Visa

1.2 mpd

AMEX KrisFlyer Ascend

1.2 mpd

AMEX KrisFlyer Credit Card

1.1 mpd

Foreign Currency Spending

UOB Visa Signature

4 mpd, if payment processing done outside of Singapore, min $1K max $2K foreign currency spending per statement cycle

SCB Visa Infinite

3 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd)

BOC Elite Miles World Mastercard

3 mpd, if payment processing done outside of Singapore 

SCB Rewards+

2.9 mpd, capped at $2,222 of foreign currency spending a year

UOB PRVI Miles (All variants)

2.4 mpd, if payment processing done outside of Singapore 

DBS Treasures AMEX

2.4 mpd

OCBC VOYAGE

2.3 mpd

HSBC Visa Infinite

2.25 mpd (2 mpd if first year or if previous year spending <$50K)

OCBC 90°N Card

2.1 mpd

DBS Altitude (All variants)

2 mpd

Citi PremierMiles Visa

2 mpd

SCB X Card

2 mpd

Citi Prestige

2 mpd (up to 0.06/0.12 mpd relationship bonus for non-Citigold/Citigold customers)
Maybank Horizon Visa Signature 2 mpd, min $300 total card spending in a month

Air Tickets

UOB PRVI Miles (All variants)

6 mpd for selected airline bookings on Expedia and UOB Travel. List subject to change, refer to website for latest. Capped at $3K spend till 31 Dec 20 (UOB Travel), 30 Apr 20 (Expedia). Details here

UOB Visa Signature

4 mpd if charged in foreign currency and payment processing done outside of Singapore (e.g booking United Airlines domestic USA tickets on United Airlines US website). Min $1K max $2K per statement period

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $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

DBS Woman’s World Card

4 mpd, limit $2K per month 

DBS Altitude (All variants)

6 mpd on Expedia (until 31 Mar 20), otherwise 3 mpd, limit $5K per month

BOC Elite Miles World Mastercard

3 mpd, if in foreign currency and payment processing done outside of Singapore 

KrisFlyer UOB Credit Card

3 mpd on SIA-related transactions (Scoot, SilkAir, Singapore Air)

AMEX KrisFlyer Ascend

2 mpd on SIA-related transactions (excluding Scoot)

AMEX KrisFlyer Credit Card

2 mpd on SIA-related transactions (excluding Scoot)
Maybank Horizon Visa Signature 2 mpd, min $300 total card spending in a month

AMEX Platinum Charge

1.95 mpd on Singapore Air, SilkAir, and Scoot tickets purchased through website or Platinum concierge

CardUp

Any general spending card will earn miles with CardUp. CardUp keeps an up-to-date list here, 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 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
  • HSBC Visa Infinite Credit 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 payment with CardUp, use the code MILELION to get $20 off a $1,000 minimum payment. Alternatively, you can use the code SAVERENT19 to enjoy a 1.9% discounted rate on rental payments (for rental payments due by 30 Jun 20, max one payment a month, Visa/Mastercard only) 

 Charitable Donations

AMEX KrisFlyer Ascend

1.2 mpd

AMEX KrisFlyer Credit Card

1.1 mpd

Dining

UOB Preferred Platinum AMEX

4 mpd, capped at $6K per calendar year. No longer available for application

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Dining 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

Maybank World Mastercard

4 mpd at selected Paradise Group, Imperial Treasure, RWS and Les Amis restaurants
Maybank Horizon Visa Signature 3.2 mpd, min $300 total card spending in a month. Local dining only. 
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
HSBC Revolution 2 mpd
OCBC VOYAGE 1.6 mpd

Education/tuition fee payments

HSBC Revolution 2 mpd, if paid online

BOC Elite Miles World Mastercard

1.5 mpd

SCB Visa Infinite

1.4 mpd, min $2K overall spend per statement cycle (otherwise 1 mpd)

HSBC Visa Infinite

1.25 mpd (1 mpd if previous year spending <$50K or first year)

AMEX KrisFlyer Ascend

1.2 mpd

AMEX KrisFlyer Credit Card

1.1 mpd

Grab/gojek/Ryde/TADA (rides only, does not include GrabPay top-ups unless otherwise stated)

DBS Woman’s World Card

4 mpd, limit $2K per month

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Transport category 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. 

Citi Rewards Visa

4 mpd, limit $1K per statement month. Includes GrabPay top-ups
Maybank Horizon Visa Signature 3.2 mpd on Grab and taxis, min $300 total card spending in a month. 

AMEX KrisFlyer Ascend

3.2 mpd, capped at $200/month. Includes GrabPay top-ups (until 1 Mar 2020)

AMEX KrisFlyer Credit Card

3.1 mpd, capped at $200/month. Includes GrabPay top-ups (until 1 Mar 2020)

KrisFlyer UOB Credit Card

3 mpd (with min $500 spend on SIA-related transactions in a year). Also includes general taxi rides. Bonus miles credited 2 months after the card anniversary

HSBC Revolution

2 mpd. Includes first $200 of GrabPay top-up. Anecdotal reports that you can earn 2 mpd on >$200.

Groceries/Supermarket

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $3K per month for Lady’s Solitaire. Family must be chosen as your bonus category at the start of each quarter. Lady’s Card gets one bonus category, Lady’s Solitaire gets two bonus categories. Does not apply at Cold Storage, Giant, Jasons (SMART$ merchants)

POSB PAssion Debit Card

2.6 mpd with min $400 spend on anything in a month. Capped at $1,250 of grocery expenditure. Valid at Cold Storage, Giant, Jasons and Market Place
If PayWave is accepted (NTUC/Sheng Siong), refer to PayWave section

Hotels (online)

Citi PremierMiles Visa

10 mpd on Kaligo, 7 mpd on Agoda

DBS Altitude (All variants)

10 mpd on Kaligo, 6 mpd on Expedia, 3 mpd for other hotels, limit $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 

UOB PRVI Miles (All variants)

6 mpd on Agoda, 6 mpd on Expedia, 6 mpd on UOB Travel

DBS Woman’s World Card

4 mpd, limit $2K per month. Only works if your reservation is fully prepaid online. Submitting your card info online does not guarantee the reservation is processed online. 

UOB Lady’s Card & UOB Lady’s Solitaire

4 mpd, capped at $1K per month for Lady’s Card and $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. 

Maybank Horizon Visa Signature

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

BOC Elite Miles World Mastercard

3 mpd, if in foreign currency and payment processing done outside of Singapore 

KrisFlyer UOB Credit Card 

3 mpd for Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOBTravel.com (with min $500 spend on SIA-related transactions in a year). Bonus miles credited 2 months after the card anniversary 

Insurance Premiums

HSBC Revolution

2 mpd, must be paid online

BOC Elite Miles World Mastercard

1.5 mpd

AMEX KrisFlyer Ascend

1.2 mpd (only for Chubb)

AMEX KrisFlyer Credit Card

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

DBS Woman’s World Card

4 mpd, limit $2K per month

Citi Rewards Visa & Citi Rewards Mastercard

4 mpd, except travel, limit $1K per statement month. The Citi Rewards Mastercard is generally more “risky” than the Visa, with transactions like Deliveroo, Ryde, Circles Life, Guardian, iHerb, Taobao, Amazon SG reportedly not earning 10X.
OCBC Titanium Rewards 4 mpd on online shopping, limit $12K per membership year
UOB Preferred Platinum Visa 4 mpd on online shopping and entertainment, limit $1K per month

KrisFlyer UOB Credit Card

3 mpd (with min $500 spend on SIA-related transactions in a year). Bonus miles credited 2 months after the card anniversary

HSBC Revolution

2 mpd

DBS Woman’s Card

2 mpd, limit $1K per month
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 $1K per month. Also works for Google, Apple, Samsung Pay. Applies to both local and overseas transactions.

UOB Visa Signature

4 mpd, except at places which award SMART$. Subject to min $1K max $2K combined spending on petrol and PayWave per statement cycle. Only local PayWave transactions eligible. 

Petrol

UOB Visa Signature

4 mpd, except at places which award SMART$ eg Shell. Subject to min $1K max $2K combined spending on petrol and PayWave per statement cycle

Maybank World Mastercard

4 mpd

Maybank Horizon Visa Signature

3.2 mpd, min $300 total card spending in a month

Public Transportation (SimplyGo)

UOB PRVI Miles Visa & Mastercard

4.4 mpd until 30 Jun 20, capped at $80 per month. Must add card to mobile wallet and use, no bonus awarded for tapping physical card. Registration required