What card do I use for…

Remember that this guide only shows you the optimum card within a category. Depending on your overall spending, it may make sense to stick to cards from only one bank as opposed to a best-of-breed strategy so as to avoid the problem of orphan points and multiple conversion fees.
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[Last updated: 1 Aug 2019]

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)

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

2.4 mpd (until 31 Dec 19, after which 2.3 mpd)

HSBC Visa Infinite

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

DBS Altitude (All variants)

2 mpd

Citi PremierMiles Visa

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 19. 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. This 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


DBS Woman’s World Card

4 mpd, limit $2K per month 

DBS Altitude (All variants)

6 mpd on Expedia (until 31 Mar 2020), 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 Airlines, 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. 

Spending on CardUp is treated the same as any other spending.  In other words, it will count towards sign up bonuses (with the exception of the X Card), as well as spending requirements to trigger bonus miles (e.g. SCB Visa Infinite’s $2K spending requirement to unlock 1.4/3.0 mpd on local/overseas spending.

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 31 Dec 2019, 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. This 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


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 Card3 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

UOB PRVI Miles

1.4 mpd, until 1 Sept 2019

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 top-ups unless otherwise stated)

DBS Altitude Visa

4 mpd for Grab and gojek until 31 Dec 2019, capped at S$1,200 for the entire period. Registration required

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. This 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. GrabPay top ups included

Citi Rewards Visa & Citi Rewards Mastercard

4 mpd, limit $1K per month. GrabPay top ups not officially included, but numerous reports of 4 mpd being awarded on Visa. For Mastercard, ad-hoc top ups receive 4 mpd but not saved card

Maybank Horizon Visa Signature
3.2 mpd on Grab and taxis, min $300 total card spending in a month. Includes GrabPay top up.

AMEX KrisFlyer Ascend

3.2 mpd, capped at $200/month. Includes GrabPay top up

AMEX KrisFlyer Credit Card

3.1 mpd, capped at $200/month. Includes GrabPay top up

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 GrabPay top up

Groceries

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. This 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
If PayWave is accepted (NTUC/Sheng Siong), refer to PayWave section

Hotels (online)

Citi PremierMiles Visa

10 mpd on Kaligo, 7 mpd on Agoda, 3 mpd on Expedia

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)

10 mpd on Kaligo, 7 mpd on Agoda, 7 mpd on Expedia, 7 mpd on UOB Travel. Caps apply, full details here

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. This 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. 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 
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Insurance Premiums


HSBC Revolution

2 mpd, must be paid online

BOC Elite Miles World Mastercard

1.5 mpd

AMEX KrisFlyer Ascend

1.2 mpd

OCBC VOYAGE
1.2 mpd (except Great Eastern and NTUC Income)

AMEX KrisFlyer Credit Card

1.1 mpd
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, limit $1K per month 
OCBC Titanium Rewards4 mpd, limit $12K per membership year
UOB Preferred Platinum Visa4 mpd, 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 Visa4 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 (Simply Go)

DBS Altitude Visa

4 mpd until 31 Dec 2019, capped at S$1,200 for the entire period. Registration required

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. This 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


Maybank Horizon Visa Signature

3 mpd with min $300 spend on anything in a 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

BOC Elite Miles World Mastercard

1.5 mpd

UOB PRVI Miles Mastercard/Visa

1.4 mpd. Note that SimplyGo Visa transactions post daily, so you won’t earn any points on UOB PRVI Miles Visa unless you spend >$5 a day

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)

OCBC VOYAGE

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

Shopping (offline)


AMEX Platinum Charge

7.8 mpd on the first $16K spent per year at Platinum EXTRA merchants, 3.9 mpd after that 

Citi Rewards Visa & Citi Rewards Mastercard

4 mpd, limit $1K per month
OCBC Titanium Rewards4 mpd, limit $12K per membership year

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. This 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


Maybank World Mastercard

4 mpd at participating Club 21 boutiques and T Galleria by DFS Singapore

DBS Treasures AMEX

3.2 mpd with min $300 single receipt spend at participating Club 21 boutiques 
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)

This section needs your help! Please contribute additional data points for other telcos in the comments below


DBS Woman’s World Card

4 mpd, caped at $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.

Citi Rewards Visa & Citi Rewards Mastercard

4 mpd, limit $1K per month, must be paid online or via app . No points if set up as recurring credit card payment.

DBS Altitude (all variants)

1.2 mpd for M1 bills (details here)

AMEX KrisFlyer Ascend

1.2 mpd

AMEX KrisFlyer Credit Card

1.1 mpd

Utilities

This section needs your help! Please contribute additional data points for other telcos in the comments below


HSBC Revolution

2 mpd for online utilities payments

UOB PRVI Miles (All variants)

1.4 mpd on Keppel Electric and SP


DBS Altitude (all variants)

1.2 mpd for SP Utilities, Keppel Electric, iSwitch (details here)

AMEX Platinum Cards

0.78 mpd for AMEX Platinum Charge, 0.69 for all others. SP Utilities only.

239 comments

  1. Hi Aaron, great site. I wanted to ask whether you know whether the DBS world woman’s card gives you the 4x mpd on international online spending? Because the card also gives 3x DBS points on overseas spend (6 miles per S$5 spend) and I wonder if this takes precedence when you buy off Amazon UK, US or use Uber overseas.

    It would make sense for the banks to give you less and only give the 4mpd rate on Singapore-denominated online spend. I only ask because I used it to buy on Amazon UK a few months ago and I don’t think the 4mpd rate was credited. Thanks!

    1. Hi Timmy, thanks for reading! You will get 10x points or 4mpd on international online spending, that takes precedence over the FCY. I have got it many times for Amazon, so you should call up DBS and check whether there is an error on their side. They can start an investigation.

  2. So weird that OCBC’s “top card” (the Voyage card) seems to pale in comparison to it’s poorer cousin (the Titanium card) Is there any particular reason for this? Or am I missing something here?

    1. you are confusing general spend vs category spend. the titanium rewards card will be useless for general spend at 0.4 mpd, the ocbc voyage would earn 1 mpd (which is still pretty crappy)

  3. Hey Aaron, any idea what is the cap on spending for the Citi Rewards card?

    Based on the Citibank website, it’s 120k points/year or $12k spend. However, I tried reading the T&Cs (https://www.citibank.com.sg/global_docs/pdf/rewards_2013.pdf) and it seems different. Pt 10 says there is a cap of 120k points/Citi Dollars Period, and pt 7 refers to “Citi Dollars Period” as 60 months. Does this mean a cap of 120k pts for every 60 months?

    I have a feeling i’m just confusing myself here, but want to make sure before i sign up for the card.

    Am comparing between this and OCBC Titanium – which would u recommend? Thanks!

    1. Had the exact same question – it seems to me that they’ve changed the T&Cs to have a cap of 120,000 bonus citi dollars per 5 year / 60 month period, which works out to be S$12k per 5 years which would be a very low cap.

  4. Hi Aaron, realized you didn’t include the 10 mpd for UOB PRVI miles visa on Kaligo.

    Also it can have some crazy ass promos, and get 50% bonus miles, so I hit 15 mpd instead. Pretty awesome considering its money you need to spend anyhow.

  5. Hey Aaron

    Amazing blog and thanks for the many tips.
    Just a quick question . I have school fees to pay (in gbp and can be paid through an online portal). Which would be the best credit card to use? Thanks in advance

  6. Hi, do you know what will be the best card to use for online payment to overseas travel agency, specifically in this case, Oku Japan for a self guided walking trip. Not quite hotel, and I dunno if it qualifies as online retail spend under dbs woman’s world. Thanks.

  7. Hi Aaron,
    Great site! I have since embark on “refreshing” my cards drawing from what i’ve learnt here.
    I have a question, I notice there doesnt seem to be a card thats useful when it comes to groceries (physically showing up at NTUC and paying with the card). Is there anything you would recommend considering thats a big bulk of my monthly expense.
    Thanks!

  8. Hi Aaron,

    Great site! I am doing my reshuffle of cards based on your website and my lifestyle needs.

    One thought would be to perhaps better catergorise the sections more clearly as I nearly missed out on the Kaligo-UOB PRVI promotion as I didn’t know about the specific portal cause I didn’t read the T&C (oops!) and am too reliant on you.

    EG:
    Current:
    Booking hotels online
    Kaligo- 10 mpd for Citibank Premiermiles + DBS Altitude Visa + AMEX cards + UOB PRVI Miles

    Proposed:
    Booking Hotels Online
    Kaligo:
    UOB PRVI – https://www.kaligo.com/prvimiles (10mpd)
    Citibank – https://www.kaligo.com/bonus-miles (10mpd)
    DBS – https://www.kaligo.com/altitude (10mpd)

  9. Hi Aaron,
    Came to know about your site from a friend and it all looks really interesting. I use an Amex krisflyer PPScard and DBS platinum visa paywave n debit card. so all the spending I do gets me krisflyer miles. Not sure about the conversions though. mostly all my accounts are with DBS, be it savings, car loans, mortgage etc. just for the sheer of convenience of having it all at one place.
    I want to follow your advice what would be your suggetion the credit cards I should switch to.
    thanks
    Ady

  10. Hey Aaron,

    What’s your take on the bank’s intransparent calculation of reward miles? How can we deal with it?

    There is no per item reward balance change, only a statement at the end of the month. Sometimes I found big discrepancy (30%) compared to my estimation even with a very simple construct such as local vs overseas.

  11. Hi there. I saw CITI premiermiles offering 10000 miles when we pay for recurring annual fee. Do you think it makes sense to pay that or any hacks around that?

  12. Hi,
    I would like to ask if i book a travel package (hotel, air ticekts etc) from a travel agency eg: Chan Brothers at their shop, will i still earn bonus points if for example i use the DBS altitude card?
    If not, then which credit card would you guys recommend? Thanks!

    Cheers,

  13. Hi Aaron

    I think Citi Rewards is going to change its T&Cs – wef 4 Oct 2018, you only get 10X rewards points (i.e. 4 miles) per dollar for clothes bags and shoes up to a cap of 10,000 rewards points per month (i.e. you only get 10X rewards points / 4 miles on the first $1,000). Which is a pain if you are planning big ticket clothes bags and shoes purchases. :/

  14. Hi,
    Using the DBS WWMC – for online hotel purchases in foreign currency (fully pre-paid) is it fair to assume that this should result in 4mpd (so the online spend rate) rather than 2mpd (the foreign currency rate)? Obviously only up to $2k per calendar month.
    Do readers find that DBS points for such transactions normally track accurately or that they need to chase DBS to get the right points to post?
    Thanks,
    S

    1. DBS Worlds Mastercard had some issues in awarding point accurately according to one of my friend. Its better u track it urself and chase after If necessary

  15. Hi Aaron,

    I have a UOB Visa Signature prepared for the FCY hotel stay. However, any suggestion on the amount exceed 2K for the offline hotel spend? Any card can ear 4mpd?

    Best regards,

    PV

  16. Hi,

    Can I use UOB Visa Signatur/Preferred Platinum Visa for 4 mpd if the tuition fee can be paid by Paywave/contactless transaction?

    If not, do you have any suggestion on this?

    Many thanks and best regards,

    PV

  17. Hi Aaron,

    When the bank says min spending of $1K, does it mean if you are spending less than $1k for that particular item on that statement month, you won’t get any miles?

  18. The SC Rewards+ Credit Card has 4 mpd (10X) for foreign currency recently. However, the rewarded points (10X – 1X = 9X) are only 20000 per year, which can be used up by 2222 SGD.

  19. Just wish to share that I’ve been tracking whether UOB has actually issue the additional miles per advertised (6 miles per dollar). The tracking is tough as I have to log in to see my UNI$ every other day and compare the miles I should have gotten through booking through the dedicated UOB-Agoda site. More often that not, the additional miles have not been credited, and I have emailed and called UOB customer service rept many times, and they asked me to provide proof which I did, but the issues were always forgotten. Hence, I do not recommend UOB for booking 6mpd as it is almost impossible to track, and dealing with these are simply not worth the effort, not to mention at the end of the day, it is just 1.4 or 2.4 mpd instead of the advertised 6mpd.

  20. Hi Aaron,

    “Foreign currency transactions
    UOB Visa Signature Card– 4 mpd, min $1K max $2K foreign currency spending per statement cycle”

    Would using UOB PPV via Contactless Payments (Apple Pay, Paywave etc) overseas count for 4mpd too?

    Thanks!

  21. Does the BOC Elite Miles card really earn 1.5 mpd for public transport? I thought the revised terms and conditions specifically exclude ‘Transitlink’-related transactions.

  22. This is fantastic but, “Grab/gojek/Ryde/TADA (rides only, does not include top-ups unless otherwise stated)” section isn’t in highest to lowest earn rates like all the other sections. UOB PRVI should be at the bottom, but it’s in the middle.

      1. Citi Onebill give miles for Singtel, I believe same for starhub and M1. As onebill covers all. This is recurring bills and I tried both prestige and premiermiles and they work.

    1. I use my Altitude for SP bills. 1.2 mpd awarded.
      Similarly, I use the same card for one of the OEM provider, Keppel Electric. Likewise, 1.2 mpd awarded.

  23. I’ve recently used my DBS WWMC to transact at Amazon. Made my payment via RateX and checked the latter’s MCC via the DBS Virtual Assistant chatbot.

    The MCC for RateX was “MCC 5699: Misc Apparel and Accessory Shops”, which should qualify for 4mpd on DBS WWMC (as well as other shopping cards like UOB PPV, OCBC Titanium Rewards, Citi Rewards etc.). Will update on the DBS bonus mpd again after I pass 15th of May. #FTR

    If valid, this is a great way to save on FX fees when spending at Amazon US and still earn the 4mpd 🙂

      1. Sure no worries! Benefited from a lot of the info here.

        Anyway 5699 seems to be the one to corroborate the most with “ACCESSORY & APPAREL STORES” – I’ve posted my screenshot on the Telegram group 🙂

  24. I use my AMEX Krisflyer Blue to pay for my circle life bill. 1.1mpd verified.

    In this case but I can’t vouch, Ascend should reward 1.2 mpd

  25. Hi,
    Great list of cards. For UOB PPV, is the $1k limit inclusive of both Paywave and online spend? Or does it allow $1k of Paywave and $1k of online spend ($2k total per month).

    Thanks!

  26. Hi Aaron,
    Wanted to point out that the UOB Prvi Miles cards has a maximum spending limit per principal card account for the Apr-Jun promotion period – S$2,000 for Agoda, and S$3,000 for Expedia & UOB Travel.
    I was going to use the card when I realized I’d already exceeded the limit.
    Thanks!

  27. Hi Aaron. I haven’t visited this page for a while and realised that insurance has been added as a category. Nice!

    For insurance, I’ve been able to obtain 1.4 mpd SCVI so far (at least over last 2 years?) with min $2k transaction per statement month. I’d usually call up SC to confirm first before making the payment, however.

    1. thank you for this data point. what’s interesting is that the T&C of the SCB visa infinite exclude “certain insurance premiums charged to the VI card”, so there may be some issues depending on who your provider is

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