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No Woman No Cry (Part 2): Surviving the upcoming DBS Woman’s Card and UOB Lady’s Cards nerfs

16

This feels oddly familiar.

Just over a year ago, I wrote about the double-barrelled nerfs to the DBS Woman’s World Card and UOB Lady’s Solitaire Card, which saw significant cuts to their bonus caps.

Now, we’re on the cusp of another such devaluation, and this time the two cards are even syncing their changes to take place on the same day: 1 August 2025. While neither is suffering a fatal blow, these nerfs are going to reduce their utility considerably and, in the case of the UOB Lady’s Solitaire Card, perhaps nudge people towards the UOB Lady’s Card instead.

Recap: What’s getting nerfed?

DBS Woman’s World Card

DBS Woman’s World Card
  Till 31 Jul 25 From 1 Aug 25
Bonus Earn 4 mpd on online transactions
Bonus Cap S$1,500 per calendar month S$1,000 per calendar month

From 1 August 2025, the DBS Woman’s World Card will cut its monthly 4 mpd bonus cap for online transactions from S$1,500 to S$1,000 per calendar month. 

All other earn rates remain the same, namely an uncapped 1.2 mpd for foreign currency spending, and 0.4 mpd for any spend in excess of the online bonus cap.

💳 DBS Woman’s World Card
(From 1 Aug 25)

  First S$1,000 Beyond S$1,000
Online (Local) 4 mpd 0.4 mpd
Online (FCY) 4 mpd 1.2 mpd
Offline (Local) 0.4 mpd 0.4 mpd
Offline (FCY) 1.2 mpd 1.2 mpd

The reduction to the bonus cap means a cardholder will earn a maximum of 48,000 miles per year (S$1,000 x 4 mpd x 12 months) before going into non-bonus territory, compared to 72,000 miles before.

For the full details, refer to the post below.

UOB Lady’s Solitaire Card

UOB Lady’s Solitaire Card
  Till 31 Jul 25 From 1 Aug 25
Bonus Earn 4 mpd on choice of 2 bonus categories
Bonus Cap S$2,000 shared by both bonus categories per calendar month S$1,500, split into S$750 per bonus category per calendar month

From 1 August 2025, the UOB Lady’s Solitaire Card will cut its monthly 4 mpd bonus cap on its two bonus categories from S$2,000 to S$1,500 per calendar month.

Not only that, but the bonus cap will be strictly sub-divided into S$750 per bonus category. This removes the current flexibility to allocate the bonus cap between your two bonus categories as you see fit.

For example, if I choose Dining and Travel, and spend S$1,000 on the former and S$500 on the latter, I will earn a total of 5,100 miles (S$750 @ 4 mpd + S$250 @ 0.4 mpd + S$500 @ 4 mpd). In other words, I can’t dip into the unused Travel category’s bonus cap to make up for the overspend in the Dining category.

In case you were thinking of outsmarting the system by just picking one bonus category for your UOB Lady’s Solitaire Card, think again. If you do, your monthly bonus cap will simply be S$750 in total. There’s no getting around it.

The reduction to the bonus cap means a cardholder will earn a maximum of 72,000 miles per year (S$1,500 x 4 mpd x 12 months) before going into non-bonus territory, compared to 96,000 miles before.

For the full details, refer to the post below.

Revised strategy: DBS Woman’s World Card

dbs woman's world cardDBS Woman’s World Card
Apply
Income Req. S$80,000 p.a.  Points Validity 1 year
Annual Fee S$196.20
(First Year Free)
Min. Transfer 5,000 DBS Points
(10,000 miles)
Miles with AF None Transfer Partners 4
FCY Fee 3.25% Transfer Fee S$27.25 (per xfer)
S$43.60 (per yr.)
Local Earn 0.4 mpd Points Pool? Yes
FCY Earn 1.2 mpd Lounge Access? No
Special Earn 4 mpd on online spending Airport Limo? No
Cardholder Terms and Conditions

While a 33% reduction in the bonus cap is painful, I’m not quite ready to drop the DBS Woman’s World Card yet, because I need its flexible cap for transactions that can’t earn bonuses with other cards.

You see, the key advantage of the DBS Woman’s World Card is its blacklist policy, where all online spend earns 4 mpd unless the MCC is on the exclusions list. Thankfully, this has not been touched. So it doesn’t matter whether you’re spending on shopping, food delivery, groceries, movie tickets, streaming subscriptions or airfares. As long as it’s online, you’ll earn 4 mpd.

However, the reduction does require bigger spenders to exercise more discretion when utilising the bonus cap. 

Ideally, you’ll want to use whitelist cards (where only MCCs on the inclusion list earn bonuses) whenever possible, and conserve the more flexible Woman’s cap for non-whitelisted transactions.

For example:

  • if you’re eating out, you can use the HSBC Revolution (though note the exclusion of MCC 5814), or the UOB Lady’s Card (assuming Dining is one of your bonus categories)
  • if you’re shopping at Lazada or Shopee, you can use OCBC Rewards Card (it earns 6 mpd till the end of the year!)
  • if you’re buying air tickets, then the Maybank Horizon Visa Signature might be the more sensible option (while its earn rate is lower at 2.8 mpd, it has a monthly cap of S$10,000). 

Doing so will help conserve the DBS Woman’s World Card’s bonus cap for non-whitelisted transactions, such as teleconsultations, HealthHub/Health Buddy, phone bills, furniture stores, health screenings, wine merchants, and car rentals (to the extent they can be paid for online).

Unfortunately, DBS Points earned on the DBS Woman’s World Card continue to expire after 12 months. Back when the bonus cap was S$2,000 per month, that meant cashing out up to 96,000 miles each year. With the bonus cap soon to be S$1,000, you’re limited to cashing out 48,000 miles each year— yet still paying the same S$27.25 conversion fee.

This is frustrating, but still a “sub-threshold” kind of annoyance in my book (i.e. not enough to warrant a cancellation).

Revised strategy: UOB Lady’s Solitaire Card

Apply
Income Req.
S$120,000 p.a.
Points Validity
2 years
Annual Fee
S$414.20
(FYF)
Min.
Transfer

5,000 UNI$
(10,000 miles)

Miles with AF None Transfer Partners 3
FCY Fee 3.25% Transfer Fee S$25
Local Earn 0.4 mpd Points Pool? Yes
FCY Earn 0.4 mpd Lounge Access? No
Special Earn 4 mpd on your choice of 2 bonus categories Airport Limo? No
Cardholder Terms and Conditions

Unlike the DBS Woman’s World Card, the UOB Lady’s Solitaire Card has a more restrictive whitelist policy, which limits bonuses to selected MCCs only.

Moreover, given the dynamic nature of the bonus categories, which can be changed every quarter, the impact of the nerf boils down to which categories you selected. Rather sneakily, UOB is implementing the nerf mid-quarter, which means the earliest you can modify your strategy will be 1 October 2025!

Category MCCs Description
(1) Beauty & Wellness 5912, 5977, 7230, 7231, 7298, 7297 Discount, Mass and Drug Stores, Cosmetics Stores, Barber and Beauty Shops, Health and Beauty Spa, Massage Parlours
(2) Dining 5811, 5812, 5814, 5499 Caterers, Eating places and Restaurants, Fast food restaurants and food deliveries
(3) Entertainment 5813, 7832, 7922 Bars, Taverns, Lounges and Nightclubs, Motion Picture Theatres, Theatrical Producers and Ticket Agencies
(4) Family 5411, 5641 Grocery stores, Children and Infants wear store
(5) Fashion 5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948 Department Stores, Men’s and Boy’s Clothing and Accessories Store, Women’s Ready-to-wear Stores, Women’s Access and Specialty, Family Clothing Stores, Sports and Riding Apparel Stores, Shoe Stores, Men’s and Women’s Clothing Stores, Miscellaneous Apparel and Accessories Shops, Luggage and Leather Stores
(6) Transport 4111, 4121, 4789, 5541, 5542 Local Commuter Transport, Taxi, Cabs, Limousines and Travel Service, Service Stations and Automatic Gas Dispensers
(7) Travel See here Airlines, Hotels, Cruise Liners, Duty-free Stores, Online and Regular Travel Agencies
Both local and foreign currency transactions are eligible for bonuses, whether online or offline

Travel will no doubt be hard hit, since it usually involves big ticket purchases like airfares, hotel bookings and cruises. I doubt S$750 will get you far, so this may no longer be a viable category to pick.

Instead, I’d stick to the following cards:

  • HSBC Revolution: 4 mpd on air tickets, cruises, hotels, and car rental, capped at S$1,500 per calendar month, valid till 31 October 2025
  • KrisFlyer UOB Credit Card: Uncapped 3 mpd on Singapore Airlines and Scoot tickets
  • Maybank Horizon Visa Signature: 2.8 mpd on air tickets, capped at S$10,000 per calendar month, with a minimum spend of S$800 per calendar month

Dining is still a viable option I suppose, since S$750 should comfortably cover most people’s monthly restaurant and food delivery bills. 

Transport has never been a great choice, since you’re hardly going to spend that much on public transport anyway. And even if you drive, you could earn an uncapped 4 mpd on petrol with the Maybank World Mastercard, or 4 mpd with the UOB Visa Signature (which will also be nerfed come September).

Family is also a hard category to justify choosing, since the DBS yuu Card absolutely blows everyone out of the water with 18% rebates or 10 mpd at Cold Storage and Giant.

And even if you prefer to shop at NTUC or Sheng Siong, it might be a better option to pick Fashion instead, and buy gift cards through HeyMax (MCC 5311) while still enjoying the additional bonus categories that Fashion grants.

👍 250 Max Miles joining bonus
Sign up for a HeyMax account and get up to 250 Max Miles as a welcome bonus
250 bonus Max Miles

In fact, given the range of gift cards on HeyMax (Deliveroo, foodpanda, Klook, Pelago, Courts, IKEA etc.), I would argue that Fashion is probably one of the better choices.

As for Beauty & Wellness and Entertainment, I feel they’re a bit too niche to be of interest.

Perhaps the bigger issue now is that instead of tracking a single bonus cap (of S$2,000), you’ll need to track two bonus caps (of S$750 each). Also, it does feel very odd that the entry-level UOB Lady’s Card will have a higher per category bonus cap of S$1,000 per calendar month.

Some cardholders have talked about wanting to downgrade, which might make sense if you only plan to use this card in a single bonus category. 

Other specialised spending cards

Here’s a summary of the other specialised spending cards on the market, which can help carry some of the additional load arising from the reduced bonus caps on the DBS Woman’s World Card and UOB Lady’s Solitaire.

Card Earn Rate Remarks
Citi Rewards Card
Apply
4 mpd1 Capped at S$1K per s. month
HSBC Revolution
Apply
4 mpd2 Capped at S$1.5K per c. month
OCBC Rewards Card
Apply
4 mpd3 Capped at S$1.1K per c. month
UOB Preferred Platinum Visa
Apply
4 mpd4 Capped at S$1.1K per c. month
UOB Visa Signature 
Apply
4 mpd5 Min. S$1K spend, capped at S$2K per s. month
KrisFlyer UOB Credit Card
Apply
2.4 mpd6 Min. S$1K spend on SIA Group per membership year
1. For online transactions except travel and in-app mobile wallet
2. For travel, department stores, shopping, dining, transport and membership clubs. Bonus cap reduced to S$1,000 per month from 1 November 2025
3. For shopping and pharmacies
4. For in-person mobile contactless, and online dining, groceries, entertainment, shopping
5. For FCY spend, contactless and petrol
6. For dining, food delivery, online shopping, online travel and transport

Do note that the definition of bonus categories will differ between banks. Always refer to the T&Cs for the most up to date information.

Conclusion

Both the DBS Woman’s World Card and UOB Lady’s Solitaire Cards will have their bonus caps cut from 1 August 2025, the former to S$1,000, and the latter to S$1,500 (or more accurately, 2x S$750).

The overall effect is the loss of a further 48,000 miles per year across both cards, though it’s likely to be more given how finicky it will be to manage two separate bonus caps for the UOB Lady’s Solitaire Card.

If it’s any consolation, there should still be plenty of 4 mpd capacity offered by other specialised spending cards out there, with uncapped 2.8-3.2 mpd earn rates available as well. It means more micromanagement, but those willing to invest the time can still reap the rewards. 

How are you dealing with the DBS Woman’s World Card and UOB Lady’s Solitaire Card nerfs?

Extended: UOB Visa Infinite Metal Card 80,000 miles welcome offer

12

The UOB Visa Infinite Metal Card has been offering an 80,000 miles welcome bonus for some time now, ever since its refresh in June 2023 which buffed the overseas earn rate to 2.4 mpd and added an unlimited-visit DragonPass membership for the cardholder and one guest.

This offer has been periodically renewed, and the latest extension sees it offered for applications up till 31 August 2025.

UOB Visa Infinite Metal Card 80,000 miles welcome offer

From now till 31 August 2025, new UOB Visa Infinite Metal Cardholders who pay the S$654 annual fee and spend at least S$4,000 within 30 days of approval will receive:

  New customers Existing customers
Pay S$654 annual fee 25,000 miles 25,000 miles
Spend S$4,000 within 30 days of approval 55,000 miles 15,000 miles
Total 80,000 miles 40,000 miles

Unlike most UOB sign-up offers, there is no cap on the number of eligible applicants. 

New customers are defined as those who:

  • do not currently hold any principal UOB credit cards, and
  • have not cancelled a principal UOB credit card in the past six months prior to the commencement of the promotion period

Given the S$654 annual fee, you’re basically paying 0.82 cents (new) or 1.64 cents (existing) per mile. Back when S$200 Grab vouchers were thrown into the mix, the value was even better, but now I’d only consider it if I met the new customer criteria.

Bonus miles are awarded on top of the regular base miles, so if you spent the entire S$4,000 on local spend at 1.4 mpd, you’ll have a total of 85,600 miles (new-to-bank) or 45,600 miles (existing).

What counts as qualifying spend?

The UOB Visa Infinite Metal Card is one of the few cards to still offer points on education

A minimum qualifying spend of S$4,000 must be clocked within 30 days of approval. 

Eligible transactions include all retail transactions in local or foreign currency, and a full list of exclusions can be found at point 1.5 of the T&Cs.

The key exclusions to highlight are:

  • Charitable donations
  • Government payments
  • Hospitals
  • Insurance
  • ipaymy
  • Prepaid account top-ups (e.g. GrabPay or YouTrip)
  • Utilities
  • UOB Payment Facility

For avoidance of doubt, CardUp and education transactions are eligible to earn miles, and will count towards minimum spend.

Supplementary cardholder spending will be pooled with the principal cardholder’s in determining if the minimum spend has been met. And before you say “isn’t that obvious?”, remember that UOB is not above such shenanigans.

When will the bonus be credited?

The 25,000 miles for paying the annual fee will be credited (in the form of 12,500 UNI$) two months after the annual fee is posted. 

The additional 55,000/15,000 miles for new/existing customers will be credited (in the form of 27,500/7,500 UNI$) two months after the annual fee is posted. 

Terms and Conditions

The full T&Cs for this offer can be found here.

What can you do with UNI$?

UNI$ transfer to frequent flyer programs at a 1:2 ratio, with a minimum transfer block of 5,000 UNI$ (let’s ignore AirAsia, because converting points there is like throwing them away):

Frequent Flyer Programme Conversion Ratio
(UNI$: Partner)
krisflyer logo 5,000 : 10,000
asia miles logo 5,000 : 10,000
2,500 : 4,500

UOB Visa Infinite Metal Cardholders enjoy a waiver of the usual S$25 conversion fee, and since UNI$ pool, you can use the Visa Infinite Metal Card as a conduit to convert UNI$ earned on other UOB cards for free too.

Annual lounge visits will be removed from 2026

Plaza Premium Lounge Singapore
Plaza Premium Lounge Singapore

If you’re planning to apply for this card, you should be aware that from 1 June 2026, the UOB Visa Infinite Metal Card will no longer offer unlimited DragonPass lounge visits, together with one guest. Instead, the entitlement will be capped at 12x visits per 12-month membership period.

UOB is providing plenty of notice, so you still have slightly less than one year to enjoy the perk. However, do remember that UOB has also quietly added a cooldown period of at least four hours between DragonPass utilisations, which makes lounge hopping close to impossible.

Overview: UOB Visa Infinite Metal Card

Apply
Income Req.
S$120,000 p.a.
Points Validity
2 years
Annual Fee
$654 Min.
Transfer

5,000 UNI$
(10,000 miles)

Miles with
Annual Fee
25,000 Transfer
Partners
3
FCY Fee 3.25% Transfer Fee Waived
Local Earn 1.4 mpd Points Pool? Yes
FCY Earn 2.4 mpd Lounge Access? Yes
Special Earn N/A  Airport Limo? No
Cardholder Terms and Conditions

The UOB Visa Infinite Metal Card has a minimum income requirement of S$120,000 and a non-waivable annual fee of S$654.

Cardholders receive 25,000 miles each year the annual fee is paid, and enjoy perks such as: 

  • Unlimited DragonPass lounge visits for cardholder + 1 guest
  • Up to US$1 million travel accident insurance
  • Complimentary golf games at Sentosa Golf Club, and 50% off green fees at clubs across Southeast Asia
  • A waiver of the usual S$25 admin fee for miles conversions

Key drawbacks to note include S$5 earning blocks and the lack of an airport limo benefit.

For the full analysis of the card’s perks and drawbacks, refer to the post below.

Review: UOB Visa Infinite Metal Card

Conclusion

The UOB Visa Infinite Metal Card has extended its 80,000 miles sign-up offer till 31 August 2025. A minimum spend of S$4,000 is required, but it does include education expenses, a commonly-excluded category. 

With the bonus miles and other benefits, it could still be worth considering for new-to-bank customers- at least for the first year. From the second year onwards, you’ll have to decide whether the ongoing perks make renewal worthwhile, and with the loss of the monthly Grab vouchers, the case becomes more marginal.

DBS Takashimaya AMEX offering S$80 welcome gift for existing DBS cardholders

4

The DBS Takashimaya AMEX has the unique distinction of being the only DBS card to consistently extend a welcome offer even to existing DBS cardholders.

This could be extremely lucrative back in the day, but unfortunately, it’s become less compelling over time. The most recent promotion, which ended on 30 June 2025, offered a mere S$60 worth of Takashimaya vouchers— hardly Christmas!

If it’s any consolation, the latest deal marks an improvement, with S$80 cashback available to existing DBS/POSB cardmembers who spend at least S$300 within 30 days of approval.

It’s better than nothing, since signing up for an additional card with other banks normally leaves you empty-handed.

DBS Takashimaya AMEX Card new welcome offer

Apply

Existing DBS/POSB cardmembers who apply and receive approval for a DBS Takashimaya AMEX Card from 1 June to 31 August 2025 will receive S$80 cashback.

For the avoidance of doubt, this welcome offer is not available for the DBS Takashimaya Visa Card.

❓ Definitions
  • New DBS/POSB cardmembers: Customers who do not currently hold a principal DBS/POSB credit card, and have not cancelled one in the past 12 months
  • Existing DBS/POSB cardmembers: Customers who currently hold a principal DBS/POSB credit card, and have not cancelled a principal DBS Takashimaya AMEX/Visa in the past 12 months

A minimum spend of S$300 within 30 days of approval is required at:

  • Takashimaya Department Store (excluding Cold Storage, Food Village, selected food merchants at B2 Food Hall, alteration, shoe repair, dry-cleaning, delivery and any other services)
  • Takashimaya Online Store
  • Participating speciality stores at Takashimaya Shopping Centre

There is no cap on the maximum number of eligible applicants. The first year’s annual fee is waived, so it’s basically free money if you meet the eligibility criteria.

In addition to this, new DBS/POSB cardmembers will enjoy a further S$100 cashback, for a total of S$180 cashback.  However, if you meet the new cardmember definition, this should not be the first DBS card you apply for. Instead, you should take advantage of a different DBS welcome offer, then apply for the DBS Takashimaya AMEX subsequently.

For example, new cardmembers can currently enjoy S$500 eCapitaVouchers, Sony PlayStation 5 consoles, Dyson gadgets or other gifts when they sign up for a DBS/POSB card via SingSaver. This is far superior to S$180 cashback!

Qualifying spend period

Cardholders will need to make a minimum qualifying spend of S$300 within 30 days from the date of approval.

For example, if your card is approved on 15 March 2025 the qualifying spend period is 15 March to 14 April 2025.

When will the gift be credited?

The welcome gift will be credited within three months from the end of the qualifying spend period.

Terms and conditions

The full T&Cs for the DBS Takashimaya AMEX card welcome offer can be found here.

Conclusion

Apply

The DBS Takashimaya AMEX is now offering S$80 cashback to existing DBS/POSB cardmembers, an improvement over the previous offer of S$60 worth of Takashimaya vouchers.

However, those who meet the new DBS/POSB cardmember definition should be applying for another card first, since there are better offers to be found elsewhere. The current SingSaver deal, for instance, gives S$500 eCapitaVouchers or other gifts. You can subsequently apply for a DBS Takashimaya AMEX as an existing customer and still enjoy some cashback.

Earn up to 9 mpd on Pelago bookings for July 2025

1

Back in October 2024, Pelago made its Kris+ debut, enabling users of Singapore Airlines’ lifestyle app to earn bonus miles when booking attractions, activities, tours and transportation worldwide.

S$5 for new Kris+ Users
Get S$5 (in the form of 750 KrisPay miles) when you sign-up with code W644363 and make your first transaction

To mark the launch, the earn rate for Pelago bookings via Kris+ was boosted to 10 mpd, an excellent deal by any means. Since then, we’ve seen other promotional rates on offer:

Kris+ has now unveiled its deal for July 2025, which features a repeat of last month’s 5 mpd earn rate for Pelago bookings. This is further stackable with up to 4 mpd with the right credit cards, for an overall earn rate of up to 9 mpd.

Kris+ offering extra 5 mpd on Pelago bookings

From 1-31 July 2025, all Pelago bookings made via the Kris+ app will earn an extra 5 mpd, on top of credit card miles. While the booking must be made during this period, the experience can be for any future date.

To make Pelago bookings via Kris+, update your app to the latest version, then look for the Pelago icon at the top of the screen. This will send you to the Pelago website (now with shopping cart functionality!), where you’ll select your activity and make payment via the Kris+ app.

The 5 mpd rate is applicable to anything you can find on Pelago, whether it’s tours, attraction tickets, eSIMs, spa treatments, airport transfers, bus tickets, train tickets and more. 

Here’s a summary of the differences between booking Pelago activities via Kris+, versus the mobile app or website.

  Pelago Booking via
Kris+ Mobile App or Website
Earn Rate 5 mpd 3 mpd
Maximum Per Booking None^ 50,000 miles
Miles Credited Instant 7 days after activity completion
Promo Codes No Yes*
HeyMax / ShopBack No Yes (website)
^The maximum payment that can be made via Kris+ is capped at S$20,000 per day
*Promo codes cannot be stacked with Heymax or ShopBack. Using a promo code will result in your Max Miles or cashback not tracking

The key advantage of booking via Kris+, apart from the upsized earn rate, is the fact that miles are credited instantly. If you were to book via the website or mobile app, miles are only credited after activity completion (don’t get any bright ideas; if you cancel an activity booked via Kris+, miles will be clawed back from your account).

However, Pelago bookings made via Kris+ do not allow the use of promo codes. For example, if you have a Singapore Airlines PNR, you won’t be able to enjoy the 10% discount offered to passengers. In that situation, you’re trading extra miles for a 10% discount, which may or may not make sense depending on how much you value a mile (keep in mind the 10% discount is capped at S$50).

Remember to transfer your miles!

Don’t forget to transfer any KrisPay miles earned to KrisFlyer within 21 days of the transaction, in their entirety.

If you wait longer than 21 days, or spend any of the accrued miles, the balance will be stuck in Kris+. Miles in Kris+ expire after six months, and can only be spent at a relatively poor rate of 100 miles = S$1.

A big “Transfer to KrisFlyer” button appears after every transaction, so there’s no excuse!

Alternatively, you can activate the new Kris+ auto-transfer feature, which ensures that any miles earned are automatically transferred to your KrisFlyer account. 

HeyMax alternative

👍 250 Max Miles joining bonus
Sign up for a HeyMax account and get up to 250 Max Miles as a welcome bonus
250 bonus Max Miles

If you’re not insistent on earning purely KrisFlyer miles, then it’s worth exploring the HeyMax alternative.

HeyMax is currently offering 2-10 Max Miles per S$1 for Pelago website bookings, which can be stacked with the regular 3 KrisFlyer miles per S$1 and up to 4 mpd from the right credit card. Most activities fall into the 8 Max Miles per S$1 bracket, so you should be earning more miles (in absolute terms) than Kris+.

The catch, if you want to call it that, is that Max Miles cannot be converted into KrisFlyer miles. Indirect conversions via yuu Rewards Club are possible, but the rate is not very attractive outside of the 20% milesback offered during Max Miles day. 

But I really see this as a feature, not a bug, since you can convert Max Miles to 28 airline and hotel loyalty programmes at a 1:1 ratio. Why settle for KrisFlyer?

✈️ HeyMax Airline Partners
  • Air Canada Aeroplan
  • Air France-KLM Flying Blue
  • Air India Maharaja Club
  • Alaska Mileage Plan
  • American Airlines AAdvantage
  • Avianca LifeMiles
  • British Airways Executive Club
  • Emirates Skywards
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Frontier Miles
  • GarudaMiles
  • Hainan Fortune Wings Club
  • Qantas Frequent Flyer
  • Qatar Privilege Club
  • THAI Royal Orchid Plus
  • Turkish Miles&Smiles
  • United MileagePlus
  • Vietnam Airlines Lotusmiles
  • Velocity Frequent Flyer
🏨  HeyMax Hotel Partners
  • Accor Live Limitless
  • Hilton Honors
  • IHG One Rewards
  • Marriott Bonvoy
  • Radisson Rewards
  • Shangri-La Circle
  • World of Hyatt
  • Wyndham Rewards

What card to use with Pelago?

Pelago transactions made on Kris+ will code as MCC 4722 Travel Agencies and Tour Operators, so you can pay with the following cards to earn up to an additional 4 mpd.

Card Earn Rate Remarks
UOB Lady’s Solitaire
Apply
4 mpd Max S$2K per calendar month. Must choose Travel as bonus category
Review
UOB Lady’s Card
Apply
4 mpd Max S$1K per calendar month. Must choose Travel as bonus category
Review
DBS Woman’s World Card
Apply
4 mpd Max S$1.5K per calendar month
Review
KrisFlyer UOB Card
Apply
3 mpd No cap
Review

Avoid using the Citi Rewards Card, as MCC 4722 is classified as a travel transaction and explicitly excluded from earning the bonus 4 mpd rate for online transactions.

Also, the HSBC Revolution is no longer an option, following the January 2024 removal of MCC 4722 from its bonus whitelist.

Conclusion

From 1-31 July 2025, all Pelago bookings made through Kris+ will be rewarded with an extra 5 mpd, on top of the usual credit card rewards of up to 4 mpd.

This means an overall earn rate of up to 9 mpd, which though lower than past promotions, is still a generous return in the grand scheme of things. Moreover, miles from Pelago bookings made through Kris+ are credited instantly, instead of upon activity completion.

If you see something you’re interested in booking, consider doing so during this promotional period to maximise your rewards.m

Standard Chartered Visa Infinite offering 50,000 miles sign-up bonus

8

The Standard Chartered Visa Infinite isn’t particularly known for sign-up bonuses. You have to go back nearly two years to find the last one, which offered 45,000 bonus miles for new-to-bank customers only.

Since then, the card has reverted to its regular offer of 35,000 bonus miles for paying the first year’s annual fee, which I wouldn’t consider to be a sign-up bonus in the strictest sense of the word (since there’s no further reward for spending).

However, Standard Chartered has now launched a new welcome offer worth up to 50,000 bonus miles for the StanChart Visa Infinite. This was originally set to end on 30 June 2025, but has now been extended to 30 September 2025.

Even better, this offer is available to both new and existing cardholders, so holding another StanChart credit card won’t disqualify you. 

StanChart Visa Infinite 50,000 miles welcome offer

StanChart Visa Infinite
Apply

From 1 April to 30 September 2025, new applicants for a StanChart Visa Infinite card will receive a total of 50,000 bonus miles when they pay the first year’s S$599.50 annual fee and spend at least S$2,000 within 60 days of approval.

💳 StanChart Visa Infinite Welcome Offer
Criteria Bonus Miles
Pay S$599.50 annual fee 25,000 miles
Spend S$2,000 within the first 60 days of approval 25,000 miles
Total 50,000 miles

Both new and existing Standard Chartered cardholders are eligible for this offer. If you’re a new cardholder, however, you can get an extra S$100 cash for applying via SingSaver.

❓Definition

New cardholders are defined as those who do not currently hold a principal Standard Chartered credit card, and have not cancelled one in the past 12 months.

However, if you meet this definition, you might want to apply for a StanChart Simply Cash Card instead, which is offering S$360 cash with a minimum spend of S$800 in 30 days. You can then apply for the StanChart Visa Infinite as an existing customer and still enjoy 50,000 bonus miles.

It’s worth noting that historically the StanChart Visa Infinite has offered 35,000 miles for paying the first year’s annual fee, so the “real” spending bonus here is more like 15,000 miles. 

These bonus miles are awarded on top of the StanChart Visa Infinite’s regular earn rates, so cardholders could earn between 52,000 to 56,000 miles in total, depending on how their S$2,000 spend is distributed.

💳 StanChart Visa Infinite Earn Rates
  Spend <S$2K per statement month Spend ≥S$2K per statement month
Local Spend 1 mpd 1.4 mpd
FCY Spend 1 mpd 3 mpd

This would be sufficient for a one-way Business Class Saver award between Singapore and Japan or South Korea on Singapore Airlines.

What counts as qualifying spend?

Cardholders are required to spend at least S$2,000 within 60 days of approval.

Qualifying spend includes both local and foreign currency transactions made online or in-store, excluding transactions on the general exclusions list.

  • Charitable donations
  • Education
  • Government agencies
  • Hospitals
  • Insurance premiums
  • Prepaid account top-ups
  • Utility bills

For the avoidance of doubt, CardUp, SC EasyBill, and Income Tax Payment Facility transactions do count towards qualifying spend, so if you have income tax, insurance premiums or other bills to pay through these platforms, that would be a way of clocking the S$2,000 minimum spend.

When are bonus miles credited?

The 25,000 bonus miles for paying the first year’s annual fee will be credited within 30 days of the card activation date.

The remaining 25,000 bonus miles for meeting the minimum spend will be credited according to the following timeline.

Card Approval Month Welcome Gift Credited By
April 2025 31 August 2025
May 2025 30 September 2025
June 2025 31 October 2025
July 2025 30 November 2025
August 2025 31 December 2025
September 2025 31 January 2026

All bonus miles are awarded in the form of 360° Rewards Points.

As with any StanChart welcome offer, be aware that you will not receive the bonus miles if your card is blocked- even if you did it voluntarily, as a security measure! 

PSA: Beware about locking your Standard Chartered credit cards!

What can you do with 360° Rewards Points?

Standard Chartered used to have 10 airline and hotel transfer partners, one of the widest ranges in Singapore.

Unfortunately, that all changed in March 2024, when nine of them were dumped. Cathay Pacific Asia Miles was added, but the overall lineup is a lot thinner than before. 

Frequent Flyer Programme
Conversion Ratio
(SC Points: Partner)
VI, Journey, Beyond All Others
25,000 : 10,000 34,500 : 10,000
25,000 : 10,000 34,500 : 10,000

Do note that Standard Chartered divides its credit cards into two tiers:

  • Tier 1: StanChart Beyond, Journey, Visa Infinite, Priority Visa Infinite
  • Tier 2: All other cards

Tier 1 cards enjoy a preferential conversion ratio, as shown in the table above. Points pool within tiers, but not across tiers (so you can’t combine Tier 1 and 2 points in a single redemption, for example). 

Transfers cost S$27.25 each, regardless of the number of points transferred. 

Terms & Conditions

The terms & conditions for the StanChart 50,000 miles welcome offer can be found here.

The terms & conditions for the SingSaver gifts can be found here.

Is this a good deal?

We don’t see welcome offers for the StanChart Visa Infinite very often, so if this card has been on your radar, then now would be a great time to apply. Paying S$599.50 for 50,000 bonus miles works out to 1.2 cents per mile, which is a good price by market standards (and if you qualify for the SingSaver S$100 cash gift, the cost per mile is just 1 cent).

But welcome bonus aside, I find the StanChart Visa Infinite to be a very underwhelming card. 

While its earn rates of 1.4 mpd and 3 mpd on local and FCY spend are competitive for a general spending card, you will need to spend at least S$2,000 in a statement month to enjoy that rate. If you spend less than S$2,000, the earn rate is a miserly 1 mpd for both.

Cardholders can also utilise the StanChart Income Tax Payment Facility to buy miles from 1.36 cents each when paying their income tax bill. Standard Chartered does not pay IRAS directly, but instead deposits the amount due into your bank account, leaving you to arrange payment on your own. You can then buy additional miles by paying the tax bill with CardUp or Citi PayAll, or simply continue with monthly GIRO installments as per normal.

Apart from this, the only benefit of note is six complimentary Priority Pass lounge visits per year, which is very mediocre for a card with an annual fee of almost S$600.

So if you do decide to get this card, it should just be for a year at most!

Conclusion

StanChart Visa Infinite
Apply

The StanChart Visa Infinite is now offering a sign-up bonus of 50,000 miles, available to both new and existing StanChart cardholders. This requires a minimum spend of S$2,000 in the first 60 days, as well as payment of the first year’s S$599.50 annual fee.

The cost per mile is an attractive 1.2 cents each, though keep in mind that Standard Chartered’s list of transfer partners has been cut to just KrisFlyer and Asia Miles, having ditched other partners like Qatar Airways and Flying Blue about a year ago. Moreover, if you’re a new StanChart cardholder, you can get an extra S$100 cash from SingSaver, lowering the cost per mile further. 

Given how underwhelming the card’s other features are, however, your plan should be to hold it for no more than a year. There are much more compelling cards in its segment that offer equivalent or superior benefits for less!

FAQs: Earning Max Miles with the Chocolate Visa Debit Card

10

On 11 February 2025, Chocolate Finance partnered up with HeyMax to offer Chocolate Visa Debit Cardholders 2 Max Miles per S$1 on virtually everything — even AXS, charitable donations, education, hospitals, insurance premiums, and utilities.

This was really too good to be true, and as expected, AXS transactions were quickly blocked. Barely a few months later, Chocolate announced that it would be cutting earn rates in half, and placing a monthly cap of 100 miles on all bill payments.

That nerf came into effect on 1 July 2025, so it’s time to update this post with the latest information.

  Note: This article is only intended to cover the Chocolate Visa Card x HeyMax tie-up. If you have questions about the Chocolate Finance account specifically, do refer to their official FAQs.

Opening a Chocolate Visa card and linking to HeyMax

How do I create a Chocolate Visa?

Download

To create a Chocolate Visa Card, you’ll first need to open a Chocolate Finance account. This can be created by downloading the app and registering using SingPass MyInfo.

Once completed, you’ll be able to add funds and instantly create a Chocolate Visa Card (you must have at least S$0.01 in your account to create a card).

A virtual card will be issued immediately, which can be used for online transactions, or added to Apple Pay or Google Pay for in-store payments using your mobile phone. There’s also the option of ordering a physical card, if you need a fallback option for situations where contactless payments aren’t accepted.

My physical card took about five days to be received, but with the recent surge in applications, you should expect wait times of 4-5 weeks.

How do I create a HeyMax account and link my Chocolate Visa?

👍 250 Max Miles joining bonus
Sign up for a HeyMax account and get up to 250 Max Miles as a welcome bonus
250 bonus Max Miles

To earn Max Miles with the Chocolate Visa Card, you’ll need to create a HeyMax account. 

Once done, you must pair the Chocolate Visa Card with HeyMax under Your Cards > Add Card. A test transaction of S$0.01 will be charged and refunded within 14 days.

Can I earn Max Miles for transactions made prior to linking?

No. Be sure to link your Chocolate Visa to HeyMax before making any transactions.

Can I link more than one Chocolate Visa to a given HeyMax account?

No. You can link a maximum of one Chocolate Visa Card to one HeyMax account at any time.

In any case, the monthly bonus cap is set at the HeyMax account level, not the Chocolate Visa Card level. In other words, even if you were to link and unlink multiple Chocolate Visa Cards,  your account would still be capped at earning 1 Max Mile per S$1 at a maximum of S$1,000 per calendar month.

Does the Chocolate Visa have any annual fee?

No.

Does the Chocolate Visa have any minimum income requirement?

No.

Earning Max Miles

How many Max Miles will I earn?

The Chocolate Visa Card awards:

  • 1 Max Mile per S$1 on the first S$1,000 of spend per calendar month
  • 0.4 Max Miles per S$1 on all spend above S$1,000 per calendar month

For example, spending S$1,500 would earn you 1,200 Max Miles (S$1,000 @ 1 mpd + S$500 @ 0.4 mpd).

This applies to both online and offline transactions, in local or foreign currency (FCY).

Do note that the cap is based on the HeyMax account level, not the Chocolate Visa Card level. For example, if you were to pair one Chocolate Visa Card with your HeyMax account, spend S$1,000, then delink it and pair a second Chocolate Visa Card to the same HeyMax account, any subsequent spending on the second card would earn only 0.4 Max Miles per S$1.

You cannot combine or pool Max Miles across different accounts. 

What transactions are excluded from rewards?

Transactions with the following MCCs will be ineligible to earn Max Miles. 

❌ Excluded Transactions
MCC Merchant Category Name
4829 Money Transfer
6010 Financial Institutions – Manual Cash Disbursements
6011 Financial Institutions – Automated Cash Disbursements
6012 Financial Institutions – Merchandise, Services and Debt Repayment
6050 Quasi Cash – Financial Institutions, Merchandise, Services
6051 Non-Financial Institutions – Foreign Currency, Money Orders (Not Wire Transfer), Stored Value Card/Load, Travelers Cheques, and Debt Repayment
6529 Quasi Cash – Remote Stored Value Load – Financial
6530 Quasi Cash – Remote Stored Value Load – Merchant
6540 Non-Financial Institutions – Stored Value Card
Wallet top-ups such as EZ-Link & SimplyGo wallet
Payments at AXS

These MCCs are related to money transfers and prepaid account top-ups, like GrabPay and YouTrip.

What transactions are subject to earning caps?

From 1 July 2025, Chocolate Visa Cardholders are capped at earning a maximum of 100 Max Miles per calendar month from bill payments, defined as transactions with the following MCCs.

MCC Category
MCC 4900–4999
Utilities
MCC 6300–6399
Insurance
MCC 6513, 6531
Real Estate and Property Management
MCC 7311–7399
Business Services
MCC 8011–8099
Medical Services, Health Practitioners,  Hospitals, Dentists
MCC 9311–9399
Government Services
For the avoidance of doubt, the 100 miles cap is shared among all categories

Do exercise caution with MCC 7399, which includes CardUp, Points.com, and possibly some Shopee transactions. 

For the avoidance of doubt, charitable donations and education are not subject to the 100 Max Miles cap.

Do I still earn miles if I set up my card as a recurring payment?

Yes. It doesn’t matter whether you make one-time or recurring payments, so long as the transaction’s MCC does not feature on the exclusion list, you’re good.

What if I’m paying in foreign currency?

The Chocolate Visa Card has no foreign currency transaction fees. Foreign currency transactions will be converted into SGD at the prevailing Visa rate, with no further markup.

You can use the official Visa calculator here to check how much you’ll pay (set the bank fee at 0%).

Is the Chocolate Visa Card subject to any transaction limits?

There is a maximum limit of S$1,000 per transaction and S$20,000 per day on the Chocolate Visa Card.

Unlike wallet-backed cards like Revolut or YouTrip, there is no annual spend limit.

What’s the minimum spend required to earn Max Miles?

Previously, the minimum spend required to earn Max Miles is S$0.50.

This has since been removed, and you will earn Max Miles no matter the transaction size. 

How are Max Miles calculated?

To calculate the Max Miles earned, multiply your transaction amount by 1 round it up to 1 decimal place. For example, a S$10.10 transaction will earn 10.1 Max Miles.

When are Max Miles credited?

Max Miles will be tracked as soon as the payment is charged to your card (you can check this in the HeyMax app).

They will be credited once the transaction posts, which can take anywhere from 1-7 days depending on merchant. This is not within the control of Chocolate Finance or Heymax.

What is the Miles Multiplier?

The Miles Multiplier feature awards bonus Max Miles based on the monthly average balance (MAB) in your Chocolate Finance account.

Monthly Average Balance
(MAB)*
Multiplier %
<S$5K 0%
S$5K to <S$10K 5%
S$10K to <S$15K 10%
S$15K to <S$20K 15%
S$20K to <S$25K 20%
S$25K to <S$30K 25%
 … … 
S$100K and above 100%
*Includes both SGD and USD balances

Customers will earn a 5% multiplier for every S$5,000 MAB with Chocolate, capped at S$100,000 or 100%. The Miles Multiplier applies to all spending on the Chocolate Visa Card, not just the first S$1,000.

For example, if John has a S$50,000 MAB and spends S$1,300 on his Chocolate Visa Card during the month, he will receive 1,120 base Max Miles (S$1,000 x 1 mpd + S$300 x 0.4 mpd) and 560 bonus Max Miles (50% x 1,120).

Bonus Max Miles will be automatically credited in the first week of the following month. 

When will the promotion end?

There is currently no end date for this promotion.

Using Max Miles

Do Max Miles expire?

No.

Are there any conversion fees?

No.

What programmes can I convert Max Miles to?

Max Miles can be converted at a 1:1 ratio to 28 airline and hotel partners.

✅ HeyMax Transfer Partners
✈️ Airlines
  • Air Canada Aeroplan
  • Air France-KLM Flying Blue
  • Air India Maharaja Club
  • Alaska Mileage Plan
  • American Airlines AAdvantage
  • Avianca LifeMiles
  • British Airways Executive Club
  • Emirates Skywards
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Frontier Miles
  • GarudaMiles
  • Hainan Fortune Wings Club
  • Qantas Frequent Flyer
  • Qatar Privilege Club
  • THAI Royal Orchid Plus
  • Turkish Miles&Smiles
  • United MileagePlus
  • Velocity Frequent Flyer
  • Vietnam Airlines Lotusmiles
🏨 Hotels
  • Accor Live Limitless
  • Hilton Honors
  • IHG One Rewards
  • Marriott Bonvoy
  • Radisson Rewards
  • Shangri-La Circle
  • World of Hyatt
  • Wyndham Rewards

What programme should I transfer Max Miles to?

For more on the sweet spots you can redeem with Max Miles, refer to this post. 

Are there any other uses for Max Miles?

In addition to airline and hotel programme conversions, Max Miles can also be used to:

  • Pay for commercial air tickets at a rate of 2 cents per mile, using the FlyAnywhere option
  • Redeem vouchers and gift cards at a rate of 1 cent per mile

Other questions

Can I withdraw money from an ATM using my Chocolate Visa Card?

No.

What precautions should I take?

As the Chocolate Visa Card is a debit card, not a credit card, you should take additional precautions with regards to fraud.

That’s because any successful fraudulent transactions will be immediately debited from your account balance, as opposed to a credit card where the bill is only payable later, giving you time to spot the transaction, report it, and receive a temporary credit pending further investigation. 

There is, of course, a proper fraud reporting process to get such transactions reversed from your account, but you’ll be out of pocket during the investigation period. Mind you, these concerns aren’t unique to the Chocolate Visa; it’s the same for every debit card. 

To be extra safe, I recommend locking your card via the Chocolate app whenever it’s not in use. This can be done via the app with a few taps.

Conclusion

Chocolate Visa Card
Apply here

Prior to July 2025, the Chocolate Visa Card offered an excellent earn rate of 2 Max Miles per S$1 on almost everything. Unfortunately, that has now been cut in half, and with a monthly cap of 100 Max Miles on bill payments, the value proposition is a lot less attractive than before.

While it is possible to buff the earn rate through the Miles Multiplier feature, this requires you to deposit and hold funds in your Chocolate Finance account. I’ll leave it to the financial experts to comment on whether a return of 3% p.a. on the first S$20,000 and 2.7% p.a. on the next S$30,000 is respectable, but either way, the Miles Multiplier only adds an incremental 0.24% p.a. to your earn rate, and shouldn’t be a major factor in your decision.

At least this card still doesn’t charge any FCY transaction fees, so using it overseas would help you save on conversion costs, while still enjoying some rewards.

HSBC TravelOne Card extends 33,600 miles welcome bonus

2

The HSBC TravelOne Card is offering a welcome bonus of up to 33,600 miles, which has now been extended to cover applications submitted by 31 August 2025. This represents a 40% increase from the previous 24,000 miles welcome offer which lapsed at the end of March. 

The minimum spend has also risen from S$800 to S$1,000, but this is proportionately less than the increase in the welcome bonus, so each dollar of spend now earns a greater return. 

The HSBC TravelOne Card offers solid value for its first year, with perks like 8x airport lounge visits, instant points conversions with no admin fees, and the widest range of transfer partners in Singapore (though it’s not a great card if you insist on using KrisFlyer exclusively).

HSBC TravelOne Card offering up to 33,600 miles welcome bonus

Apply

From 1 April to 31 August 2025, customers who apply for a HSBC TravelOne Card will receive a welcome bonus of up to 33,600 miles, as summarised in the table below.

  New HSBC Cardholder Existing HSBC Cardholder
First S$500 Spend 25,000 miles
(62,500 HSBC points)
13,000 miles
(32,500 HSBC points)
Next S$500 Spend 8,600 miles
(21,500 HSBC points)
8,600 miles
(21,500 HSBC points)
Welcome Bonus 33,600 miles
(84,000 HSBC points)
21,600 miles
(54,000 HSBC points)

Cardholders must meet a minimum spend of S$500 or S$1,000 to receive the bonus miles. For the avoidance of doubt, they can choose to spend just S$500 to receive 25,000 miles (new) or 13,000 miles (existing), or S$1,000 to receive 33,600 miles (new) or 21,600 miles (existing).

In addition to meeting the minimum spend all applicants must also:

  • Pay the first year’s S$196.20 annual fee
  • Provide consent to receiving marketing and promotional materials during application (an important step that people often forget!)

The welcome bonus is in addition to the base miles that HSBC TravelOne Cardholders usually earn, namely 1.2 mpd for local currency spend, and 2.4 mpd for foreign currency spend.

For example, a new-to-HSBC cardholder who spends the full S$1,000 in foreign currency will receive a total of 36,000 miles (33,600 bonus, 2,400 base). This is the assumption that HSBC makes in its marketing materials, hence the advertised 36,000 miles figure.

Who is eligible?

HSBC defines new and existing cardholders as follows:

  • New cardholders: Customers who do not hold any existing principal HSBC credit card, and have not cancelled a principal HSBC credit card in the past 12 months
  • Existing cardholders: Customers whose most recent principal HSBC credit card was issued more than 12 months ago, and have not cancelled a principal HSBC credit card within the past 12 months

While other banks define an existing cardholder as anyone who doesn’t meet the new cardholder definition, HSBC does things a little differently.

To meet the “existing cardholder” definition, at least 12 months must have passed since your last principal HSBC credit card was approved, and you must not have cancelled any principal HSBC credit card in the past 12 months.

For example:

  • John has a HSBC Revolution Card approved <6 months ago. He will not be eligible for the HSBC TravelOne Card’s existing cardholder welcome bonus
  • Jack has a HSBC Revolution Card approved >12 months ago, and a HSBC Live+ Card approved >12 months ago. Last month, he cancelled his HSBC Live+ Card. He will not be eligible for the HSBC TravelOne Card’s existing cardholder welcome bonus either

Therefore, when it comes to HSBC, it’s possible that you’re neither new nor existing!

Is it worth it?

Given the S$196.20 annual fee, here’s the cost per mile for new and existing cardholders, depending on the minimum spend met.

  New HSBC Cardholder Existing HSBC Cardholder
Meet S$500 Min. Spend 0.78 cents 1.51 cents
Meet S$1,000 Min. Spend 0.58 cents 0.91 cents

If you’re a new cardholder who meets the S$1,000 minimum spend, your miles have a cost of just 0.58 cents each— a price I find highly attractive. 

Keep in mind that the annual fee doesn’t just get you the miles; it also gets you up to eight airport lounge visits in your first membership year, so you should assign some value to that as well.

🎁 SingSaver Offer

Should you not find the HSBC welcome offer attractive, SingSaver is running an alternative offer with a choice of:

  • Apple iPad A16 11″ Wi-Fi 128GB
  • Dyson Airwrap Origin
  • S$390 cash

The S$196.20 annual fee must be paid. This cannot be combined with the HSBC welcome offer mentioned in this article. If you’re interested in the SingSaver offer, apply via the link below.

SingSaver Offer

What counts as qualifying spend?

Cardholders must make a minimum qualifying spend of S$500 or S$1,000 by the end of the month following card approval.

Card Account Opening Date Qualifying Spend Period
1-30 April 2025 1 April to 31 May 2025
1-31 May 2025 1 May to 30 June 2025
1-30 June 2025 1 June to 31 July 2025
1-31 July 2025 1 July to 30 August 2025
1-31 August 2025 1 August to 30 September 2025
1-14 September 2025 1 September to 31 October 2025

This means that you have anywhere between 1-2 months to meet the minimum spend, depending on when your card is approved. If you have concerns about meeting the minimum spend, try to get approved early in the month so you have more time. 

Qualifying spend includes all online and offline retail transactions, excluding those found at 3.5.1 of the T&Cs.

The key exclusions to note here are insurance, utilities, education, government transactions as well as CardUp/ipaymy payments.

When will bonus miles be credited?

The welcome bonus will be credited in the form of HSBC rewards points within 120 days from the card account opening date.

Terms & Conditions

The terms & conditions of this welcome offer can be found here.

What can you do with HSBC points?

HSBC points earned on the TravelOne Card can be transferred to 20 airline and hotel partners. The conversion ratios are provided in the table below.

✈️ HSBC TravelOne Airline Partners
Frequent Flyer Programme Conversion Ratio
(HSBC Points : Partner)
50,000 : 10,000
35,000 : 10,000
35,000 : 10,000
35,000 : 10,000
35,000 : 10,000
35,000 : 10,000
krisflyer logo 30,000 : 10,000
30,000 : 10,000
25,000 : 10,000
25,000 : 10,000
25,000 : 10,000
asia miles logo 25,000 : 10,000
25,000 : 10,000
25,000 : 10,000
25,000 : 10,000
25,000 : 10,000
🏨 HSBC TravelOne Hotel Partners
Hotel Programme Conversion Ratio
(HSBC Points : Partner)
30,000 : 10,000
25,000 : 5,000
25,000 : 10,000
25,000 : 10,000

The crucial thing to know here is that not all partners share the same transfer ratio. Therefore, the effective earn rate and size of the welcome offer depends on the partner you choose.

For example, the HSBC TravelOne Card’s welcome offer for new cardholders is 84,000 HSBC points. That is equivalent to 33,600 miles only if you choose a partner with a 25,000 points = 10,000 miles transfer ratio, like British Airways Executive Club or EVA Air Infinity MileageLands. If you choose KrisFlyer, where the ratio is 30,000 points = 10,000 miles, then the new cardholder welcome bonus is equivalent to 28,000 miles instead.

Likewise, the HSBC TravelOne Card’s advertised earn rates of 1.2/2.4 mpd also assume a transfer partner with a 25,000 points = 10,000 miles transfer ratio. Otherwise, it can go as low as 0.6/1.2 mpd on the other end of the spectrum, if you pick a partner with a 50,000 points = 10,000 miles transfer ratio.

Transfer Ratio
(Points : Miles)
HSBC T1
(Local)*
HSBC T1
(FCY)^
25,000 : 10,000 1.2 mpd 2.4 mpd
30,000 : 10,000 1 mpd 2 mpd
35,000 : 10,000 0.86 mpd 1.71 mpd
40,000 : 10,000 0.75 mpd 1.5 mpd
50,000 : 10,000 0.6 mpd 1.2 mpd
*3 points per S$1 on local spend
^6 points per S$1 on FCY spend

All conversions must be done via the HSBC Singapore app (Android | iOS) and are processed instantly, with the exception of the following:

  • Hainan Fortune Wings Club: Within 5 business days
  • Japan Airlines Mileage Bank: Within 10 business days

Transfers are free of charge until further notice, and HSBC points are pooled across cards. 

While the minimum transfer block is 10,000 miles/points (Accor: 5,000 points), the subsequent block is just 2 miles (Accor: 1 point). In other words, you could choose to transfer 10,002 miles or 20,958 miles, which helps you avoid orphan points. 

Other card benefits

Four complimentary airport lounge visits

Lounge Benefit T&Cs

Principal HSBC TravelOne Cardholders enjoy four complimentary airport lounge visits per year, provided via DragonPass. These visits can be shared with a guest, so if you visit with one guest you’ll have two visits deducted from your balance.

Allowances are awarded by calendar year, which allows you to use eight visits in your first membership year. For example, if your card is approved in April 2025, you will be awarded:

  • On date of approval: 4x visits (expires 31 December 2025)
  • On 1 January 2026: 4x visits (expires 31 December 2026)

Allowances cannot be rolled over to the following year, so be sure to fully utilise your visits by the end of the calendar year. For the avoidance of doubt, using the second calendar year’s allotment does not preclude you from cancelling the card at the end of the first membership year, if that’s what you wish to do.

Here’s how to start enjoying the benefit:

  • Step 1: Download Mastercard Travel Pass app (Android | iOS)
  • Step 2: Select ‘Sign up’ to register for the programme, or log on to your account if you’re already a member
  • Step 3: Enter your HSBC TravelOne Card details for a one-time verification
  • Step 4: Complete your personal details for Mastercard Travel Pass account registration (enter your name as shown in your passport)
  • Step 5: Set your account password

Entertainer with HSBC

ENTERTAINER with HSBC

Principal HSBC TravelOne Cardholders receive a complimentary ENTERTAINER with HSBC app membership, which includes:

  • 1-for-1 dine-in offers at more than 150 merchants across Singapore, including Sushi Jiro @ PARKROYAL COLLECTION, Bangkok Jam, Paul Bakery and more
  • 1-for-1 takeaway offers at more than 50 merchants including Canadian 2 For 1 Pizza, Andersen’s of Denmark and more
  • Up to 50% off leisure, attraction and wellness offers at BOUNCE Singapore, Spa Infinity, Virtual Room and more
  • 1-for-1 stays in rooms at over 175 hotels around the world

You’ll need an activation key to start using your ENTERTAINER membership. This should have been emailed to you; if not you’ll need to call 1800 4722 669 to get it from customer service.

Complimentary travel insurance

Accidental Death S$75,000
Medical Expenses S$150,000
Emergency Medical Evacuation S$1M
Travel Inconvenience Trip Cancellation: S$1,500
Flight Delay: S$150
Baggage Delay: S$1,500
Lost Baggage: S$1,500
Policy Wording

HSBC TravelOne Cardholders receive complimentary travel insurance when they:

  • Use their TravelOne Card to purchase air tickets, or
  • Use their TravelOne Card to pay for the taxes and surcharges on a ticket redeemed with airline miles

This provides coverage of S$75,000 for accidental death, S$150,000 for overseas medical expenses, S$1 million for emergency medical evacuation, as well as coverage for travel inconveniences like flight delays and lost luggage.

Do note that there is no coverage for personal liability or rental vehicle excess, so you may need to purchase supplementary coverage if this is important to you.

Conclusion

Apply

The HSBC TravelOne Card has extended its welcome bonus of up to 33,600 miles, though the actual number of miles depends on:

  1. Whether you’re a new or existing cardholder
  2. What frequent flyer programme you choose

With regards to (1), it’s important to remember that HSBC applies a stricter definition of existing cardholders, and any approval or cancellation of another principal HSBC credit card in the past 12 months will disqualify you.

With regards to (2), HSBC raised the cost of KrisFlyer miles conversions in January 2025. Other banks in Singapore offer more favourable earn rates for KrisFlyer, so stick to them if that’s your goal. 

All that said, the HSBC TravelOne Card still offers a generous eight lounge visits to cardmembers in their first membership year, as well as a wide variety of transfer partners with instant, fee-free conversions. If you want to explore the sweet spots of EVA Air Infinity MileageLands or Flying Blue, for example, then this card would open some doors.

StanChart Beyond Card extends 100,000 miles welcome offer

2

In November 2024, Standard Chartered launched the StanChart Beyond Card, a new flagship product that will hopefully fare a lot better than the ill-fated X Card.

This premium card comes with unlimited airport lounge access, airport limo transfers, Business Class upgrades (though beware, it’s got more strings attached than Pinocchio) and World Elite Mastercard perks. It also offers the highest earn rates of any general spending card in Singapore, provided you’re a Priority Banking or Priority Private customer.

Since launch, Standard Chartered has been offering a welcome bonus of 100,000 miles for customers who spend at least S$20,000 within 90 days of approval. This offer was originally set to lapse on 30 June 2025, but has now been extended till 31 August 2025. 

I was hoping that the bank might lower the minimum spend requirement, since S$20,000 is a substantial sum indeed, or else team up with SingSaver to offer some additional gifts. Unfortunately, nothing has changed, and the offer is basically the same as at launch.

StanChart Beyond Card extends 100,000 miles welcome offer

The StanChart Beyond Card is offering a 100,000 miles welcome bonus to customers who submit their applications by 31 August 2025, broken down into:

  • 60,000 miles for paying the S$1,635 annual fee
  • 40,000 miles for spending S$20,000 within 90 days of approval (S$10,000 if you’re an employee of Standard Chartered Bank)

This offer is available to both new and existing StanChart credit card customers, and it’s not possible to waive the annual fee, so don’t even bother asking.

My personal valuation of a mile is about 1.5 cents each, so this welcome offer would be worth S$1,500.

This is nearly equivalent to the first-year annual fee, but the S$20,000 spending requirement is a major hurdle—the highest of any card in Singapore. For comparison, the next highest requirement comes from the AMEX Platinum Charge, which requires “only” S$8,000 in spending (and gives you six months to meet it!).

And if you’re really able to spend S$20,000, you might get a better return by signing up for other cards with a higher miles to spend ratio. This assumes you meet the eligibility criteria for each offer, of course.

When will the bonus miles be credited?

60,000 miles for paying the annual fee will be credited (in the form of 150,000 Rewards Points) within 60 working days of approval.

40,000 miles for meeting the minimum spend will be credited (in the form of 100,000 Rewards Points) within 60 working days after the 90-day spending period ends.

As with any StanChart welcome offer, be aware that you will not receive the bonus miles if your card is blocked- even if you did it voluntarily, as a security measure! 

PSA: Beware about locking your Standard Chartered credit cards!

What counts as qualifying spend?

Cardholders must spend at least S$20,000 within 90 days of approval. Both principal and supplementary cardholder spending counts towards this amount.

Qualifying spend excludes:

  • Charitable donations
  • Education expenses
  • Government transactions
  • Hospitals
  • Insurance premiums
  • Prepaid account top-ups (e.g. GrabPay and YouTrip)
  • Utilities

The full list of qualifying spend exclusions can be found here.

For the avoidance of doubt, CardUp, SC EasyBill and Income Tax Payment Facility transactions will count towards qualifying spend.

Terms & Conditions

The T&Cs of this offer can be found here.

What can you do with 360° Rewards Points?

Standard Chartered used to have 10 airline and hotel transfer partners, one of the widest ranges in Singapore.

Unfortunately, that all changed in March 2024, when nine of them were dumped. Cathay Pacific Asia Miles was added, but the overall lineup is a lot thinner than before. 

Frequent Flyer Programme
Conversion Ratio
(SC Points: Partner)
Tier 1 Tier 2
25,000 : 10,000 34,500 : 10,000
25,000 : 10,000 34,500 : 10,000

Do note that Standard Chartered divides its credit cards into two tiers:

  • Tier 1: StanChart Beyond, Journey, Visa Infinite, Priority Visa Infinite
  • Tier 2: All other cards

Tier 1 cards enjoy a preferential conversion ratio, as shown in the table above. Points pool within each tier, but cannot be combined across tiers (i.e. Tier 1 and Tier 2 points cannot be used in the same redemption).

Transfers cost S$27.25 each, regardless of the number of points transferred. 

Overview: StanChart Beyond Card

StanChart Beyond Card
Apply
Income Req. S$200,000 p.a. Points Validity No expiry
Annual Fee S$1,635
Min.
Transfer
10,000 miles
Miles with
Annual Fee
N/A Transfer
Partners
2
FCY Fee 3.5% Transfer Fee S$27.25
Local Earn 1.5-2 mpd Points Pool? Yes
FCY Earn 3-4 mpd
Lounge Access? Yes
Special Earn PP only: 8 mpd on FCY dining Airport Limo? Yes
Cardholder Terms and Conditions

The StanChart Beyond Card has a S$1,635 annual fee and a minimum income of S$200,000 p.a.. You may be able to get approved with a lower income if you are a Priority Banking (min AUM: S$200K) or Priority Private (min AUM: S$1.5M) customer. 

The earn rates and benefits depend on your status with the bank.

  Regular Priority Banking Priority Private
Local Earn 1.5 mpd 2 mpd 2 mpd
FCY Earn 3 mpd 3.5 mpd 4 mpd
FCY Dining 8 mpd
Birthday Meal Yes
Business Class Upgrades Yes
Airport Lounge ∞ + 6 guests
(Principal & Supp.)
Airport Limo 2x 10x
Accor Plus Yes
(Explorer Plus)
Tier World Elite Mastercard

For a detailed run down of each benefit, do refer to my review below. 

Review: Standard Chartered Beyond Card

I’ve also made an attempt to answer the all-important “is it worth it?” question, which you can read about in this separate post.

Conclusion

The StanChart Beyond Card has extended its 100,000 miles welcome offer till 31 August 2025. While this can help to offset a big chunk of the first year’s S$1,635 annual fee, it does require a hefty minimum spend of S$20,000.

If you don’t need the card just yet, it might be worth waiting to see whether Standard Chartered eventually lowers the minimum spend later this year, or onboards the card with SingSaver for some extra gifts. 

MileLion Weekly Deal Summary [28 Jun to 4 Jul 25]

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Welcome to The MileLion’s Weekly Deal Summary, a round up of all the latest deals and promotions for credit cards, airlines and hotels. Get these posts pushed to your phone by subscribing to our Telegram Channel.

Credit Card/Banking Deals

💳 [Extended] Get Dyson Airwrap Origin, Apple iPad (A16) 11″ Wi-Fi 128GB, or S$390 cash with a new HSBC Advance, HSBC Live+, or HSBC Revolution and min. spend of S$500 by end of month after approval [Expires 6 Jul 25]

💳 [Extended] AMEX Platinum Charge offering 95,000 bonus MR points and 4.7 mpd on FCY spend, or 150,000 bonus MR points and S$50 statement credits for new-to-AMEX and existing AMEX cardholders [Expires 30 Jul 25]

💳 [Extended] AMEX Platinum Credit Card offering S$250 statement credits (new-to-AMEX) or S$200 statement credits (existing) with a min. spend of S$1,000 within 60 days. Enjoy additional perks like a S$200 annual Lifestyle Credit and a Comoclub C4 membership [Expires 30 Jul 25]

💳 [Extended] AMEX KrisFlyer Ascend offering new-to-AMEX cardholders 37,600 bonus miles + S$50 with min. S$2,000 spend within 90 days [Expires 30 Jul 25]

💳 DBS yuu Cards offering S$300 cashback to new-to-bank customers who spend S$800 within first 60 days of approval [Expires 31 Jul 25]

💳 Get 16,000 miles with a new Citi Rewards Card and S$800 min. spend in the first 2 months. Must be new-to-bank [Expires 31 Jul 25]

💳 Amaze offering 6 InstaPoints per S$1 (2 mpd) on wallet-linked spend on dining, hotels and travel [Expires 31 Jul 25]

💳 Get 30,000 miles when you sign up for a Citi PremierMiles Card as a new-to-bank customer and spend S$800 in the first 2 months [Expires 31 Jul 25]

💳 [New] Get Apple AirPods 4, Stryv Airflex 2.0, S$200 Shopee voucher or S$160 cash with a new OCBC 90°N Visa Card, OCBC 90°N Mastercard, OCBC Rewards Card or OCBC 365 Card and one transaction of any amount [Expires 31 Jul 25]

💳 [Extended] Get S$360 cash with a new StanChart Simply Cash Card and a min. spend of S$800, for new-to-bank customers [Expires 31 Jul 25]

💳 [Extended] HSBC Premier Mastercard offering uncapped 1.8 mpd on selected SGD spend, and uncapped 2.8 mpd on all FCY spend [Expires 15 Aug 25]

💳 [New] HSBC Premier Mastercard offering 65,000 miles welcome bonus with min. spend of S$4,000, for both new and existing HSBC customers [Expires 15 Aug 25]

💳 [Extended] UOB Visa Infinite Metal Card offering up to 80,000 miles for new sign-ups with S$4,000 spent within 30 days of approval and payment of S$654 annual fee [Expires 31 Aug 25]

💳 [Extended] Get up to 33,600 bonus miles with a new HSBC TravelOne Card and a minimum spend of S$1,000 [Expires 31 Aug 25]

💳 [Extended] StanChart Beyond Card offering 100,000 miles welcome bonus with payment of annual fee and S$20,000 spend in the first 90 days of approval [Expires 31 Aug 25]

💳 Buy unlimited miles from 1.7-2.2 cents each with the UOB Payment Facility [Expires 31 Aug 25]

💳 DBS Vantage Card offering 60,000 bonus miles with min. spend of S$4,000 in 30 days, for new-to-bank customers [Expires 31 Aug 25]

💳 DBS Altitude Cards offering 28,000 bonus miles with min. spend of S$800 in 30 days, for new-to-bank customers [Expires 31 Aug 25]

💳 Citi PayAll offering 1.8 mpd on tax payments and 1.6 mpd on non-tax payments, with a minimum spend of S$6,000 on non-tax payments (waived for customer with a Citi banking relationship) [Expires 31 Aug 25]

💳 Pay your income taxes with CardUp and Visa cards with a 1.75% fee using the code MLTAX25R [Expires 31 Aug 25]

💳 Pay your income taxes with CardUp and Mastercard with a 1.55% (new) or 1.67% (existing) fee using the code MCTAX25N or MCTAX25. Limited redemptions [Expires 31 Aug 25]

💳 [Extended] Get 50,000 miles with a new StanChart Visa Infinite Card and a minimum spend of S$2,000 within 60 days of approval, for both new-to-bank and existing customers [Expires 30 Sep 25]

💳 [Extended] Get up to 30,000 bonus miles & Samsonite Straren Spinner 67/24, 7,000 Max Miles, S$250 Shopee vouchers or S$180 cash when you sign-up for a StanChart Journey Card and spend S$800 within 60 days of approval. For new-to-bank customers only [Expires 30 Sep 25]

💳 [New] HSBC Revolution restores bonuses for travel and contactless spending, raises monthly bonus cap to S$1,500 [Expires 31 Oct 25]

💳 [New] OCBC Rewards Card offering 6 mpd on Watsons, Shopee, Lazada, TikTok Shop and Taobao, capped at S$1,000 per month [Expires 31 Dec 25]

💳 [New] Citi Prestige Card offering 57,000 miles welcome bonus with min. spend of S$2,000 [Expires 31 Jan 26]

💳 CardUp offering 1.79% admin fee with promo code SAVERENT179 for all rental payments. Not valid for AMEX cards  [Expires 31 Jan 26]

💳 CardUp offering 2.25% admin fee with the promo code OFF225 for all payments. Not valid for AMEX cards [Expires 31 Jan 26]

💳 CardUp offering 1.55-2% admin fees for OCBC credit cards, buy miles from 0.95 cents each [Expires 31 Mar 26]

💳 UOB One Account offering 6% rebate on tax payments made through GIRO [Expires 31 Mar 26]

Airline Deals

✈️ Save 20% off Pelago activities (capped at S$15) with a valid Scoot PNR [Expires 31 Dec 25]

✈️ Save 10% off Pelago activities (capped at S$50) with a valid Singapore Airlines PNR [Expires 31 Dec 25]

✈️ [New] Kris+ offering extra 3 mpd at Esso, with 12% discount [Expires 30 Jun 26]

Hotel Deals

🏨 Hilton Points Plus: Get 1,000 bonus points on every stay [Expires 15 Aug 25]

🏨 Hilton for Business offering 5,000 bonus points per stay, capped at 15,000 bonus points [Expires 27 Aug 25]

🏨 IHG One Rewards Pick Your Points promo: Choose between 2,000 bonus points per 2 nights, or 8,000 bonus points per 4 nights [Expires 31 Aug 25]

🏨 GHA DISCOVERY offering 3X D$ at Pan Pacific and PARKROYAL hotels worldwide [Expires 31 Aug 25]

🏨 World of Hyatt offering 16,000 bonus points for Hyatt Place, Hyatt House and Hyatt Studio stays [Expires 7 Sep 25]

🏨 [Extended] Get an extra D$5 for booking stays via the GHA DISCOVERY app [Expires 30 Sep 25]

🏨 IHG One Rewards dining discount: Save 20% off F&B and earn bonus IHG points [Expires 30 Dec 25]

🏨 Hilton Dine Like a Member: Save 10-25% off F&B and earn 500 points per bill at participating restaurants [Expires 31 Dec 25]

🏨 GHA DISCOVERY Titanium status for all Visa Infinite cardholders [Expires 31 Dec 25]

🏨 World of Hyatt offering instant Explorer status for 90 days, with further upgrade to Globalist with 20 qualifying nights during this period. For employees of selected companies only [Expires 31 Dec 25]

🏨 Enjoy a 12-month upgrade to elite status with ONYX Rewards via Mastercard [Expires 31 Dec 25]

🏨 Mastercard offering fast track to Wyndham Rewards elite status [Expires 31 Dec 25]

🏨 Enjoy instant Brilliant by Langham elite status with Mastercard [Expires 28 Feb 26]

🏨 Enjoy a 12-month upgrade to elite status with MyMillennium via Mastercard [Expires 31 Oct 26]

🏨 Buy Hilton Honors points at 50% off, or 0.5 US cents each [No expiry]

🏨 Hilton status match: Get instant Hilton Gold for 90 days, with fast-track to Diamond. Status valid till 31 March 2026, existing status with competing chain required [No expiry] 

AMEX Cards offering S$3 back with every S$6 SimplyGo spend

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In March 2025, American Express announced that at long last, AMEX cards would be accepted for SimplyGo payments on bus and MRT rides, more than eight years after the initial pilot. 

But any hopes that people would whip out their AMEX Platinum Charge every time they reached the gantry were quickly dashed by the following day’s announcement: that SimplyGo transactions would be excluded from earning rewards, whether Membership Rewards, KrisFlyer miles, or cashback. 

As a small consolation, American Express has just launched a new AMEX Offer for public transit rides that kicks off today. Registered cardholders will receive S$3 back for every cumulative spend of S$6, up to five times per registered card. 

Even better— this promotion is also available to DBS and UOB AMEX cardholders, who can earn up to 1.4 mpd on SimplyGo rides, stackable with the cashback offer.

❓ What are AMEX Offers?

AMEX Offers are opportunities to earn bonus miles or Membership Rewards points, or discounts in the form of statement credits. These are available to Platinum, True Cashback, and KrisFlyer cardholders, and can be found in the “Offers” section of the AMEX app or web portal. 

Registration is required, and some offers may be targeted. These are usually not applicable to DBS or UOB AMEX cardholders, though they’re included on rare occasions.

AMEX Offer for SimplyGo rides

AMEX cardholders who register for this offer will receive a S$3 statement credit when they spend at least S$6 (in one or more transactions) on SimplyGo rides between 1-31 July 2025.  This offer can be enjoyed up to five times per registered card. 

Here’s the key details to be aware of:

  • Payments can be made with the physical card, or the digitised version on Apple Pay, Google Pay or Samsung Pay
  • You must tap in and out with the same card or mobile wallet
  • A maximum of 50,000 cards can be registered
  • If you have been targeted for the offer across multiple AMEX cards, you can register all of them and enjoy the offer as many times as you have cards

Statement credits should be posted to your statement within 15 business days of the transaction.

Transit fares will be accumulated daily to your AMEX card, and the accumulated amount will be posted after three days from date of transaction.

DBS and UOB cards are eligible too

Enrolment Link

Unlike most AMEX Offers, this promotion is also open to American Express cards issued by DBS and UOB. In this case, you’ll need to register via this link, instead of via the AMEX app.

Better yet, the restriction on earning rewards doesn’t apply to these cards, so you can stack the cashback with miles from the DBS Altitude AMEX, DBS Treasures Black Elite Card (no longer issued), or UOB PRVI Miles AMEX, as shown in the table below.

Card Earn Rate Min. Spend to Earn Points
UOB PRVI Miles AMEX 1.4 mpd S$5*
(see footnote)
DBS Altitude AMEX 1.3 mpd S$1.54
DBS Treasures Black Elite AMEX 1.2 mpd S$1.67
*For AMEX cards, UOB awards UNI$ based on the accumulated SimplyGo spend per calendar month

The UOB PRVI Miles AMEX offers the highest reward at 1.4 mpd, and don’t let the S$5 minimum spend deter you. Unlike regular transactions, UNI$ are calculated based on the accumulated spend on SimplyGo transactions per calendar month, and awarded to cardmembers on the 7th calendar day of the following month.

Therefore, unless you spend less than S$5 on SimplyGo rides in a month, you’ll still earn rewards on your spending.

With DBS AMEX cards, fares will be accumulated daily or when the accumulated fare reaches S$15, whichever is earlier. Make sure your day’s total fares exceed S$1.54 or S$1.67!

Conclusion

American Express cardholders can now register to earn S$3 back on every S$6 spent on SimplyGo rides, up to five times per registered card. 

While you won’t earn any rewards with AMEX cards issued by American Express, you can still earn miles with DBS or UOB-issued AMEX cards, so I’ll be using my UOB PRVI Miles AMEX religiously during the course of this promotion.