💳 The MileLion’s Credit Card Guide |
Contents Page |
What’s the MCC? Here’s an easy way to check the MCC of a merchant before spending |
[Last updated: 22 May 2023] All months refer to calendar month and all years refer to calendar year unless statement month or membership year is explicitly mentioned |
Local General Spending
Card | Earn Rate | Remarks |
Amaze + Citi Rewards | 4 mpd | Max S$1K per s. month, excludes airlines, hotels, car rental, cruises and other travel trxns |
AMEX HighFlyer Card | 1.8 mpd | Only for SME owners with an ACRA registration number |
Citi ULTIMA | 1.6 mpd | Â |
DBS Insignia | 1.6 mpd | Â |
UOB Reserve | 1.6 mpd | Â |
OCBC VOYAGE (Premier, PPC, BOS) | 1.6 mpd | Â |
DBS Vantage | 1.5 mpd | Â |
UOB Visa Infinite Metal Card | 1.4 mpd | Â |
UOB PRVI Miles (AMEX | Mastercard | Visa) | 1.4 mpd | Â |
SCB Visa Infinite | 1.4 mpd | Min S$2K total spend per s. month, otherwise 1 mpd |
Citi Prestige | 1.3 mpd | Up to 0.06/0.12 mpd relationship bonus |
OCBC VOYAGE | 1.3 mpd | Â |
OCBC Premier Visa Infinite | 1.28 mpd | Â |
HSBC Visa Infinite | 1.25 mpd | 1 mpd if first membership year or if previous membership year’s spending below S$50K |
HSBC TravelOne | 1.2 mpd | Â |
Maybank Visa Infinite | 1.2 mpd | Â |
OCBC 90°N Mastercard | 1.2 mpd |  |
SCB Journey | 1.2 mpd | Â |
DBS Altitude (AMEX | Visa) | 1.2 mpd | Â |
KrisFlyer UOB Credit Card | 1.2 mpd | Â |
Citi PremierMiles | 1.2 mpd | Â |
AMEX KrisFlyer Ascend | 1.2 mpd | Â |
AMEX KrisFlyer Credit Card | 1.1 mpd | Â |
OCBC 90°N Visa | 1 mpd |  |
BOC Elite Miles Card | 1 mpd | Â |
Foreign Currency Spending
Card | Earn Rate | Remarks |
Amaze + Citi Rewards | 4 mpd | Max S$1K per s. month, excludes airlines, hotels, car rental, cruises and other travel trxns |
UOB Visa Signature | 4 mpd | Min S$1K max S$2K foreign currency spend per statement month |
SCB Visa Infinite | 3 mpd | Min S$2K overall spend per statement month, otherwise 1 mpd |
SCB Rewards+ | 2.9 mpd | Max S$2.2K foreign currency spending per membership year |
HSBC TravelOne | 2.4 mpd | Â |
UOB PRVI Miles (AMEX | Mastercard | Visa) | 2.4 mpd | Â |
UOB Reserve | 2.4 mpd | Â |
DBS Treasures AMEX | 2.4 mpd | Â |
HSBC Visa Infinite | 2.25 mpd | 2 mpd if first membership year or if previous membership year’s spending below S$50K |
OCBC Premier Visa Infinite | 2.24 mpd | Â |
OCBC VOYAGE (Premier, PPC, BOS) | 2.3 mpd | Â |
DBS Vantage | 2.2 mpd | Â |
OCBC VOYAGE | 2.2 mpd | Â |
OCBC 90°N Mastercard | 2.1 mpd |  |
Citi ULTIMA | 2 mpd | Â |
DBS Insignia | 2 mpd | Â |
Maybank Visa Infinite | 2 mpd | Â |
SCB Journey | 2 mpd | Â |
UOB Visa Infinite Metal Card | 2 mpd | Â |
DBS Altitude (AMEX | Visa) | 2 mpd | Â |
Citi PremierMiles | 2 mpd | Â |
Citi Prestige | 2 mpd | Up to 0.06/0.12 mpd relationship bonus |
OCBC 90°N Visa | 2 mpd |  |
BOC Elite Miles Card | 2 mpd | Â |
Maybank Horizon Visa Signature | 2 mpd | Min. S$300 total card spending in a month |
Air Tickets
Card | Earn Rate | Remarks |
UOB PRVI Miles | 6 mpd | For selected airline bookings on Expedia and UOB Travel |
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Max S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Travel must be chosen as bonus category |
4 mpd (if FCY) | Min S$1K max S$2K foreign currency spend per statement month | |
DBS Woman’s World Card | 4 mpd | Max S$2K per month |
HSBC Revolution | 4 mpd | Max S$1K per month |
DBS Altitude (AMEX | Visa) | 3 mpd | Max S$5K per month |
KrisFlyer UOB Credit Card | 3 mpd | SIA & Scoot only |
AMEX KrisFlyer Ascend | 2 mpd | SIA only |
AMEX KrisFlyer Credit Card | 2 mpd | SIA only |
Maybank Horizon Visa Signature | 2 mpd | Min S$300 total card spending in a month |
CardUp
Charitable Donations
Card | Earn Rate | Remarks |
👉 Full article: What are the best cards for charitable donations? | ||
Maybank Horizon Visa Signature | 0.4 mpd 2 mpd (if FCY) | Min S$300 total card spending in a month |
1.2 mpd 2 mpd (if FCY) | Â | |
1.2 mpd 2 mpd (if FCY) | FCY bonus in Jun/Dec only | |
1.1 mpd 2 mpd (if FCY) | FCY bonus in Jun/Dec only | |
AMEX HighFlyer Card | 1.8 mpd | Only for SME owners with an ACRA registration number |
AMEX Platinum Cards | 0.78 mpd for Platinum Charge, 0.69 mpd for others | Â |
Dining
Card | Earn Rate | Remarks |
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Dining must be chosen as bonus category at the start of each quarter |
HSBC Revolution | 4 mpd | Limit S$1K per month. Must use contactless |
Maybank Horizon Visa Signature | 3.2 mpd | Min S$300 total card spending in a month. Local dining only |
KrisFlyer UOB Credit Card | 3 mpd | Min S$800 spend on SIA-related transactions in a membership year |
Education
Card | Earn Rate | Remarks |
👉 Full article: What’s the best card for education expenses? | ||
Maybank Horizon Visa Signature | 0.4 mpd 2 mpd (if FCY) | Min S$300 total card spending in a month |
1.2 mpd 2 mpd (if FCY) | Â | |
1.2 mpd 2 mpd (if FCY) | FCY bonus in Jun/Dec only | |
1.1 mpd 2 mpd (if FCY) | FCY bonus in Jun/Dec only |
Food Delivery
Card | Earn Rate | Remarks |
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Dining must be chosen as bonus category at the start of each quarter |
DBS Woman’s World Card | 4 mpd | Cap S$2K per month |
Citi Rewards | 4 mpd | Cap S$1K per statement month |
UOB Pref. Plat Visa | 4 mpd | Cap S$1.1K per month |
HSBC Revolution | 4 mpd | Limit S$1K per month |
KrisFlyer UOB Credit Card | 3 mpd | Min S$800 spend on SIA-related transactions in a membership year |
SCB Journey | 3 mpd | Limit S$1K per s. month, must be online in SGD. Ends 31 Dec 23 |
Grab/gojek/TADA/other ride hailing
Card | Earn Rate | Remarks |
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Transport must be chosen as bonus category at the start of each quarter |
4 mpd | Cap S$2K per month | |
Citi Rewards | 4 mpd | Cap S$1K per statement month |
HSBC Revolution | 4 mpd | Limit S$1K per month |
Maybank Horizon Visa Signature | 3.2 mpd | On Grab and taxis, min S$300 total card spending in a month |
AMEX KrisFlyer Ascend | 3.2 mpd | Capped at S$200/month, Grab only |
AMEX KrisFlyer Credit Card | 3.1 mpd | Capped at S$200/month, Grab only |
KrisFlyer UOB Credit Card | 3 mpd | Min S$800 spend on SIA-related transactions in a membership year |
SCB Journey | 3 mpd | Limit S$1K per s. month, must be online in SGD. Ends 31 Dec 23 |
Groceries/Supermarket
Card | Earn Rate | Remarks |
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Family must be chosen as your bonus category at the start of each quarter |
HSBC Revolution | 4 mpd | Limit S$1K per month, must be online or contactless payment |
SCB Journey | 3 mpd | Limit S$1K per s. month, must be online in SGD. Ends 31 Dec 23 |
Hospitals
Card | Earn Rate | Remarks |
👉 Full article: What are the best cards for hospitals? | ||
AMEX HighFlyer Card | 1.8 mpd | Excludes public hospitals, only for SME owners with an ACRA registration number |
UOB Reserve | 1.6 mpd | Â |
Citi ULTIMA | 1.6 mpd | Â |
UOB Visa Infinite Metal Card | 1.4 mpd | Â |
SCB Visa Infinite | 1.4 mpd | Min S$2K overall spend per statement month, otherwise 1 mpd |
Citi Prestige | 1.3 mpd | Â |
AMEX Solitaire PPS Credit Card | 1.3 mpd | Excludes public hospitals |
AMEX PPS Credit Card | 1.3 mpd | Excludes public hospitals |
HSBC Visa Infinite | 1.25 mpd | 1 mpd if first membership year or if previous membership year’s spending below S$50K |
SCB Journey | 1.2 mpd | Â |
Citi PremierMiles | 1.2 mpd | Â |
Maybank Visa Infinite | 1.2 mpd | Â |
AMEX KrisFlyer Ascend | 1.2 mpd | Excludes public hospitals |
AMEX KrisFlyer Credit Card | 1.1 mpd | Excludes public hospitals |
AMEX Centurion | 0.98 mpd | Excludes public hospitals |
AMEX Platinum Charge | 0.78 mpd | Excludes public hospitals |
AMEX Platinum Reserve | 0.69 mpd | Excludes public hospitals |
AMEX Platinum Credit Card | 0.69 mpd | Excludes public hospitals |
AMEX Rewards Card | 0.63 mpd | Excludes public hospitals |
Hotels
Card | Earn Rate | Remarks |
10 mpd on Kaligo, 7 mpd on Agoda | Â | |
10 mpd on Kaligo, 8 mpd on Expedia, 3 mpd for other hotels | Limit S$5K per month. Reservation must be fully prepaid online | |
UOB PRVI Miles | 8 mpd on Expedia, 6 mpd on Agoda & UOB Travel | Reservation must be fully prepaid online |
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Cap S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Travel must be chosen as bonus category at the start of each quarter |
4 mpd | Limit S$2K per month. Reservation must be fully prepaid online. | |
HSBC Revolution | 4 mpd | Limit S$1K per month. Must be online or use contactless payment |
3.2 mpd | For bookings made at Agoda.com/horizon. Min S$300 total card spending in a month | |
3 mpd | Agoda, AirBnB, Booking.com, Expedia, Hotels.com, Kaligo, Traveloka, Trip.com, UOB Travel (with min S$800 spend on SIA-related transactions in a year) |
Insurance Premiums
Card | Earn Rate | Remarks |
👉 Full article: What’s the best card for insurance premiums? | ||
1.2 mpd | Â | |
1.2 mpd | Chubb only | |
1.1 mpd | Chubb only |
Online Transactions
Card | Earn Rate | Remarks |
DBS Woman’s World Card | 4 mpd | Cap S$2K per month |
Citi Rewards | 4 mpd | Cap S$1K per statement month |
OCBC Titanium Rewards | 4 mpd | For online shopping, limit S$13,335 per membership year |
UOB Preferred Platinum Visa | 4 mpd | For on online shopping and entertainment, limit S$1.1K per month |
HSBC Revolution | 4 mpd | For online shopping and travel, limit S$1K per month |
KrisFlyer UOB Credit Card | 3 mpd | For online shopping and travel, with min S$800 spend on SIA Group in a membership year |
Paywave/ Mobile Payments
Card | Earn Rate | Remarks |
UOB Preferred Platinum Visa | 4 mpd | Except at places which award UOB$. Limit S$1.1K per month. Must use mobile payments; no points for paying with physical card |
4 mpd | Except at places which award UOB$. Min S$1K, Max S$2K per statement month |
Petrol
Card | Earn Rate | Remarks |
👉 Full article: What’s the best card for petrol? | ||
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Excludes SPC. Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Transport must be chosen as your bonus category at the start of each quarter |
4 mpd | Excludes SPC. Min. S$1K max S$2K combined spending on petrol and PayWave per statement month | |
Maybank World Mastercard | 4 mpd | 4 mpd |
3.2 mpd | Min S$300 total card spending in a month |
Public Transportation (SimplyGo)
Card | Earn Rate | Remarks |
👉 Full article: What’s the best card for public transportation? | ||
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Transport must be chosen as your bonus category at the start of each quarter |
SCB Smart Card | 5.6 mpd | Capped at S$818 per statement month |
3.2 mpd | Min S$300 total card spending in a month | |
KrisFlyer UOB Credit Card | 3 mpd | Min S$800 spend on SIA Group in a membership year |
Shopping (offline)
Card | Earn Rate | Remarks |
AMEX Platinum Charge | 7.8 mpd | On the first S$16K spent per year at 10XCELERATOR merchants, 3.9 mpd afterwards |
UOB Lady’s Card & UOB Lady’s Solitaire | 6 mpd | Capped at S$1K per month for Lady’s Card and S$3K per month for Lady’s Solitaire. Fashion must be chosen as your bonus category at the start of each quarter |
HSBC Revolution | 4 mpd | Limit S$1K per month. Must use contactless. |
Citi Rewards | 4 mpd | Limit S$1K per statement month |
OCBC Titanium Rewards | 4 mpd | Limit S$13,335 per membership year |
AMEX Platinum Reserve | 3.47 mpd | For 10XCELERATOR merchants |
AMEX Platinum Credit Card | 3.47 mpd | For 10XCELERATOR merchants |
DBS Treasures AMEX | 3.2 mpd | Min S$300 single receipt spend at participating Club 21 boutiques |
Telco Bills (Singtel, Starhub, M1 etc)
Utilities
Card | Earn Rate | Remarks |
👉 Full article: What’s the best card for electricity bills & utilities? | ||
Maybank Manchester United Card | 2.0 mpd + 3% cashback (on days where Man Utd win) 0.4 mpd + 1% cashback (otherwise) | Â |
UOB Reserve | 1.6 mpd | Â |
SCB Visa Infinite | 1.4 mpd | Min S$2K overall spend per statement month, otherwise 1 mpd |
SCB X Card | 1.2 mpd | Â |
Maybank Visa Infinite | 1.2 mpd | Â |