Best Contactless Spending Miles/Cashback Credit Cards in Singapore (April 2024)

Last updated on 31 January 2024

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What are the Best Cards in Singapore for Contactless Spending?

Cards that offer good rewards for contactless payments are very useful for general spending, as most merchants that accept credit cards tend to also accept contactless payments!

❓Definition of Contactless Spending:

In-person transaction made by tapping or waving a payment card (e.g. PayWave) or mobile device (equipped with Apple Pay, Google Pay etc.) on a vendor’s point of sale (POS) machine.

Additional notes:

Amaze + Citi Rewards: Non-travel spending only. Link your Citi Rewards card to Amaze and use your Amaze card to pay
UOB Preferred Platinum: Mobile contactless (G Pay, Apple Pay etc.) only

How are these cards chosen and ranked?

These cards are picked and ranked based on how they compare against other cards, based on these key factors:

1) Earn rates (miles/cashback)
2) Ease of use (spending/income requirements)
3) Miles/Points flexibility (total transfer partners)
4) Miles/Points expiry term
5) Annual fee
6) Other additional benefits

💡Click on the + Card Summary buttons below to instantly view the key details of each card!

Amaze

Turn offline transactions online and minimize foreign transaction fees

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Amaze Mastercard

Suitesmile rating:

✍️ Short summary
Amaze is an innovative Debit Card that does not require topping up of an e-wallet to reap great benefits. In fact, this card actually makes some credit cards better!

By linking a credit card to Amaze, cardholders can save about 1.5% in foreign currency fees, after considering the InstaPoints that can be earned (see below).

Key points to note about the card:

Link up to 5 Mastercards in the Instarem mobile app
Choose 1 of those cards before your next Amaze transaction
All Amaze transactions will be charged in SGD, directly to the linked card
All Amaze transactions will be seen as online transactions by the linked card
All Amaze transactions will retain the actual Merchant Category Code (MCC) and will be seen by the linked card
Get 0.5 InstaPoint per SGD (equivalent to 0.5% cashback) on foreign currency spending (min. S$10, max. S$1,000 per transaction)
DBS/POSB cards do not award miles/points for Amaze transactions
Avoid Dynamic Currency Conversion (DCC) fees (if any)
From 1 Apr 2024, when Amaze is linked to a card, all SGD spending in excess of S$1,000 per month will incur a 1% fee.

Pro tip: Link the Citi Rewards card to this card and use it to earn 4 miles per dollar on general spending categories like dining, groceries and online/offline shopping (except flights/hotels). This pairing turns all your offline transactions “online” (to earn 4 mpd) and lowers your foreign currency charges!

🔗 Great cards that can be linked to Amaze
Citi PremierMiles (1.2 mpd)
HSBC TravelOne (1.2 mpd)
Citi Prestige (1.3 mpd)
Citi Rewards (4 mpd)
OCBC Titanium Rewards (4 mpd)
UOB Lady’s (6 mpd)

💸 Annual fee
No annual fee, ever

💼 Income requirement
No income requirement

🤑 Foreign currency fee
No foreign currency fee. However, Amaze’s foreign exchange spread currently stands at around 2% more than spot rates. Cardholders can get 0.5% cashback in the form of InstaPoints when transacting in a foreign currency, for a total FX loss of about 1.5%. This makes the card better than most credit cards that charge over 3% in FX fees.

⏰ Points expiry
1 year from transaction

💯 Conversion ratio
2,000 InstaPoints = $20

❓ How/When points are credited
Get 0.5 InstaPoint per S$1 of foreign currency spending (min. S$10, max S$1,000 per transaction). InstaPoints are credited immediately upon spending.

📜 Terms & conditions

Citi Rewards

Earn 4 mpd on online spending, except travel-related

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🎁 Sign-up bonus

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Citi Rewards Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.

Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.

Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).

Pro tip: Link this card to Amaze and use the Amaze card to also earn 4 mpd on general spending categories like online/offline shopping, dining and groceries! This pairing turns all your offline transaction “online” (to earn 4 mpd) and lowers your foreign currency charges!

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

⏰ Points expiry
Every 5 years from card opening date

🫱‍🫲 Transfer partners
Krisflyer, Asia Miles, Miles&Smiles, Privilege Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
$27 per transfer

🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

HSBC Revolution

Earn 4 mpd or 2.5% cashback on selected online/contactless spending

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🎁 Sign-up bonus

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HSBC Revolution Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on online and contactless spending (in foreign currency too!) on certain spending categories like retail shopping, flight tickets, ride-hailing and dining (excl. fast food), up to $1,000 per calendar month.

Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.

This is a great fuss-free card that offers a great earn rate on key spending categories for most people, without any annual fee to worry about.

There’s a little quirk though. To transfer HSBC points to Frequent Flyer Programs, cardholders need to enroll in HSBC’s Mileage Programme, which costs $43.20 annually. Upon enrollment, cardholders can make unlimited points transfers, at no additional cost. (FYI: Most other cards charge about $25 fee per transfer)

Not into Miles or travel-hacking? Redeem your points for 2.5% cashback instead, on the aforementioned spending categories!

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

💸 Annual fee
No annual fee, ever

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
3 years from transaction
(37 to 38 months to be exact)

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲Transfer fee
$43.20 annually
(Unlimited transfers)

🤗 Points pooling
Points from this card cannot be combined with those from other HSBC cards and can only be transferred out separately.

❓How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for eligible online/contactless spending (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited by the end of the following calendar month.

📜 Terms & conditions

UOB Preferred Platinum

Earn 4 mpd on most online and mobile contactless spending

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UOB Preferred Platinum Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on online and mobile contactless spending (in foreign currency too!) on key spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing, up to $1,110 per statement month.

Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,110 per statement month. On top of that, cardholders will not earn any miles/points on SimplyGo transactions (i.e. bus or MRT), even when paid through mobile contactless.

“Mobile contactless” refers to Google Pay, Apply Pay, Samsung Pay and Fitbit Pay. Cardholders will not earn 4 mpd by using the physical card.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
$25 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓How/When points are credited
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

UOB EVOL

Get up to 6.67% cashback on online and contactless spending

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🎁 Sign-up bonus

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UOB EVOL Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you up to 6.67% cashback on online & contactless spending, if you spend at least $600 on the card in a statement month.

Contactless spending covers a huge range of categories like Dining, Groceries, Hair Salon and other retail shopping.

Although the bank advertises “8% cashback”, the cashback amount is capped at $20 per category ($250 worth of spending each, for online, contactless and others). However, “other” spending only earns 0.3% cashback and it is not recommended to use this card for it.

By spending $300 per category (online & contactless) to meet the minimum spend of $600, your cashback earn rate would effectively be 6.67%, if you spend exactly $300 per category.

Pro tip: Can’t meet the $600 monthly spending requirement? You can purchase supermarket vouchers in-store (with contactless payment) to make up the difference. These voucher purchases would be eligible for 6.67% cashback and can be used for grocery shopping in future.

💸 Annual fee
$196.20
(First year waived. Subsequent years waived if you make at least 3 transactions of any amount every month.)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓When cashback is credited
Cashback amount is credited into the card at the end of the following statement month.

📜 Terms & conditions

UOB Visa Signature

Earn 4 mpd on foreign currency and/or contactless spending

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🎁 Sign-up bonus

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UOB Visa Signature Card

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on foreign currency (online or offline) and/or contactless spending. This covers most spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing.

A minimum spending of $1,000 per statement month is required, with a $2,000 cap during the same period.

Take note that cardholders will only earn 0.4 mpd on other categories and spending below $1,000 and above $2,000 per statement month.

💸 Annual fee
$218
(First year waived)

💼 Income requirement
$50,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
$25 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

📜 Terms & conditions